Home Banking Company: 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 37.65 percentage points in Q2 2026, from 42.84% to 80.48%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Home Banking Company is 6th from the bottom among 109 Tennessee banks, 0.22% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Home Banking Company reported 0.22% on return on assets in Q2 2026, 1.03 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.08% |
| Equity capital to assets | 8.96% |
| Tangible equity to tangible assets | 8.82% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.12% |
| Non-performing assets ratio | 0.57% |
| Net charge-off ratio | 0.07% |
| Texas ratio | 8.10% |
| Allowance for credit losses to loans | 0.90% |
| Reserve coverage of non-performing loans | 80.48% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.22% |
| Return on equity | 2.61% |
| Net interest margin | 3.63% |
| Efficiency ratio | 94.10% |
| Yield on earning assets | 5.15% |
| Cost of funds | 1.59% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 56.16% |
| Core deposits to total deposits | 79.26% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.94% |
| Securities to assets | 35.62% |
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 | 14.52% | 14.52% | 15.33% | 7.74% | 0.13% |
| Q4 2023 | 14.23% | 14.23% | 15.06% | 7.52% | -0.30% |
| Q1 2024 | 13.31% | 13.31% | 14.08% | 7.23% | -0.04% |
| Q2 2024 | 13.78% | 13.78% | 14.56% | 7.10% | 0.15% |
| Q3 2024 | 13.97% | 13.97% | 14.75% | 7.30% | -0.35% |
| Q4 2024 | 14.75% | 14.75% | 15.55% | 7.31% | 0.25% |
| Q1 2025 | 17.75% | 17.75% | 18.66% | 8.56% | -0.09% |
| Q2 2025 | 19.59% | 19.59% | 20.46% | 9.16% | 0.26% |
| Q3 2025 | — | — | — | 10.27% | -0.02% |
| Q4 2025 | — | — | — | 10.35% | 0.08% |
| Q1 2026 | — | — | — | 10.23% | 0.60% |
| Q2 2026 | — | — | — | 10.08% | 0.22% |
Home Banking Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Banking Company, 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 Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9196) · FFIEC NIC profile (RSSD 138556)