TellerScore

Headquartered in Carver, Minnesota, HomeTown Bank is a state-chartered bank with $691.9M in total assets and $617.5M in deposits as of Q2 2026. It operates 11 offices. Its charter dates back to 1924.

Based on its Q2 2026 filing, HomeTown Bank scores 64/100, which we describe as moderate. That is higher than only 26% of 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 152nd. Its strongest component is problem-loan coverage (94/100; 3.2%), and its lowest is capital cushion (33/100; 8.27%).

TellerScore · Q2 2026

Scorecard

Capital cushion33/100
Tier 1 leverage ratio: 8.27%
Loan quality88/100
Noncurrent loans ÷ total loans: 0.37%
Earnings54/100
Return on assets (annualized): 0.85%
Funding & liquidity76/100
Loans ÷ deposits and uninsured-deposit share: 82.4% · 16.3% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.16%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (65 → 64).

TellerScore
606366Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202466
Q4 202465
Q1 202560
Q2 202565
Q3 202565
Q4 202562
Q1 202661
Q2 202664
Tier 1 leverage ratio
5.00%6.69%8.38%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.14%
Q3 20248.17%
Q4 20248.16%
Q1 20258.38%
Q2 20258.22%
Q3 20258.21%
Q4 20258.18%
Q1 20268.13%
Q2 20268.27%
Noncurrent loans
0.13%0.46%0.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.13%
Q3 20240.13%
Q4 20240.16%
Q1 20250.79%
Q2 20250.32%
Q3 20250.30%
Q4 20250.59%
Q1 20260.44%
Q2 20260.37%
Return on assets
0.59%0.72%0.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.72%
Q3 20240.67%
Q4 20240.59%
Q1 20250.66%
Q2 20250.84%
Q3 20250.84%
Q4 20250.80%
Q1 20260.73%
Q2 20260.85%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$691.9M8.27%0.37%0.85%82.4%
Q1 202661$673.1M8.13%0.44%0.73%81.5%
Q4 202562$663.2M8.18%0.59%0.80%76.0%
Q3 202565$649.2M8.21%0.30%0.84%72.9%
Q2 202565$628.0M8.22%0.32%0.84%73.1%
Q1 202560$607.2M8.38%0.79%0.66%70.2%
Q4 202465$599.7M8.16%0.16%0.59%70.7%
Q3 202466$602.4M8.17%0.13%0.67%72.5%
Q2 202466$590.6M8.14%0.13%0.72%70.9%

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).

Capital ratio8.27%
4th
Total risk-based capital11.99%
52nd
Problem loans0.37%
52nd
Net charge-offs-0.00%
79th
Return on assets0.85%
26th
Net interest margin4.25%
68th
Efficiency ratio70.2%
29th
Loans to deposits82.4%
44th
Uninsured deposits16.3%
78th
Loan-loss reserves1.25%
56th
Texas ratio3.2%
47th

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Premier Bank MinnesotaBank Hastings, MN77 out of 100, Strong$691.5M10.0%0.04%vs
The Bank of Elk RiverBank Elk River, MN59 out of 100, Moderate$719.1M9.1%1.20%vs
BankVistaBank Sartell, MN46 out of 100, Below average$651.1M9.9%2.21%vs
FM BankBank Waseca, MN66 out of 100, Moderate$738.4M7.7%0.00%vs
Platinum BankBank Oakdale, MN55 out of 100, Moderate$739.1M8.5%0.81%vs
First Independent BankBank Russell, MN76 out of 100, Strong$632.3M9.9%0.14%vs

Deposit insurance

Is my money safe at HomeTown Bank?

Yes. HomeTown Bank is an FDIC-insured institution (FDIC certificate #31028). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 16.3% of deposits ($100.7M) 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 8.27%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.99% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

HomeTown Bank lists 10 offices in 10 cities. Most locations:

  • Carver, MN (1)
  • Cleveland, MN (1)
  • Henderson, MN (1)
  • Jordan, MN (1)
  • Le Sueur, MN (1)
  • Olivia, MN (1)
  • Redwood Falls, MN (1)
  • Shakopee, MN (1)
  • St. Peter, MN (1)
  • Waconia, MN (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, HomeTown Bank reported 371 home-loan applications under HMDA (LEI 254900KSUTZO899YU680): 318 originated ($74,930,000 total), 14 denied, and 37 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.2%, 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
HomeTown Bank
Former names
Redwood Falls Federal Savings and Loan Association
Type
State-chartered bank
FDIC certificate #
31028
RSSD ID
788773
Primary regulator
FDIC
Holding company
Redwood Financial Inc
Established
January 1, 1924
Headquarters
1600 Monroe Drive, Carver, MN 55315
Employees
142

Quick answers

HomeTown Bank: common questions

Is HomeTown Bank FDIC insured?

Yes. HomeTown Bank is an FDIC-insured institution (FDIC certificate #31028). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is HomeTown Bank's TellerScore?

64 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 HomeTown Bank ever failed?

There is no failure record for FDIC certificate #31028 in the FDIC failed bank list.

How many branches does HomeTown Bank have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Carver

InstitutionScoreAssetsCapitalProblem loansCompare
Ziegler Federal Credit UnionCredit union Bloomington, MN87 out of 100, Very strong$4.3M26.9%1.09%vs
Think Mutual BankBank Rochester, MN86 out of 100, Very strong$2.2B16.3%0.25%vs
PrinsBankBank Prinsburg, MN85 out of 100, Very strong$308.3M12.0%0.29%vs
Toro Employees Federal Credit UnionCredit union Bloomington, MN84 out of 100, Strong$41.5M14.5%0.56%vs
Scale BankBank Edina, MN83 out of 100, Strong$626.7M14.0%0.06%vs
Genisys Credit UnionCredit union Auburn Hills, MI81 out of 100, Strong$6.6B15.5%1.09%vs