# HOMETOWN BANK
CARVER, MN · FDIC certificate 31028 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $691.9M | |
| Deposits | $617.5M | |
| Loans and leases | $515.6M | |
| Total equity | $53.8M | |
| Loans / deposits | 82.45% (p51 of band) | 82.04% |
| Liquid assets / assets | 19.86% (p31 of band) | |
| Uninsured deposits / deposits | 16.31% (p16 of band) | 25.97% |
| Brokered deposits | 2.36% | |
| Wholesale funding | 4.59% (p56 of band) | |
| FHLB advances / assets | 1.72% | |
| Tier 1 leverage | 8.27% (p3 of band) | 10.81% |
| Unrealized securities loss / equity | -18.57% (p25 of band) | -8.10% |
| AOCI / equity | 0.53% (p92 of band) | |
| ROA (annualized) | 0.85% (p24 of band) | 1.28% |
| Net interest margin | 4.25% (p70 of band) | 3.91% |
| Efficiency ratio | 70.18% (p74 of band) | |
| Noncurrent loans | 0.37% (p46 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p21 of band) | |
| Reserve coverage of noncurrent | 338.93% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 115.42% (p91 of band) | |
| Auto loans | $8.0M (1.54% of loans; DQ 0.59%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 9.5% | |
| Employees | 142 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 | uninsured deposits leaving | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 | capital falling | uninsured deposits leaving |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 2 | brokered >10%, capital falling |  |
| 2017-12 | 1 |  | capital falling |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | brokered >10% |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 3 | capital falling |  |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 2 | uninsured deposits leaving |  |
| 2023-09 | 4 | capital falling, construction >100% equity |  |
| 2023-12 | 2 |  | capital falling, construction >100% equity |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 | construction >100% equity | uninsured deposits leaving |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | securities losses >30% of equity |
| 2025-09 | 2 | capital falling |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 1 |  | capital falling |

