BlastPoint's Banking Scorecard
HomeTown Bank, National Association
Community
Specialty: Commercial
TX
FDIC cert 19603
Galveston, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
HomeTown Bank, National Association has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 3% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 19% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$997.8M
+4.1% YoY
+1.9% QoQ
|
-$393.6M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
50% |
| Total Loans ? |
$686.0M
+18.3% YoY
+2.3% QoQ
|
-$289.4M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
48% |
| Total Deposits ? |
$904.5M
+2.7% YoY
+3.1% QoQ
|
-$260.2M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
54% |
| Return on Assets ? |
0.85%
+50.3% YoY
+6.1% QoQ
|
-0.31% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
28% |
| Net Interest Margin ? |
3.37%
+28.5% YoY
+3.8% QoQ
|
-0.30% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
34% |
| Efficiency Ratio ? |
64.51%
-14.7% YoY
-2.4% QoQ
|
+1.88% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
43% |
| Delinquency Rate ? |
0.13%
+339.3% YoY
+90.5% QoQ
|
-0.50% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
75.85%
+15.2% YoY
-0.8% QoQ
|
-7.21% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
27.83%
-12.8% YoY
+3.4% QoQ
|
+6.79% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.09%
+399.4% YoY
+91.1% QoQ
|
-0.41% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
80% |
| Tier 1 Capital Ratio ? |
14.35%
-8.3% YoY
-5.4% QoQ
|
+4.11% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.22%
+3.4% YoY
+32.0% QoQ
|
-0.52% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 14% in tier |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#12 of 371 · Top 3% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.13%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Concerns (1)
Credit Quality Pressure
risk
#154 of 808 · Bottom 19% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.13%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
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
80
80th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 27.83% · Tier avg: 21.05%
78
78th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.63%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.35% · Tier avg: 10.24%
70
70th pctile
Loan-to-Deposit Ratio
Current: 75.85% · Tier avg: 83.06%
54
54th pctile
Total Deposits
Current: $904.5M · Tier avg: $1.2B
50
50th pctile
Total Assets
Current: $997.8M · Tier avg: $1.4B
48
48th pctile
Total Loans
Current: $686.0M · Tier avg: $975.5M
43
43th pctile
Efficiency Ratio
Current: 64.51% · Tier avg: 62.63%
34
34th pctile
Net Interest Margin
Current: 3.37% · Tier avg: 3.66%
28
28th pctile
Return on Assets
Current: 0.85% · Tier avg: 1.16%
14
14th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.74%
Top Weaknesses
14
14th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.74%
28
28th pctile
Return on Assets
Current: 0.85% · Tier avg: 1.16%
34
34th pctile
Net Interest Margin
Current: 3.37% · Tier avg: 3.66%
43
43th pctile
Efficiency Ratio
Current: 64.51% · Tier avg: 62.63%
48
48th pctile
Total Loans
Current: $686.0M · Tier avg: $975.5M
50
50th pctile
Total Assets
Current: $997.8M · Tier avg: $1.4B
54
54th pctile
Total Deposits
Current: $904.5M · Tier avg: $1.2B
70
70th pctile
Loan-to-Deposit Ratio
Current: 75.85% · Tier avg: 83.06%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.35% · Tier avg: 10.24%
78
78th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.63%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 27.83% · Tier avg: 21.05%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%