Question 1

What is Homeland Community Bank?

Accepted Answer

Homeland Community Bank is a locally owned and operated independent community bank based in Warren County, Tennessee. Founded to provide modern banking services with a local perspective, the bank specializes in serving small and medium-sized businesses, the real estate industry, professionals, and consumers throughout central Tennessee.

With approximately $247 million in total assets and 4 branch locations, Homeland Community Bank operates as a state-chartered commercial bank with a commercial lending specialization. The bank is FDIC-insured and regulated by the Federal Deposit Insurance Corporation.

Question 2

When was Homeland Community Bank founded?

Accepted Answer

Homeland Community Bank was organized and founded in 2003 by a group of Warren County business persons who envisioned a different kind of banking institution. The founding directors included Keith Bouldin, David Bratcher, David Bryan, Jeff Flatt, Ray Talbert, and Ronnie Wilson.

The founders aimed to recreate the close, personal banking relationships that existed in years past while offering a complete selection of modern banking services. Their vision was to establish a bank where friends and neighbors would feel like family, with all decisions made by local people within the community.

Question 3

Where is Homeland Community Bank headquartered?

Accepted Answer

Homeland Community Bank is headquartered in McMinnville, Tennessee, located in Warren County. The main office is situated at 900 North Chancery Street, McMinnville, TN 37110.

McMinnville is positioned approximately 75 miles southeast of Nashville, serving as the banking hub for Warren County and surrounding areas in central Tennessee.

Question 4

Where does Homeland Community Bank operate?

Accepted Answer

Homeland Community Bank operates four branch locations across central Tennessee:

Warren County:
• Main Office in McMinnville (900 N Chancery Street) - opened 2003
• Morrison Branch (150 East Railroad Street) - opened 2004
• Mt. Leo Branch in McMinnville (807 Beersheba Street) - opened 2007

Cannon County:
• Woodbury Branch (1528 John Bragg Highway) - opened 2021

The bank primarily serves Warren County and Cannon County, focusing on providing community banking services to residents and businesses within the McMinnville micropolitan statistical area.

Question 5

What services does Homeland Community Bank offer?

Accepted Answer

Homeland Community Bank provides a comprehensive range of personal and commercial banking services:

Personal Banking:
• Checking and savings accounts
• Certificates of deposit
• Personal loans and mortgage loans
• Safe deposit boxes

Business Banking:
• Business checking accounts
• Commercial and industrial loans
• Real estate lending
• Equipment financing

Digital Banking:
• Mobile banking app for iOS and Android devices
• Online banking with 24/7 access
• Mobile deposit capture for personal checking accounts
• Bill pay services
• Electronic statements (e-Statements)
• 24-hour telebanking system
• Fund transfers between accounts

Security Features:
• FraudWatch® Plus monitoring for fraud detection
• Encrypted data transmission
• Travel notification services for debit cards

The bank emphasizes providing modern digital capabilities while maintaining personalized local service with approximately 35 employees.

Question 6

What makes Homeland Community Bank unique?

Accepted Answer

Homeland Community Bank distinguishes itself through its commitment to truly local, independent community banking. Unlike larger regional or national banks, all decisions are made locally by people within the community—the board of directors, officers, and staff are all local residents who are actively involved in Warren County.

The bank maintains a relationship-focused approach, emphasizing personal connections where customers interact with friends and neighbors rather than distant corporate representatives. This philosophy reflects the founders' original vision to recreate traditional community banking relationships.

As an independent institution not owned by a larger banking conglomerate, Homeland Community Bank has the flexibility to tailor services to the specific needs and preferences of the local area. The bank's mission explicitly focuses on being "Warren County's premier independent community bank," demonstrating a geographically concentrated commitment rather than pursuing expansion for growth's sake.

The bank expanded its board in January 2024, adding Stanley "Butch" Bullen and Sarah Cantrell as directors, reflecting its ongoing commitment to local leadership and community involvement.

Question 7

What type of financial institution is Homeland Community Bank?

Accepted Answer

Homeland Community Bank is a state-chartered commercial bank with a commercial lending specialization. It operates as a commercial bank under Tennessee state banking regulations and is supervised by the FDIC.

The bank is not a member of the Federal Reserve System and does not operate as an S-Corporation. It does not exercise fiduciary powers. As a commercial bank, Homeland Community Bank focuses on accepting deposits, making loans, and providing banking services to both individual consumers and businesses.

The institution's commercial lending specialization indicates that a significant portion of its loan portfolio consists of commercial and industrial loans to businesses, alongside real estate lending and consumer loans. This classification reflects the bank's strategic focus on serving small and medium-sized businesses in its market area while also providing comprehensive retail banking services to individual customers.

Homeland Community Bank

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About Homeland Community Bank in the United States