Homeland Community Bank
McMinnville, TN · Cert 57632 · Peer group: banks under $1B in assets (n=581-629) · Homeland Community Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$244.1MAssets
$137.1MLoans
$227.2MDeposits
$14.2MEquity
Executive Summary
- Strongest standing: return on equity outperforms 84% of banks under $1B in assets (rank 102 of 629).
- Widest gap: equity / assets trails 98% of banks under $1B in assets (rank 619 of 629).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
0.88%
Rank 378 of 629
Net Interest Margin
3.22%
Rank 419 of 629
Efficiency Ratio
66.67%
Rank 293 of 629
Equity / Assets
5.83%
Rank 619 of 629
Non-interest income vs. expense
Unfavorable gap of $4.8M · efficiency ratio beats 54% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.88% | 0.60% | 1.01% | 1.45% | Beats 40% | 378 / 629 | |
| Return on Equity | 15.15% | 5.38% | 9.30% | 13.28% | Beats 84% | 102 / 629 | |
| Net Interest Margin | 3.22% | 3.03% | 3.54% | 4.05% | Beats 33% | 419 / 629 | |
| Efficiency Ratio | 66.67% | 58.35% | 67.79% | 79.08% | Beats 54% | 293 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.36% | 0.09% | 0.46% | 1.20% | Beats 55% | 263 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 58% | 247 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 13.83% | 11.24% | 13.84% | 18.77% | Beats 50% | 316 / 629 | |
| Total Risk-Based Capital Ratio | 14.72% | 11.58% | 14.43% | 19.66% | Beats 52% | 303 / 629 | |
| Equity / Assets | 5.83% | 9.09% | 10.65% | 13.80% | Beats 2% | 619 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 60.34% | 67.24% | 80.90% | 93.48% | 18th pctl | 487 / 594 | |
| Loans / Assets | 56.17% | 53.31% | 67.71% | 78.15% | 28th pctl | 450 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |