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Overview / Commentary
417-924-3211
110 East Commercial
Mansfield, MO 65704

HomePride Bank is headquartered in Mansfield and is the 210st largest bank in the state of Missouri. It is also the 4,954th largest bank in the nation. It was established in 1892 and as of December of 2013, it had grown to 37 employees at 4 locations. HomePride Bank has a B health rating.

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Health

Data for Q4 2013

Institution Health

B
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. HomePride Bank has a relatively low asset base.

Texas Ratio

GRADE:
B+

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 HomePride Bank had $1.22 million in non-current loans and owned real-estate with $9.89 million in equity and loan loss allowances on hand to cover it. This gives HomePride Bank a Texas Ratio of 12.33% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B

The Texas Ratio for HomePride Bank decreased slightly from 14.46% as of December 31, 2012 to 12.33% as of December 31, 2013, resulting in a positive change of 14.72%.This indicates that the balance sheet and financial strength for HomePride Bank has improved slightly in recent periods.

Deposit Growth

GRADE:
C

In the past year, HomePride Bank has decreased its total deposits by $-808,000, resulting in -1.02% 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 HomePride Bank has shown is average.

Capitalization

GRADE:
B+

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. HomePride Bank has $91.51 million in assets with $9.89 million in equity, resulting in a capitalization level of 10.81%, which is above average.

Institution Statistics

Overall
FDIC Certificate #11466
Year Established1892
Employees37
Primary RegulatorFDIC
Assets and Liabilities
Assets$91.51 million
Loans$65.84 million
Deposits$78.10 million
Equity Capital$9.01 million
Loan Loss Allowance$881,000
Unbacked Noncurrent Loans$593,000
Real Estate Owned$626,000
Historic Data - December 2012
Assets$87.88 million
Equity Capital$8.35 million
Loan Loss Allowance$815,000
Unbacked Noncurrent Loans$593,000
Real Estate Owned$835,000
Profit Margin - Quarterly
Net Interest Margin4.5%
Return on Assets1.14%
Return on Equity11.76%
Interest Income$4.21 million
Rates

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HomePride Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.35%$25-Christmas Club Account
0.25%$100-Statement Savings Account

HomePride Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.35%$25k-Money Market Deposit

HomePride Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.15%$2,500-Personal NOW Account
0.15%$2,500-Business NOW Account

HomePride Bank CD Rates

DetailsAPYMINMAXPRODUCT
1.51%$500-60 Month CD
1.30%$500-48 Month CD
1.00%$500-36 Month CD
0.85%$500-24 Month CD
0.60%$500-18 Month CD
0.50%$500-12 Month CD
0.35%$1k-182 Day Money Market CD
0.20%$1k-91 Day Money Market CD

HomePride Bank IRA Rates

DetailsAPYMINMAXPRODUCT
0.60%$500-12 Month IRA
Locations


HomePride Bank Locations
Homepride Bank110 East CommercialMansfield, MO 65704
Seymour Branch215 North DivisionSeymour, MO 65746
Norwood Facility298 Norwood StreetNorwood, MO 65717
Fordland Branch437 West Sunset StreetFordland, MO 65652