# HOMEBANK TEXAS
SEAGOVILLE, TX · FDIC certificate 17094 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $403.0M | |
| Deposits | $354.9M | |
| Loans and leases | $300.9M | |
| Total equity | $45.5M | |
| Loans / deposits | 83.52% (p54 of band) | 82.04% |
| Liquid assets / assets | 22.27% (p40 of band) | |
| Uninsured deposits / deposits | 44.24% (p91 of band) | 25.97% |
| Brokered deposits | 2.98% | |
| Wholesale funding | 2.98% (p48 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.59% (p63 of band) | 10.81% |
| Unrealized securities loss / equity | -3.89% (p68 of band) | -8.10% |
| AOCI / equity | 0.13% (p85 of band) | |
| ROA (annualized) | 1.92% (p84 of band) | 1.28% |
| Net interest margin | 4.73% (p88 of band) | 3.91% |
| Efficiency ratio | 57.39% (p38 of band) | |
| Noncurrent loans | 0.11% (p24 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p44 of band) | |
| Reserve coverage of noncurrent | 1386.11% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 99.89% (p87 of band) | |
| Auto loans | $533,000 (0.18% of loans; DQ 1.50%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 14.8% | |
| Employees | 49 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 1 | capital falling | reserve under noncurrent |
| 2012-06 | 1 | uninsured deposits leaving | capital falling |
| 2012-09 | 3 | losing money, expense ratio p90 |  |
| 2012-12 | 3 | capital falling | expense ratio p90 |
| 2013-03 | 1 |  | uninsured deposits leaving, losing money |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | reserve under noncurrent |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | noncurrent p90 |  |
| 2016-09 | 1 |  | noncurrent p90 |
| 2016-12 | 1 | charge-offs p90 | reserve under noncurrent |
| 2017-03 | 0 |  | charge-offs p90 |
| 2017-06 | 1 | construction >100% equity |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | construction >100% equity |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 1 | construction >100% equity | capital falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | construction >100% equity |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | construction >100% equity |  |
| 2026-03 | 2 | capital falling |  |
| 2026-06 | 0 |  | construction >100% equity, capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-09-26 [HomeBank Texas celebrates Grand Opening of New Seagoville Headquarters with Open House & Ribbon Cutting - blueribbonnews.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxOTmdWMG9HOXd1SWJnel9keFRYN2FJMjE0VThVRUF4MWtua2d1bENYSzZYNFNCUzJ1aU44Qy0zeUpxNjFvY0xwcnNDT1FscXQxQVYxaF92SGN6V2pQc0VGemhxTWNVclRJWVFYMVo0MU1KbGMzWWNWRUhwLTg5LTVVcjEyRzc0cno5RlBrS0VMYVlSQ21tYVFLSzZmMkhoNGlVU1o3UldXLTBKbXBqY1JNekZUdnRNQ3FFTXBFbFN5QzEtOUNFU3pVRnVTbW0xRmxwYjA4?oc=5) · blueribbonnews.com
