Homebanc National Association

3701 West Lake Mary Boulevard
Lake Mary, FL 32746
407-278-0270
www.homebanc.com

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Homebanc National Association is headquartered in Lake Mary and is the 48^th largest bank in the state of Florida. It is also the 1,234^th largest bank in the nation. It was established in 2007 and as of December of 2012, it had grown to 103 employees at 7 locations. Homebanc National Association's money market rates are 36% higher than the national average, and it boasts a 5-star health rating.

Higher Special 3-Month CD Rate at HomeBanc - Florida Only - 9/10/2012

HomeBanc has brought back its 3-month CD special, and it has bumped up the rate. The new yield is now 1.50% APY which puts it near the rates of 5-year CDs. Minimum deposit is $10,000, and the maximum ...

CD, Savings & Checking Promotion at HomeBanc - Florida Only - 6/5/2012

HomeBanc is advertising a deposit account promotion that it calls the Triple Play. It's offering a 1.05% APY 13-month CD and a 1.00% APY savings account. When these two accounts are opened with the ba ...

Another Special 3-Month CD Rate at Homebanc - Florida Only - 4/25/2012

I have never been enthusiastic about 3-month CD specials. I've found that they're too short to be worthwhile. If you do prefer short-term CDs, at least make sure the yield is higher than savings accou ...

Special 3-Month CD Rate at Homebanc - Florida Only - 11/7/2011

2010

8/29 - Savings Account Promotion at HomeBanc in Tampa Florida

2008

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See Rates for: Checking | Savings | Money Market | CD

Homebanc National Association Checking Account Rates

Apy	Min	Max	Product
0.30%	$100k	-	Prestige Interest Checking
0.30%	$100k	-	The Pacesetters Club Checking
0.05%	-	-	Prestige Business Interest Checking

Homebanc National Association Savings Account Rates

Apy	Min	Max	Product
0.50%	$100k	-	Classic Savings
0.50%	$100k	-	Young Savers
0.50%	$100k	-	Classic Business Savings

Homebanc National Association Money Market Rates

Apy	Min	Max	Product
0.60%	-	$251k	Elite Money Market
0.50%	$100k	-	Prestige Plus Money Market
0.50%	$100k	-	Prestige Plus Business Money Market

Homebanc National Association CD Rates

Apy	Min	Max	Product
1.30%	$10k	$75k	4 Month CD Special
1.00%	$500	-	60 Month CD
1.00%	$10k	$250k	3 Year Advantage CD
0.90%	$500	-	48 Month CD
0.90%	$10k	$100	25 Month Advantage CD
0.75%	$500	-	36 Month CD
0.70%	$10k	$100k	11 Month Advantage CD
0.65%	$500	-	24 Month CD
0.50%	$500	-	18 Month CD
0.45%	$500	-	12 Month CD
0.40%	$500	-	9 Month CD
0.20%	$500	-	6 Month CD
0.15%	$500	-	3 Month CD

Rates updated: 5/18/2013

Data for Q4 2012

Institution Statistics

Homebanc National Association
FDIC Certificate #	58194
BankRate Report	View
Year Established	2007
Employees	103
Primary Regulator	OCC
Assets and Liabilities
Assets	$542.89 million
Loans	$493.01 million
Deposits	$491.25 million
Equity Capital	$44.56 million
Loan Loss Allowance	$1.68 million
Unbacked Noncurrent Loans	$1.76 million
Historic Data - December 2011
Assets	$450.79 million
Equity Capital	$41.35 million
Loan Loss Allowance	$1.02 million
Unbacked Noncurrent Loans	$800,000
Real Estate Owned	$4.21 million
Profit Margin - Quarterly
Net Interest Margin	2.15%
Return on Assets	0.79%
Return on Equity	9.14%
Interest Income	$14.16 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Homebanc National Association had $1.76 million in non-current loans and owned real-estate with $46.23 million in equity and loan loss allowances on hand to cover it. This gives Homebanc National Association a Texas Ratio of 3.80% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Homebanc National Association decreased significantly from (infinite) as of December 31, 2011 to 3.80% as of December 31, 2012, resulting in a positive change of (infinite). This indicates that the balance sheet and financial strength for Homebanc National Association has improved significantly in recent periods.
Deposit Growth
In the past year, Homebanc National Association has increased its total deposits by $85.9 million, resulting in 21.19% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Homebanc National Association has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Homebanc National Association has $542.89 million in assets with $46.23 million in equity, resulting in a capitalization level of 8.52%, which is average.