HomeTrust Bank
HomeTrust Bank reported total assets of $4.4 bn at Q2 2026, down 3.1% on a year earlier, the 310th largest of 497 banks in our US coverage. The CET1 capital ratio at HomeTrust Bank was 13.74%, and the uninsured share of HomeTrust Bank was 26.47%. Source: FDIC Call Reports.
Key takeaways
- On efficiency ratio, HomeTrust Bank slipped from 247th to 326th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Since , HomeTrust Bank has taken over 2 institutions; the latest was Quantum National Bank on (FDIC Call Reports).
- HomeTrust Bank has one of the highest loan-to-deposit ratio readings among banks of $1 bn to $10 bn: 102.51% at , against a median of 88.61% across 339 banks (FDIC Call Reports).
What sets HomeTrust Bank apart
How large is HomeTrust Bank?
The balance sheet of HomeTrust Bank at : assets $4.4 bn, deposits $3.6 bn, net loans $3.7 bn (loans equal to 102.51% of deposits). Securities make up 3.3% of total assets at HomeTrust Bank. Since , when HomeTrust Bank held $2.7 bn, its assets grew 61.9%. In the year to , deposits at HomeTrust Bank fell 1.7% while its total assets fell 3.1%. At , HomeTrust Bank employed 585 full-time equivalent staff across 33 offices, about $7.6 mn of assets per employee and $109.5 mn of deposits per office.
How much funding at HomeTrust Bank is uninsured?
At HomeTrust Bank, uninsured deposits (above the FDIC limit) made up 26.47% of domestic deposits at (+1.08 pp on a year earlier); HomeTrust Bank ranks 358th of 500 on this measure. In dollars, HomeTrust Bank estimated $956.2 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.6 bn | -1.7% | 305th of 499 |
| Net loans and leases | $3.7 bn | -2.5% | 271st of 500 |
| Loan-to-deposit ratio | 102.51% | -0.90 pp | 40th of 500 |
| Tier 1 leverage ratio | 12.91% | +0.52 pp | 56th of 500 |
| Total risk-based capital ratio | 14.84% | +0.65 pp | 184th of 448 |
| Net interest margin | 4.36% | +0.22 pp | 80th of 500 |
| Return on assets (ROA) | 1.52% | +0.10 pp | 149th of 500 |
| Efficiency ratio | 59.43% | +1.81 pp | 326th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $568,000 | Widened by $210,000 | |
| Noncurrent loans to total loans | 1.40% | +0.62 pp | 413th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.20% | +0.02 pp | 345th of 500 (1 = lowest) |
US rank of HomeTrust Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
HomeTrust Bank: assets, deposits and loans
- Total assets $4.4bn
- Deposits $3.6bn
- Net loans $3.7bn
Capital and securities
The CET1 ratio of HomeTrust Bank stood at 13.74% in , +0.72 pp year on year. Low and high at HomeTrust Bank since : 10.35% () to 14.09% (). Equity capital of HomeTrust Bank at : $587.2 mn, or 13.2% of total assets. HomeTrust Bank also reported a total capital ratio of 14.84% for , and a tier 1 leverage ratio of 12.91%.
The available-for-sale portfolio of HomeTrust Bank showed an unrealized loss of $568,000 at ; the loss widened by $210,000 over the year.
HomeTrust Bank: capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 13%
HomeTrust Bank: unrealized securities gains and losses
- Available for sale -$568,000
- Held to maturity $0
Profitability and loan quality
For the year to , HomeTrust Bank earned a return on equity of 11.44%; return on assets: 1.52%. Net interest margin at HomeTrust Bank: 4.36%, +0.22 pp in a year. HomeTrust Bank net income: $33.8 mn, up 4.5% year on year. The efficiency ratio of HomeTrust Bank was 59.43%: about 59 cents cost per revenue dollar, against 59 cents at the median peer.
