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Home Bank, National Association
Lafayette, LA·FDIC Cert #28094·Charter: OCC·Est. 19080101.0·HC: HOME BCORP INC
Total Assets
$3.5B
Q4 2025
Return on Assets
1.41%
-0.01%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
58.49%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
56
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.41%-0.01
ROE
10.82%-0.14
Efficiency
58.49%+0.04
Equity/Assets
0.00%+0.00
NPL Ratio
1.26%+0.16
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
91.00%+1.24
Charge-offs
0.03%-0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.2 | 1.1 | 1.1 | 1.2 | 1.4 | 1.4 | 1.4 | 1.4 |
| ROE | 9.7 | 9.1 | 9.2 | 9.3 | 10.6 | 10.7 | 11.0 | 10.8 |
| Efficiency | 61.4 | 62.4 | 62.4 | 61.9 | 57.8 | 59.2 | 58.5 | 58.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.8 | 0.6 | 0.7 | 0.5 | 0.7 | 0.9 | 1.1 | 1.3 |
| Charge-offs | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 95.0 | 96.4 | 94.7 | 96.3 | 95.8 | 93.8 | 89.8 | 91.0 |
Balance Sheet
Total Assets$3.5B
Total Deposits$3.0B
Total Loans$2.7B
Total Equity$472.5M
Profitability
ROA1.41%
ROE10.82%
Efficiency Ratio58.49%
Net Income$49.1M
Risk & Asset Quality
NPL Ratio1.26%
Charge-off Rate0.03%
Loan/Deposit91.00%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans