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Overview / Commentary
110 East Commercial
Mansfield, MO 65704

HomePride Bank is headquartered in Mansfield and is the 205th largest bank in the state of Missouri. It is also the 4,831st largest bank in the nation. It was established in 1892 and as of March of 2014, it had grown to 37 employees at 4 locations. HomePride Bank has a B+ health rating.

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Data for Q1 2014

Institution Health

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


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 HomePride Bank had $1.13 million in non-current loans and owned real-estate with $10.13 million in equity and loan loss allowances on hand to cover it. This gives HomePride Bank a Texas Ratio of 11.18% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for HomePride Bank decreased slightly from 13.65% as of March 31, 2013 to 11.18% as of March 31, 2014, resulting in a positive change of 18.05%.This indicates that the balance sheet and financial strength for HomePride Bank has improved slightly in recent periods.

Deposit Growth


In the past year, HomePride Bank has increased its total deposits by $3.96 million, resulting in 4.98% 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 excellent.



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 $96.11 million in assets with $10.13 million in equity, resulting in a capitalization level of 10.54%, which is above average.

Institution Statistics

FDIC Certificate #11466
Year Established1892
Primary RegulatorFDIC
Assets and Liabilities
Assets$96.11 million
Loans$67.11 million
Deposits$83.41 million
Equity Capital$9.24 million
Loan Loss Allowance$896,000
Unbacked Noncurrent Loans$663,000
Real Estate Owned$470,000
Historic Data - March 2013
Assets$88.54 million
Equity Capital$8.56 million
Loan Loss Allowance$835,000
Unbacked Noncurrent Loans$663,000
Real Estate Owned$745,000
Profit Margin - Quarterly
Net Interest Margin4.42%
Return on Assets0.71%
Return on Equity7.32%
Interest Income$1.07 million

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HomePride Bank Savings Account Rates

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

HomePride Bank Money Market Rates

0.35%$25k-Money Market Deposit

HomePride Bank Checking Account Rates

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

HomePride Bank CD Rates

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

0.60%$500-12 Month IRA

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