Home Bank, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Home Bank, N.A. earns an unusually wide margin on its lending. Its balance sheet stood at $3.6 billion at June 30, 2026, up 3.5% from a year earlier; it is based in Lafayette, Louisiana. It keeps 4.39 cents of net interest income on every dollar of earning assets, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). On the other hand, it carries problem assets equal to 8.9% of the capital and reserves that would absorb them, 2.5 times the median of 3.6% for banks its size.
Its $441 million non-owner-occupied commercial real estate book is improving, with 0.40% past due or on nonaccrual, down from 1.97% a year earlier. Deposits are coming in faster than loans: over the year loans rose 0.5% and deposits rose 5.7%. One more trend to watch: problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.95% of loans from 0.84% a year earlier.
As of June 30, 2026, Home Bank, N.A. reported a CET1 capital ratio of 14.41%, a return on assets of 1.38%, a nonperforming-loan ratio of 1.85% and a Texas ratio of 8.93%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 503 Kaliste Saloom Rd, Lafayette, LA 70508
- County
- Lafayette
- Metro Area
- Lafayette, LA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1908
- Former names
- Home Bank (2001-2015); Home Savings Bank, F.S.B. (1993-2001)
- Offices
- 44 domestic
- Employees (FTE)
- 492
- Domestic deposits
- $3.08B
- Allowance for credit losses
- $34.0M
- Net charge-offs (YTD)
- $832K
- Average total assets
- $3.59B
- Average total loans
- $2.76B
- Average interest-bearing deposits
- $2.21B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28094
- Fed RSSD
- 929978
- SEC CIK
- 1436425 → filed by HOME BANCORP, INC.
- Website
- www.home24bank.com →
- Parent Holding Company
- HOME BANCORP, INC. (RSSD 3851191) · HBCP
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| John W. Bordelon | CEO | President and CEO |
| David T. Kirkley | CFO | SEVP & Chief Financial Officer |
| Mark C Herpin | COO | SEVP, Chief Operations Officer |
| Darren M Hill | CRO | Chief Risk Officer |
| Darren E. Guidry | CCO | SEVP & Chief Credit Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Home Bank, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Home Bank, N.A., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Home Bank, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.41% | 1.38% | 1.85% | 8.93% | 4.39% |
| Q1 2026 | 14.44% | 1.37% | 2.33% | 9.18% | 4.27% |
| Q4 2025 | 14.09% | 1.38% | 2.14% | 8.56% | 4.25% |
| Q3 2025 | 14.04% | 1.51% | 2.05% | 7.46% | 4.30% |
| Q2 2025 | 13.45% | 1.39% | 0.95% | 6.38% | 4.20% |
| Q1 2025 | 13.34% | 1.36% | 0.83% | 5.46% | 4.03% |
| Q4 2024 | 13.28% | 1.21% | 0.61% | 4.07% | 4.02% |
| Q3 2024 | 13.49% | 1.20% | 0.78% | 4.79% | 3.91% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 43 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Home Bank, N.A. (main office) | Lafayette , LA | 70508 | $585.1M |
| Veterans Mem Br | Metairie , LA | 70005 | $184.7M |
| St Martinville Br | Saint Martinville , LA | 70582 | $173.3M |
| Downtown Johnston Branch | Lafayette , LA | 70501 | $119.5M |
| Britton & Koontz Br | Natchez , MS | 39120 | $110.9M |
| River Ranch Branch | Lafayette , LA | 70508 | $96.6M |
| Ambassador Caffery Branch | Lafayette , LA | 70508 | $96.6M |
| Scott Branch | Scott , LA | 70583 | $95.5M |
| Jennings Branch | Jennings , LA | 70546 | $88.8M |
| Branch 2 Branch | Friendswood , TX | 77546 | $87.4M |
| North Causeway Branch | Mandeville , LA | 70471 | $83.0M |
| Carencro Branch | Carencro , LA | 70520 | $82.7M |
| Johnston Branch | Lafayette , LA | 70503 | $79.9M |
| Pasadena Branch | Pasadena , TX | 77505 | $78.0M |
| 4401 Transcontinental Dr Branch | Metairie , LA | 70006 | $73.6M |
| Broussard Branch | Broussard , LA | 70518 | $63.7M |
| Parkway Branch | Broussard , LA | 70518 | $63.2M |
| Folsom Branch | Folsom , LA | 70437 | $62.0M |
| Fatherland Branch | Natchez , MS | 39120 | $60.3M |
| Crowley Branch | Crowley , LA | 70526 | $60.1M |
| Church Point Bank and Trust Company Branch | Church Point , LA | 70525 | $60.0M |
| Baybrook Branch | Webster , TX | 77598 | $57.0M |
| Sugarland Branch | Sugar Land , TX | 77478 | $54.1M |
| Corporate Branch | Baton Rouge , LA | 70808 | $52.0M |
| Highway 21 Branch | Covington , LA | 70433 | $51.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 26, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 26, 2022 | Structure Change | Acquired Texan Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 7, 2017 | Structure Change | Acquired St. Martin Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 6, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 16, 2015 | Structure Change | Acquired Bank of New Orleans Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 15, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 15, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 15, 2014 | Structure Change | Acquired Britton & Koontz Bank, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 16, 2011 | Structure Change | Acquired Guaranty Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 15, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 13, 2010 | Structure Change | Acquired Statewide Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 12, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| June 30, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 30, 2006 | Structure Change | Acquired Crowley Building & Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 14 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Home Bank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.9% of deposits in LA, rank 11 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 401 applications, 282 loans originated, $84.3M originated, across 8 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 6 loans, $4.9M approved, $813K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Home Bank, N.A.
What are Home Bank, N.A.'s total assets?
As of the Q2 2026 filing, Home Bank, N.A. reported total assets of $3.60 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Home Bank, N.A. headquartered?
Home Bank, N.A. is headquartered in Lafayette, LA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Home Bank, N.A. founded?
Home Bank, N.A. was established in 1908, per the FDIC institution directory.
Is Home Bank, N.A. FDIC-insured?
Yes. Home Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #28094). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Home Bank, N.A.?
Home Bank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Home Bank, N.A.'s CET1 capital ratio?
Home Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 14.41% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Home Bank, N.A. operate?
Home Bank, N.A. operates 44 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Home Bank, N.A.'s Texas Ratio?
Home Bank, N.A.'s Texas Ratio is 8.93% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Home Bank, N.A. previously called?
The charter now named Home Bank, N.A. has also operated as Home Bank (2001-2015), Home Savings Bank, F.S.B. (1993-2001), per FDIC structure-change records.
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