Home Bank National Assn (FDIC #28094): Bank Stress & Real-Estate Credit Exposure

Home Bank National Assn (FDIC Cert #28094): bank stress 50/100, moderate, STABLE over 7 days; parent HOME BCORP INC.

Home Bank National Assn (#28094) lends in 12 counties across 3 states; Home Bank National Assn (#28094) reaches 311 ZIP codes: Louisiana 8 counties, 124 ZIPs; Texas 3 counties, 185 ZIPs; Mississippi 1 county, 2 ZIPs.

Home Bank National Assn (#28094) largest markets: Harris County, TX (572 branches, 143 ZIPs) (#28094), Fort Bend County, TX (35 branches, 35 ZIPs) (#28094), East Baton Rouge County, LA (112 branches, 28 ZIPs) (#28094), Orleans County, LA (40 branches, 20 ZIPs) (#28094), Galveston County, TX (19 branches, 19 ZIPs) (#28094), St. Tammany County, LA (108 branches, 18 ZIPs) (#28094).

Home Bank National Assn (#28094) reports $3.60 billion in total assets; Home Bank National Assn (#28094) equity $488.4 million (13.6% of Home Bank National Assn (#28094) assets); Home Bank National Assn (#28094) domestic deposits $3.08 billion; Home Bank National Assn (#28094) net income $24.5 million; Home Bank National Assn (#28094) return on assets 1.38%; Home Bank National Assn (#28094) return on equity 10.17%; Home Bank National Assn (#28094) net interest income $72.0 million; Home Bank National Assn (#28094) call report June 30, 2026.

Home Bank National Assn (#28094) noncurrent real-estate loans 0.03% of its book; Home Bank National Assn (#28094) net charge-offs on real estate 1.03%; Home Bank National Assn (#28094) multifamily charge-offs 0.65%; Home Bank National Assn (#28094) residential charge-offs 0.83%.

Home Bank National Assn (#28094) net interest margin 4.41% against an eight-quarter Home Bank National Assn (#28094) average of 4.19% (Home Bank National Assn (#28094) compression -0.22 points); Home Bank National Assn (#28094) real-estate loans 2.7% of equity; Home Bank National Assn (#28094) non-residential real estate 82.9% of equity; Home Bank National Assn (#28094) rate-exposure score 40/100, Home Bank National Assn (#28094) fixed-rate trap 40/100; Home Bank National Assn (#28094) risk type credit driven; Home Bank National Assn (#28094) rate regime rates elevated, Home Bank National Assn (#28094) snapshot October 20, 2026.

Home Bank National Assn (#28094) stress score moved from 48.5 on June 22, 2026 to 50.4 on October 20, 2026; Home Bank National Assn (#28094) ranged 48.5 to 50.4 over 117 snapshots.

Home Bank National Assn (#28094) alerts: 11 counties; top Home Bank National Assn (#28094) alert scores: Webster County, LA 35 (low); Baton Rouge County, LA 18 (low); Crowley County, LA 18 (low); Friendswood County, LA 18 (low); Natchez County, LA 18 (low).