Home Bank

What sets Home Bank apart

How large is Home Bank?

The balance sheet of Home Bank at Q2 2026: assets $3.6 bn, deposits $3.1 bn, net loans $2.7 bn (loans equal to 89.21% of deposits). Securities make up 11.4% of total assets at Home Bank. Since Q1 2016, when Home Bank held $1.5 bn, its assets grew 133.5%. In the year to Q2 2026, deposits at Home Bank rose 5.7% while its total assets rose 3.5%. At Q2 2026, Home Bank employed 492 full-time equivalent staff across 44 offices, about $7.3 mn of assets per employee and $70.0 mn of deposits per office.

How much funding at Home Bank is uninsured?

At Home Bank, uninsured deposits (above the FDIC limit) made up 31.16% of domestic deposits at Q2 2026 (+0.69 pp on a year earlier); Home Bank ranks 296th of 500 on this measure. In dollars, Home Bank estimated $959.4 mn of uninsured deposits.

Key facts, Q2 2026

US rank of Home Bank: 1 = highest unless marked 1 = lowest.

The CET1 ratio of Home Bank stood at 14.41% in Q2 2026, +0.96 pp year on year. Low and high at Home Bank since Q1 2016: 11.03% (Q1 2022) to 14.82% (Q2 2021). Equity capital of Home Bank at Q2 2026: $488.4 mn, or 13.6% of total assets. Home Bank also reported a total capital ratio of 15.61% for Q2 2026, and a tier 1 leverage ratio of 12.11%.

On held-to-maturity securities, Home Bank carried an unrealized gain of $1,000 at Q2 2026, equal to 0.0% of equity capital. The gain was unchanged over the year. Its deepest point: $74,000 in Q3 2018. The available-for-sale portfolio of Home Bank showed an unrealized loss of $25.0 mn at Q2 2026; the loss narrowed by $5.1 mn over the year.

For the year to Q2 2026, Home Bank earned a return on equity of 10.17%; return on assets: 1.38%. Net interest margin at Home Bank: 4.41%, +0.21 pp in a year. Home Bank net income: $24.5 mn, up 3.0% year on year. The efficiency ratio of Home Bank was 58.79%: about 59 cents cost per revenue dollar, against 56 cents at the median peer.

At Q2 2026, noncurrent loans were 0.95% of total loans at Home Bank; net charge-offs: 0.06% of average loans. Gross loans and leases at Home Bank: $2.8 bn, up 0.5% in a year.

The peer group of Home Bank is the 6 banks nearest to it by total assets at Q2 2026: 3 larger and 3 smaller. Of the peers, 2 share the charter type of Home Bank (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Louisiana. Against them, Home Bank shows CET1 ratio 14.41% against a peer median of 11.76%, return on equity 10.17% against a peer median of 11.91% and uninsured deposit share 31.16% against a peer median of 29.56%.

The FDIC history of Home Bank, oldest first; figures before and after each event are not like for like.

1. 6 December 2017. Absorbed St. Martin Bank and Trust Company (FDIC certificate 12610).
2. 26 March 2022. Absorbed Texan Bank, National Association (FDIC certificate 58671).

Large one-quarter moves at Home Bank

• Total assets at Home Bank changed by +40.4% in the quarter to 2017-12-31: Absorbtion - Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from St. Martin Bank and Trust Company.