Banks · Minnesota

Hometown Community Bank

Cyrus, MN · FDIC Certificate #10197 · Chartered 10/0

Total assets

$105.72M

Total deposits

$90.80M

Total equity

$9.49M

Net loans

$90.03M

Branches (offices)

Net income (YTD)

$961.00K

Rank: #3,638 of 4,213 U.S. banks by assets · #167 of 221 in Minnesota. Assets changed 7.7% and deposits 5.9% over the year to June 30, 2026.

Key ratios

Return on assets (YTD, annualized by FDIC)	1.84%
Return on equity	20.77%
Net interest margin (YTD)	3.80%
Equity to assets	8.98%
Tier 1 leverage ratio	9.09%
Uninsured deposits (share of deposits)	11.5%
Noncurrent loans (share of loans)	1.78%
Net charge-offs (share of loans)	0.00%
Loans to deposits	99.1%
Real estate loans (share of loans)	74.3%

Loan mix

Category	Amount	Share
Real estate loans	$66.92M	74.3%
Commercial & industrial	$8.99M	10.0%
Consumer / individual	$1.97M	2.2%
Construction & development	$4.26M	4.7%
Agricultural	$8.76M	9.7%

Five-year trend (June snapshots)

Period	Total assets	Deposits	Net income (year to date)	Equity / net worth
Jun 2022	$80.32M	$73.41M	$407.00K	$6.87M
Jun 2023	$79.26M	$71.15M	$533.00K	$7.26M
Jun 2024	$88.04M	$77.31M	$341.00K	$7.69M
Jun 2025	$98.20M	$85.76M	$533.00K	$8.40M
Jun 2026	$105.72M	$90.80M	$961.00K	$9.49M

Where its branch deposits sit (FDIC Summary of Deposits)

State	Branch deposits	Offices
Minnesota	$51.56M	2
North Dakota	$39.24M	2

Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $90.80M.

Similar-sized banks

First State Bank Minnesota ($105.93M) · First National Bank Of Kansas ($105.59M)

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.