Hometrust Bank
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
$4.4BAssets
$3.7BLoans
$3.6BDeposits
$587.2MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 89% of banks $1B-$10B in assets operating regionally (rank 19 of 176).
- Widest gap: net charge-offs / loans trails 82% of banks $1B-$10B in assets operating regionally (rank 145 of 176).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $92.5M · efficiency ratio beats 48% of banks $1B-$10B in assets operating regionally | 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 |