Homebank Texas
Seagoville, TX · Cert 17094 · Peer group: banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28) · Mta Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$403.0MAssets
$300.9MLoans
$354.9MDeposits
$45.5MEquity
Executive Summary
- Strongest standing: return on assets outperforms 75% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 7 of 28).
- Widest gap: equity / assets trails 43% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 12 of 28).
- Overall: at or above the peer median on 9 of 9 directional measures.
Return on Assets
1.47%
Rank 7 of 28
Net Interest Margin
4.36%
Rank 8 of 28
Efficiency Ratio
57.39%
Rank 8 of 28
Equity / Assets
11.28%
Rank 12 of 28
Non-interest income vs. expense
Unfavorable gap of $9.7M · efficiency ratio beats 75% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.47% | 1.12% | 1.22% | 1.47% | Beats 75% | 7 / 28 | | |
| Return on Equity | 12.99% | 8.64% | 12.47% | 13.41% | Beats 68% | 9 / 28 | | |
| Net Interest Margin | 4.36% | 3.77% | 4.06% | 4.51% | Beats 71% | 8 / 28 | | |
| Efficiency Ratio | 57.39% | 57.39% | 61.94% | 66.78% | Beats 75% | 8 / 28 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.11% | n/a | 0.28% | 1.06% | Beats 61% | 12 / 28 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.20% | Beats 71% | 9 / 28 | | |
| Capital |
| Tier 1 Capital Ratio | 15.19% | 12.55% | 13.77% | 17.51% | Beats 64% | 10 / 28 | | |
| Total Risk-Based Capital Ratio | 16.37% | 12.59% | 14.62% | 18.18% | Beats 64% | 10 / 28 | | |
| Equity / Assets | 11.28% | 9.58% | 11.17% | 13.58% | Beats 57% | 12 / 28 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.79% | 66.90% | 84.79% | 89.14% | 50th pctl | 14 / 28 | | |
| Loans / Assets | 74.66% | 57.58% | 73.59% | 77.32% | 57th pctl | 12 / 28 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |