Hometown Bank, N.A.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Cost of borrowings, which rose 0.60 percentage points to 4.36%. Within Texas, Hometown Bank, N.A. is 224th of 345 on net interest margin, 3.81% as of Q2 2026, below the middle of the field. Hometown Bank, N.A. reported 3.81% on net interest margin for Q2 2026, 0.14 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.54% |
| Yield on loans | 6.81% |
| Yield on securities | 2.36% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.90% |
| Cost of interest-bearing deposits | 2.60% |
| Cost of interest-bearing liabilities | 2.60% |
| Cost of borrowings | 4.36% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.81% |
| Yield to cost spread | 2.94% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.7M |
| Total interest expense | $4.2M |
| Interest expense on deposits | $4.2M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.25% | 1.63% | 2.76% | 5.76% | 2.17% |
| Q4 2023 | 4.50% | 2.23% | 2.46% | 5.97% | 2.23% |
| Q1 2024 | 4.60% | 2.11% | 2.57% | 6.07% | 2.16% |
| Q2 2024 | 4.65% | 2.40% | 2.48% | 6.15% | 2.25% |
| Q3 2024 | 4.71% | 2.49% | 2.46% | 6.30% | 2.02% |
| Q4 2024 | 4.95% | 2.30% | 2.78% | 6.50% | 2.22% |
| Q1 2025 | 4.86% | 2.07% | 2.94% | 6.37% | 2.22% |
| Q2 2025 | 5.19% | 2.13% | 3.24% | 6.64% | 2.09% |
| Q3 2025 | 5.42% | 2.21% | 3.41% | 6.86% | 2.05% |
| Q4 2025 | 5.51% | 2.05% | 3.64% | 6.89% | 2.09% |
| Q1 2026 | 5.48% | 1.91% | 3.73% | 6.78% | 2.21% |
| Q2 2026 | 5.54% | 1.90% | 3.81% | 6.81% | 2.36% |
Hometown Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hometown Bank, N.A., freeSource: Call Report Schedules RI and RC-K, 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)