Homeland Community Bank

900 North Chancery Street
Mcminnville, TN 37110

Notable Rates APY Vs.Others
Savings 0.50% 2.10% →
1-Year CD 1.70% 2.02% →
2-Year CD 1.80% 2.02% →
5-Year CD N.A. 2.02% →
30-Year Mortgage N.A. 3.03% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 3.25% →

2020 Overview

General Bank Information

Homeland Community Bank is an FDIC insured institution located in Mcminnville, TN. It was founded in 2003 and has approximately $0.15 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 57632
Date Established 2003
Assets $0.15 billion
Loans $0.11 billion
Deposits $0.14 billion
Capital $0.01 billion

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

Deposit Rates - March 30, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.60% $1,000 $9,999 Learn MoreShow Less
Money Market
0.60% $10,000 $24,999 Learn MoreShow Less
Money Market
0.60% $25,000 $49,999 Learn MoreShow Less
3 Mo CD
0.60% $500 - Learn MoreShow Less
6 Mo CD
1.25% $500 - Learn MoreShow Less

Fixed IRA
1.70% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.50% $500 - Learn MoreShow Less

Loan Rates - March 30, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Homeland Community Bank

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

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
5.000 %
$0 Learn More
More Info

Note to Homeland Community Bank
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Homeland Community Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Homeland Community Bank Locations

Financial Details

Homeland Community Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Homeland Community Bank. 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
Homeland Community Bank U.S. Bank Average
21.46% 6.70%

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 September 30, 2019, Homeland Community Bank had $2,277,000 in non-current loans and $1,048,000 in owned real estate. To cover these potential losses it had $14,184,000 in equity and $1,307,000 in loans loss reserves. That gives it a Texas Ratio of 21.46%.

Return on Equity
Homeland Community Bank U.S. Bank Average
10.28% 9.72%

Homeland Community Bank has a Return on Equity of 10.28% versus the BestCashCow average of 9.72%. 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.

Homeland Community Bank U.S. Bank Average
9.34% 12.89%

Homeland Community Bank has a Capitalization of 9.34% versus the BestCashCow average of 12.89. 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.

Homeland Community Bank Balance Sheet Analysis

As of September 30, 2019, Homeland Community Bank had assets of $151,931,000, loans of $105,527,000, and deposits of $136,212,000. 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

September 30, 2019
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.03 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.11 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.14 billion
Total deposits $0.14 billion
      Interest-bearing deposits $0.11 billion
      Deposits held in domestic offices $0.14 billion
      % insured (estimated) 82.40%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.14 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

September 30, 2019
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Homeland Community Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Construction and Development Loans.

Compared to other banks, Homeland Community Bank’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 33.23
Credit Card Loans 0.00
Consumer Auto Loans 2.13
Small Business Loans 0.00
Construction and Development Loans 12.48
Commercial Real Estate 28.64
Commercial and Industrial Loans 10.60
Farm Loans 3.79

Frequently Asked Questions About Homeland Community Bank

Branches and Savings

Is Homeland Community Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57632.

Why does Homeland Community Bank pay such low interest on savings accounts?

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

Why are Homeland Community Bank CD rates not competitive?

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

Is Homeland Community Bank a commercial bank?


Where are Homeland Community Bank locations?

See branch locations nearby.

Is Homeland Community Bank open on Saturdays?

Is Homeland Community Bank open on Sundays?

What time does Homeland Community Bank open?

What time does Homeland Community Bank close?

Are Homeland Community Bank ATMs Open 24/7?

Do Homeland Community Bank ATMs accept cash deposits?

Can Homeland Community Bank customers use other ATMs?

Do Homeland Community Bank branches have notaries?

Will Homeland Community Bank notarize my document?

What address for Homeland Community Bank should I put for incoming ACH transfers?

Will the Homeland Community Bank branch print checks?

Do Homeland Community Bank checks expire?

Does Homeland Community Bank require US citizenship to open account?

Can Homeland Community Bank close my account?

Does Homeland Community Bank Report to credit bureaus?

Does Homeland Community Bank Use Equifax?

What is Homeland Community Bank's ACH Routing Number?

What is Homeland Community Bank's SWIFT code?


Does Homeland Community Bank offer mortgages?

Compare mortgage rates here.

Does Homeland Community Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Homeland Community Bank offer personal loans?

Compare personal loan rates here.

Does Homeland Community Bank offer student loans?

Will Homeland Community Bank cash a check?

Will Homeland Community Bank redeem a savings bond?

Does Homeland Community Bank cash savings bonds?

Will Homeland Community Bank cash money orders?

Can Homeland Community Bank issue a money order?

Does Homeland Community Bank do currency exchange?

Background on The Bank

Who owns Homeland Community Bank?

How long has Homeland Community Bank been around?

Can Homeland Community Bank transfer to other banks?

Does Homeland Community Bank have quick pay?

Does Homeland Community Bank accept rolled coins?

Will Homeland Community Bank accept loose change?

Where is Homeland Community Bank headquarters?

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