Galveston, TX · Cert 19603 · Hometown Bancshares Inc.
National charter · OCC · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=21). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
36
Asset Quality
62
Profitability
43
Liquidity
100
Efficiency
76
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Galveston, TX · Cert 19603 · Hometown Bancshares Inc.
National charter · OCC · 7 branches
Q2 2026
Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.2% share · #32 of 107 inst. · $0.9B of $360.4B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | 0.57% | 0.75% | 0.70% | 0.80% | 0.85% | 0.99% | 1.07% | +38 bps | |
| Return on Equity | 6.32% | 7.03% | 9.08% | 8.31% | 9.36% | 9.82% | 10.73% | 11.54% | +323 bps | |
| Net Interest Margin | 2.29% | 2.36% | 2.75% | 2.91% | 2.98% | 3.04% | 3.53% | 3.65% | +75 bps | |
| Efficiency Ratio | 77.58% | 75.59% | 71.20% | 67.83% | 66.10% | 64.51% | 59.73% | 59.33% | -850 bps | |
| Non-Interest Burden | 1.73% | 1.74% | 1.90% | 1.90% | 1.89% | 1.89% | 2.02% | 2.08% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.44% | 5.00% | 0.38% | -0.01% | 2.78% | 4.09% | 4.91% | 4.39% | +440 bps | |
| Loan Growth (YoY) | 7.34% | 9.13% | 8.08% | 17.38% | 19.39% | 18.17% | 15.23% | 7.07% | -1,031 bps | |
| Deposit Growth (YoY) | 8.54% | 11.26% | 4.21% | 1.57% | 1.39% | 2.69% | 3.94% | 4.99% | +342 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.08% | 0.03% | 0.08% | 0.07% | 0.07% | 0.13% | 0.14% | 0.04% | -4 bps | |
| Net Charge-Offs / Loans | -0.10% | -0.07% | 0.00% | 0.00% | 0.01% | 0.00% | 0.01% | 0.01% | +1 bps | |
| Allowance / Loans | 1.22% | 1.18% | 1.17% | 1.08% | 1.05% | 1.06% | 1.09% | 1.06% | -1 bps | |
| Allowance Coverage of NPLs | 15.3x | 40.2x | 14.1x | 14.8x | 15.5x | 8.2x | 7.9x | 30.1x | +15.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.61% | 10.55% | 10.75% | 10.96% | 10.99% | 10.58% | 10.90% | 11.33% | +37 bps | |
| Total Risk-Based Capital | 17.05% | 16.68% | 16.95% | 15.69% | 16.15% | 15.32% | 15.74% | 15.23% | -46 bps | |
| Equity / Assets | 8.78% | 7.91% | 8.52% | 8.70% | 9.24% | 9.08% | 9.32% | 9.53% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.63% | 66.62% | 68.26% | 76.78% | 77.28% | 76.67% | 75.68% | 78.30% | +152 bps | |
| Liquid Assets / Assets | 4.38% | 5.21% | 3.47% | 1.78% | 2.21% | 3.09% | 4.18% | 3.08% | +131 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 452% | 463% | 450% | n/a | n/a | |
Galveston, TX · Cert 19603 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=21) · Hometown Bancshares Inc.
National charter · OCC · 7 branches
Q2 2026
Return on Assets
1.08%
Rank 13 of 21
Net Interest Margin
3.65%
Rank 15 of 21
Efficiency Ratio
59.33%
Rank 6 of 21
Equity / Assets
9.53%
Rank 14 of 21
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.08% | 0.77% | 1.16% | 1.46% | Beats 38% | 13 / 21 | ||
| Return on Equity | 11.33% | 6.66% | 8.42% | 15.66% | Beats 62% | 8 / 21 | ||
| Net Interest Margin | 3.65% | 3.50% | 3.97% | 4.41% | Beats 29% | 15 / 21 | ||
| Efficiency Ratio | 59.33% | 59.33% | 68.18% | 79.00% | Beats 76% | 6 / 21 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.04% | 0.01% | 0.37% | 1.25% | Beats 71% | 7 / 21 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.05% | Beats 52% | 11 / 21 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.29% | 12.65% | 15.76% | 18.38% | Beats 38% | 13 / 21 | ||
| Total Risk-Based Capital Ratio | 15.23% | 12.65% | 16.68% | 19.63% | Beats 38% | 13 / 21 | ||
| Equity / Assets | 9.53% | 9.08% | 11.30% | 15.80% | Beats 33% | 14 / 21 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.30% | 64.96% | 78.30% | 90.30% | 48th pctl | 11 / 21 | ||
| Loans / Assets | 70.45% | 55.83% | 65.86% | 74.20% | 62nd pctl | 8 / 21 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||