Hometown Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Hometown Bank, N.A. is an FDIC-insured commercial bank headquartered in Galveston, TX, established in 1966 (FDIC certificate 19603), and it is supervised by the OCC. At Q2 2026 it reported total assets of $990.4M, up 4.4% from Q2 2025, the 92nd largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 14.29% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 19603
- Headquarters
- Galveston, TX
- Established
- 1966
- Total assets, Q2 2026
- $990.4M
- Assets vs Q2 2025
- +4.4%
- CET1 ratio, Q2 2026
- 14.29%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 113100570
- Latest call report
- Q2 2026, FFIEC 051 · Hometown Bank, N.A. call report
- Holding company
- HOMETOWN BANCSHARES, INC.
- Asset rank in state
- 92nd of 346 in Texas
Hometown Bank, N.A. leans heavily on commercial real estate. The Galveston, Texas bank had $990 million in assets at June 30, 2026, up 4.4% from a year earlier. It holds commercial real estate loans worth 2.9 times its capital, 2.4 times the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets.
Earnings jumped: net income for the quarter was $2.9 million, 88% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $23 million equal 21% of Tier 1 capital, down from 30% a year earlier.
As of June 30, 2026, Hometown Bank, N.A. reported a CET1 capital ratio of 14.29%, a return on assets of 1.16%, a nonperforming-loan ratio of 0.04% and a Texas ratio of 0.88%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Hometown Bank, N.A. is the 92nd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.8% to $990.4M, loans rose 2.3% and deposits fell 1.1%. Non-owner-occupied commercial real estate loans made up 33.2% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 25.3%. Its 7 offices in the FDIC Summary of Deposits are in 5 cities in TX; its Friendswood 2 offices book 39% of its branch deposits. Judged on its Q2 2026 call report, Hometown Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1801 45th St, Galveston, TX 77550
- County
- Galveston
- Metro Area
- Houston-Pasadena-The Woodlands, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 27, 1966
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 115
- Domestic deposits
- $891.1M
- Allowance for credit losses
- $7.4M
- Net charge-offs (YTD)
- $46K
- Average total assets
- $994.8M
- Average total loans
- $685.9M
- Average interest-bearing deposits
- $642.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 27, 1966
- FDIC Cert
- 19603
- Fed RSSD
- 393953
- Website
- www.hometown.bank →
- Parent Holding Company
- HOMETOWN BANCSHARES, INC. (RSSD 5859388)
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
Over the 12 quarters to Q2 2026, Hometown Bank, N.A.'s total assets ran between $903.4M (Q3 2023) and $998.1M (Q1 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
$990.4M total assets against $948.8M; $896.0M total liabilities against $866.3M.
$690.3M net loans and leases against $644.6M; $891.1M total deposits against $848.8M.
$230.7M securities against $249.8M; $42.0M cash and balances due against $25.8M.
$13.4M total interest income against $12.2M; $4.2M total interest expense against $4.6M.
$9.2M net interest income against $7.5M.
$534K total noninterest income against $614K; $5.7M total noninterest expense against $5.3M.
$0 provision for credit losses against $100K.
$2.9M net income against $1.5M.
1.16% return on assets against 0.62%; 3.81% net interest margin against 3.24%.
14.29% CET1 capital ratio against 14.73%; 11.33% tier 1 leverage ratio against 10.96%.
Inside the full Hometown Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Hometown Bank, N.A. rankings
Its closest position to the top of a national ranking is 1,046 of 4,196, for total assets; its furthest is 2,747 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.54% (Q3 2024) to 1.16% (Q2 2026) and its net interest margin ran from 2.46% (Q3 2024) to 3.81% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.29% | 1.16% | 0.04% | 0.88% | 3.81% |
| Q1 2026 | 14.75% | 0.97% | 0.14% | 0.94% | 3.73% |
| Q4 2025 | 14.35% | 0.96% | 0.13% | 0.91% | 3.64% |
| Q3 2025 | 15.17% | 0.98% | 0.07% | 0.47% | 3.41% |
| Q2 2025 | 14.73% | 0.62% | 0.07% | 0.53% | 3.24% |
| Q1 2025 | 15.92% | 0.71% | 0.08% | 0.56% | 2.94% |
| Q4 2024 | 15.66% | 0.69% | 0.03% | 0.21% | 2.78% |
| Q3 2024 | 16.00% | 0.54% | 0.08% | 0.50% | 2.46% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Hometown Bank, N.A. (main office) | Galveston , TX | 77550 | $340.1M |
| Friendswood Downtown Branch | Friendswood , TX | 77546 | $235.5M |
| Friendswood Branch | Friendswood , TX | 77546 | $112.6M |
| Hometown Bank of League City | League City , TX | 77573 | $78.6M |
| Pearland Branch | Pearland , TX | 77581 | $69.3M |
| Hometown Bank of Alvin Branch | Alvin , TX | 77511 | $54.9M |
| Seawall Branch | Galveston , TX | 77550 | $0 |
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 13, 1989 | M&A | Acquired Citizens Bank failure_government_assistance_provided for the acquired bank | SEC |
| October 13, 1989 | Structure Change | Acquired Citizens Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 12, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 122 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $20K approved, $20K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Hometown Bank, N.A.
What are Hometown Bank, N.A.'s total assets?
As of the Q2 2026 filing, Hometown Bank, N.A. reported total assets of $990.4 million in its FFIEC call report.
Where is Hometown Bank, N.A. headquartered?
It is headquartered in Galveston, TX, United States.
When was Hometown Bank, N.A. founded?
It was established in 1966, per the FDIC institution directory.
Is Hometown Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19603). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Hometown Bank, N.A.?
Hometown Bank, N.A.'s primary federal regulator is the OCC.
What is Hometown Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.29% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Hometown Bank, N.A. operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Hometown Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 0.88% 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.
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