TellerScore

Headquartered in Galveston, Texas, HomeTown Bank, National Association is a national bank with $990.4M in total assets and $891.1M in deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1966.

HomeTown Bank, National Association has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 61% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 161st. Loan quality contributes the most (99/100, 0.04%); funding & liquidity contributes the least (57/100, 77% loans-to-deposits, 38% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Tier 1 leverage ratio: 11.33%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.04%
Earnings63/100
Return on assets (annualized): 1.07%
Funding & liquidity57/100
Loans ÷ deposits and uninsured-deposit share: 77.5% · 38.1% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.88%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (71 → 75), mostly because the earnings component improved by 15 points.

TellerScore
697275Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202470
Q4 202470
Q1 202572
Q2 202571
Q3 202572
Q4 202570
Q1 202672
Q2 202675
Tier 1 leverage ratio
5.00%8.17%11.33%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.54%
Q3 202410.61%
Q4 202410.55%
Q1 202510.75%
Q2 202510.96%
Q3 202510.99%
Q4 202510.58%
Q1 202610.90%
Q2 202611.33%
Noncurrent loans
0.03%0.09%0.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.14%
Q3 20240.08%
Q4 20240.03%
Q1 20250.08%
Q2 20250.07%
Q3 20250.07%
Q4 20250.13%
Q1 20260.14%
Q2 20260.04%
Return on assets
0.48%0.78%1.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.48%
Q3 20240.51%
Q4 20240.57%
Q1 20250.75%
Q2 20250.70%
Q3 20250.80%
Q4 20250.85%
Q1 20260.99%
Q2 20261.07%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$990.4M11.33%0.04%1.07%77.5%
Q1 202672$998.1M10.90%0.14%0.99%74.9%
Q4 202570$997.8M10.58%0.13%0.85%75.9%
Q3 202572$979.1M10.99%0.07%0.80%76.5%
Q2 202571$948.8M10.96%0.07%0.70%76.0%
Q1 202572$951.4M10.75%0.08%0.75%67.5%
Q4 202470$958.6M10.55%0.03%0.57%65.8%
Q3 202470$952.6M10.61%0.08%0.51%64.8%
Q2 202469$948.9M10.54%0.14%0.48%65.7%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.33%
56th
Total risk-based capital15.23%
69th
Problem loans0.04%
81st
Net charge-offs0.01%
44th
Return on assets1.07%
39th
Net interest margin3.79%
42nd
Efficiency ratio59.3%
59th
Loans to deposits77.5%
55th
Uninsured deposits38.1%
12th
Loan-loss reserves1.06%
34th
Texas ratio0.9%
71st

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Ciera BankBank Graham, TX66 out of 100, Moderate$992.9M11.1%1.22%vs
Tolleson Private BankBank Dallas, TX68 out of 100, Moderate$982.0M9.4%0.00%vs
Round Top State BankBank Round Top, TX80 out of 100, Strong$974.1M11.9%0.36%vs
Transpecos Banks, SSBBank Pecos, TX14 out of 100, Low$972.1M6.7%8.15%vs
First National Bank and Trust Company of WeatherfordBank Weatherford, TX42 out of 100, Below average$968.3M10.4%5.51%vs
Texas BankBank Henderson, TX70 out of 100, Strong$953.9M10.6%0.46%vs

Deposit insurance

Is my money safe at HomeTown Bank, National Association?

Yes. HomeTown Bank, National Association is an FDIC-insured institution (FDIC certificate #19603). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 38.1% of deposits ($339.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.33%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.23% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

HomeTown Bank, National Association lists 7 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
HomeTown Bank, National Association
Former names
Bank of Galveston, National Association
Type
National bank
FDIC certificate #
19603
RSSD ID
393953
Primary regulator
OCC
Holding company
Hometown Bancshares Inc
Established
June 27, 1966
Headquarters
1801 45th St, Galveston, TX 77550
Employees
115

Quick answers

HomeTown Bank, National Association: common questions

Is HomeTown Bank, National Association FDIC insured?

Yes. HomeTown Bank, National Association is an FDIC-insured institution (FDIC certificate #19603). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is HomeTown Bank, National Association's TellerScore?

75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has HomeTown Bank, National Association ever failed?

There is no failure record for FDIC certificate #19603 in the FDIC failed bank list.

How many branches does HomeTown Bank, National Association have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Galveston

InstitutionScoreAssetsCapitalProblem loansCompare
Synergy Federal Credit UnionCredit union San Antonio, TX86 out of 100, Very strong$334.2M15.8%0.29%vs
Gulf Coast Educators Federal Credit UnionCredit union Pasadena, TX77 out of 100, Strong$1.3B15.7%0.90%vs
Capital BankBank Jacinto City, TX77 out of 100, Strong$689.7M10.8%0.01%vs
Bank OZKBank Little Rock, AR76 out of 100, Strong$41.7B14.0%0.92%vs
Texas Gulf Bank, National AssociationBank Houston, TX76 out of 100, Strong$726.9M12.0%0.00%vs
Texas First BankBank Texas City, TX75 out of 100, Strong$2.3B10.0%0.17%vs