BanksHOMETOWN BANK, NATIONAL ASSOCIATION

HOMETOWN BANK, NATIONAL ASSOCIATION

GALVESTON, TXMediumEst. June 27, 1966, midnightFDIC #19603RSSD #393953OCC
Latest · 2025-12-31

HOMETOWN BANK, NATIONAL ASSOCIATION is an 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%. CET1 capital ratio: 14.35%, well above regulatory minimums. NPL ratio: 0.13% · Texas Ratio: 0.91%. Operates 7 domestic branches.

Assets
$998M
Deposits
$904M
Loans
$693M
Equity
$91M

Profitability

Return on Assets (ROA)1.00%
Return on Equity (ROE)10.91%
Net Interest Margin3.90%
Yield on Assets5.93%
Cost of Funds2.06%

Asset Quality

NPL Ratio0.13%
Net Charge-Off Ratio0.00%
Texas Ratio0.91%
NPA Ratio0.09%
ACL / Loans1.06%

Capital & Liquidity

CET1 Ratio14.35%
Tier 1 Capital14.35%
Total Capital Ratio15.32%
Leverage Ratio10.58%
Loan-to-Deposit76.67%

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