HOMETOWN BANK NATIONAL ASSN
GALVESTON, TEXAS · FDIC Cert #19603
Capital & Safety Analysis
According to FDIC financial data, HOMETOWN BANK NATIONAL ASSN holds a Tier 1 capital ratio of 16.24%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning HOMETOWN BANK NATIONAL ASSN has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
HOMETOWN BANK NATIONAL ASSN shows strong financial health indicators. With $949M in assets and a Health Score of 93/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
HOMETOWN BANK NATIONAL ASSN has a Bank Health Score of A (93/100). It holds a Tier 1 capital ratio of 16.24%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
HOMETOWN BANK NATIONAL ASSN holds $949M in total assets and $836M in total deposits. It is located in GALVESTON, TEXAS (FDIC Certificate #19603).
HOMETOWN BANK NATIONAL ASSN has a Tier 1 capital ratio of 16.24%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.14%, and the return on assets is 0.56%.
Yes. HOMETOWN BANK NATIONAL ASSN is FDIC-insured (Certificate #19603). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.