HomeBank Texas: how it compares with its peers
Against 142 TX banks with half to twice its assets, HomeBank Texas's strongest measure in Q2 2026 is net interest margin (4.73% vs. a 4.18% peer median). Its weakest relative measure is efficiency ratio (57.39% vs. 61.04%).
| Measure | HomeBank Texas | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.92% | 1.44% | Top third Ahead of 77% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.73% | 4.18% | Top third Ahead of 80% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.39% | 61.04% | Middle third Ahead of 61% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.2M | $7.2M | Top third Ahead of 68% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.52% | 71.38% | Context |
What it means for lending operations
Its efficiency ratio of 57.39% is better than the 61.04% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Peoples State Bank of Hallettsville Hallettsville, TX · $396M
- Austin Capital Bank SSB Austin, TX · $395M
- The First National Bank of Stanton Stanton, TX · $395M
- TrustTexas Bank, SSB Cuero, TX · $393M
- Farmers State Bank Center, TX · $391M
- First Lockhart Bank Lockhart, TX · $416M
Questions about HomeBank Texas
How big is HomeBank Texas?
HomeBank Texas, established in 1952, is headquartered in Seagoville, TX. It reported $403M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is HomeBank Texas's return on assets?
1.92% annualized in Q2 2026, against a 1.44% median for 142 TX banks with half to twice its assets, ahead of 77% of them.
What is HomeBank Texas's efficiency ratio?
57.39% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 61.04%, and lower is better.
Is HomeBank Texas growing its loans?
Net loans grew 6.9% over the year to Q2 2026, while deposits grew 14.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.