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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Louisiana, the state note

Home Bank National Association

Lafayette, Louisiana · $3.60B in assets · beside the 5 other Louisiana banks between $3B and $10B

The filing

13.6%
Equity / assets
1st of 6
+0.5%
Loans, year over year
5th of 6, largest first
1.37%
ROA
2nd of 6

Home Bank National Association is the fifth largest of the 6 Louisiana banks between $3B and $10B, with $3.60B in assets at 30 June 2026. Loans are 90.3% of deposits, 4th of 6 against a median of 87.8%, and equity is 13.6% of assets, the highest in the cohort. Loans grew +0.5% in the year, 5th of 6, and deposits grew 5.7%; the cohort's median loan growth is +7.9%.

Noncurrent loans are 0.95% of the book, 3rd of 6 against a median of 1.11%; 0.23% is 30 to 89 days past due, and the allowance covers them 1.3 times. Commercial real estate is 34.3% of loans, 4th of 6 against a median of 32.3%, and 208% of capital, below the 300% screen, with construction at 69% against the 100% screen.

Return on assets is 1.37%, 2nd of 6 against a median of 1.19%, on an efficiency ratio of 59.3%, 2nd of 6. Five years ago it was 1.71%. The question is what the capital is for: the balance sheet carries less risk than it could.

Equity as a share of assetsLA banks $3B to $10B · 30 June 2026 · higher is stronger, listed first
median 11.4% HB Home Bank National Association 13.6% B B1bank 12.2% IB Investar Bank National Association 11.5% RR Red River Bank 11.3% GC Gulf Coast Bank & Trust Co. 8.4% FG First Guaranty Bank 6.7%
Loans, year over yearLA banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +7.9% IB Investar Bank National Association +45.3% GC Gulf Coast Bank & Trust Co. +11.4% B B1bank +10.2% RR Red River Bank +5.7% HB Home Bank National Association +0.5% FG First Guaranty Bank -26.8%

SBA 7(a), FY2008 to FY2026

Home Bank National Association is the 47th largest 7(a) lender into Texas of 706, with $246M across 177 loans, 0.6% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 30 of its 43 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Harris, TX$119M14th of 3141.5%-1.0 pts
Galveston, TX$26M3rd of 1135.6%-4.2 pts
Fort Bend, TX$21M21st of 1801.3%quiet FY2021
Lafayette, LA$18M6th of 844.7%thin
Calcasieu, LA$13M2nd of 736.9%quiet FY2018
Polk, TX$9M1st of 3211.0%quiet FY2021
Jefferson, TX$6M14th of 811.9%quiet FY2017
Angelina, TX$6M4th of 478.6%quiet FY2017
Montgomery, TX$6M45th of 1650.5%thin
Brazoria, TX$6M26th of 1291.0%thin
Liberty, TX$5M6th of 415.1%quiet FY2021
Saint Landry, LA$5M2nd of 2712.6%thin
Tarrant, TX$4M131st of 2810.1%quiet FY2017
30 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade96$137M46.9%0.22%87th of 2,589
Accommodation & food services45$75M25.8%0.10%172nd of 2,596
Other services24$22M7.4%0.06%215th of 2,248
Health care & social assistance19$16M5.4%0.03%296th of 2,172
Administrative & waste services4$6M2.0%0.04%290th of 1,763
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and Home Bank National Association
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans HB Home Bank, National Association 0.6% $246M · 177 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Home Bank National AssociationRankCohort median
Total CRE against capital, the 300% screen208%4th of 6206%
Construction against capital, the 100% screen69%6th of 661%
Construction and land development, share of loans11.3%6th of 69.4%
Non-owner-occupied nonfarm nonresidential, share of loans15.9%2nd of 617.6%
Total CRE, the guidance definition, share of loans34.3%4th of 632.3%
CRE growth over 36 months, the third prong-3.5%2nd of 6+18.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
B1bank$8.89B1.2%61.5%1.26%0.12%0.9%91.6%12.2%
First Guaranty Bank$3.89B0.4%68.9%2.30%1.33%1.9%50.9%6.7%
Gulf Coast Bank & Trust Co.$3.86B1.1%74.0%1.60%0.42%1.8%85.2%8.4%
Investar Bank National Association$3.85B1.2%63.3%0.63%0.02%1.2%95.2%11.5%
Home Bank National Association$3.60B1.4%59.3%0.95%0.06%1.2%90.3%13.6%
Red River Bank$3.31B1.5%53.7%0.11%0.01%1.1%77.8%11.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Home Bank National AssociationCohort median
20212026Change20212026Change
Loans$1.92B$2.78B+45%$1.94B$2.80B+45%
Deposits$2.37B$3.08B+30%$2.40B$3.26B+36%
NPA / loans0.73%0.95%+0.22 pts0.90%1.11%+0.21 pts
Efficiency57.4%59.3%+2.0 pts61.1%62.4%+1.3 pts
ROA1.71%1.37%-0.34 pts1.33%1.19%-0.14 pts

This read was prepared for Home Bank National Association's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Home Bank National Association is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort LA banks $3B to $10B
Institution www.home24bank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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