At , noncurrent loans were 1.40% of total loans at HomeTrust Bank; net charge-offs: 0.20% of average loans. Gross loans and leases at HomeTrust Bank: $3.7 bn, down 2.6% in a year.
HomeTrust Bank: profitability
- Return on equity 11%
- Net interest margin 4.4%
- Return on assets 1.5%
Peer group of HomeTrust Bank
The peer group of HomeTrust Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of HomeTrust Bank (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in North Carolina. Against them, HomeTrust Bank shows CET1 ratio 13.74% against a peer median of 12.08%, return on equity 11.44% against a peer median of 13.37% and uninsured deposit share 26.47% against a peer median of 40.50%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Arrow Bank | National bank | NY | $4.5 bn | 12.71% | 11.47% | 30.32% | |
| ChoiceOne Bank | State member bank | MI | $4.5 bn | 11.81% | 10.68% | 33.04% | |
| Capital City Bank | State member bank | FL | $4.4 bn | 18.18% | 12.85% | 47.83% | |
| HomeTrust Bank | State member bank | NC | $4.4 bn | 13.74% | 11.44% | 26.47% | |
| American Business Bank | State nonmember bank | CA | $4.4 bn | 12.35% | 15.17% | 75.74% | |
| First Business Bank | State nonmember bank | WI | $4.4 bn | 11.17% | 13.89% | 33.17% | |
| Sunwest Bank | State nonmember bank | UT | $4.4 bn | 10.40% | 17.39% | 53.14% | |
. FDIC Call Reports.
Last eight quarters
Two years at HomeTrust Bank, to : assets -4.3%, deposits -4.0%, equity +7.3%. Staff 555 to 585; offices 36 to 33.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $4.6 bn | $4.6 bn | $4.6 bn | $4.6 bn | $4.6 bn | $4.5 bn | $4.4 bn | $4.4 bn |
| Total deposits | $3.8 bn | $3.8 bn | $3.7 bn | $3.7 bn | $3.7 bn | $3.7 bn | $3.6 bn | $3.6 bn |
| Bank equity capital | $547.2 mn | $553.1 mn | $564.5 mn | $575.4 mn | $585.8 mn | $595.6 mn | $590.1 mn | $587.2 mn |
| CET1 ratio | 12.39% | 12.74% | 12.98% | 13.02% | 13.32% | 13.71% | 14.09% | 13.74% |
| Return on equity (ROE) | 10.57% | 10.58% | 10.61% | 11.46% | 11.50% | 11.40% | 11.51% | 11.44% |
| Uninsured share of domestic deposits | 23.24% | 23.75% | 24.95% | 25.39% | 25.29% | 26.13% | 26.58% | 26.47% |
| Full-time equivalent employees | 555 | 557 | 553 | 555 | 557 | 566 | 576 | 585 |
| Number of offices | 36 | 36 | 35 | 33 | 33 | 33 | 33 | 33 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of HomeTrust Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed TriSummit Bank (FDIC certificate 58467).
- . Absorbed Quantum National Bank (FDIC certificate 34110).
Questions and identifiers
What were the total assets of HomeTrust Bank?
HomeTrust Bank reported $4.4 bn at in its Call Report. That makes HomeTrust Bank the 310th largest of 497 banks in our US coverage.
Is HomeTrust Bank the same as its holding company?
No. This page covers HomeTrust Bank, FDIC certificate 27677; HomeTrust Bancshares, Inc., its holding company, reports separately to the Federal Reserve.
Is HomeTrust Bank profitable?
HomeTrust Bank reported net income of $33.8 mn for the year to ; annualized return on equity: 11.44%. So yes: HomeTrust Bank made a profit over these months.
When is data for HomeTrust Bank next updated?
Figures from HomeTrust Bank for are due after .
Where can I check the figures for HomeTrust Bank?
In the FDIC BankFind Suite record for certificate 27677, and in the Call Reports of HomeTrust Bank (RSSD ID 212577) at the FFIEC Central Data Repository.