Hometown Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 8.38 percentage points lower than in Q1 2026, at 71.28%. Hometown Bank, N.A. ranks 138th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 78.30% (Q2 2026). Hometown Bank, N.A. reported 78.30% on loan-to-deposit ratio for Q2 2026, 2.54 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $697.7M |
| Net loans and leases | $690.3M |
| Loans held for sale | $0 |
| Loans to total assets | 70.45% |
| Loan-to-deposit ratio | 78.30% |
| Net loans to equity capital | 7.31% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 58.36% |
| Multifamily (5+ residential) | 2.99% |
| Commercial and industrial | 7.93% |
| Consumer | 1.46% |
| Credit cards | 0.00% |
| Farm | 1.34% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 291.68% |
| Construction concentration (Tier 1 capital + allowance) | 71.28% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.77% |
| Interest income on loans | $11.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $529.1M | $797.3M | 53.78% | 7.00% | 1.87% |
| Q4 2023 | $537.7M | $791.7M | 52.53% | 6.59% | 1.87% |
| Q1 2024 | $547.7M | $832.1M | 52.94% | 7.45% | 1.61% |
| Q2 2024 | $555.2M | $835.7M | 52.85% | 7.29% | 1.68% |
| Q3 2024 | $568.0M | $865.4M | 51.95% | 8.08% | 1.63% |
| Q4 2024 | $586.8M | $880.8M | 52.41% | 9.46% | 1.73% |
| Q1 2025 | $591.9M | $867.2M | 52.47% | 8.59% | 1.61% |
| Q2 2025 | $651.7M | $848.8M | 55.74% | 8.22% | 1.69% |
| Q3 2025 | $678.1M | $877.4M | 56.50% | 7.53% | 1.67% |
| Q4 2025 | $693.4M | $904.5M | 56.46% | 7.66% | 1.67% |
| Q1 2026 | $682.1M | $901.3M | 56.20% | 7.87% | 1.64% |
| Q2 2026 | $697.7M | $891.1M | 58.36% | 7.93% | 1.46% |
Hometown Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Hometown Bank, N.A., freeSource: Call Report Schedule RC-C, 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 Hometown Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19603) · FFIEC NIC profile (RSSD 393953)