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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Mcminnville, TN · FDIC certificate #57632
HOMELAND COMMUNITY BANK is an FDIC-insured institution based in Mcminnville, TN (FDIC certificate #57632). In its Q3 2026 Call Report it reported total assets of $247M, total deposits of $231M and net loans of $142M. Its primary federal regulator is FDIC.
Plain-language readout
HOMELAND COMMUNITY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $247M in Q3 2026 and were lowest at $237M in Q1 2026.
Total deposits were highest at $231M in Q3 2026 and lowest at $221M in Q1 2026.
Over the whole period total assets rose 4.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $247M | $231M | $142M | 0.94% | 16.59% | 3.54% |
| Q2 2026 | $244M | $227M | $136M | 0.91% | 15.77% | 3.48% |
| Q1 2026 | $237M | $221M | $133M | 0.83% | 14.35% | 3.39% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $28.5M | $22.4M | +$6.1M | +27.1% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $68.3M | $69.4M | -$1.1M | -1.6% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $135.9M | $133.5M | +$2.5M | +1.8% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $3.1M | $3.1M | -$10K | -0.3% |
| Other real estate owned | $107K | $22K | +$85K | +386.4% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $8.1M | $8.1M | -$8K | -0.1% |
| Total assets | $244.1M | $236.6M | +$7.5M | +3.2% |
| Liabilities | ||||
| Total deposits | $227.2M | $220.7M | +$6.5M | +3.0% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.6M | $2.4M | +$206K | +8.5% |
| Total liabilities | $229.8M | $223.1M | +$6.7M | +3.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.0M | $1.0M | $0K | 0.0% |
| Surplus | $9.3M | $9.3M | $0K | 0.0% |
| Retained earnings | $10.0M | $9.4M | +$597K | +6.4% |
| Accumulated other comprehensive income | -$6.1M | -$6.2M | +$144K | +2.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $14.2M | $13.5M | +$741K | +5.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $602K | $950K | -$348K | -36.6% |
| Adjusted nonperforming assets | $602K | $950K | -$348K | -36.6% |
| Tangible equity plus allowance | $15.4M | $14.6M | +$753K | +5.1% |
| Texas ratio (gross) | 3.92% | 6.50% | -2.58 pts | See points |
| Texas ratio (adjusted) | 3.92% | 6.50% | -2.58 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | 13.83% | 13.59% | +0.24 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 13.83% | 13.59% | +0.24 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.88% | 0.89% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 14.72% | 14.48% | +0.24 pts | See points |
| Tier 1 leverage (approximate) | 8.46% | 8.51% | -0.05 pts | See points |
| Construction and land loans to total capital | 93.81% | 83.05% | +10.76 pts | See points |
| Commercial real estate to total capital | 132.23% | 124.12% | +8.11 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -40.63% | -42.84% | +2.22 pts | See points |
| Liquidity | ||||
| Core deposits | $195.5M | $190.0M | +$5.4M | +2.9% |
| Non-core funding | $31.7M | $30.6M | +$1.1M | +3.6% |
| Loans to core deposits | 70.13% | 70.84% | -0.71 pts | See points |
| Loans to deposits | 60.34% | 61.01% | -0.67 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 6.55% | 6.52% | +0.02 pts | See points |
| Loans pledged, share of loans | 37.89% | 37.98% | -0.10 pts | See points |
| Volatile liabilities | $31.7M | $30.6M | +$1.1M | +3.6% |
| Earnings | ||||
| Earnings before provision, year to date | $1.5M | $649K | +$808K | +124.5% |
| Earnings before provision, single quarter | $808K | $649K | +$159K | +24.5% |
| Provision for credit losses, year to date | $30K | $15K | +$15K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.81% | 6.72% | +0.09 pts | See points |
| Yield on interest-bearing balances due from banks | 3.52% | 2.77% | +0.75 pts | See points |
| Total interest income to average assets | 4.84% | 4.74% | +0.10 pts | See points |
| Cost of interest-bearing transaction accounts | 0.52% | 0.51% | +0.01 pts | See points |
| Cost of savings and money market deposits | 0.86% | 0.83% | +0.03 pts | See points |
| Cost of time deposits | 3.21% | 3.28% | -0.07 pts | See points |
| Total interest expense to average assets | 1.47% | 1.54% | -0.07 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $247M | $231M | $142M | 0.94% | 16.59% | 3.54% |
| 2026-06-30 | $244M | $227M | $136M | 0.91% | 15.77% | 3.48% |
| 2026-03-31 | $237M | $221M | $133M | 0.83% | 14.35% | 3.39% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| TN | $232.2M | 0.10% | 106 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.