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Overview / Commentary
400 South Main Street
Palmyra, MO 63461

HomeBank is headquartered in Palmyra and is the 134th largest bank in the state of Missouri. It is also the 3,585th largest bank in the nation. It was established in 1934 and as of December of 2013, it had grown to 52 employees at 3 locations. HomeBank has a A health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 HomeBank had $1.08 million in non-current loans and owned real-estate with $16.16 million in equity and loan loss allowances on hand to cover it. This gives HomeBank a Texas Ratio of 6.71% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for HomeBank decreased slightly from 7.70% as of December 31, 2012 to 6.71% as of December 31, 2013, resulting in a positive change of 12.86%.This indicates that the balance sheet and financial strength for HomeBank has improved slightly in recent periods.

Deposit Growth


In the past year, HomeBank has increased its total deposits by $1.87 million, resulting in 1.44% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth HomeBank has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. HomeBank has $159.12 million in assets with $16.16 million in equity, resulting in a capitalization level of 10.15%, which is above average.

Institution Statistics

FDIC Certificate #14492
Year Established1934
Primary RegulatorFDIC
Assets and Liabilities
Assets$159.12 million
Loans$120.06 million
Deposits$132.00 million
Equity Capital$15.02 million
Loan Loss Allowance$1.14 million
Unbacked Noncurrent Loans$826,000
Real Estate Owned$258,000
Historic Data - December 2012
Assets$157.68 million
Equity Capital$14.74 million
Loan Loss Allowance$1.07 million
Unbacked Noncurrent Loans$826,000
Real Estate Owned$299,000
Profit Margin - Quarterly
Net Interest Margin4.01%
Return on Assets1.41%
Return on Equity15.14%
Interest Income$6.78 million

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HomeBank Locations
Hannibal Branch3817 Mcmasters AvenueHannibal, MO 63401
Palmyra State Bank400 South Main StreetPalmyra, MO 63461
West Quincy BranchHighway 24West Quincy, MO 63471