Asheville, NC · Cert 27677 · Hometrust Bancshares Inc.
State charter, Fed member · FED · 33 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
76
Asset Quality
21
Profitability
70
Liquidity
0
Efficiency
48
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Asheville, NC · Cert 27677 · Hometrust Bancshares Inc.
State charter, Fed member · FED · 33 branches
Q2 2026
Market Position · Asheville, NC · 2026 SOD (annual) · 10.8% share · #4 of 24 inst. · $1.1B of $10.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.21% | 1.22% | 1.30% | 1.41% | 1.43% | 1.43% | 1.53% | 1.52% | +10 bps | |
| Return on Equity | 10.57% | 10.58% | 10.61% | 11.46% | 11.50% | 11.40% | 11.51% | 11.44% | -2 bps | |
| Net Interest Margin | 3.84% | 3.86% | 3.93% | 4.05% | 4.05% | 4.04% | 4.10% | 4.23% | +18 bps | |
| Efficiency Ratio | 58.02% | 59.63% | 59.22% | 57.62% | 57.25% | 57.41% | 59.53% | 59.43% | +181 bps | |
| Non-Interest Burden | 1.95% | 2.03% | 2.06% | 2.00% | 1.99% | 1.99% | 2.08% | 2.15% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.34% | -1.65% | -2.70% | -1.99% | -0.95% | -1.11% | -3.78% | -3.07% | -107 bps | |
| Loan Growth (YoY) | 0.68% | 0.33% | -1.80% | -2.17% | -1.31% | -1.83% | -3.86% | -2.60% | -43 bps | |
| Deposit Growth (YoY) | 3.31% | 3.21% | -1.57% | -0.94% | -1.37% | -1.64% | -2.52% | -1.66% | -71 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.78% | 0.72% | 0.72% | 0.78% | 0.85% | 1.17% | 1.28% | 1.40% | +62 bps | |
| Net Charge-Offs / Loans | 0.31% | 0.28% | 0.14% | 0.17% | 0.21% | 0.25% | 0.20% | 0.20% | +2 bps | |
| Allowance / Loans | 1.24% | 1.17% | 1.18% | 1.15% | 1.12% | 1.10% | 1.11% | 1.06% | -9 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.6x | 1.6x | 1.5x | 1.3x | 0.9x | 0.9x | 0.8x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.54% | 11.68% | 11.97% | 12.39% | 12.44% | 12.65% | 12.70% | 12.91% | +52 bps | |
| Total Risk-Based Capital | 13.55% | 13.84% | 14.18% | 14.19% | 14.47% | 14.85% | 15.23% | 14.84% | +65 bps | |
| Equity / Assets | 11.81% | 12.04% | 12.39% | 12.57% | 12.76% | 13.11% | 13.46% | 13.23% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.42% | 101.96% | 101.64% | 104.61% | 103.48% | 101.76% | 100.24% | 103.61% | -100 bps | |
| Liquid Assets / Assets | 6.55% | 6.29% | 6.83% | 6.64% | 6.99% | 7.24% | 6.83% | 5.99% | -64 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 337% | 329% | 333% | n/a | n/a | |
Asheville, NC · Cert 27677 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Hometrust Bancshares Inc.
State charter, Fed member · FED · 33 branches
Q2 2026
Return on Assets
1.52%
Rank 46 of 176
Net Interest Margin
4.23%
Rank 19 of 176
Efficiency Ratio
60.05%
Rank 93 of 176
Equity / Assets
13.23%
Rank 20 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.52% | 0.93% | 1.26% | 1.54% | Beats 74% | 46 / 176 | ||
| Return on Equity | 11.51% | 9.26% | 11.89% | 14.46% | Beats 46% | 95 / 176 | ||
| Net Interest Margin | 4.23% | 3.25% | 3.59% | 3.93% | Beats 89% | 19 / 176 | ||
| Efficiency Ratio | 60.05% | 52.79% | 59.55% | 67.66% | Beats 48% | 93 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.40% | 0.30% | 0.64% | 1.32% | Beats 23% | 137 / 176 | ||
| Net Charge-Offs / Loans | 0.12% | 0.01% | 0.04% | 0.10% | Beats 18% | 145 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.74% | 11.15% | 12.72% | 14.15% | Beats 70% | 53 / 176 | ||
| Total Risk-Based Capital Ratio | 14.84% | 11.81% | 13.63% | 15.33% | Beats 69% | 55 / 176 | ||
| Equity / Assets | 13.23% | 9.16% | 10.35% | 11.80% | Beats 89% | 20 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 103.61% | 80.94% | 89.73% | 97.21% | 92nd pctl | 14 / 176 | ||
| Loans / Assets | 84.36% | 69.25% | 75.12% | 80.82% | 90th pctl | 17 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||