Home Bank, National Association
Lafayette, Louisiana, Lafayette County
$3.6B in total assets, the 374th largest of 4,309 US banks and 6th of 104 headquartered in Louisiana.
- FDIC certificate
- 28094
- Established
- 1908
- Owned by
- Home Bcorp Inc
- Primary regulator
- OCC
- Website
- www.home24bank.com
At a glance
Compared with 17 banks headquartered in Louisiana with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $3.6B | 76% | $1.3B | |
| Loans | $2.8B | 82% | $930M | |
| Deposits | $3.1B | 76% | $1.2B | |
| Return on assets | 1.41% | 65% | 1.17% | |
| Net interest margin | 4.41% | 71% | 4.14% | |
| Efficiency ratio | 58.8% | 25% | 68.1% | |
| Equity to assets | 13.56% | 76% | 11.08% | |
| Loans to deposits | 90% | 82% | 78% |
Growth
Total assets grew 5.5% a year over the last 5 years and 8.8% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Mar 2022 | Texan Bank, National Association Houston, TX | $455M |
| Dec 2017 | St. Martin Bank and Trust Company Saint Martinville, LA | $591M |
| Sep 2015 | Bank of New Orleans Metairie, LA | $347M |
| Feb 2014 | Britton & Koontz Bank, N.A. Natchez, MS | $301M |
| Jul 2011 | Guaranty Savings Bank Metairie, LA | $255M |
| Mar 2010 | Statewide Bank Covington, LA | $243M |
| Jun 2006 | Crowley Building and Loan Association Crowley, LA | $34M |
Where they operate
43 branches in 12 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Lafayette County, LA | $1.3B | 14.7% | 3 of 31 |
| Jefferson County, LA | $332M | 2.4% | 10 of 26 |
| St. Tammany County, LA | $292M | 3.7% | 8 of 26 |
| Adams County, MS | $195M | 26.6% | 1 of 6 |
| Harris County, TX | $181M | 0.1% | 52 of 87 |
| St. Martin County, LA | $173M | 19.8% | 3 of 6 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 13 branches since 2016 (30 to 43, +43.3%). 8 opened, 17 acquired, 12 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 30 | |||
| 2016 | Opened LafayetteClosed Lafayette and Metairie | 1 | 2 | −1 | 29 |
| 2017 | Acquired St. Martin Bank and Trust CompanyClosed Vicksburg | 12 | 1 | +11 | 40 |
| 2018 | Closed Crowley | 0 | 1 | −1 | 39 |
| 2019 | Opened 3 in LouisianaClosed Baton Rouge and New Orleans | 3 | 2 | +1 | 40 |
| 2021 | Closed Scott | 0 | 1 | −1 | 39 |
| 2022 | Acquired Texan Bank, National AssociationSold 1 branch to Delta Bank | 5 | 1 | +4 | 43 |
| 2023 | Closed Lafayette | 0 | 1 | −1 | 42 |
| 2024 | Opened 3 in TexasClosed Houston and Webster | 3 | 2 | +1 | 43 |
| 2026 through Q2 | Opened TomballClosed Houston | 1 | 1 | 0 | 43 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 44% | 32% | |
| 1-4 family residential | 20% | 27% | |
| Business (C&I) | 13% | 14% | |
| Construction and land | 11% | 9% | |
| Multifamily | 7% | 3% | |
| Consumer | 1% | 5% | |
| Agricultural | 1% | 1% | |
| Farmland | 0% | 2% | |
| Other | 2% | 6% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 49% | 43% | |
| Noninterest-bearing | 27% | 19% | |
| Time deposits | 24% | 38% |
Brokered deposits are 2.0% of deposits (peers 9.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.95% | 1.20% |
| Net charge-offs, annualized | 0.06% | 0.19% |
| Reserves to loans | 1.22% | 1.15% |
| Leverage ratio | 12.11% | 11.26% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Louisiana
Largest competitors in Lafayette County, LA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/home-bank-lafayette-la