Homebank Texas: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Homebank Texas of Seagoville, TX against its peer group of 2672 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 | 1.90% | 1.34% | +0.56% | 82nd top |
| ROAE | 16.93% | 13.31% | +3.62% | 75th top |
| Net Interest Margin | 4.75% | 3.93% | +0.82% | 87th top |
| Efficiency Ratio | 58.41% | 61.14% | -2.73% | 59th above |
| PPNR / Avg Assets | 1.96% | 1.68% | +0.28% | 71st above |
| Yield on Earning Assets | 6.41% | 5.67% | +0.74% | 84th top |
| Cost of Funds | 1.80% | 1.88% | -0.08% | 50th above |
| Net Interest Spread | 3.50% | 3.32% | +0.18% | 59th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.02% | 0.94% | -0.92% | 83rd top |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.47% | 0.70% | -0.23% | 40th below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.49% | 1.28% | +0.21% | 78th top |
| ACL / NPLs (Coverage) | 7878.95% | 1535.97% | +6342.98% | — |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.40% | 7.33% | -2.93% | 45th below |
| Provision / NCO | 2500.00% | 1394.83% | +1105.17% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.19% | 19.50% | -4.31% | 51st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.19% | 19.54% | -4.35% | 51st above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.37% | 20.62% | -4.25% | 51st above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.59% | 12.14% | -0.55% | 59th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.28% | 11.37% | -0.09% | 63rd above |
| TCE / Tangible Assets | 11.12% | 11.09% | +0.03% | 65th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.79% | 80.64% | +4.15% | 41st below |
| Core Deposit Ratio | 82.35% | 86.86% | -4.51% | 22nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 13.01% | 6.85% | +6.16% | 89th top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.93% | 7.90% | -0.97% | 60th above |
| Deposit Growth (Y/Y) | 14.81% | 6.28% | +8.53% | 91st top |
See Homebank Texas's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Homebank Texas, 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 Homebank Texas profile, how to read a UBPR, or how this data updates.