Hometown Community Bank: how it compares with its peers
Against 90 MN banks with half to twice its assets, Hometown Community Bank's strongest measure in Q2 2026 is efficiency ratio (47.45% vs. a 61.66% peer median). Its weakest relative measure is net interest margin (3.80% vs. 4.12%).
| Measure | Hometown Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.84% | 1.21% | Top third Ahead of 83% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.80% | 4.12% | Bottom third Ahead of 33% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 47.45% | 61.66% | Top third Ahead of 94% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.6M | $7.0M | Middle third Ahead of 60% of peers |
| Loans to deposits Net loans and leases over total deposits. | 99.15% | 79.48% | Context |
What it means for lending operations
Its efficiency ratio of 47.45% is better than the 61.66% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First State Bank Minnesota Le Roy, MN · $106M
- Prairie Sun Bank Milan, MN · $107M
- Produce State Bank Hollandale, MN · $107M
- Community Bank Owatonna Owatonna, MN · $103M
- Northern State Bank of Virginia Virginia, MN · $102M
- Red River State Bank Halstad, MN · $110M
Questions about Hometown Community Bank
How big is Hometown Community Bank?
Hometown Community Bank, established in 1901, is headquartered in Cyrus, MN. It reported $106M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Hometown Community Bank's return on assets?
1.84% annualized in Q2 2026, against a 1.21% median for 90 MN banks with half to twice its assets, ahead of 83% of them.
What is Hometown Community Bank's efficiency ratio?
47.45% in Q2 2026: it spent about 47 cents in noninterest expense for each dollar of revenue. The peer median is 61.66%, and lower is better.
Is Hometown Community Bank growing its loans?
Net loans grew 8.7% over the year to Q2 2026, while deposits grew 5.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Minnesota bank ranked.