HOMETOWN BANK, NATIONAL ASSOCIATION

GALVESTON, TX | Medium | Est. June 27, 1966, midnight | FDIC #19603 | RSSD #393953 | OCC
Latest Report: 2025-12-31

HOMETOWN BANK, NATIONAL ASSOCIATION is amn medium FDIC-insured commercial bank headquartered in GALVESTON, TX, established in June 27, 1966, midnight. As of 2025-12-31, the bank reported total assets of $998M and total deposits of $904M. Profitability stands at 1.00% ROA and 10.91% ROE, with a net interest margin of 3.90%. The bank's CET1 capital ratio is 14.35%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.13% and a Texas Ratio of 0.91%. FDIC Certificate #19603.

Assets

$998M

Deposits

$904M

Loans

$693M

Equity

$91M

Profitability

Return on Assets (ROA) 1.00%
Return on Equity (ROE) 10.91%
Net Interest Margin (NIM) 3.90%
Yield on Assets 5.93%
Cost of Funds 2.06%

Asset Quality

NPL Ratio 0.13%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.91%
NPA Ratio 0.09%
ACL / Loans 1.06%

Capital & Liquidity

CET1 Ratio 14.35%
Tier 1 Capital 14.35%
Total Capital Ratio 15.32%
Leverage Ratio 10.58%
Loan-to-Deposit 76.67%

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