Homebank Texas
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Data as of · sourced from FFIEC call reports. How we update
Homebank Texas is an FDIC-insured commercial bank headquartered in Seagoville, TX, established in 1952 (FDIC certificate 17094), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $403.0M, up 13.0% from Q2 2025, the 178th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 15.19% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17094
- Headquarters
- Seagoville, TX
- Established
- 1952
- Total assets, Q2 2026
- $403.0M
- Assets vs Q2 2025
- +13.0%
- CET1 ratio, Q2 2026
- 15.19%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 111922776
- Holding company
- MTA BANCSHARES, INC.
- Asset rank in state
- 178th of 346 in Texas
Homebank Texas, based in Seagoville, Texas, reported $403 million in assets at June 30, 2026, up 13.0% from a year earlier. It grew deposits 14.8% over the year, 3.7 times the median of 4.0% for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 4.75 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
Net income for the quarter rose 12% from a year earlier, to $1.9 million. Over the same year, loans grew 6.9% and deposits grew 14.8%.
As of June 30, 2026, Homebank Texas reported a CET1 capital ratio of 15.19%, a return on assets of 1.90%, a nonperforming-loan ratio of 0.11% and a Texas ratio of 4.40%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Homebank Texas is the 178th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.4% to $403.0M, loans rose 2.2% and deposits rose 3.7%. 1-4 family residential loans made up 38.5% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 18.8%. The FDIC Summary of Deposits lists 3 offices for it, in Seagoville, TX, Rockwall, TX and Dallas, TX; its Seagoville office books 61% of its branch deposits. On its Q2 2026 call report, Homebank Texas meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 601 N Highway 175, Seagoville, TX 75159
- County
- Dallas
- Metro Area
- Dallas-Fort Worth-Arlington, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 7, 1952
- Former names
- HomeBank @ (2006-2011); Seagoville State Bank (1978-1998)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 49
- Domestic deposits
- $354.9M
- Allowance for credit losses
- $4.5M
- Net charge-offs (YTD)
- $6K
- Average total assets
- $400.1M
- Average total loans
- $297.4M
- Average interest-bearing deposits
- $217.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 7, 1952
- FDIC Cert
- 17094
- Fed RSSD
- 522669
- Website
- www.homebanktx.com →
- Parent Holding Company
- MTA BANCSHARES, INC. (RSSD 4276344)
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
From Q3 2023 to Q2 2026, Homebank Texas's total assets ranged from $315.9M (Q3 2023) to $403.0M (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
$403.0M total assets against $356.6M; $357.6M total liabilities against $316.2M.
$296.4M net loans and leases against $277.2M; $354.9M total deposits against $309.1M.
$16.6M securities against $16.9M; $73.2M cash and balances due against $46.2M.
$6.1M total interest income against $5.4M; $1.6M total interest expense against $1.5M.
$4.5M net interest income against $3.8M.
$216K total noninterest income against $215K; $2.8M total noninterest expense against $2.3M.
$60K provision for credit losses against $60K.
$1.9M net income against $1.7M.
1.90% return on assets against 1.94%; 4.75% net interest margin against 4.52%.
15.19% CET1 capital ratio against 15.66%; 11.59% tier 1 leverage ratio against 12.00%.
Inside the full Homebank Texas terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeHomebank Texas rankings
Its closest position to the top of a national ranking is 612 of 3,611, for ROA; its furthest is 2,040 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.61% (Q4 2024) to 2.13% (Q3 2024) and its net interest margin ran from 4.26% (Q1 2025) to 4.75% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.19% | 1.90% | 0.11% | 4.40% | 4.75% |
| Q1 2026 | 16.49% | 1.92% | 0.23% | 5.21% | 4.62% |
| Q4 2025 | 15.53% | 1.98% | 0.23% | 5.36% | 4.72% |
| Q3 2025 | 16.36% | 1.85% | 0.02% | 4.18% | 4.59% |
| Q2 2025 | 15.66% | 1.94% | 0.03% | 4.38% | 4.52% |
| Q1 2025 | 15.61% | 1.78% | 1.20% | 8.12% | 4.26% |
| Q4 2024 | 16.47% | 1.61% | 0.58% | 3.84% | 4.34% |
| Q3 2024 | 16.60% | 2.13% | 0.19% | 1.25% | 4.43% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Homebank Texas (main office) | Seagoville , TX | 75159 | $217.7M |
| Rockwall Branch | Rockwall , TX | 75032 | $116.8M |
| Buckner Branch | Dallas , TX | 75228 | $20.4M |
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 |
|---|---|---|---|
| October 7, 1995 | Structure Change | Acquired Buckner State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 6, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 219 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 84 applications, 58 loans originated, $26.0M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $823K approved, $823K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (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 Homebank Texas
What are Homebank Texas's total assets?
As of the Q2 2026 filing, Homebank Texas reported total assets of $403.0 million in its FFIEC call report.
Where is Homebank Texas headquartered?
It is headquartered in Seagoville, TX, United States.
When was Homebank Texas founded?
It was established in 1952, per the FDIC institution directory.
Is Homebank Texas FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17094). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Homebank Texas?
Homebank Texas's primary federal regulator is the FDIC.
What is Homebank Texas's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.19% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Homebank Texas operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Homebank Texas's Texas Ratio?
Its Texas Ratio is 4.40% 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 Homebank Texas previously called?
The charter now named Homebank Texas has also operated as HomeBank @ (2006-2011), Seagoville State Bank (1978-1998), per FDIC structure-change records.
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