Home Bank, National Association
Lafayette, LA · Cert 28094 · Peer group: banks $1B-$10B in assets (n=311-317) · 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 87% of banks $1B-$10B in assets (rank 42 of 317).
- Widest gap: nonperforming loans / loans trails 71% of banks $1B-$10B in assets (rank 223 of 311).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.36%
Rank 114 of 317
Net Interest Margin
4.11%
Rank 52 of 317
Efficiency Ratio
59.34%
Rank 155 of 317
Equity / Assets
13.56%
Rank 42 of 317
Non-interest income vs. expense
Unfavorable gap of $79.2M · efficiency ratio beats 51% 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% | 0.93% | 1.22% | 1.51% | Beats 64% | 114 / 317 | | |
| Return on Equity | 10.03% | 8.63% | 11.43% | 14.48% | Beats 35% | 206 / 317 | | |
| Net Interest Margin | 4.11% | 3.06% | 3.45% | 3.83% | Beats 84% | 52 / 317 | | |
| Efficiency Ratio | 59.34% | 51.90% | 59.69% | 67.53% | Beats 51% | 155 / 317 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.95% | 0.24% | 0.51% | 1.14% | Beats 29% | 223 / 311 | | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.04% | 0.12% | Beats 50% | 155 / 311 | | |
| Capital |
| Tier 1 Capital Ratio | 14.41% | 11.75% | 13.15% | 15.30% | Beats 67% | 105 / 317 | | |
| Total Risk-Based Capital Ratio | 15.61% | 12.63% | 14.21% | 16.26% | Beats 70% | 96 / 317 | | |
| Equity / Assets | 13.56% | 9.06% | 10.32% | 11.95% | Beats 87% | 42 / 317 | | |
| Liquidity & Funding |
| Loans / Deposits | 90.31% | 76.63% | 88.04% | 95.67% | 56th pctl | 136 / 312 | | |
| Loans / Assets | 77.17% | 65.41% | 74.05% | 79.71% | 65th pctl | 112 / 317 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |