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Homebank Texas
Seagoville, TX · FDIC Certificate #17094 · Chartered 04/0
Total assets
$403.02M
Total deposits
$354.88M
Total equity
$45.45M
Net loans
$296.39M
Branches (offices)
3
Net income (YTD)
$3.76M
Rank: #2,049 of 4,213 U.S. banks by assets · #178 of 346 in Texas. Assets changed 13.0% and deposits 14.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.92% |
| Return on equity | 16.93% |
| Net interest margin (YTD) | 4.73% |
| Equity to assets | 11.28% |
| Tier 1 leverage ratio | 11.59% |
| Uninsured deposits (share of deposits) | 44.2% |
| Noncurrent loans (share of loans) | 0.11% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 83.5% |
| Real estate loans (share of loans) | 90.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $268.34M | 90.5% | |
| Commercial & industrial | $30.93M | 10.4% | |
| Consumer / individual | $1.52M | 0.5% | |
| Construction & development | $45.40M | 15.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $300.60M | $271.62M | $2.53M | $27.93M |
| Jun 2023 | $316.50M | $273.13M | $3.37M | $32.07M |
| Jun 2024 | $327.33M | $283.55M | $3.25M | $36.76M |
| Jun 2025 | $356.63M | $309.10M | $3.24M | $40.40M |
| Jun 2026 | $403.02M | $354.88M | $3.76M | $45.45M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $354.88M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $354.88M.
Similar-sized banks
Forte Bank ($404.49M) · First Citizens Bank ($402.58M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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