Side-by-side · Q2 2026 data
HomeBank Texas vs American First National Bank
Metric by metric
| Measure | HomeBank Texas | American First National Bank |
|---|---|---|
| TellerScore | 79 | 87 (stronger) |
| Capital cushion | 66 | 94 (stronger) |
| Loan quality | 96 (stronger) | 86 |
| Earnings | 97 | 100 (stronger) |
| Funding & liquidity | 44 | 54 (stronger) |
| Problem-loan coverage | 91 (stronger) | 90 |
| Peer percentile | 75th | 98th |
| Total assets | $403.0M | $2.9B |
| Deposits / shares | $354.9M | $2.4B |
| Capital ratio | 11.59% | 14.38% (stronger) |
| Problem loans | 0.11% (stronger) | 0.42% |
| Net charge-offs | 0.00% (stronger) | 0.08% |
| Return on assets | 1.92% | 2.13% (stronger) |
| Loans ÷ deposits | 83.5% (stronger) | 97.8% |
| Uninsured deposits | 44.2% | 22.7% (stronger) |
| Offices | 3 | 20 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.3% | 3.4% |
American First National Bank has the higher TellerScore (87 vs 79). On the 7 directional measures above (where higher or lower is clearly better), HomeBank Texas leads on 3 and American First National Bank on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.