Hometown Bank (MO)

312 West Central
Carthage, MO 64836
417-358-0002
www.ehometownbank.com

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Hometown Bank (MO) is headquartered in Carthage and is the 118^st largest bank in the state of Missouri. It is also the 3,382^nd largest bank in the nation. It was established in 1998 and as of March of 2012, it had grown to 75 employees at 7 locations. Hometown Bank (MO)'s savings rates are 3X the national average, and it has a 3-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Hometown Bank (MO) Checking Account Rates

Apy	Min	Max	Product
0.10%	$100	-	Premier Checking
0.05%	$100	-	Hometown Interest Checking

Hometown Bank (MO) Savings Account Rates

Apy	Min	Max	Product
1.67%	$20k	-	5 Year HSA CD
1.26%	$20k	-	4 Year HSA CD
1.01%	$20k	-	3 Year HSA CD
0.75%	$20k	-	30 Month HSA CD
0.70%	$20k	-	2 Year HSA CD
0.70%	$20k	-	25 Month HSA CD
0.65%	$20k	-	18 Month HSA CD
0.65%	$20k	-	20 Month HSA CD
0.60%	$20k	-	15 Month HSA CD
0.50%	-	-	Health Savings Account
0.50%	$20k	-	1 Year HSA CD
0.40%	$20k	-	9 Month HSA CD
0.40%	$20k	-	10 Month HSA CD
0.35%	$20k	-	6 Month HSA CD
0.35%	$20k	-	7 Month Add-On HSA CD
0.30%	$20k	-	5 Month HSA CD
0.15%	$20k	-	3 Month HSA CD
0.10%	$100	-	Savings Account
0.10%	-	-	Christmas Club Account

Hometown Bank (MO) Money Market Rates

	Apy	Min	Max	Product
	0.50%	$500k	-	Business Money Market Savings

Hometown Bank (MO) CD Rates

Apy	Min	Max	Product
1.67%	$20k	-	5 Year CD
1.26%	$20k	-	4 Year CD
1.01%	$20k	-	3 Year CD
0.75%	$20k	-	30 Month CD
0.70%	$20k	-	2 Year CD
0.70%	$20k	-	25 Month CD
0.65%	$20k	-	18 Month CD
0.65%	$20k	-	20 Month CD
0.60%	$20k	-	15 Month CD
0.50%	$20k	-	1 Year CD
0.40%	$20k	-	9 Month CD
0.40%	$20k	-	10 Month CD
0.35%	$20k	-	6 Month CD
0.35%	$20k	-	7 Month Add-On CD
0.30%	$20k	-	5 Month CD
0.15%	$20k	-	3 Month CD

Hometown Bank (MO) IRA Rates

Apy	Min	Max	Product
1.67%	$20k	-	5 Year Roth IRA CD
1.67%	$20k	-	5 Year Education IRA CD
1.26%	$20k	-	4 Year Roth IRA CD
1.26%	$20k	-	4 Year Education IRA CD
1.01%	$20k	-	3 Year Roth IRA CD
1.01%	$20k	-	3 Year Education IRA CD
0.75%	$20k	-	30 Month Roth IRA CD
0.75%	$20k	-	30 Month Education IRA CD
0.70%	$20k	-	2 Year Roth IRA CD
0.70%	$20k	-	25 Month Roth IRA CD
0.70%	$20k	-	2 Year Education IRA CD
0.70%	$20k	-	25 Month Education IRA CD
0.65%	$20k	-	18 Month Roth IRA CD
0.65%	$20k	-	20 Month Roth IRA CD
0.65%	$20k	-	18 Month Education IRA CD
0.65%	$20k	-	20 Month Education IRA CD
0.60%	$20k	-	15 Month Roth IRA CD
0.60%	$20k	-	15 Month Education IRA CD
0.50%	$20k	-	1 Year Roth IRA CD
0.50%	$20k	-	1 Year Education IRA CD
0.40%	$20k	-	9 Month Roth IRA CD
0.40%	$20k	-	10 Month Roth IRA CD
0.40%	$20k	-	9 Month Education IRA CD
0.40%	$20k	-	10 Month Education IRA CD
0.35%	$20k	-	6 Month Roth IRA CD
0.35%	$20k	-	7 Month Add-On Roth IRA CD
0.35%	$20k	-	6 Month Education IRA CD
0.35%	$20k	-	7 Month Add-On Education IRA CD
0.30%	$20k	-	5 Month Roth IRA CD
0.30%	$20k	-	5 Month Education IRA CD
0.15%	$20k	-	3 Month Roth IRA CD
0.15%	$20k	-	3 Month Education IRA CD

Rates updated: 5/25/2012

Data for Q1 2012

Institution Statistics

Hometown Bank, National Association
FDIC Certificate #	34727
BankRate Report	View
Year Established	1998
Employees	75
Primary Regulator	OCC
Assets and Liabilities
Assets	$180.78 million
Loans	$105.90 million
Deposits	$149.61 million
Equity Capital	$19.66 million
Loan Loss Allowance	$5.11 million
Unbacked Noncurrent Loans	$3.79 million
Real Estate Owned	$8.21 million
Historic Data - March 2011
Assets	$191.61 million
Equity Capital	$19.13 million
Loan Loss Allowance	$6.82 million
Unbacked Noncurrent Loans	$16.33 million
Real Estate Owned	$7.39 million
Profit Margin - Quarterly
Net Interest Margin	4.26%
Return on Assets	1.12%
Return on Equity	10.44%
Interest Income	$1.95 million

Institution Health

Overall Score:

3 out of 5

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 March 31, 2012 Hometown Bank (MO) had $12 million in non-current loans and owned real-estate with $24.76 million in equity and loan loss allowances on hand to cover it. This gives Hometown Bank (MO) a Texas Ratio of 48.44% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Hometown Bank (MO) decreased significantly from 82.72% as of March 31, 2011 to 48.44% as of March 31, 2012, resulting in a positive change of 41.44%.This indicates that the balance sheet and financial strength for Hometown Bank (MO) has improved significantly in recent periods.
Deposit Growth
In the past year, Hometown Bank (MO) has decreased its total deposits by -$9.89 million, resulting in -6.2% 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 Hometown Bank (MO) has shown is poor.
Capitalization
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. Hometown Bank (MO) has $180.78 million in assets with $24.76 million in equity, resulting in a capitalization level of 13.70%, which is excellent.

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