HomeTown Bank, National Association: how it compares with its peers
Against 108 TX banks with half to twice its assets, HomeTown Bank, National Association's strongest measure in Q2 2026 is assets per employee ($8.6M vs. a $8.2M peer median). Its weakest relative measure is return on assets (1.07% vs. 1.42%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.07% | 1.42% | Bottom third Ahead of 27% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.79% | 4.13% | Middle third Ahead of 35% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.33% | 60.63% | Middle third Ahead of 55% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.6M | $8.2M | Middle third Ahead of 56% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.47% | 77.91% | Context |
What it means for lending operations
Its efficiency ratio of 59.33% is better than the 60.63% 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
- Ciera Bank Graham, TX · $993M
- Tolleson Private Bank Dallas, TX · $982M
- Round Top State Bank Round Top, TX · $974M
- Transpecos Banks, SSB Pecos, TX · $972M
- First National Bank and Trust Company of Weatherford Weatherford, TX · $968M
- Clear Fork Bank, National Association Albany, TX · $1.03B
Questions about HomeTown Bank, National Association
How big is HomeTown Bank, National Association?
HomeTown Bank, National Association, established in 1966, is headquartered in Galveston, TX. It reported $990M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is HomeTown Bank, National Association's return on assets?
1.07% annualized in Q2 2026, against a 1.42% median for 108 TX banks with half to twice its assets, ahead of 27% of them.
What is HomeTown Bank, National Association's efficiency ratio?
59.33% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 60.63%, and lower is better.
Is HomeTown Bank, National Association growing its loans?
Net loans grew 7.1% over the year to Q2 2026, while deposits grew 5.0%.
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.