# HOMETOWN COMMUNITY BANK
CYRUS, MN · FDIC certificate 10197 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $105.7M | |
| Deposits | $90.8M | |
| Loans and leases | $91.0M | |
| Total equity | $9.5M | |
| Loans / deposits | 99.15% (p91 of band) | 73.59% |
| Liquid assets / assets | 12.35% (p7 of band) | |
| Uninsured deposits / deposits | 11.49% (p19 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.45% (p71 of band) | |
| FHLB advances / assets | 4.45% | |
| Tier 1 leverage | 9.09% (p12 of band) | 11.76% |
| Unrealized securities loss / equity | -4.15% (p60 of band) | -6.57% |
| AOCI / equity | -1.03% (p27 of band) | |
| ROA (annualized) | 1.84% (p81 of band) | 1.17% |
| Net interest margin | 3.80% (p43 of band) | 3.93% |
| Efficiency ratio | 47.45% (p10 of band) | |
| Noncurrent loans | 1.78% (p83 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 61.05% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 44.89% (p76 of band) | |
| Auto loans | $1.0M (1.11% of loans; DQ 0.79%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.9% | |
| Employees | 14 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | leverage <7% |  |
| 2011-06 | 1 | reserve under noncurrent | leverage <7% |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | capital falling, reserve under noncurrent |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 3 | losing money, expense ratio p90 |  |
| 2012-12 | 2 |  | losing money |
| 2013-03 | 1 | charge-offs p90 | reserve under noncurrent, expense ratio p90 |
| 2013-06 | 1 | capital falling | charge-offs p90 |
| 2013-09 | 1 | uninsured deposits leaving | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 3 | deposits shrinking, assets shrinking |  |
| 2014-06 | 1 |  | deposits shrinking, assets shrinking |
| 2014-09 | 0 |  | uninsured deposits leaving |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | uninsured deposits leaving |  |
| 2015-06 | 0 |  | uninsured deposits leaving |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | uninsured deposits leaving |  |
| 2017-06 | 2 | loans exceed deposits |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 | capital falling | loans exceed deposits |
| 2018-03 | 0 |  | uninsured deposits leaving, capital falling |
| 2018-06 | 1 | reserve under noncurrent |  |
| 2018-09 | 0 |  | reserve under noncurrent |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2020-03 | 1 | capital falling | reserve under noncurrent, uninsured deposits leaving |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 1 | reserve under noncurrent |  |
| 2021-03 | 2 | capital falling |  |
| 2021-06 | 1 |  | capital falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 | construction >100% equity | reserve under noncurrent |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | construction >100% equity |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | reserve under noncurrent |  |
| 2023-09 | 0 |  | reserve under noncurrent |
| 2023-12 | 1 | capital falling |  |
| 2024-03 | 1 | reserve under noncurrent | capital falling |
| 2024-06 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2024-09 | 1 | capital falling | uninsured deposits leaving |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | reserve under noncurrent, uninsured deposits leaving | capital falling |
