BlastPoint's Banking Scorecard
HomeBank Texas
Seagoville, TX
3 branches across TX
HomeBank Texas has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 38.6% in tier
- + ROA 0.66% above tier average
- + Efficiency Ratio 9.24% below tier average
- + Delinquency Rate 0.66% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 46.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$393.7M
+11.1% YoY
+4.6% QoQ
|
+$7.6M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
60% |
| Total Loans ? |
$290.0M
+2.1% YoY
-0.3% QoQ
|
+$34.3M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
66% |
| Total Deposits ? |
$342.1M
+11.0% YoY
+5.0% QoQ
|
+$14.1M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
61% |
| Return on Assets ? |
1.93%
+9.4% YoY
+3.1% QoQ
|
+0.66% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Top 14.2% in tier |
| Net Interest Margin ? |
4.65%
+8.5% YoY
+2.0% QoQ
|
+0.72% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Top 14.3% in tier |
| Efficiency Ratio ? |
56.05%
-1.6% YoY
-1.8% QoQ
|
-9.24% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
71% |
| Delinquency Rate ? |
0.23%
-81.0% YoY
-0.8% QoQ
|
-0.66% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
84.79%
-8.0% YoY
-5.0% QoQ
|
+8.15% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
38.88%
+7.5% YoY
-0.4% QoQ
|
+16.86% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 5.8% in tier |
| Nonperforming Asset Ratio ? |
0.64%
-34.9% YoY
-4.7% QoQ
|
+0.00% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
31% |
| Tier 1 Capital Ratio ? |
16.49%
+5.7% YoY
+6.2% QoQ
|
+0.66% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.05%
+1.9% YoY
-75.9% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
19% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.