Nobody likes tricks when it comes to banking, which is why HomeTown Bank focuses on the “treats” that distinguish us as trusted lenders and keep our customers happy.

We bank the old-fashioned way with today’s conveniences everyone has come to expect—one customer, one loan at a time. It’s been our philosophy since the bank’s founding in 1924, and it continues to help us serve the unique needs of our customers today.

Community Banking TreatsCommunity banks’ relationship-based focus has made us America’s favorite lenders, with approval ratings from borrowers that exceed those of megabanks and online lenders, according to a Federal Reserve small business credit survey.

It is not just proximity that wins repeat business, however. Unlike credit unions and the Farm Credit System, HomeTown Bank effectively serves both individuals of modest means and agricultural borrowers without taxpayer-funded subsidies.

We put our tax dollars to work in the communities we serve, helping to support local police and fire departments, schools, and other municipal services. And HomeTown Bank helps fortify our community through philanthropic outreach and civic service. It’s what we like to call – HomeTown Heart.

The treats don’t end there. Nearly one in three U.S. counties are only served by a community bank, and community banks have a track record of helping underserved Americans by providing greater flexibility to low-income and minority borrowers.  It’s the community banking way

In fact, community banks fund more than 60% of the nation’s small businesses, which account for 62% of net new U.S. jobs annually. And we fund more than 80 percent of agriculture loans.

We won’t disguise tricks as treats or leave customers holding the bag during times of need. Our fates are linked, so when good things happen for you, HomeTown Bank and our community win as well. That’s the community banking difference, and it’s pretty sweet.

Interested in hearing more about how HomeTown Bank is different? Let’s have a conversation about your needs and wants, and how we can help you achieve those today. With local lenders, local decisions and quick processes, we guarantee HomeTown Bank is full of treats.