Bank Comparison
Home Bank, N.A. vs Southeast Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
17 · 7
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Home Bank, N.A. | Southeast Bank |
|---|---|---|
| CET1 Ratio | 14.44% | 12.31% |
| Tier 1 Capital Ratio | 14.44% | 12.31% |
| Total Capital Ratio | 15.65% | 13.16% |
| Tier 1 Leverage Ratio | 12.11% | 8.51% |
| Equity / Assets | 13.67% | 8.34% |
Profitability
| Metric | Home Bank, N.A. | Southeast Bank |
|---|---|---|
| Return on Assets (ROA) | 1.37% | 0.61% |
| Return on Equity (ROE) | 10.12% | 7.19% |
| Net Interest Margin (NIM) | 4.27% | 3.31% |
| Yield on Earning Assets | 5.77% | 6.00% |
| Cost of Funds | 1.65% | 2.83% |
Asset quality
| Metric | Home Bank, N.A. | Southeast Bank |
|---|---|---|
| Texas Ratio | 15.57% | 28.35% |
| Non-Performing Loan Ratio | 2.33% | 0.16% |
| Non-Performing Asset Ratio | 1.91% | 0.15% |
| Net Charge-Off Ratio | 0.06% | 0.06% |
| ACL / Loans | 1.23% | 0.62% |
Balance sheet
| Metric | Home Bank, N.A. | Southeast Bank |
|---|---|---|
| Total Assets | $3,543M | $3,578M |
| Total Deposits | $3,032M | $3,232M |
| Total Loans | $2,729M | $3,161M |
| Total Equity | $484,460K | $298,365K |
| Net Income (quarter) | $12,101K | $5,306K |
Liquidity & funding
| Metric | Home Bank, N.A. | Southeast Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 90.00% | 97.81% |
| Core Deposit Ratio | 92.63% | 88.81% |
| Uninsured Deposit Ratio | 30.32% | 21.91% |
Identity
| Metric | Home Bank, N.A. | Southeast Bank |
|---|---|---|
| Headquarters City | LAFAYETTE | FARRAGUT |
| Headquarters State | LA | TN |
| Asset Tier | Large | Large |
| Charter Class | 25106 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 44 | 15 |
| Employees (FTE) | 489 | 304 |
| Established | Jan. 1, 1908, midnight | April 29, 2002, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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