Hometown Bank (FDIC #31028): Bank Stress & Real-Estate Credit Exposure
Hometown Bank (FDIC Cert #31028): bank stress 81/100, severe, STABLE over 7 days; parent REDWOOD FINANCIAL INC.
Hometown Bank (#31028) lends in 7 counties across 1 state; Hometown Bank (#31028) reaches 85 ZIP codes: Minnesota 7 counties, 85 ZIPs.
Hometown Bank (#31028) largest markets: Redwood County, MN (22 branches, 22 ZIPs) (#31028), Carver County, MN (54 branches, 18 ZIPs) (#31028), Renville County, MN (16 branches, 16 ZIPs) (#31028), Sibley County, MN (16 branches, 16 ZIPs) (#31028), Le Sueur County, MN (26 branches, 13 ZIPs) (#31028), Nicollet County, MN (10 branches, 10 ZIPs) (#31028).
Hometown Bank (#31028) reports $691.9 million in total assets; Hometown Bank (#31028) equity $53.8 million (7.8% of Hometown Bank (#31028) assets); Hometown Bank (#31028) domestic deposits $617.5 million; Hometown Bank (#31028) net income $2.9 million; Hometown Bank (#31028) return on assets 0.85%; Hometown Bank (#31028) return on equity 11.05%; Hometown Bank (#31028) net interest income $13.3 million; Hometown Bank (#31028) call report June 30, 2026.
Hometown Bank (#31028) noncurrent real-estate loans: none reported; Hometown Bank (#31028) net charge-offs on real estate 0.35%; Hometown Bank (#31028) residential charge-offs 0.22%.
Hometown Bank (#31028) net interest margin 4.25% against an eight-quarter Hometown Bank (#31028) average of 3.74% (Hometown Bank (#31028) compression -0.51 points); Hometown Bank (#31028) non-residential real estate 22.3% of equity; Hometown Bank (#31028) rate-exposure score 40/100, Hometown Bank (#31028) fixed-rate trap 40/100; Hometown Bank (#31028) risk type credit driven; Hometown Bank (#31028) rate regime rates elevated, Hometown Bank (#31028) snapshot October 19, 2026.
Hometown Bank (#31028) stress score moved from 82.7 on June 22, 2026 to 81.4 on October 20, 2026; Hometown Bank (#31028) ranged 81.4 to 82.7 over 117 snapshots.
Hometown Bank (#31028) alerts: 7 counties; top Hometown Bank (#31028) alert scores: Le Sueur County, MN 51 (elevated); Henderson County, MN 28 (low); Olivia County, MN 28 (low); Redwood Falls County, MN 28 (low); Saint Peter County, MN 28 (low).