This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Galveston, TX
Health score
85.5
Total assets
$990.4M
Bank
Pecos, TX
Health score
50.1
Total assets
$972.1M
Answer first
HomeTown Bank, National Association leads on financial health and capitalization and profitability and lending quality; Transpecos Banks, SSB leads on growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
HomeTown Bank, National Association
Higher TFS health score
Capitalization
HomeTown Bank, National Association
Higher comparable capital ratio
Profitability
HomeTown Bank, National Association
Higher return on assets
Lending quality
HomeTown Bank, National Association
Lower problem-loan measure
Growth
Transpecos Banks, SSB
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | HomeTown Bank, National Association | Transpecos Banks, SSB |
|---|---|---|
| TFS health score | 85.5/100Leads | 50.1/100 |
| Total assets | $990.4M | $972.1M |
| Total deposits / shares | $891.1M | $872.0M |
| Tier 1 capital ratio | 11.33%Leads | 6.67% |
| Return on assets | 1.07%Leads | -1.57% |
| Return on equity | 11.54%Leads |
HomeTown Bank, National Association
7 branches
Transpecos Banks, SSB
4 branches
Both institutions report branches in 1 state: TX.
HomeTown Bank, National Association
Unavailable
Transpecos Banks, SSB
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
HomeTown Bank, National Association
0 in TFS registry
Transpecos Banks, SSB
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | HomeTown Bank, National Association score | HomeTown Bank, National Association ROA | Transpecos Banks, SSB score | Transpecos Banks, SSB ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.51% | — | 2.30% |
| 2024-Q4 | — | 0.57% | — | 0.45% |
| 2025-Q1 | — | 0.75% | — | 0.69% |
| 2025-Q2 | — | 0.70% | — | 0.71% |
| 2025-Q3 | — | 0.80% | — | 0.31% |
| 2025-Q4 | — | 0.85% | — | 0.76% |
| 2026-Q1 | 84.1/100 |
Keep watching
Get access to your dashboard watchlist and future financial-grade alerts.
Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| -22.59% |
| Non-performing loans | 0.04%Leads | 8.15% |
| Net charge-offs | 0.01% | -0.00%Leads |
| Efficiency ratio | 59.33%Leads | 146.40% |
| Loan-to-deposit ratio | 77.47% | 74.86% |
| Asset growth (YoY) | 4.39% | 12.65%Leads |
| Deposit / share growth (YoY) | 4.99% | 10.58%Leads |
| Branches | 7 | 4 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 0.99% |
| 43.9/100 |
| -1.55% |
| 2026-Q2 | 85.5/100 | 1.07% | 50.1/100 | -1.57% |