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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.17% | 1.26% | 1.30% | 1.53% | 1.46% | 1.44% | 1.53% | 1.52% | -2 bps | |
| Return on Equity | 10.02% | 10.58% | 10.61% | 12.30% | 11.56% | 11.12% | 11.51% | 11.38% | -92 bps | |
| Net Interest Margin | 3.86% | 3.93% | 3.93% | 4.11% | 4.16% | 4.04% | 4.10% | 4.27% | +16 bps | |
| Efficiency Ratio | 58.83% | 64.36% | 59.22% | 56.13% | 56.52% | 57.89% | 59.53% | 59.33% | +321 bps | |
| Non-Interest Burden | 1.99% | 2.30% | 2.06% | 1.92% | 2.02% | 2.00% | 2.08% | 2.19% | +27 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 | 0.42% | 0.19% | 0.14% | 0.21% | 0.29% | 0.33% | 0.20% | 0.20% | -1 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 | |