Hometown Community Bank (FDIC #10197): Bank Stress & Real-Estate Credit Exposure
Hometown Community Bank (FDIC Cert #10197): bank stress 57/100, moderate, STABLE over 7 days; parent CYRUS BANCSHARES INC.
Hometown Community Bank (#10197) lends in 4 counties across 2 states; Hometown Community Bank (#10197) reaches 68 ZIP codes: North Dakota 2 counties, 45 ZIPs; Minnesota 2 counties, 23 ZIPs.
Hometown Community Bank (#10197) largest markets: Cass County, ND (30 branches, 30 ZIPs) (#10197), Barnes County, ND (20 branches, 20 ZIPs) (#10197), Douglas County, MN (17 branches, 17 ZIPs) (#10197), Pope County, MN (12 branches, 12 ZIPs) (#10197).
Hometown Community Bank (#10197) reports $105.7 million in total assets; Hometown Community Bank (#10197) equity $9.5 million (9.0% of Hometown Community Bank (#10197) assets); Hometown Community Bank (#10197) domestic deposits $90.8 million; Hometown Community Bank (#10197) net income $961,000; Hometown Community Bank (#10197) return on assets 1.84%; Hometown Community Bank (#10197) return on equity 20.77%; Hometown Community Bank (#10197) net interest income $1.9 million; Hometown Community Bank (#10197) call report June 30, 2026.
Hometown Community Bank (#10197) noncurrent real-estate loans: none reported; Hometown Community Bank (#10197) net charge-offs on real estate 1.94%.
Hometown Community Bank (#10197) net interest margin 3.80% against an eight-quarter Hometown Community Bank (#10197) average of 3.42% (Hometown Community Bank (#10197) compression -0.38 points); Hometown Community Bank (#10197) rate-exposure score 40/100, Hometown Community Bank (#10197) fixed-rate trap 40/100; Hometown Community Bank (#10197) risk type credit driven; Hometown Community Bank (#10197) rate regime rates elevated, Hometown Community Bank (#10197) snapshot October 19, 2026.
Hometown Community Bank (#10197) stress score moved from 54.7 on June 22, 2026 to 57.4 on October 19, 2026; Hometown Community Bank (#10197) ranged 54.7 to 57.4 over 116 snapshots.
Hometown Community Bank (#10197) alerts: 4 counties; top Hometown Community Bank (#10197) alert scores: Alexandria County, MN 22 (low); Cyrus County, MN 22 (low); Fingal County, MN 22 (low); Page County, MN 22 (low).