Headquartered in Mcminnville, Tennessee, Homeland Community Bank is a state-chartered bank with $244.1M in total assets and $227.2M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 2003.
Homeland Community Bank has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 34% of its 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 71st. Funding & liquidity contributes the most (93/100, 60% loans-to-deposits, 22% uninsured); capital cushion contributes the least (35/100, 8.46%).
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 6 points (61 → 67), mostly because the earnings component improved by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 61 |
| Q3 2024 | 62 |
| Q4 2024 | 62 |
| Q1 2025 | 61 |
| Q2 2025 | 61 |
| Q3 2025 | 63 |
| Q4 2025 | 64 |
| Q1 2026 | 63 |
| Q2 2026 | 67 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.82% |
| Q3 2024 | 7.94% |
| Q4 2024 | 7.74% |
| Q1 2025 | 7.71% |
| Q2 2025 | 7.79% |
| Q3 2025 | 7.99% |
| Q4 2025 | 8.08% |
| Q1 2026 | 8.51% |
| Q2 2026 | 8.46% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.71% |
| Q3 2024 | 0.58% |
| Q4 2024 | 0.52% |
| Q1 2025 | 0.44% |
| Q2 2025 | 0.44% |
| Q3 2025 | 0.40% |
| Q4 2025 | 0.38% |
| Q1 2026 | 0.69% |
| Q2 2026 | 0.36% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.87% |
| Q3 2024 | 0.79% |
| Q4 2024 | 0.72% |
| Q1 2025 | 0.55% |
| Q2 2025 | 0.58% |
| Q3 2025 | 0.62% |
| Q4 2025 | 0.65% |
| Q1 2026 | 0.83% |
| Q2 2026 | 0.91% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $244.1M | 8.46% | 0.36% | 0.91% | 59.8% |
| Q1 2026 | 63 | $236.6M | 8.51% | 0.69% | 0.83% | 60.5% |
| Q4 2025 | 64 | $227.7M | 8.08% | 0.38% | 0.65% | 62.2% |
| Q3 2025 | 63 | $239.8M | 7.99% | 0.40% | 0.62% | 59.5% |
| Q2 2025 | 61 | $246.8M | 7.79% | 0.44% | 0.58% | 57.6% |
| Q1 2025 | 61 | $246.4M | 7.71% | 0.44% | 0.55% | 58.5% |
| Q4 2024 | 62 | $235.4M | 7.74% | 0.52% | 0.72% | 59.1% |
| Q3 2024 | 62 | $232.7M | 7.94% | 0.58% | 0.79% | 59.1% |
| Q2 2024 | 61 | $231.3M | 7.82% | 0.71% | 0.87% | 58.9% |
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 |
|---|---|---|---|---|---|
| Union BankBank Jamestown, TN | 71 out of 100, Strong | $247.0M | 10.7% | 0.49% | vs |
| Bank of Perry CountyBank Lobelville, TN | 71 out of 100, Strong | $253.1M | 9.1% | 0.38% | vs |
| Mountain Valley BankBank Dunlap, TN | 62 out of 100, Moderate | $254.6M | 10.0% | 0.54% | vs |
| Farmers State BankBank Mountain City, TN | 73 out of 100, Strong | $232.6M | 12.6% | 0.83% | vs |
| Peoples Bank of the SouthBank La Follette, TN | 76 out of 100, Strong | $232.0M | 12.4% | 0.85% | vs |
| Bank of Lincoln CountyBank Fayetteville, TN | 86 out of 100, Very strong | $230.1M | 12.2% | 0.01% | vs |
Deposit insurance
Is my money safe at Homeland Community Bank?
Yes. Homeland Community Bank is an FDIC-insured institution (FDIC certificate #57632). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.6% of deposits ($49.1M) 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 8.46%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.72% (benchmark: 10%).
4 locations
Branches
Homeland Community Bank lists 4 offices in 4 cities. Most locations:
- Mcminnville, TN (1)
- Mc Minnville, TN (1)
- Morrison, TN (1)
- Woodbury, TN (1)
Identity & history
Profile
- Legal name
- Homeland Community Bank
- Type
- State-chartered bank
- FDIC certificate #
- 57632
- RSSD ID
- 3223408
- Primary regulator
- FDIC
- Holding company
- Homeland Community Bcorp Inc
- Established
- November 24, 2003
- Headquarters
- 900 N Chancery St, Mcminnville, TN 37110
- Website
- www.homelandcb.com
- Employees
- 37
Quick answers
Homeland Community Bank: common questions
Is Homeland Community Bank FDIC insured?
Yes. Homeland Community Bank is an FDIC-insured institution (FDIC certificate #57632). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Homeland Community Bank's TellerScore?
67 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 Homeland Community Bank ever failed?
There is no failure record for FDIC certificate #57632 in the FDIC failed bank list.
How many branches does Homeland Community Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Mcminnville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| Peoples Bank & Trust CompanyBank Manchester, TN | 93 out of 100, Very strong | $168.6M | 14.7% | 0.02% | vs |
| Citizens BankBank Carthage, TN | 92 out of 100, Very strong | $832.5M | 16.3% | 0.62% | vs |
| Heritage South Community Credit UnionCredit union Shelbyville, TN | 88 out of 100, Very strong | $361.9M | 17.1% | 0.75% | vs |
| First National Bank of TennesseeBank Livingston, TN | 86 out of 100, Very strong | $1.4B | 11.6% | 0.28% | vs |
| Ascend Federal Credit UnionCredit union Tullahoma, TN | 83 out of 100, Strong | $4.8B | 14.6% | 0.49% | vs |