HomeBank (FDIC certificate #14492) is based in Palmyra, Missouri. Its Q2 2026 call report shows $733.3M in total assets and $604.3M in deposits and 9 offices across 2 states.
Based on its Q2 2026 filing, HomeBank scores 74/100, which we describe as strong. That is higher than 57% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 81st. Its strongest component is earnings (100/100; 2.12%), and its lowest is capital cushion (46/100; 9.61%).
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 rose 2 points (72 → 74), mostly because the loan quality component improved by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 74 |
| Q4 2024 | 67 |
| Q1 2025 | 61 |
| Q2 2025 | 72 |
| Q3 2025 | 72 |
| Q4 2025 | 72 |
| Q1 2026 | 71 |
| Q2 2026 | 74 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.78% |
| Q3 2024 | 9.59% |
| Q4 2024 | 9.65% |
| Q1 2025 | 9.56% |
| Q2 2025 | 9.76% |
| Q3 2025 | 9.81% |
| Q4 2025 | 9.64% |
| Q1 2026 | 9.65% |
| Q2 2026 | 9.61% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.04% |
| Q3 2024 | 0.02% |
| Q4 2024 | 0.79% |
| Q1 2025 | 1.62% |
| Q2 2025 | 0.70% |
| Q3 2025 | 0.64% |
| Q4 2025 | 0.60% |
| Q1 2026 | 0.54% |
| Q2 2026 | 0.29% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.45% |
| Q3 2024 | 1.50% |
| Q4 2024 | 1.57% |
| Q1 2025 | 1.87% |
| Q2 2025 | 1.97% |
| Q3 2025 | 2.04% |
| Q4 2025 | 1.90% |
| Q1 2026 | 1.97% |
| Q2 2026 | 2.12% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $733.3M | 9.61% | 0.29% | 2.12% | 102.4% |
| Q1 2026 | 71 | $727.3M | 9.65% | 0.54% | 1.97% | 101.8% |
| Q4 2025 | 72 | $711.6M | 9.64% | 0.60% | 1.90% | 96.4% |
| Q3 2025 | 72 | $663.8M | 9.81% | 0.64% | 2.04% | 100.8% |
| Q2 2025 | 72 | $653.4M | 9.76% | 0.70% | 1.97% | 98.7% |
| Q1 2025 | 61 | $658.6M | 9.56% | 1.62% | 1.87% | 96.3% |
| Q4 2024 | 67 | $652.1M | 9.65% | 0.79% | 1.57% | 98.0% |
| Q3 2024 | 74 | $635.9M | 9.59% | 0.02% | 1.50% | 97.3% |
| Q2 2024 | 74 | $625.8M | 9.78% | 0.04% | 1.45% | 98.1% |
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 Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Midwest Bank of the OzarksBank Poplar Bluff, MO | 69 out of 100, Moderate | $733.2M | 10.8% | 1.00% | vs |
| Peoples Community BankBank Greenville, MO | 83 out of 100, Strong | $735.2M | 18.5% | 1.23% | vs |
| Town & Country BankBank Salem, MO | 86 out of 100, Very strong | $747.7M | 12.4% | 0.35% | vs |
| West Plains Bank and Trust CompanyBank West Plains, MO | 70 out of 100, Strong | $767.9M | 8.3% | 0.45% | vs |
| Bank of OdessaBank Odessa, MO | 72 out of 100, Strong | $667.1M | 13.7% | 2.12% | vs |
| MRV BanksBank Sainte Genevieve, MO | 43 out of 100, Below average | $803.1M | 11.5% | 5.72% | vs |
Deposit insurance
Is my money safe at HomeBank?
Yes. HomeBank is an FDIC-insured institution (FDIC certificate #14492). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.1% of deposits ($103.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.61%, 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%).
9 locations
Branches
HomeBank lists 9 offices in 8 cities across 2 states. Most locations:
- Quincy, IL (2)
- Bowling Green, MO (1)
- Canton, MO (1)
- Centralia, MO (1)
- Hannibal, MO (1)
- Mexico, MO (1)
- O Fallon, MO (1)
- Palmyra, MO (1)
HMDA 2025
Mortgage lending
In 2025, HomeBank reported 249 home-loan applications under HMDA (LEI 549300DFV63SJPNIII97): 227 originated ($38,685,000 total), 2 denied, and 20 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.9%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- HomeBank
- Former names
- Palmyra State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 14492
- RSSD ID
- 697156
- Primary regulator
- FDIC
- Holding company
- Byron B Webb Inc
- Established
- June 1, 1934
- Headquarters
- 400 S Main St, Palmyra, MO 63461
- Website
- www.myhomebank.bank
- Employees
- 129
Quick answers
HomeBank: common questions
Is HomeBank FDIC insured?
Yes. HomeBank is an FDIC-insured institution (FDIC certificate #14492). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is HomeBank's TellerScore?
74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has HomeBank ever failed?
There is no failure record for FDIC certificate #14492 in the FDIC failed bank list.
How many branches does HomeBank have?
9 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Palmyra
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Members "first" Community Credit UnionCredit union Quincy, IL | 92 out of 100, Very strong | $111.6M | 25.4% | 0.03% | vs |
| Town & Country Bank MidwestBank Quincy, IL | 92 out of 100, Very strong | $279.3M | 14.9% | 0.15% | vs |
| Farmers State BankBank Pittsfield, IL | 88 out of 100, Very strong | $339.8M | 15.0% | 0.23% | vs |
| Liberty BankBank Liberty, IL | 86 out of 100, Very strong | $193.9M | 12.2% | 0.14% | vs |
| United Community Credit UnionCredit union Quincy, IL | 84 out of 100, Strong | $134.1M | 15.4% | 0.40% | vs |
| Western Illinois School Employees Credit UnionCredit union Quincy, IL | 83 out of 100, Strong | $24.0M | 16.1% | 0.17% | vs |