Homeland Community Bank: how it compares with its peers
Against 46 TN banks with half to twice its assets, Homeland Community Bank's strongest measure in Q2 2026 is assets per employee ($6.6M vs. a $6.0M peer median). Its weakest relative measure is net interest margin (3.48% vs. 4.06%).
| Measure | Homeland Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.91% | 1.01% | Middle third Ahead of 46% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.48% | 4.06% | Bottom third Ahead of 24% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 66.67% | 65.64% | Middle third Ahead of 48% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.6M | $6.0M | Middle third Ahead of 63% of peers |
| Loans to deposits Net loans and leases over total deposits. | 59.83% | 82.44% | Context |
What it means for lending operations
Its efficiency ratio of 66.67% is above the 65.64% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Union Bank Jamestown, TN · $247M
- Bank of Perry County Lobelville, TN · $253M
- Mountain Valley Bank Dunlap, TN · $255M
- Farmers State Bank Mountain City, TN · $233M
- Peoples Bank of the South La Follette, TN · $232M
- Bank of Lincoln County Fayetteville, TN · $230M
Questions about Homeland Community Bank
How big is Homeland Community Bank?
Homeland Community Bank, established in 2003, is headquartered in Mcminnville, TN. It reported $244M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Homeland Community Bank's return on assets?
0.91% annualized in Q2 2026, against a 1.01% median for 46 TN banks with half to twice its assets, ahead of 46% of them.
What is Homeland Community Bank's efficiency ratio?
66.67% in Q2 2026: it spent about 67 cents in noninterest expense for each dollar of revenue. The peer median is 65.64%, and lower is better.
Is Homeland Community Bank growing its loans?
Net loans grew 1.6% over the year to Q2 2026, while deposits shrank 2.2%.
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 TN 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 Tennessee bank ranked.