Hometown Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Hometown Bank, N.A. of Galveston, 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 | 1.16% | 1.34% | -0.18% | 42nd below |
| ROAE Behind the peer average, ahead of the median peer. | 12.32% | 13.32% | -1.00% | 50th above |
| Net Interest Margin | 3.81% | 3.93% | -0.12% | 43rd below |
| Efficiency Ratio | 58.10% | 61.14% | -3.04% | 60th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.61% | 1.68% | -0.07% | 51st above |
| Yield on Earning Assets | 5.54% | 5.67% | -0.13% | 47th below |
| Cost of Funds | 1.90% | 1.88% | +0.02% | 43rd below |
| Net Interest Spread | 2.94% | 3.32% | -0.38% | 30th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.04% | 0.94% | -0.90% | 81st top |
| NPA / Total Assets | 0.09% | 0.70% | -0.61% | 71st above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 34th below |
| ACL / Total Loans | 1.06% | 1.28% | -0.22% | 33rd below |
| ACL / NPLs (Coverage) | 3013.01% | 1537.12% | +1475.89% | — |
| Texas Ratio | 0.88% | 7.34% | -6.46% | 74th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 217.39% | 1397.21% | -1179.82% | 60th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.29% | 19.51% | -5.22% | 42nd below |
| Tier 1 Ratio | 14.29% | 19.54% | -5.25% | 42nd below |
| Total Capital Ratio | 15.23% | 20.63% | -5.40% | 40th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.33% | 12.14% | -0.81% | 56th above |
| Equity / Assets | 9.53% | 11.38% | -1.85% | 37th below |
| TCE / Tangible Assets | 9.53% | 11.09% | -1.56% | 40th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.30% | 80.64% | -2.34% | 55th above |
| Core Deposit Ratio | 81.79% | 86.87% | -5.08% | 20th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.39% | 6.85% | -2.46% | 50th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.07% | 7.90% | -0.83% | 60th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.99% | 6.29% | -1.30% | 57th above |
See Hometown Bank, N.A.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Hometown Bank, N.A., 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 Hometown Bank, N.A. profile, how to read a UBPR, or how this data updates.