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 | |