Home Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 13.07 percentage points in Q2 2026, from 52.97% to 66.05%. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, Home Bank, N.A. is 44th of 103 on return on assets, 1.38% as of Q2 2026, above the middle of the field. Home Bank, N.A. reported 1.38% on return on assets for Q2 2026, 0.10 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.41% |
| Tier 1 risk-based capital ratio | 14.41% |
| Total risk-based capital ratio | 15.61% |
| Tier 1 leverage ratio | 12.11% |
| Equity capital to assets | 13.56% |
| Tangible equity to tangible assets | 11.50% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.85% |
| Non-performing assets ratio | 1.78% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 14.65% |
| Allowance for credit losses to loans | 1.22% |
| Reserve coverage of non-performing loans | 66.05% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.38% |
| Return on equity | 10.19% |
| Net interest margin | 4.39% |
| Efficiency ratio | 59.59% |
| Yield on earning assets | 5.90% |
| Cost of funds | 1.65% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.31% |
| Core deposits to total deposits | 90.85% |
| Brokered deposits to total deposits | 1.99% |
| Deposits to assets | 85.45% |
| Securities to assets | 11.35% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.51% | 12.51% | 13.73% | 10.71% | 1.28% |
| Q4 2023 | 12.98% | 12.98% | 14.23% | 10.98% | 1.23% |
| Q1 2024 | 13.16% | 13.16% | 14.39% | 11.19% | 1.19% |
| Q2 2024 | 13.15% | 13.15% | 14.39% | 11.22% | 1.06% |
| Q3 2024 | 13.49% | 13.49% | 14.74% | 11.32% | 1.20% |
| Q4 2024 | 13.28% | 13.28% | 14.51% | 11.38% | 1.21% |
| Q1 2025 | 13.34% | 13.34% | 14.58% | 11.48% | 1.36% |
| Q2 2025 | 13.45% | 13.45% | 14.66% | 11.47% | 1.39% |
| Q3 2025 | 14.04% | 14.04% | 15.24% | 11.80% | 1.51% |
| Q4 2025 | 14.09% | 14.09% | 15.29% | 11.84% | 1.38% |
| Q1 2026 | 14.44% | 14.44% | 15.65% | 12.11% | 1.37% |
| Q2 2026 | 14.41% | 14.41% | 15.61% | 12.11% | 1.38% |
Home Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Home Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28094) · FFIEC NIC profile (RSSD 929978)