BanksHOMEBANK TEXAS

HOMEBANK TEXAS

SEAGOVILLE, TXSmallEst. April 7, 1952, midnightFDIC #17094RSSD #522669FDIC
Latest · 2025-12-31

HOMEBANK TEXAS is an 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%. CET1 capital ratio: 15.53%, well above regulatory minimums. NPL ratio: 0.02% · Texas Ratio: 3.99%. Operates 4 domestic branches.

Assets
$376M
Deposits
$326M
Loans
$295M
Equity
$43M

Profitability

Return on Assets (ROA)1.99%
Return on Equity (ROE)17.30%
Net Interest Margin4.91%
Yield on Assets6.77%
Cost of Funds1.95%

Asset Quality

NPL Ratio0.02%
Net Charge-Off Ratio0.02%
Texas Ratio3.99%
NPA Ratio0.51%
ACL / Loans1.47%

Capital & Liquidity

CET1 Ratio15.53%
Tier 1 Capital15.53%
Total Capital Ratio16.78%
Leverage Ratio11.80%
Loan-to-Deposit90.60%

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