🏦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

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

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%

ROE

10.73%

Risk-Based Capital

15.74%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$849M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1994

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/8cc9c5fa-3d0e-4f0f-8a11-5ad73211078e"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: