Is Hometown Bank National Assn Safe?
Hometown Bank National Assn has a Bank Health Score of 93/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (42/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 16.24% | 100/100 |
| Nonperforming Loan Ratio | 0.14% | 97/100 |
| Liquidity Ratio | 38.94% | 100/100 |
| Return on Assets | 0.56% | 42/100 |
| Total Assets | $0.9B | |
How does Hometown Bank National Assn compare?
With a Bank Health Score of 93/100, Hometown Bank National Assn sits 23.0 points above the national average of 70/100 for FDIC-insured banks. Within Texas, where 321 FDIC-insured banks are headquartered, Hometown Bank National Assn ranks above the state average of 74/100 (Grade B).
The bank's Tier 1 capital ratio of 16.24% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.14% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Hometown Bank National Assn's Bank Health Score fell by 1.0 points to 93/100. Tier 1 capital weakened by 0.86 percentage points to 16.24%.
Hometown Bank National Assn has a Bank Health Score of 93/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (42/100).