Homebank Texas: 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 239.29 percentage points in Q2 2026, from 7639.66% to 7878.95%. It was the largest change from Q1 2026 among the key lines here. Homebank Texas ranks 80th of 345 Texas banks on return on assets, in the upper half at 1.90% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Homebank Texas reported 1.90% on return on assets in Q2 2026, 0.65 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.19% |
| Tier 1 risk-based capital ratio | 15.19% |
| Total risk-based capital ratio | 16.37% |
| Tier 1 leverage ratio | 11.59% |
| Equity capital to assets | 11.28% |
| Tangible equity to tangible assets | 11.12% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.02% |
| Non-performing assets ratio | 0.47% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 4.40% |
| Allowance for credit losses to loans | 1.49% |
| Reserve coverage of non-performing loans | 7878.95% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.90% |
| Return on equity | 16.93% |
| Net interest margin | 4.75% |
| Efficiency ratio | 58.41% |
| Yield on earning assets | 6.41% |
| Cost of funds | 1.80% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.79% |
| Core deposits to total deposits | 82.35% |
| Brokered deposits to total deposits | 3.38% |
| Deposits to assets | 88.06% |
| Securities to assets | 4.11% |
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 | 15.01% | 15.01% | 16.26% | 11.28% | 2.38% |
| Q4 2023 | 14.87% | 14.87% | 16.13% | 11.35% | 1.91% |
| Q1 2024 | 16.00% | 16.00% | 17.25% | 11.52% | 1.91% |
| Q2 2024 | 15.94% | 15.94% | 17.20% | 11.97% | 2.12% |
| Q3 2024 | 16.60% | 16.60% | 17.86% | 11.97% | 2.13% |
| Q4 2024 | 16.47% | 16.47% | 17.73% | 11.76% | 1.61% |
| Q1 2025 | 15.61% | 15.61% | 16.86% | 11.88% | 1.78% |
| Q2 2025 | 15.66% | 15.66% | 16.86% | 12.00% | 1.94% |
| Q3 2025 | 16.36% | 16.36% | 17.62% | 12.30% | 1.85% |
| Q4 2025 | 15.53% | 15.53% | 16.78% | 11.80% | 1.98% |
| Q1 2026 | 16.49% | 16.49% | 17.75% | 11.56% | 1.92% |
| Q2 2026 | 15.19% | 15.19% | 16.37% | 11.59% | 1.90% |
Homebank Texas vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Homebank Texas, 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 Homebank Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17094) · FFIEC NIC profile (RSSD 522669)