Local people. Local decisions. Local commitment. Local investment.

At HomeTown Bank we believe the success of our customers leads to a strong community, which benefits all of us. Our customer deposits are invested directly into local businesses and real estate loans that help our local economy. One of the key reasons you should consider banking with us, is that local people who understand you and your business make all of the decisions concerning your needs. Decisions are made on more than just numbers. They're made based on sound financial principles measured by local community needs.
Consult with our experienced lenders to find financing options as well as a variety of commercial services to fit your business needs. Our lenders will quickly respond to your application, set up flexible repayment schedules that work with your cash flow, and offer you easy access to your credit. You can even transfer funds by phone and, soon, on-line.

Commercial Properties

A commercial Real Estate loan from HomeTown Bank can be used to refinance or purchase commercial property, construct a new facility, or expand/remodel your current facilities. Whatever your need, we can work with you.

  • Terms and conditions that work with your personal cash flow.
  • Amortizations of up to 25 years.
  • Interest rates fixed up to 5 years.
  • Low closing costs.
  • Competitive rates.

Equipment Loans

Let HomeTown Bank assist you with all of your business equipment financing needs. Whether your business requires specialized equipment, office equipment, or fixtures, let HomeTown Bank customize a loan tailored for your business.

  • Typical loan repayment terms of up to 60-month amortizations.
  • Flexible terms are available.
  • Payments can be set up on a monthly, quarterly or semi-annual basis.
  • Competitive rates.

Working Capital

HomeTown Bank offers revolving lines of credit to help even out your business cash flow. Let us help you finance inventory, accounts receivables, help keep payables current, or manage payroll. This gives you the opportunity to control your business finances your way.

  • Loan maturities up to one-year term.
  • Revolving line is accessible anytime during the year.
  • Competitive rates.

SBA Loans

HomeTown Bank participates with the U.S. Small Business Administration (SBA) to fund the needs of small businesses when financing is unavailable on reasonable terms through normal lending programs. SBA loan programs that the HomeTown Bank participates in are the SBA 504 Program, Basic 7(a), and SBA Express. 504 loans provide long term, fixed rate financing for major fixed assets such as land and buildings. The 7(a) Loan Program can be used to purchase machinery and equipment, real estate property, inventory and/or to purchase an existing business. SBA Express loans are typically used for loans under $350,000.