Home Bank, N.A. (Lafayette, LA)
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Data as of · sourced from FFIEC call reports. How we update
Home Bank, N.A. is an FDIC-insured commercial bank headquartered in Lafayette, LA, established in 1908 (FDIC certificate 28094), and it is supervised by the OCC. At Q2 2026 it reported total assets of $3.60B, up 3.5% from Q2 2025, the 6th largest of 102 banks headquartered in Louisiana. Its CET1 capital ratio was 14.41% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 28094
- Headquarters
- Lafayette, LA
- Established
- 1908
- Total assets, Q2 2026
- $3.60B
- Assets vs Q2 2025
- +3.5%
- CET1 ratio, Q2 2026
- 14.41%
- Domestic offices
- 44 FDIC institution directory, current count
- Routing number
- 265270303
- Latest call report
- Q2 2026, FFIEC 041 · Home Bank, N.A. call report
- Holding company
- HOME BANCORP, INC.
- Asset rank in state
- 6th of 102 in Louisiana
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 0.95% and a Texas ratio of 8.93%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Home Bank, N.A. is the 6th largest of the 102 banks headquartered in Louisiana. Between Q1 2026 and Q2 2026, its total assets rose 1.7% to $3.60B, loans rose 1.9% and deposits rose 1.5%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 27.9% of total loans, followed by 1-4 family residential loans at 20.4%. Its 43 offices in the FDIC Summary of Deposits are in 29 cities across 3 states; its Lafayette 6 offices book 33% of its branch deposits. By the capital ratios in its Q2 2026 call report, Home Bank, N.A. meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 44 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Home Bank, N.A.'s total assets moved between a low of $3.31B (Q3 2023) and a high of $3.60B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.60B total assets against $3.48B; $3.11B total liabilities against $3.03B.
$2.75B net loans and leases against $2.73B; $3.08B total deposits against $2.91B.
$409.1M securities against $394.5M; $188.3M cash and balances due against $113.0M.
$49.2M total interest income against $48.6M; $12.6M total interest expense against $14.4M.
$36.6M net interest income against $34.2M.
$3.9M total noninterest income against $3.6M; $24.4M total noninterest expense against $23.1M.
$762K provision for credit losses against -$481K.
$12.4M net income against $12.1M.
1.38% return on assets against 1.39%; 4.39% net interest margin against 4.20%.
14.41% CET1 capital ratio against 13.45%; 12.11% tier 1 leverage ratio against 11.47%.
Inside the full Home Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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
Its closest position to the top of a national ranking is 357 of 4,196, for total assets; its furthest is 506 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.20% (Q3 2024) to 1.51% (Q3 2025) and its net interest margin ran from 3.91% (Q3 2024) to 4.39% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.41% | 1.38% | 0.95% | 8.93% | 4.39% |
| Q1 2026 | 14.44% | 1.37% | 1.31% | 9.18% | 4.27% |
| Q4 2025 | 14.09% | 1.38% | 1.24% | 8.56% | 4.25% |
| Q3 2025 | 14.04% | 1.51% | 1.09% | 7.46% | 4.30% |
| Q2 2025 | 13.45% | 1.39% | 0.84% | 6.38% | 4.20% |
| Q1 2025 | 13.34% | 1.36% | 0.69% | 5.46% | 4.03% |
| Q4 2024 | 13.28% | 1.21% | 0.50% | 4.07% | 4.02% |
| Q3 2024 | 13.49% | 1.20% | 0.68% | 4.79% | 3.91% |
Swipe the table sideways to see every column.
Branch Network
View all 43 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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 | Structure Change | Acquired Texan Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 26, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| 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 | Structure Change | Acquired Britton & Koontz Bank, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 15, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| 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
Facts as filed or published, not a rating.
- 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Home Bank, N.A. headquartered?
It is headquartered in Lafayette, LA, United States.
When was Home Bank, N.A. founded?
It was established in 1908, per the FDIC institution directory.
Is Home Bank, N.A. FDIC-insured?
Yes. It 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.
What is Home Bank, N.A.'s CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 8.93% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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