Home Bank, National Association
Lafayette, LA · Cert 28094 · Peer group: banks $1B-$10B in assets (n=322-328) · Home Bcorp Inc.
National charter · OCC · 43 branches
Q2 2026
$3.6BAssets
$2.8BLoans
$3.1BDeposits
$488.4MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 88% of banks $1B-$10B in assets (rank 41 of 328).
- Widest gap: nonperforming loans / loans trails 74% of banks $1B-$10B in assets (rank 239 of 322).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.36%
Rank 118 of 328
Net Interest Margin
4.11%
Rank 50 of 328
Efficiency Ratio
59.34%
Rank 164 of 328
Equity / Assets
13.56%
Rank 41 of 328
Non-interest income vs. expense
Unfavorable gap of $79.2M · efficiency ratio beats 50% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.36% | 0.91% | 1.22% | 1.52% | Beats 64% | 118 / 328 | | |
| Return on Equity | 10.03% | 8.43% | 11.45% | 14.43% | Beats 35% | 212 / 328 | | |
| Net Interest Margin | 4.11% | 3.03% | 3.45% | 3.83% | Beats 85% | 50 / 328 | | |
| Efficiency Ratio | 59.34% | 51.61% | 59.56% | 67.53% | Beats 50% | 164 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.95% | 0.24% | 0.51% | 1.03% | Beats 26% | 239 / 322 | | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.03% | 0.10% | Beats 48% | 167 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 14.41% | 11.75% | 13.15% | 15.47% | Beats 66% | 110 / 328 | | |
| Total Risk-Based Capital Ratio | 15.61% | 12.63% | 14.15% | 16.46% | Beats 69% | 102 / 328 | | |
| Equity / Assets | 13.56% | 9.15% | 10.33% | 12.01% | Beats 88% | 41 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 90.31% | 76.63% | 87.92% | 95.36% | 57th pctl | 139 / 323 | | |
| Loans / Assets | 77.17% | 65.18% | 74.15% | 79.98% | 65th pctl | 115 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |