Hometown Bank, National Association
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
$990.4MAssets
$697.7MLoans
$891.1MDeposits
$94.4MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 76% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 6 of 21).
- Widest gap: net interest margin trails 71% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 15 of 21).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $20.7M · efficiency ratio beats 76% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |