Headquartered in Cyrus, Minnesota, Hometown Community Bank is a state-chartered bank with $105.7M in total assets and $90.8M in deposits as of Q2 2026. It operates 4 offices across 2 states. Its charter dates back to 1901.
Based on its Q2 2026 filing, Hometown Community Bank scores 57/100, which we describe as moderate. That is higher than only 14% of 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 185th. Its strongest component is earnings (93/100; 1.84%), and its lowest is loan quality (41/100; 1.78%).
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 3 points (54 → 57), mostly because the earnings component improved by 28 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 59 |
| Q3 2024 | 59 |
| Q4 2024 | 58 |
| Q1 2025 | 57 |
| Q2 2025 | 54 |
| Q3 2025 | 53 |
| Q4 2025 | 58 |
| Q1 2026 | 59 |
| Q2 2026 | 57 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.82% |
| Q3 2024 | 9.45% |
| Q4 2024 | 9.06% |
| Q1 2025 | 9.39% |
| Q2 2025 | 9.19% |
| Q3 2025 | 8.81% |
| Q4 2025 | 8.88% |
| Q1 2026 | 9.38% |
| Q2 2026 | 9.09% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.94% |
| Q3 2024 | 0.91% |
| Q4 2024 | 0.86% |
| Q1 2025 | 1.41% |
| Q2 2025 | 1.61% |
| Q3 2025 | 1.64% |
| Q4 2025 | 1.33% |
| Q1 2026 | 1.88% |
| Q2 2026 | 1.78% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.78% |
| Q3 2024 | 0.83% |
| Q4 2024 | 0.84% |
| Q1 2025 | 1.09% |
| Q2 2025 | 1.12% |
| Q3 2025 | 1.19% |
| Q4 2025 | 1.27% |
| Q1 2026 | 1.90% |
| Q2 2026 | 1.84% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 57 | $105.7M | 9.09% | 1.78% | 1.84% | 99.1% |
| Q1 2026 | 59 | $103.1M | 9.38% | 1.88% | 1.90% | 91.6% |
| Q4 2025 | 58 | $105.0M | 8.88% | 1.33% | 1.27% | 91.9% |
| Q3 2025 | 53 | $99.6M | 8.81% | 1.64% | 1.19% | 97.9% |
| Q2 2025 | 54 | $98.2M | 9.19% | 1.61% | 1.12% | 96.6% |
| Q1 2025 | 57 | $94.0M | 9.39% | 1.41% | 1.09% | 92.8% |
| Q4 2024 | 58 | $93.1M | 9.06% | 0.86% | 0.84% | 97.9% |
| Q3 2024 | 59 | $91.0M | 9.45% | 0.91% | 0.83% | 96.2% |
| Q2 2024 | 59 | $88.0M | 9.82% | 0.94% | 0.78% | 98.7% |
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 Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First State Bank MinnesotaBank Le Roy, MN | 76 out of 100, Strong | $105.9M | 11.4% | 0.80% | vs |
| Prairie Sun BankBank Milan, MN | 58 out of 100, Moderate | $107.0M | 9.9% | 1.82% | vs |
| Produce State BankBank Hollandale, MN | 69 out of 100, Moderate | $107.2M | 10.3% | 1.26% | vs |
| Community Bank OwatonnaBank Owatonna, MN | 63 out of 100, Moderate | $103.3M | 8.0% | 0.42% | vs |
| Northern State Bank of VirginiaBank Virginia, MN | 75 out of 100, Strong | $102.0M | 10.2% | 0.00% | vs |
| Red River State BankBank Halstad, MN | 59 out of 100, Moderate | $110.2M | 15.2% | 8.88% | vs |
Deposit insurance
Is my money safe at Hometown Community Bank?
Yes. Hometown Community Bank is an FDIC-insured institution (FDIC certificate #10197). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 11.5% of deposits ($10.4M) 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 9.09%, 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%).
4 locations
Branches
Hometown Community Bank lists 4 offices in 4 cities across 2 states. Most locations:
- Alexandria, MN (1)
- Cyrus, MN (1)
- Fingal, ND (1)
- Page, ND (1)
Identity & history
Profile
- Legal name
- Hometown Community Bank
- Former names
- State Bank of Cyrus
- Type
- State-chartered bank
- FDIC certificate #
- 10197
- RSSD ID
- 156457
- Primary regulator
- FDIC
- Holding company
- Cyrus Bancshares Inc
- Established
- October 7, 1901
- Headquarters
- 100 E Main St, Cyrus, MN 56323
- Website
- www.hcbmn.com
- Employees
- 14
Quick answers
Hometown Community Bank: common questions
Is Hometown Community Bank FDIC insured?
Yes. Hometown Community Bank is an FDIC-insured institution (FDIC certificate #10197). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Hometown Community Bank'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 Hometown Community Bank ever failed?
There is no failure record for FDIC certificate #10197 in the FDIC failed bank list.
How many branches does Hometown Community Bank have?
4 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Cyrus
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Eagle BankBank Glenwood, MN | 89 out of 100, Very strong | $226.9M | 14.3% | 0.58% | vs |
| National Bank of CommerceBank Superior, WI | 70 out of 100, Strong | $2.2B | 9.3% | 0.64% | vs |
| Viking Bank, National AssociationBank Alexandria, MN | 70 out of 100, Strong | $330.3M | 9.2% | 0.53% | vs |
| Kensington BankBank Kensington, MN | 69 out of 100, Moderate | $446.7M | 9.9% | 0.58% | vs |
| Co-Op Credit Union of MontevideoCredit union Montevideo, MN | 69 out of 100, Moderate | $422.8M | 15.8% | 3.18% | vs |
| Magnifi Financial Credit UnionCredit union Melrose, MN | 68 out of 100, Moderate | $2.8B | 11.0% | 0.21% | vs |