BlastPoint's Banking Scorecard
HomeBank Texas
Micro
Specialty: Commercial
TX
FDIC cert 17094
Designations: ✓ Community bank
Seagoville, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
HomeBank Texas shows strong momentum with 1 strength and 9.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 16.64% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$376.4M
+9.4% YoY
+3.2% QoQ
|
+$158.9M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
85% |
| Total Loans ? |
$290.8M
+8.1% YoY
+2.9% QoQ
|
+$151.6M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 9% in tier |
| Total Deposits ? |
$325.8M
+9.1% YoY
+3.5% QoQ
|
+$142.1M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 14% in tier |
| Return on Assets ? |
1.87%
-2.8% YoY
+2.2% QoQ
|
+0.79% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 13% in tier |
| Net Interest Margin ? |
4.56%
+3.9% YoY
+1.6% QoQ
|
+0.70% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
81% |
| Efficiency Ratio ? |
57.05%
+8.0% YoY
-0.4% QoQ
|
-10.68% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
76% |
| Delinquency Rate ? |
0.23%
-60.6% YoY
+930.7% QoQ
|
-0.41% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
89.27%
-0.9% YoY
-0.5% QoQ
|
+14.74% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
39.03%
+6.3% YoY
+0.9% QoQ
|
+16.64% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 8% in tier |
| Nonperforming Asset Ratio ? |
0.67%
+43.3% YoY
+27.8% QoQ
|
+0.22% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
29% |
| Tier 1 Capital Ratio ? |
15.53%
-5.7% YoY
-5.1% QoQ
|
+6.68% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.21%
-7.4% YoY
+30.6% QoQ
|
-0.35% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
25% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 8%
in Micro
Why this stands out
Current:
39.03%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 39.03% · Tier avg: 22.39%
91
91th pctile
Total Loans
Current: $290.8M · Tier avg: $139.2M
87
87th pctile
Return on Assets
Current: 1.87% · Tier avg: 1.08%
86
86th pctile
Total Deposits
Current: $325.8M · Tier avg: $183.7M
85
85th pctile
Total Assets
Current: $376.4M · Tier avg: $217.5M
81
81th pctile
Net Interest Margin
Current: 4.56% · Tier avg: 3.85%
76
76th pctile
Efficiency Ratio
Current: 57.05% · Tier avg: 67.73%
74
74th pctile
Tier 1 Capital Ratio
Current: 15.53% · Tier avg: 8.85%
59
59th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.64%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.67% · Tier avg: 0.45%
25
25th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
24
24th pctile
Loan-to-Deposit Ratio
Current: 89.27% · Tier avg: 74.53%
Top Weaknesses
24
24th pctile
Loan-to-Deposit Ratio
Current: 89.27% · Tier avg: 74.53%
25
25th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.67% · Tier avg: 0.45%
59
59th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.64%
74
74th pctile
Tier 1 Capital Ratio
Current: 15.53% · Tier avg: 8.85%
76
76th pctile
Efficiency Ratio
Current: 57.05% · Tier avg: 67.73%
81
81th pctile
Net Interest Margin
Current: 4.56% · Tier avg: 3.85%
85
85th pctile
Total Assets
Current: $376.4M · Tier avg: $217.5M
86
86th pctile
Total Deposits
Current: $325.8M · Tier avg: $183.7M
87
87th pctile
Return on Assets
Current: 1.87% · Tier avg: 1.08%
91
91th pctile
Total Loans
Current: $290.8M · Tier avg: $139.2M
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 39.03% · Tier avg: 22.39%