🏦Bank Scorer

HOMETOWN BANK, NATIONAL ASSOCIATION

GALVESTON, TX · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1966FDIC #19,603
Satisfactory Same

Current rating · Exam: February 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.99%

Is this bank safe?

HOMETOWN BANK, NATIONAL ASSOCIATION holds a Satisfactory CRA rating (2024), and meets basic financial requirements (ROA +0.99%).

Institution Profile

FDIC BankFind

Address

1801 45th St, GALVESTON, TX

County

Galveston County

Established

June 27, 1966

Total Assets

$998M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 5, 2024

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Feb 2028(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$998M

Total Deposits

$901M

Net Loans

$675M

Net Income

$2M

ROA

0.99%

Above avg for Small banks. Peer avg: 0.44%

ROE

10.73%

Risk-Based Capital

15.74%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.99%Peer avg: 0.44%▲ Above avg
Risk-Based Capital15.74%Peer avg: 23.03%▼ Below avg
Mortgage Denial Rate10.44%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$849M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202347977.04%10.44%
20221,46877.93%9.81%
20212,76780.2%8.17%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam DateRatingExam Type
Feb 2024SatisfactoryIntermediate Small Bank
Nov 2020SatisfactoryIntermediate Small Bank
Aug 2017SatisfactoryIntermediate Small Bank

5 previous ratings locked — back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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