Home Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Home Bank, N.A. of Lafayette, LA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.38% | 1.44% | -0.06% | 59th above |
| ROAE | 10.19% | 12.51% | -2.32% | 34th below |
| Net Interest Margin | 4.39% | 3.84% | +0.55% | 85th top |
| Efficiency Ratio | 59.59% | 58.87% | +0.72% | 46th below |
| PPNR / Avg Assets | 1.80% | 1.78% | +0.02% | 57th above |
| Yield on Earning Assets | 5.90% | 5.71% | +0.19% | 71st above |
| Cost of Funds | 1.65% | 2.03% | -0.38% | 73rd above |
| Net Interest Spread | 3.63% | 3.18% | +0.45% | 82nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.85% | 0.96% | +0.89% | 12th bottom |
| NPA / Total Assets | 1.78% | 0.75% | +1.03% | 8th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.31% | -0.25% | 37th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.22% | 1.25% | -0.03% | 62nd above |
| ACL / NPLs (Coverage) | 66.05% | 699.54% | -633.49% | 15th bottom |
| Texas Ratio | 14.65% | 7.15% | +7.50% | 12th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 202.40% | 815.34% | -612.94% | 57th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.41% | 17.41% | -3.00% | 64th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.41% | 17.45% | -3.04% | 64th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.61% | 18.50% | -2.89% | 65th above |
| Leverage Ratio | 12.11% | 11.59% | +0.52% | 78th top |
| Equity / Assets | 13.56% | 11.33% | +2.23% | 88th top |
| TCE / Tangible Assets | 11.50% | 10.65% | +0.85% | 78th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.31% | 86.35% | +3.96% | 44th below |
| Core Deposit Ratio | 90.85% | 85.55% | +5.30% | 62nd above |
| Uninsured Deposit Ratio Ahead of the peer average, behind the median peer. | 31.16% | 32.71% | -1.55% | 49th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.49% | 10.46% | -6.97% | 38th below |
| Loan Growth (Y/Y) | 0.53% | 8.00% | -7.47% | 20th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.67% | 7.98% | -2.31% | 56th above |
See Home Bank, N.A.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Home Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Home Bank, N.A. profile, how to read a UBPR, or how this data updates.