| 2025-06 | 1 |  | uninsured deposits leaving |
| 2025-09 | 2 | capital falling |  |
| 2025-12 | 1 |  | capital falling |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2020-09-16 [Hometown Community Banks acquiring Associated Bank area branches; some to close - Peoria Journal Star](https://news.google.com/rss/articles/CBMizgFBVV95cUxPVW9Nb3ZDeWdnLUt2NHZsVFJGbWl2bm9IVWN3NTc3Y0xJbGp3OVFlTWZrWkJOT1U4aFhERC1NOTRubjQ5YWN0SXctNVFNamJaZDRHWF9RNUxGWUJXWXhJU0dpSnNWbTc5M19obGQ5QjA3YW5yeUR5bDNSZTZWLUFvTWRVcDc3T0pjYmczZTB4WnlyaE9FOENhYmpmNG1jRGlTWXpfaGdiaHFINkZyV09FN01nanFseFN1V1pyQVhZU19lTTRwazk3Ml9hSlZVZw?oc=5) · Peoria Journal Star
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2024-04-13 [Alexandria Lakes Area Chamber of Commerce Membership Team welcomes 2 new members - Alexandria Echo Press](https://news.google.com/rss/articles/CBMitgFBVV95cUxQVmROZ1BQTWp0amZyQk5KVWZZcHJab3pMekFxbTgxT20xSlB0S3dYRmM4ZC02QXlWeDBhRUd0TXlSQTg2VVo5VmtJV1NJdVo3elJESlFlTURoaVFnaDJPbjEwcFZrUk0xSnZ4MFF0OGNpTVRJbnRqc2ZZME9td0RHb2hiWWM5djA1eFF1djNQNXotc0I1dTNmUDJYVHNRTnQ2Qk9fS0dCQzJWeHBBQzhKcTc0a0dYdw?oc=5) · Alexandria Echo Press
- 2022-03-10 [2022 40 Under 40: CEO Andy Schornack grows Flagship, Security banks - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPak5mSlFvZ1R3R21lWTFUVm1qeUZ4M0ZJVmdvUzdfaHdJa2E1VENENDZSa0FkTmk2UDltLTRyNXFtUVpOeXNUVWJQaHg4RkpEMFpTSnk1WXhMcEl4THF4eXc3NXNWRlF3ZEh6OFplb3pJdUdXMmZlRGp6RC02TkNtSjVnR21wQllqS25xYmJveWZ3a2p6dlFqQTJITXBwTkpzQkw0LWFLVjI?oc=5) · The Business Journals
- 2021-12-27 [Darrel H. Benson Obituary Dec 27, 2021 - Anderson TeBeest Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE8yUy1XSFVBU1BJQUwzbmdEbUtfTlVfWGpZVHp2eDRZNm5MS0RZZGRMWW1uWmlYcEVxSXpPbTBhQ3pidlVMMEloSm93Z0ZQN1hNSVI5eFVvM2ZzUFhQLVp4TjRMek0xazA?oc=5) · Anderson TeBeest Funeral Home
- 2020-04-27 [Wolters Kluwer Recommences Processing US PPP Loan Applications Through Financial Technology Solution - FF News](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQOExBTV9GbWZzNHhFUUhYYUN3VWFWbTZNaWQ5N3hxSXkydGVaY2JfM1IwVzlaMVlPVlZBa0pHSUVsaFpIZ2ZSYlBTWUdKNmg3RWczWDE2QTFoSVRwX0JPT3hrdm0zRDJKWEhqeUh3NlF2OGZZOEVLbDI4TFdZVjRUdzZINkNDZXNJcTJvdXAtTmRqbTYzMXJldUMwNjZfN1hQR3VsbFBDd0RNajhkSzZGMkdSdGNEbmxHUlZTdVM5MGQxdw?oc=5) · FF News
- 2022-07-20 [Miltona Lions give $11,500 to Forada Tornado Relief Fund - Alexandria Echo Press](https://news.google.com/rss/articles/CBMijwFBVV95cUxOMFdfWWVPYnBfa3F1WFVCQ2o1NUhqLWZQLXk0WGhIa0ZnMDJBblRnYU92WXZRNFQtTWJfRk5oTWE5TG1fOHBjQVg5MllDYkpkVjBJSXhNSFVqZDJTdk9TYlVod0pHUVYwNnFMUkJubTd5LUkwQ1c5RFpoWXhIZFJYaFhLVTlvSVFkaFp1YVJlNA?oc=5) · Alexandria Echo Press
- 2023-09-07 [Q&A: Gaylon Lawrence weighs in on state of finance industry, Nashville's growth - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNNXlaRFZ5ZmdhTmxRdFNCREp0aVBFWnIxM2RHaUxzV3ZjaTkwa2JIOTljWGhBOUVwaE53Qmlhelh1RjhacWRtSWlRb0VZQkdyM196eW93QklwSVRER0I3VzFpNzduVkltQnpGNllQUTV2ZG52QWtmQUtremtLVXNtUnNZZFRCWTNYTEoxT2xXcmhiT0d1anlEVmxWTHZlbE1jOGxBR2cxemt4cGs?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10197 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/21.json (key "10197", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide