Home Banking Company


795 Poplar Avenue
Selmer, TN 38375
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Home Banking Company is an FDIC insured institution located in Selmer, TN. It was founded in 1915 and has approximately $0.1 billion in assets. Customers can open an account at one of its 5 branches.

FDIC Insured Yes
FDIC Certificate # 9196
Date Established 1915
Assets $ 99.10 million
Loans $ 35.59 million
Deposits $ 87.76 million
Capital $ 10.14 million

For a more detailed analysis of Home Banking Company's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 21, 2020

Your Current Location: Connecticut, CT 06828

Loan Rates - September 21, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Home Banking Company

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,122 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

Note to Home Banking Company
To upload and update your bank's rates please register. It is free to register and add rates.


Home Banking Company branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Home Banking Company Locations

Financial Details

Home Banking Company Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Home Banking Company. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Home Banking Company U.S. Bank Average
4.05% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Home Banking Company had $412,000 in non-current loans and $16,000 in owned real estate. To cover these potential losses it had $10,144,000 in equity and $417,000 in loans loss reserves. That gives it a Texas Ratio of 4.05%.

Return on Equity
Home Banking Company U.S. Bank Average
7.46% 7.80%

Home Banking Company has a Return on Equity of 7.46% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Home Banking Company U.S. Bank Average
10.24% 12.68%

Home Banking Company has a Capitalization of 10.24% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Home Banking Company Balance Sheet Analysis

As of March 31, 2020, Home Banking Company had assets of $99,100,000, loans of $35,594,000, and deposits of $87,760,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
Cash & Balances due from depository institutions $ 7.40 million
Interest-bearing balances $ 4.99 million
Total securities $ 38.43 million
Federal funds sold and reverse repurchase $ 11.48 million
Net loans and leases $ 35.59 million
Loan loss allowance $ 0.42 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.02 million
Goodwill and other intangibles $ 0.20 million
All other assets $ 3.25 million
     Total Assets $ 88.96 million
Total deposits $ 87.76 million
      Interest-bearing deposits $ 62.96 million
      Deposits held in domestic offices $ 87.76 million
      % insured (estimated) 74.82%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 1.20 million
      Total Liabilities $ 88.96 million
      Shareholders’ Equity $ 10.14 million

Summary Income Statement

March 31, 2020
Total Interest Income $ 0.90 million
Total Interest Expense $ 0.13 million
Net interest income $ 0.77 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.15 million
Total non interest expense $ 0.77 million
Pre-tax Net Operating Income $ 0.14 million

Bank Loan Profile?

The top three loan types in Home Banking Company’s loan portfolio are 1-4 Family Residential Loans, Commercial and Industrial Loans, and Commercial Real Estate.

Compared to other banks, Home Banking Company’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 34.02
Credit Card Loans 0.00
Consumer Auto Loans 6.37
Small Business Loans 0.00
Construction and Development Loans 12.04
Commercial Real Estate 15.21
Commercial and Industrial Loans 19.97
Farm Loans 0.00

Frequently Asked Questions About Home Banking Company

Branches and Savings

Is Home Banking Company FDIC insured?

Yes. It is covered under FDIC Certificate #9196.

Why does Home Banking Company pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Home Banking Company CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Home Banking Company a commercial bank?


Where are Home Banking Company locations?

See branch locations nearby.

Is Home Banking Company open on Saturdays?

Is Home Banking Company open on Sundays?

What time does Home Banking Company open?

What time does Home Banking Company close?

Are Home Banking Company ATMs Open 24/7?

Do Home Banking Company ATMs accept cash deposits?

Can Home Banking Company customers use other ATMs?

Do Home Banking Company branches have notaries?

Will Home Banking Company notarize my document?

What address for Home Banking Company should I put for incoming ACH transfers?

Will the Home Banking Company branch print checks?

Do Home Banking Company checks expire?

Does Home Banking Company require US citizenship to open account?

Can Home Banking Company close my account?

Does Home Banking Company Report to credit bureaus?

Does Home Banking Company Use Equifax?

What is Home Banking Company's ACH Routing Number?

What is Home Banking Company's SWIFT code?


Does Home Banking Company offer mortgages?

Compare mortgage rates here.

Does Home Banking Company offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Home Banking Company offer personal loans?

Compare personal loan rates here.

Does Home Banking Company offer student loans?

Will Home Banking Company cash a check?

Will Home Banking Company redeem a savings bond?

Does Home Banking Company cash savings bonds?

Will Home Banking Company cash money orders?

Can Home Banking Company issue a money order?

Does Home Banking Company do currency exchange?

Background on The Bank

Who owns Home Banking Company?

How long has Home Banking Company been around?

Can Home Banking Company transfer to other banks?

Does Home Banking Company have quick pay?

Does Home Banking Company accept rolled coins?

Will Home Banking Company accept loose change?

Where is Home Banking Company headquarters?

Customer Reviews for Home Banking Company

There are currently no comments for Home Banking Company. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →