What is a Mutual Bank?

Just like you, we think banking should make life better. Because Home Bank is a mutual, we work for the benefit of our depositors, borrowers, and communities to do just that. A mutual, or a mutual bank, is owned by its customers rather than by shareholders or investors. This structure means that our sole focus is on serving our customers and our community.

Prioritizing Customers Over Traditional Shareholders

Mutual banks make customers their top priority and make decisions with the customer as the primary focus. This includes investing in ways to improve their level of service to them. At Home Bank, another way we do this is through our gifting program. In contrast, at a traditional shareholder-owned bank, profits are distributed to shareholders as dividends or increased stock value.

Building Long-Term Relationships

One of the main benefits for a mutual bank is the opportunity to focus on building long-term relationships with its customers. Because the bank is owned by its customers, it has a vested interest in serving their needs and building trust with them.

Get in Touch with Us

If you have a question about mutual banking, feel free to contact us or give us a call at 765-342-6695. We’re happy to help!


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