Hometown Bank National Assn (FDIC #19603): Bank Stress & Real-Estate Credit Exposure
Hometown Bank National Assn (FDIC Cert #19603): bank stress 71/100, elevated, STABLE over 7 days; parent HOMETOWN BANCSHARES INC.
Hometown Bank National Assn (#19603) lends in 3 counties across 1 state; Hometown Bank National Assn (#19603) reaches 177 ZIP codes: Texas 3 counties, 177 ZIPs.
Hometown Bank National Assn (#19603) largest markets: Harris County, TX (143 branches, 143 ZIPs) (#19603), Brazoria County, TX (42 branches, 21 ZIPs) (#19603), Galveston County, TX (76 branches, 19 ZIPs) (#19603).
Hometown Bank National Assn (#19603) reports $990.4 million in total assets; Hometown Bank National Assn (#19603) equity $94.4 million (9.5% of Hometown Bank National Assn (#19603) assets); Hometown Bank National Assn (#19603) domestic deposits $891.1 million; Hometown Bank National Assn (#19603) net income $5.3 million; Hometown Bank National Assn (#19603) return on assets 1.07%; Hometown Bank National Assn (#19603) return on equity 11.54%; Hometown Bank National Assn (#19603) net interest income $18.2 million; Hometown Bank National Assn (#19603) call report June 30, 2026.
Hometown Bank National Assn (#19603) noncurrent real-estate loans: none reported; Hometown Bank National Assn (#19603) net charge-offs on real estate 0.04%.
Hometown Bank National Assn (#19603) net interest margin 3.79% against an eight-quarter Hometown Bank National Assn (#19603) average of 3.18% (Hometown Bank National Assn (#19603) compression -0.62 points); Hometown Bank National Assn (#19603) rate-exposure score 40/100, Hometown Bank National Assn (#19603) fixed-rate trap 40/100; Hometown Bank National Assn (#19603) risk type credit driven; Hometown Bank National Assn (#19603) rate regime rates elevated, Hometown Bank National Assn (#19603) snapshot October 20, 2026.
Hometown Bank National Assn (#19603) stress score moved from 71.6 on June 22, 2026 to 70.7 on October 20, 2026; Hometown Bank National Assn (#19603) ranged 70.7 to 71.6 over 117 snapshots.
Hometown Bank National Assn (#19603) alerts: 3 counties; top Hometown Bank National Assn (#19603) alert scores: Friendswood County, TX 22 (low); League City County, TX 22 (low); Pearland County, TX 22 (low).