- 2025-02-11 [HomeBank Texas: Committed to Community, Invested in You - blueribbonnews.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxOUE41ZFJUa05uaGpBekUzMDhuLUpvb2Y2RWN5SW42OGpsM1ZHMzJxWTBMY3RUenIxdTlZR1hCNDVNRW10UUJpNmVSOGNURl9UUGJ4Z08tRW9pZlhVVzNtdUJXcVZ2NE0zZzItOVBNenZFTEpjYWZBb1hUNTVQZXRkOHZYVDlua2hkRHpXaW9QRmJUMEU?oc=5) · blueribbonnews.com
- 2019-08-09 [JT McDonald Obituary (1946 - 2019) - Dallas News](https://news.google.com/rss/articles/CBMingFBVV95cUxNdGh4ckIxTEZQSUJIY0xzcGtqQVR6ZUxndkhVbkh5WXBFY0NrUjBSemFuMzJreXBzSjVwalZUbEV1MnBwN3k1dFQ4S0N4Z095MnMwckRaQWt2ZFdWampIak9pS2dsSkZ5UHJ3a2dfaWtNdXEtR3JvTmxuWFNPS3RHRkpSZktTNWFkQVJIYVBGeTkyOTk3eUNvVEVQZG5WUQ?oc=5) · Dallas News
- 2025-12-11 [HomeBank Texas welcomes Kathleen Evans as new Business Development Officer - blueribbonnews.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxPTjAtZk5VREdlRl9fd2FSM2VVbm1Rd2s5WmJxZWpISzVEZEMweXYwaGt0TmFid05CRmR2SXhXX1ozV3QtUWtGanBCTFIzM29LVGRrdkxZb1hLYktfZVNjeEoxMGotQkxTTEJ3OVV6QWdDTTRaNnFjV1dhSjVJT1RKR3NLWVFZRXAzQTJtdkRqazc5YjBRU1ZQd2JhYkl6ckpFendWTmZqWGNJbkx6NHNr?oc=5) · blueribbonnews.com
- 2025-08-13 [HomeBank Texas announces transformational gift to J.E.R. Chilton YMCA at Rockwall Capital Campaign - blueribbonnews.com](https://news.google.com/rss/articles/CBMizgFBVV95cUxQVWxwT2JocXMzeVBnVnpVSkp5dVhON2RkLTdXdGJKWlhESXp2NmluRVZiZ2ZCdE95ZVFvS3NhUGVrQlRzR3pqX2pkTGdfTlVoQUlWMnAxSFowYkV6cTBodGROTVhCN2hDRUZNYlUwOU5vMlVMbHpDMW90YzQ3WE9TSHpjclNFVGJzQWQ0dUVOcy1JTnQ4eTVPZWxYVjktcTdGX0FNSDJtUXc3TFFDZUlnOUlpaU5RTlQtcGs3WHk4ZWRGdGtOd2JFb2hpdERyZw?oc=5) · blueribbonnews.com
- 2025-10-07 [HomeBank Texas presents $500,000 gift for future of Rockwall’s YMCA - blueribbonnews.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxNbDFRU3JYTDk0MktxTnpkZ0dvRi00RHQ0U3c0UkRIYTI2OWpKV2tRSXVUQl92S2U0SHFtZ1p6TVFqWXdFUEl1T3ZPWnQxTGJBbjBkSk1KaVZYMWQ5cnNteEZLblRTank3RnhfeFZLcTBVbE5JUlFMN2cyUW9NRXpyaVlrRWpGTzhZRTZ5ZDhidi1qRkFqY1dYLTVJUklTc1AtOVE?oc=5) · blueribbonnews.com
- 2024-09-24 [Meet HomeBank’s new Chief Lending Officer, Eric Stacey of Heath - blueribbonnews.com](https://news.google.com/rss/articles/CBMingFBVV95cUxPRlZzZ1p4cm03MFhrZFdidFJ6OXpJcm5DcVhpZ3hMXzdvMHZxb1JtNHhNNW1sUkFsR3VobHNhODRoSFdyNTFnWnY3VEVXRk1IN2dDTFZKTVpXRmVVQ0pDWVdxNFRSYjQtbWxFdldFNm44VmZDQ0M1YXJPb1pjdlJ0cmJtRERJTnktRlhYTUcydE5SSGlzRERVdGZJZkNpUQ?oc=5) · blueribbonnews.com
- 2024-09-03 [HomeBank Texas names Eric Stacey Chief Lending Officer - blueribbonnews.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPYy1ZNVMzZmNWSWd1Vm5veGJlYWhlN29rRVhTY0ZWM1Zza0dJdGVJODdsaldoUjFsSklSU1g5UnU5U1AtYjRrY01aQU02aWZkdkx1WGtCa3Zld0d3dkRISlplMDJXTmIyM1BiaDRoZjI1Wkw1Ry1ZZFJReUhqUnNXOE44QzlHRFRWb1hfU0dpNTlMYzhH?oc=5) · blueribbonnews.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17094 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/6.json (key "17094", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide