Hometown Bank

Carver, MN · Cert 31028 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · Redwood Financial Inc.

State charter, non-member · FDIC · 11 branches

Q2 2026

$691.9MAssets

$515.6MLoans

$617.5MDeposits

$53.8MEquity

Executive Summary

Strongest standing: net charge-offs / loans outperforms 64% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 20 of 53).
Widest gap: equity / assets trails 83% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 44 of 53).
Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.83%

Rank 36 of 53

Net Interest Margin

3.89%

Rank 22 of 53

Efficiency Ratio

70.18%

Rank 39 of 53

Equity / Assets

7.77%

Rank 44 of 53

Unfavorable gap of $17.5M · efficiency ratio beats 28% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	0.83%	0.73%	1.11%	1.30%	Beats 32%	36 / 53
Return on Equity	10.68%	7.88%	12.20%	14.12%	Beats 45%	29 / 53
Net Interest Margin	3.89%	3.39%	3.77%	4.09%	Beats 58%	22 / 53
Efficiency Ratio	70.18%	56.05%	65.05%	71.57%	Beats 28%	39 / 53
Asset Quality
Nonperforming Loans / Loans	0.37%	0.14%	0.52%	1.20%	Beats 60%	22 / 53
Net Charge-Offs / Loans	0.00%	0.00%	0.01%	0.08%	Beats 64%	20 / 53
Capital
Tier 1 Capital Ratio	10.75%	10.73%	12.98%	15.08%	Beats 26%	39 / 53
Total Risk-Based Capital Ratio	11.99%	11.49%	13.79%	16.34%	Beats 34%	35 / 53
Equity / Assets	7.77%	8.08%	9.25%	10.72%	Beats 17%	44 / 53
Liquidity & Funding
Loans / Deposits	83.49%	72.13%	82.29%	93.80%	51st pctl	26 / 53
Loans / Assets	74.52%	63.64%	71.80%	79.37%	62nd pctl	20 / 53
Brokered Deposits / Deposits	n/a	Not reported for this institution