No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $403.0M | $354.9M | $296.4M | $45.5M | $3.8M | 1.92% | 4.73% | 0.54% |
| Q1 2026 | $393.7M | $342.1M | $290.0M | $44.5M | $1.9M | 1.93% | 4.65% | 0.64% |
| Q4 2025 | $376.4M | $325.8M | $290.8M | $43.3M | $6.7M | 1.87% | 4.56% | 0.67% |
| Q3 2025 | $364.7M | $314.9M | $282.5M | $42.1M | $4.9M | 1.83% | 4.48% | 0.52% |
| Q2 2025 | $356.6M | $309.1M | $277.2M | $40.4M | $3.2M | 1.84% | 4.43% | 0.54% |
| Q1 2025 | $354.5M | $308.2M | $284.0M | $39.3M | $1.5M | 1.76% | 4.28% | 0.98% |
| Q4 2024 | $344.1M | $298.5M | $269.0M | $38.4M | $6.4M | 1.93% | 4.38% | 0.47% |
| Q3 2024 | $341.1M | $295.4M | $267.4M | $38.3M | $5.0M | 2.03% | 4.38% | 0.15% |
Loan mix (Q2 2026): real estate $268.3M · commercial $30.9M · consumer $1.5M · securities $16.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | HomeBank Texas | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.92% | 1.24% | — | |
Return on equity Annualized net income ÷ equity or net worth | 16.9% | 11.9% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.73% | 3.96% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner |
Peer lists, growth filters, CSV export, CRM push.
| 57.4% |
| 62.9% |
| — |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | HomeBank Texas | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | HomeBank Texas | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | HomeBank Texas | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | HomeBank Texas | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | HomeBank Texas | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
4 branches in 2 counties across 1 state (+0 vs 2024) · $309.1M branch deposits. Biggest market: Dallas, TX, ranked 63rd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Dallas, TX | 3 | $220.9M | 0.08% | 63rd |
| Rockwall, TX | 1 | $88.2M | 3.03% | 9th |
Texas: 306th with 0.02% · Dallas-Fort Worth-Arlington metro: 103rd, 0.05% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4