HomeTrust Bank
Total assets
$4.44B
▼ -3.1% YoY
Deposits
$3.61B
▼ -1.7% YoY
Loans
$3.70B
▼ -2.5% YoY
Offices
33
HOMETRUST BANCSHARES INC
ROA (annualized)
1.52%
peers 1.26%
ROE (annualized)
11.44%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | HomeTrust Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.1% | +5.5% | -8.5 pts |
| Deposit growth (YoY) | -1.7% | +5.1% | -6.7 pts |
| Loan growth (YoY) | -2.5% | +5.9% | -8.4 pts |
| ROA | 1.52% | 1.26% | +0.3 pts |
| ROE | 11.4% | 12.2% | -0.7 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
Profile
- Established
- 1926
- Charter
- State
- Primary regulator
- FED
- Holding company
- HOMETRUST BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 10 Woodfin St, Asheville, NC, 28801
- County
- Buncombe
- Metro area
- Asheville, NC
- Offices
- 33
- FDIC cert #
- 27677
- RSSD ID
- 212577
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.44B | $3.61B | $3.70B | $587.2M | $33.8M | 1.52% | 4.36% | 1.26% |
| Q1 2026 | $4.38B | $3.65B | $3.61B | $590.1M | $17.1M | 1.53% | 4.30% | 1.07% |
| Q4 2025 | $4.54B | $3.72B | $3.74B | $595.6M | $65.5M | 1.43% | 4.19% | 0.97% |
| Q3 2025 | $4.59B | $3.71B | $3.80B | $585.8M | $49.1M | 1.43% | 4.18% | 0.71% |
| Q2 2025 | $4.58B | $3.67B | $3.80B | $575.4M | $32.3M | 1.41% | 4.13% | 0.65% |
| Q1 2025 | $4.56B | $3.74B | $3.76B | $564.5M | $14.8M | 1.30% | 4.07% | 0.60% |
| Q4 2024 | $4.60B | $3.78B | $3.81B | $553.1M | $56.9M | 1.22% | 3.97% | 0.61% |
| Q3 2024 | $4.64B | $3.76B | $3.84B | $547.2M | $42.3M | 1.21% | 3.93% | 0.65% |
Loan mix (Q2 2026): real estate $2.86B · commercial $598.4M · consumer $30.5M · securities $145.9M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | HomeTrust Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.52% | 1.26% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 12.2% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.36% | 3.70% | 83th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.4% | 59.0% | 51th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | HomeTrust Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | HomeTrust Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | HomeTrust Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | HomeTrust Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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