Home Banking Co (FDIC #9196): Bank Stress & Real-Estate Credit Exposure

Home Banking Co (FDIC Cert #9196): bank stress 86/100, severe, STABLE over 7 days; parent HOME BANCSHARES INC (HOMB).

Home Banking Co (#9196) lends in 3 counties across 2 states; Home Banking Co (#9196) reaches 28 ZIP codes: Tennessee 2 counties, 23 ZIPs; Mississippi 1 county, 5 ZIPs.

Home Banking Co (#9196) largest markets: Mcnairy County, TN (45 branches, 15 ZIPs) (#9196), Hardin County, TN (14 branches, 14 ZIPs) (#9196), Alcorn County, MS (5 branches, 5 ZIPs) (#9196).

Home Banking Co (#9196) reports $124.0 million in total assets; Home Banking Co (#9196) equity $11.1 million (9.0% of Home Banking Co (#9196) assets); Home Banking Co (#9196) domestic deposits $111.5 million; Home Banking Co (#9196) net income $262,000; Home Banking Co (#9196) return on assets 0.42%; Home Banking Co (#9196) return on equity 4.81%; Home Banking Co (#9196) net interest income $2.1 million; Home Banking Co (#9196) call report June 30, 2026.

Home Banking Co (#9196) noncurrent real-estate loans: none reported; Home Banking Co (#9196) net charge-offs on real estate 1.72%.

Home Banking Co (#9196) net interest margin 3.69% against an eight-quarter Home Banking Co (#9196) average of 3.11% (Home Banking Co (#9196) compression -0.59 points); Home Banking Co (#9196) rate-exposure score 40/100, Home Banking Co (#9196) fixed-rate trap 40/100; Home Banking Co (#9196) risk type credit driven; Home Banking Co (#9196) rate regime rates elevated; Home Banking Co (#9196) shares 7.0% below the 52-week high, Home Banking Co (#9196) equity trend stable, Home Banking Co (#9196) snapshot October 19, 2026.

Home Banking Co (#9196) stress score moved from 82.4 on June 22, 2026 to 85.8 on October 20, 2026; Home Banking Co (#9196) ranged 82.4 to 85.8 over 117 snapshots.

Home Banking Co (#9196) alerts: 3 counties; top Home Banking Co (#9196) alert scores: Corinth County, TN 27 (low); Savannah County, TN 27 (low); Selmer County, TN 27 (low).