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

- 2026-09-09 [A Community Effort That Helped Students Start the School Year Ready to Learn - southernminn.com](https://news.google.com/rss/articles/CBMiigJBVV95cUxNWXRuQmpOWjBKNmRVUC10ZWxtNXF3TVVJY0JkQWc3UE9ZQ0pfbG5MY1luYllmY0Z6em4taDZTM2Jya0pZaHR2UU96elpES05yYWZ1QWNmc19QT2M4Skg4OU82alhUMzdHLVd4QnU1ZHBXc01XaGRRWXBEem1aMy1YdDZlTFQtaUVsOHJkYm5sX0h1WXI2Ym9mdDU0RWhXajVrZGlwZ2I3V2N3cmdyX2dsVDFva2lPQTZVLUUxOGt5X043NXVMZDhXa0s1Ymdva1lub3JqM3FRM3N1Q1F0RklOeE41OFl2RW5lVFRCb2NxdEVidDZLUFJRUkdlUmJqRXRYQzVXRFhuZTVJdw?oc=5) · southernminn.com
- 2026-04-01 [Spotlight On: Allan Rasmussen, President & CEO, HomeTown Bank, N.A. - Capital Analytics Associates](https://news.google.com/rss/articles/CBMiogFBVV95cUxNdE9qN1ZYLWdBTkZKSlJXaFJtZFJsYUdCSEJHeHU3b1g2LVNVUFV6b0owQkxwb1VlbVNGTW1BTnFKTWNhNDhWRmVuUWVQd0RxUkdHdDg5cTk5M0tleFR6SzA2MHJpcFVPRHpvRktzUEU0aXhpak1DZlh4cjhDRXQzYVFrUjZxdnlsTEhIRUMwaTdXYlVjVEJaU2pBbkNHSlMzMEE?oc=5) · Capital Analytics Associates
- 2026-01-27 [Obituary information for Gladys "Lubby" Herdina - dirksblem.com](https://news.google.com/rss/articles/CBMie0FVX3lxTE82TFY1MThlSWZMMllFT050NjJJRS1ibVM4emxERm80aXZxTktoc1c0Z214Qm5nekljN0JkZ1ZvT19rQkV0TE9tWHZqSEYxbF8tU0ZJVE9WWXYzbzJYMV9HenR5SzI1ZGZOZVQwVS1LQXA1enc1SjMxWjY2VQ?oc=5) · dirksblem.com
- 2025-11-15 [Appeals court revives case of Shakopee mom fired after protesting mask mandates - Alpha News MN](https://news.google.com/rss/articles/CBMipAFBVV95cUxNclUya3JvamZacnVLc2pKUzNGeTFMcVFSaDFuOHE1b1BZYlRzenZYdzlIWlVzSTQzbWtBeTVtRDctYlFKZzJzMFNBbWNrTDdiWWhKWWlhV05qemVBbEx3ZXRLazZzUm1FYjZ4S3hPMklJb1RIeXNkMTd6STJoWXNMMENyNFZybERhMEMyTUxjM1J5bDZJRnpVWjFoSnM4allCQ0MzdA?oc=5) · Alpha News MN
- 2024-03-28 [Lawsuit alleging Shakopee schools, HomeTown Bank colluded to fire employee dismissed - Pioneer Press](https://news.google.com/rss/articles/CBMivwFBVV95cUxNcFI3XzhBTmcyOG9zd3FGcFJZTFJFUTAzU1R3cnkzb1JOOVR2NmxRNVZPSEI5RUN1alJDdWVFclZDMXBURHhlTktuVEpMaW9ncFk4clUtVGlONDZYUzZMM1hqbVVqNHF6TldvUVluSEpDSGtyQmk1SWUwS1o3WWhwZkRPMzNFb0VlLUpvZDltU1hzNDFJblhpczRucEgwRjN3eDlEaXdocGltWktMUEJjb0dYYWx3SWlKVFFEdlV2RQ?oc=5) · Pioneer Press
- 2019-10-30 [Hometown Bank celebrates new location - Bedford Gazette](https://news.google.com/rss/articles/CBMivgFBVV95cUxPZlpMaFYwTE9hOWNKSnVWaF8tbzFuczdIMEhGMlQ3dnF6TFdxbHpQRWhmc3dESFNmZTRBaXhoTnlUcTQ3M3hIckN4WHV2Z3dkbnJJSl8yR3BLaE5KMVd2N1k0alYyaENiNVQtUTJHdzVqMU1DSEdSc0VKMV9WazB2M0Z5emJ0MW51SGRkNnlTMGdMTVhCYXlpUDNBbmtMVGdFYk1fNng1SjU2VF9xWS1ldm9TQWZtX0d3RHhWSG9B?oc=5) · Bedford Gazette
- 2021-10-04 [Facebook post reported by Shakopee superintendent could cost banker's job - kare11.com](https://news.google.com/rss/articles/CBMi6gFBVV95cUxPLUthUGF4QXFlNkVoQmlReDVRcnF0aHJHYzU2di1ZaURVSmh3a3lMSFlZMjlfdU9NUkdXQnVjamw5ZXRwaVZ5eEpzQlhzYjlQeTN5Vlpab3pwVWdwcFhZbmM5Qk85NGlRdGlSaEYzeUE2ZWQ1dmJGWnlGXzltWnhDYzZhempxZkZMUDZmdWZJalExZGE1cXp4MGl4N0xGX3Y1SzhMdTFGOTNRMkk5TXlBYi14SHpDUjIwS3FiQlNqOEx0ZE5ZaGxaSzdjN1lQWklDY1VONmF0TEd3akFQaDRFUERZQkNCYXBfZXc?oc=5) · kare11.com
- 2025-04-09 [America's Best Regional Banks and Credit Unions 2025 - Minnesota - Newsweek Rankings](https://news.google.com/rss/articles/CBMikAFBVV95cUxOUzh0Z3pCcmdqcXR3Vi0xQ0IzV0VKUGE3ZHpzRWVTcGpKSjFNMk5BZ2c0SnRCa1ZYRVlzd0dfX3ZlWVpDaDVhNXdGSXpERG0tZzN6VzRTRkp1ek50ZFJCei1sWHhSNXoxSlg0di1CMkpLUzliel9KS1dLWXMwOVdnaXpFcHJMUm9ydmxuMFpISDg?oc=5) · Newsweek Rankings

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=31028 (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/52.json (key "31028", 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.

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