What are the current interest rates at HomeBank?

Current rates for HomeBank include: 12-Month CD: 1.26%, 18-Month CD: 1.31%, 24-Month CD: 1.41%, 36-Month CD: 1.51%, 48-Month CD: 1.51%, 60-Month CD: 1.51%, Savings: 0.65%, MMA: 1.16%

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HomeBank Rates & Review October 2026

Q: How many branches does HomeBank operate?

HomeBank currently maintains approximately 9 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, HomeBank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, HomeBank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

HomeBank's top rates as of October 14, 2026 are 4.11% APY on its 14-Months Certificate of Deposit - 14-Month Special, 0.65% APY on savings, 1.16% APY on money market accounts, 2.33% APY on checking, and 7.498% on its 15-Year Fixed Mortgage, according to rates verified by MonitorBankRates. Other HomeBank CD rates include 14-Months IRA Certificate of Deposit - 14-Month Special at 4.11%, 8-Months Certificate of Deposit - 8-Month Special at 4.06%, and 8-Months IRA Certificate of Deposit - 8-Month Special at 4.06%. MonitorBankRates evaluates the financial stability of HomeBank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.67%. Rates last updated and verified on 10/14/2026.

HomeBank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at HomeBank? Share your experience about HomeBank by leaving a review below, or read customer reviews before you decide to use HomeBank.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.67%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

HomeBank

400 S Main St
Palmyra, MO 63461

https://www.myhomebank.bank

Customer Reviews

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

HomeBank CD Rates

Product	Rate	APY	Term
Certificate of Deposit - 14-Month Special	4.05%	4.11%	14 months
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.11% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
IRA Certificate of Deposit - 14-Month Special	4.05%	4.11%	14 months
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 4.11% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
Certificate of Deposit - 8-Month Special	4.00%	4.06%	8 months
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.06% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
IRA Certificate of Deposit - 8-Month Special	4.00%	4.06%	8 months
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 4.06% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
Certificate of Deposit - 60 month	2.00%	2.02%	60 months
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 2.02% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
Certificate of Deposit - 48 month	1.75%	1.76%	48 months
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.76% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
Certificate of Deposit - 30 month	1.50%	1.51%	30 months
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.51% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
Certificate of Deposit - 36 month	1.50%	1.51%	36 months
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.51% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
IRA Certificate of Deposit - 36 month	1.50%	1.51%	36 months
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.51% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
IRA Certificate of Deposit - 48 month	1.50%	1.51%	48 months
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.51% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
IRA Certificate of Deposit - 60 month	1.50%	1.51%	60 months
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.51% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
Certificate of Deposit - 24 month	1.40%	1.41%	24 months
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.41% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
IRA Certificate of Deposit - 24 month	1.40%	1.41%	24 months
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.41% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
Certificate of Deposit - 18 month	1.30%	1.31%	18 months
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.31% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
Certificate of Deposit - 12 month	1.25%	1.26%	12 months
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.26% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
Certificate of Deposit - 6 month	1.25%	1.26%	6 months
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.26% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
IRA Certificate of Deposit - 12 month	1.25%	1.26%	12 months
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.26% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
Certificate of Deposit - 3 month	1.15%	1.16%	3 months
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.16% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%

HomeBank Savings Rates

Product	Rate	APY
IRA Certificate of Deposit - Time Open Savings	1.15%	1.16%
Min Deposit $50 Min Balance $50 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 1.16% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
CHRISTMAS CLUB	0.65%	0.65%
Min Deposit $5 Min Balance $5 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.65% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
SUMMER SAVINGS	0.65%	0.65%
Min Deposit $5 Min Balance $5 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.65% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
SUPREME SAVINGS	0.55%	0.55%
Min Deposit $500 Min Balance $500 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.55% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
HEALTH SAVINGS ACCOUNT	0.45%	0.45%
Min Balance $25,000 Details Balance: $25,000.00 + Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
BASIC SAVINGS	0.40%	0.40%
Min Deposit $50 Min Balance $50 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
HEALTH SAVINGS ACCOUNT	0.35%	0.35%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
HEALTH SAVINGS ACCOUNT	0.25%	0.25%
Min Deposit $50 Min Balance $50 Details Balance: $50.00 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%

HomeBank Money Market Rates

Product	Rate	APY
MONEY MARKET	1.00%	1.00%
Min Balance $200,000 Details Balance: $200,000 + Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
MONEY MARKET	0.70%	0.70%
Min Balance $100,000 Details Balance: $100,000 - $199,999.99 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.70% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
MONEY MARKET	0.60%	0.60%
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
MONEY MARKET	0.45%	0.45%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
MONEY MARKET	0.35%	0.35%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
MONEY MARKET	0.30%	0.30%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%

HomeBank Business Money Market Rates

Product	Rate	APY
Business Money Market	1.15%	1.16%
Min Balance $200,000 Details Balance: $200,000 + Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.16% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
Business Money Market	1.00%	1.00%
Min Balance $100,000 Details Balance: $100,000 - $199,999.99 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
Business Money Market	0.80%	0.80%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 0.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
Business Money Market	0.55%	0.55%
Min Balance $25,000 Details Balance: $25,000 - $49.999.99 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
Business Money Market	0.50%	0.50%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
Business Money Market	0.45%	0.45%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%

