HOMEBANK TEXAS

SEAGOVILLE, TX | Small | Est. April 7, 1952, midnight | FDIC #17094 | RSSD #522669 | FDIC
Latest Report: 2025-12-31

HOMEBANK TEXAS is asn small FDIC-insured commercial bank headquartered in SEAGOVILLE, TX, established in April 7, 1952, midnight. As of 2025-12-31, the bank reported total assets of $376M and total deposits of $326M. Profitability stands at 1.99% ROA and 17.30% ROE, with a net interest margin of 4.91%. The bank's CET1 capital ratio is 15.53%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.02% and a Texas Ratio of 3.99%. FDIC Certificate #17094.

Assets

$376M

Deposits

$326M

Loans

$295M

Equity

$43M

Profitability

Return on Assets (ROA) 1.99%
Return on Equity (ROE) 17.30%
Net Interest Margin (NIM) 4.91%
Yield on Assets 6.77%
Cost of Funds 1.95%

Asset Quality

NPL Ratio 0.02%
Net Charge-Off Ratio 0.02%
Texas Ratio 3.99%
NPA Ratio 0.51%
ACL / Loans 1.47%

Capital & Liquidity

CET1 Ratio 15.53%
Tier 1 Capital 15.53%
Total Capital Ratio 16.78%
Leverage Ratio 11.80%
Loan-to-Deposit 90.60%

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