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Hometown Bank
Carver, MN · FDIC Certificate #31028 · Chartered 01/0
Total assets
$691.87M
Total deposits
$617.51M
Total equity
$53.78M
Net loans
$509.12M
Branches (offices)
11
Net income (YTD)
$2.87M
Rank: #1,378 of 4,213 U.S. banks by assets · #33 of 221 in Minnesota. Assets changed 10.2% and deposits 9.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.85% |
| Return on equity | 11.05% |
| Net interest margin (YTD) | 4.25% |
| Equity to assets | 7.77% |
| Tier 1 leverage ratio | 8.27% |
| Uninsured deposits (share of deposits) | 16.3% |
| Noncurrent loans (share of loans) | 0.37% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 82.4% |
| Real estate loans (share of loans) | 67.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $341.99M | 67.2% | |
| Commercial & industrial | $124.92M | 24.5% | |
| Consumer / individual | $12.01M | 2.4% | |
| Construction & development | $62.08M | 12.2% | |
| Agricultural | $36.49M | 7.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $518.58M | $474.24M | $1.34M | $31.51M |
| Jun 2023 | $561.87M | $509.43M | $1.27M | $33.38M |
| Jun 2024 | $590.57M | $525.98M | $2.11M | $38.33M |
| Jun 2025 | $627.98M | $564.01M | $2.56M | $45.93M |
| Jun 2026 | $691.87M | $617.51M | $2.87M | $53.78M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $617.51M | 11 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $617.51M.
Similar-sized banks
Baker-Boyer National Bank ($692.86M) · Citizens National Bank ($691.81M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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