HomeBank Checking Rates

Product	Rate	APY
E-PREMIER CHECKING	2.30%	2.33%
Min Deposit $50 Min Balance $0 Details Balance: $0.01 - $25,000.00 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 2.33% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
Heroes Checking	2.30%	2.33%
Min Deposit $50 Min Balance $0 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 2.33% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
PREFERRED NOW CHECKING	0.30%	0.30%
Min Balance $2,500 Details Balance: $2,500.00 and over Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
PREFERRED NOW CHECKING	0.25%	0.25%
Min Deposit $500 Min Balance $500 Details Balance: $500.00 - $2,499.99 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%

HomeBank Business Checking Rates

Product	Rate	APY
Business Non-Profit Checking	1.15%	1.16%
Min Deposit $100 Min Balance $0 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.16% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
Business Interest Checking	1.00%	1.00%
Min Deposit $100 Min Balance $0 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%

HomeBank Mortgage Rates

Product	Rate	Points	APR	Term	View More
15-Year Fixed Mortgage	-	-	7.498%	15-Year
Details Effective October 14, 2026; Qualifications Apply Last Updated 10/14/2026 Rate History 3 changes since Sep 15, 2026 · 6.87% → 7.50% ▲ 0.63 pts · high 7.50% / low 6.87% Oct 14, 20267.50%▲ from 7.12%* Sep 24, 20267.12%▲ from 7.00% Sep 19, 20267.00%▲ from 6.87% Sep 15, 20266.87%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%

HomeBank Other Rates

Product	Rate	Points	APY/APR
Business Super Money Fund	1.55%	-	1.56%
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000.00 - $24,999.99 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.56% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
Business Super Money Fund	1.60%	-	1.61%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.61% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
Business Super Money Fund	1.70%	-	1.71%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.71% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
Business Super Money Fund	1.95%	-	1.97%
Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.97% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
Business Super Money Fund	2.45%	-	2.48%
Min Balance $200,000 Details Balance: $200,000.00 - $499,999.99 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 2.48% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
Business Super Money Fund	3.00%	-	3.05%
Min Balance $500,000 Details Balance: $500,000 + Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
ICS Business Interest Reserves	3.00%	-	3.05%
Min Deposit $2,500,000 Min Balance $2,500,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
PERSONAL SUPER MONEY FUND	1.55%	-	1.56%
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000.00 - $24,999.99 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.56% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
PERSONAL SUPER MONEY FUND	1.60%	-	1.61%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.61% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
PERSONAL SUPER MONEY FUND	1.70%	-	1.71%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.71% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
PERSONAL SUPER MONEY FUND	1.95%	-	1.97%
Min Balance $100,000 Details Balance: $100,000.00 - $199,000.00 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.97% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
PERSONAL SUPER MONEY FUND	2.45%	-	2.48%
Min Balance $200,000 Details Balance: $200,000.00 - $499,999.99 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 2.48% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%
PERSONAL SUPER MONEY FUND	3.00%	-	3.05%
Min Balance $500,000 Details Balance: $500,000.00 + Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.67%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

HomeBank’s Texas Ratio rose from 0.58% in Q3 2023 to 2.67% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$733M	2.67%	5.0	A+
March 31, 2026	$727M	4.99%	5.0	A+
December 31, 2025	$712M	5.38%	5.0	A+
September 30, 2025	$664M	5.57%	5.0	A+
June 30, 2025	$653M	6.20%	5.0	A
March 31, 2025	$659M	14.40%	5.0	A-
December 31, 2024	$652M	7.16%	5.0	A
September 30, 2024	$636M	0.21%	5.0	A+
June 30, 2024	$626M	0.40%	5.0	A+
March 31, 2024	$582M	0.36%	5.0	A+
December 31, 2023	$582M	0.49%	5.0	A+
September 30, 2023	$572M	0.58%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for HomeBank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather HomeBank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with HomeBank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name HomeBank

Bank Holding Company BYRON B WEBB INC

Address 400 S Main St, Palmyra, MO 63461 · Marion

Website https://www.myhomebank.bank

FDIC Certificate # 14492

Established 19340601

FDIC Insurance Date 19340620

Domestic Offices 9

Total Branches 9

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.67%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 2.1208%

Return on Equity (ROE) 22.9100%

Non-Performing Loans (NPL) 0.25%

Total Assets $733,311,000

Total Deposits $604,268,000

Equity Capital $68,776,000

Net Income $7,678,000

Headquarters Palmyra

Total Branches and Offices 9

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

HomeBank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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       width="160" height="160">
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Customer Reviews

There are no reviews for HomeBank yet. Feel free to create one below.

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for HomeBank

Frequently Asked Questions About HomeBank

How many branches does HomeBank operate?

HomeBank currently maintains approximately 9 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, HomeBank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, HomeBank provides members with tools to manage their accounts and build a solid financial history.

Does HomeBank offer online and mobile banking?

Most modern institutions like HomeBank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.myhomebank.bank.

Current HomeBank Rates

12-Month CD1.26%
18-Month CD1.31%
24-Month CD1.41%
36-Month CD1.51%
48-Month CD1.51%
60-Month CD1.51%
Savings0.65%
MMA1.16%

Retrieved from our database of financial products. Rates subject to change.

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HomeBank Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

HomeBank Texas Ratio

HomeBank Health Trend

HomeBank CD Rates

HomeBank Savings Rates

HomeBank Money Market Rates

HomeBank Business Money Market Rates

HomeBank Checking Rates

HomeBank Business Checking Rates

HomeBank Mortgage Rates

HomeBank Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financial Health & Assets

HomeBank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About HomeBank

How many branches does HomeBank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does HomeBank offer online and mobile banking?

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