We understand that changes to your bank can be confusing and frustrating. We’re committed to communicating any changes that will be taking place as soon as they are confirmed. As we prepare to fully welcome United Community Bank customers and associates to the Hometown Bank family, we have prepared the following frequently asked questions (FAQs) for our customers and communities.



In June 2018, Hometown Bank announced its intent to acquire United Community Bank. While the acquisition has not officially taken place, we estimate it will take six to nine months for United Community Bank to fully transition to Hometown Bank. In the meantime, both banks will continue to operate just as they have in the past.

Shortly after regulatory and shareholder approvals are received, we will move into the transaction (sometimes called the “close”) phase of the merger where United Community Bank will begin operating as a wholly owned subsidiary of Hometown Bancorp, Ltd. We anticipate this will happen in the fall of 2018.

The final phase of the merger process is the conversion, when United Community Bank accounts will be converted to accounts with Hometown Bank. During the conversion phase, we will work closely with United Community Bank staff on the data conversion, after which time United Community Bank will officially become Hometown Bank.

This FAQ resource is intended to provide you with answers to some of the questions you may have at this early stage of the transaction. We will provide additional information in the coming weeks and months as we progress through the various phases of the merger. We invite you to subscribe here to receive real time updates directly in your inbox.

Why is Hometown Bank acquiring United Community Bank?

Growth is a sign of promise, progress and opportunity. Growing our bank collectively allows us to better serve our customers and communities with increased capacity and improved capabilities.

As part of our growth strategy, we have an interest in acquiring other strong, healthy banks that are culturally matched to Hometown Bank.

Because of our mutual financial strengths and solid operating performances, we have chosen to enter into this opportunity for the long-term good of both organizations' employees, shareholders and communities.

Successfully fulfilling our growth strategy relies on finding a bank that would:

  • Match our organization's culture.
  • Share our commitment to community banking and the local communities we serve.
  • Allow us to extend more of our product offerings in consumer, mortgage and business banking.
  • Increase our scale and lending limit.
  • Demonstrate a long-term track record of conservative growth and superior financial strength.

We believe this merger with United Community Bank successfully meets all these criteria. By welcoming United Community Bank into the Hometown Bank family, we will be able to provide our collective customers access to greater financial resources and lending strength along with an expanded network of branches in Fond du Lac (2), Appleton, St. Cloud, Neshkoro, Redgranite and Wautoma.

As our bank continues to grow and evolve, we remain committed to retaining our signature Hometown culture and customer service.

How is this different from the changes United Community Bank went through in 2015?

In 2015, two sister banks, Bank of Poynette and Cambridge State Bank, completed their merger to form United Community Bank. Ownership of the banks did not change. The current transaction involves the sale of the entity and merger into Hometown Bank.  

Who is Hometown Bank?

Hometown Bank was founded more than a century ago.

Since that time, we've focused on delivering the genuine, personal service of a community bank. Over the years, we've also grown to provide the strength of a full service financial institution.

We work to earn our customers’ business every day. The decisions we make for our customers are based on the personal relationships we develop with them, rather than a rigid set of rules predetermined at a national headquarters.

We are proud to be a true community bank, with seven convenient branches. Being a community bank means we take pride and pleasure in giving back to the families and the organizations we partner with.

In today's overcrowded financial marketplace, banking options have become too numerous to mention. We've grown to know the businesses and the people in the area, and our growth has allowed us to invest in the future. Hometown Bank offers simplicity and sophistication, from savings to checking, mortgages to investments, business services to technology.


You can learn more about Hometown Bank at HTBWI.com

What does this mean for employees and customers?

Our utmost priority is to plan a secure, smooth and seamless transition. Employees will continue to deliver the same uncompromised service and commitment to the communities they have served as members of the United Community Bank team. The people and partners that you have come to know and trust at each of the four United Community Bank branch locations will continue to work with you as they have in the past. 


  • Employees and their customers will see a wider array of products, which may be slightly different or enhanced variations of the products used today.
  • A wider network of banking centers will be available for our combined customers after the conversion.
  • We will create a seamless integration plan to welcome United Community Bank employees to the Hometown Bank team as they continue to serve and assist customers during the transition.
  • Our increased size and scale will provide increased lending limits for our collective customer base.

Will this merger affect customer access to banking locations?

United Community Bank customers will have greater access to banking resources, with branches located in Fond du Lac (2), Appleton, St. Cloud, Neshkoro, Redgranite, and Wautoma.

Will branches close?

No branch closures are expected as part of the timeline associated with the purchase and merger of United Community Bank.

Can I go to a Hometown Bank for banking transactions?

For services related to your United Community Bank accounts, continue to use United Community Bank branches until conversion in early 2019. Furthermore, we ask that you continue to use your existing checks, deposit slips, ATM, mobile and online banking resources. As we approach conversion, you will learn more about any changes to your accounts and products. Rest assured, you’ll have all the information you need in advance of the conversion.

Yes. Please continue using your checks, ATM, debit and credit cards. When we reach the conversion phase of the merger you will receive updated information on how your checks will be handled and new cards that will be issued.

Should I continue using my checks, ATM, debit and credit cards?

Please continue making your payments as you currently do today. When we reach the conversion phase of the merger, you will receive additional information on the servicing of your mortgage.  Be assured that the rate and terms of your mortgage will not change through its current maturity date.  

What will happen to my mortgage?

We encourage you to work with your current and trusted United Community Bank relationship managers. They will integrate with Hometown’s team to ensure a smooth transition for you and your business. 

We look forward to complementing your business banking experience with many enhanced capabilities.

Hometown Bank has a full suite of Treasury and Cash Management solutions. We will provide you with more details on our entire line of business banking services when we enter the conversion phase of our merger. Look for these products and services to be a tool to streamline processes and provide additional security.

As a business customer, will my relationship management team change?

As a community bank, we value the need to participate in our local communities in both financial and time commitments. Hometown Bank and United Community Bank both play an active role in supporting the health of our communities and will continue this commitment in the markets the combined banks will serve. 

Will Hometown Bank continue to support our community donations and initiatives?

Having just announced our intention to merge organizations, we are currently in the early phases of the acquisition. Work will begin to secure approval from state and federal regulators to combine our two organizations. 

Pending regulatory approval, we will move into the transaction/close phase of the merger. Once the transaction is closed, United Community Bank will operate as a wholly owned subsidiary of Hometown Bancorp, Ltd for a period of time.

Simultaneous to the formal merger request from regulatory agencies, work will begin on the conversion phase of our merger. We anticipate conversion to be complete in late January 2019. A date will be announced for the merging of the United Community Bank customer data into Hometown Bank’s systems. During the conversion phase, we will also begin changing United Community Bank signage and branding at their offices.

For more information, please explore the timeline.

When will United Community Bank become part of Hometown Bank?

To ensure a seamless transition, we will continue to keep you up-to-date by sending information regarding changes and progress toward becoming one fully integrated bank. Details will include important information about your United Community Bank accounts and what you can expect from Hometown Bank. You can expect to receive additional letters, a Welcome Guide and/or emails from us with more details as we move toward conversion in early 2019. In the meantime, you can find the latest information here at HTBWelcome.com or sign up to receive the most recent updates right in your inbox.

When and how will I be notified of changes that impact my banking experience and relationship?

Updates and additional information

This is an important time for all of us. In the coming weeks and months, we will continue to communicate updates on this special website created for the transition.

If you have additional questions, please feel free to reach out any time through this site's contact link or by calling

(920) 922-1790.