Hometown Bank, N.A.: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 2224.97 percentage points higher than in Q1 2026, at 3013.01%. Within Texas, Hometown Bank, N.A. is 230th of 345 on return on assets, 1.16% as of Q2 2026, below the middle of the field. Hometown Bank, N.A. reported 1.16% on return on assets for Q2 2026, 0.09 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.29% |
| Tier 1 risk-based capital ratio | 14.29% |
| Total risk-based capital ratio | 15.23% |
| Tier 1 leverage ratio | 11.33% |
| Equity capital to assets | 9.53% |
| Tangible equity to tangible assets | 9.53% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.04% |
| Non-performing assets ratio | 0.09% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 0.88% |
| Allowance for credit losses to loans | 1.06% |
| Reserve coverage of non-performing loans | 3013.01% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.16% |
| Return on equity | 12.32% |
| Net interest margin | 3.81% |
| Efficiency ratio | 58.10% |
| Yield on earning assets | 5.54% |
| Cost of funds | 1.90% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.30% |
| Core deposits to total deposits | 81.79% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.97% |
| Securities to assets | 23.29% |
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 | 17.09% | 17.09% | 18.13% | 10.94% | 0.51% |
| Q4 2023 | 16.89% | 16.89% | 17.95% | 10.69% | 0.45% |
| Q1 2024 | 16.98% | 16.98% | 18.04% | 10.80% | 0.46% |
| Q2 2024 | 16.24% | 16.24% | 17.24% | 10.54% | 0.47% |
| Q3 2024 | 16.00% | 16.00% | 17.05% | 10.61% | 0.54% |
| Q4 2024 | 15.66% | 15.66% | 16.68% | 10.55% | 0.69% |
| Q1 2025 | 15.92% | 15.92% | 16.95% | 10.75% | 0.71% |
| Q2 2025 | 14.73% | 14.73% | 15.69% | 10.96% | 0.62% |
| Q3 2025 | 15.17% | 15.17% | 16.15% | 10.99% | 0.98% |
| Q4 2025 | 14.35% | 14.35% | 15.32% | 10.58% | 0.96% |
| Q1 2026 | 14.75% | 14.75% | 15.74% | 10.90% | 0.97% |
| Q2 2026 | 14.29% | 14.29% | 15.23% | 11.33% | 1.16% |
Hometown Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hometown Bank, N.A., 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 Hometown Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19603) · FFIEC NIC profile (RSSD 393953)