Homeland Community Bank
Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.7 has resulted in Fair (3.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.7 percent of nonperforming loans to core capital combined with 7.0 percent from a year earlier contributes to the Good asset quality (6.9). Good current capitalization (6.1 on a scale of 0 to 10) based on a risk-based capital ratio of 14.3 and a capital leverage ratio of 8.1.
Asset Mix:
Securities (32%), home mtgs (22%), comm re (14%), comm loans (9%), cash (6%), consumer loans (2%), other (15%)
States with Branches:
TN
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Homeland Community Bancorp, Inc
Investment Rating
--
Address
900 North Chancery Street
McMinnville, TN 37110
McMinnville, TN 37110
Phone Number
(931) 507-1422
Year Founded
2003
FDIC Number
Website
Largest Affiliates
No affiliate information available.