Home Banking Company (FDIC certificate #9196) is based in Selmer, Tennessee. Its Q2 2026 call report shows $124.0M in total assets and $111.5M in deposits and 5 offices across 2 states.
Home Banking Company has a TellerScore of 57 out of 100 (moderate) based on Q2 2026 data — higher than only 14% of its 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 101st. Funding & liquidity contributes the most (88/100, 56% loans-to-deposits, 26% uninsured); earnings contributes the least (37/100, 0.42%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 5 points (62 → 57), mostly because the loan quality component weakened by 33 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 53 |
| Q3 2024 | 52 |
| Q4 2024 | 49 |
| Q1 2025 | 54 |
| Q2 2025 | 62 |
| Q3 2025 | 62 |
| Q4 2025 | 55 |
| Q1 2026 | 56 |
| Q2 2026 | 57 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.10% |
| Q3 2024 | 7.30% |
| Q4 2024 | 7.31% |
| Q1 2025 | 8.56% |
| Q2 2025 | 9.16% |
| Q3 2025 | 10.27% |
| Q4 2025 | 10.35% |
| Q1 2026 | 10.23% |
| Q2 2026 | 10.08% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.44% |
| Q3 2024 | 0.46% |
| Q4 2024 | 0.88% |
| Q1 2025 | 0.67% |
| Q2 2025 | 0.52% |
| Q3 2025 | 0.71% |
| Q4 2025 | 1.46% |
| Q1 2026 | 1.64% |
| Q2 2026 | 1.49% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.06% |
| Q3 2024 | -0.07% |
| Q4 2024 | 0.00% |
| Q1 2025 | -0.09% |
| Q2 2025 | 0.08% |
| Q3 2025 | 0.05% |
| Q4 2025 | 0.06% |
| Q1 2026 | 0.60% |
| Q2 2026 | 0.42% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 57 | $124.0M | 10.08% | 1.49% | 0.42% | 55.6% |
| Q1 2026 | 56 | $129.6M | 10.23% | 1.64% | 0.60% | 52.3% |
| Q4 2025 | 55 | $123.0M | 10.35% | 1.46% | 0.06% | 53.9% |
| Q3 2025 | 62 | $121.2M | 10.27% | 0.71% | 0.05% | 55.5% |
| Q2 2025 | 62 | $127.5M | 9.16% | 0.52% | 0.08% | 53.3% |
| Q1 2025 | 54 | $147.6M | 8.56% | 0.67% | -0.09% | 50.1% |
| Q4 2024 | 49 | $144.1M | 7.31% | 0.88% | 0.00% | 51.9% |
| Q3 2024 | 52 | $144.2M | 7.30% | 0.46% | -0.07% | 52.9% |
| Q2 2024 | 53 | $148.3M | 7.10% | 0.44% | 0.06% | 52.7% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Tennessee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of HallsBank Halls, TN | 64 out of 100, Moderate | $134.6M | 8.0% | 0.15% | vs |
| The Peoples BankBank Sardis, TN | 62 out of 100, Moderate | $113.1M | 10.6% | 1.21% | vs |
| Bank of GleasonBank Gleason, TN | 90 out of 100, Very strong | $138.5M | 20.9% | 0.14% | vs |
| The Bank of MilanBank Milan, TN | 72 out of 100, Strong | $101.1M | 9.5% | 0.99% | vs |
| Greenfield Banking CompanyBank Greenfield, TN | 59 out of 100, Moderate | $151.2M | 8.5% | 1.03% | vs |
| Central BankBank Savannah, TN | 78 out of 100, Strong | $160.2M | 12.0% | 0.00% | vs |
Deposit insurance
Is my money safe at Home Banking Company?
Yes. Home Banking Company is an FDIC-insured institution (FDIC certificate #9196). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 25.7% of deposits ($28.6M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.08%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
5 locations
Branches
Home Banking Company lists 5 offices in 5 cities across 2 states. Most locations:
- Corinth, MS (1)
- Finger, TN (1)
- Michie, TN (1)
- Savannah, TN (1)
- Selmer, TN (1)
Identity & history
Profile
- Legal name
- Home Banking Company
- Type
- State-chartered bank
- FDIC certificate #
- 9196
- RSSD ID
- 138556
- Primary regulator
- FDIC
- Holding company
- Home Bancshares Inc
- Established
- March 15, 1915
- Headquarters
- 795 E Poplar Ave, Selmer, TN 38375
- Website
- www.homebankingco.com
- Employees
- 32
Quick answers
Home Banking Company: common questions
Is Home Banking Company FDIC insured?
Yes. Home Banking Company is an FDIC-insured institution (FDIC certificate #9196). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Home Banking Company's TellerScore?
57 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Home Banking Company ever failed?
There is no failure record for FDIC certificate #9196 in the FDIC failed bank list.
How many branches does Home Banking Company have?
5 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Selmer
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Central BankBank Savannah, TN | 78 out of 100, Strong | $160.2M | 12.0% | 0.00% | vs |
| Farmers and Merchants BankBank Baldwyn, MS | 77 out of 100, Strong | $565.8M | 14.2% | 1.69% | vs |
| The Hardin County BankBank Savannah, TN | 76 out of 100, Strong | $676.7M | 10.8% | 0.16% | vs |
| Fort Financial Federal Credit UnionCredit union Fort Wayne, IN | 76 out of 100, Strong | $397.3M | 11.8% | 0.50% | vs |
| Commerce BankBank Corinth, MS | 74 out of 100, Strong | $167.9M | 12.5% | 1.72% | vs |
| The Peoples BankBank Ripley, MS | 72 out of 100, Strong | $581.8M | 10.2% | 0.34% | vs |