HomeTrust Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
HomeTrust Bank, based in Asheville, North Carolina, reported $4.4 billion in assets at June 30, 2026, down 3.1% from a year earlier. It shrank its loan book 2.6% over the year, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 5.9%). It also keeps 4.44 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.71 cents).
The commercial and industrial book ($598 million) is worsening: 3.44% of it is past due or on nonaccrual, up from 1.19% a year earlier.
As of June 30, 2026, HomeTrust Bank reported a CET1 capital ratio of 13.74%, a return on assets of 1.56%, a nonperforming-loan ratio of 1.54% and a Texas ratio of 5.51%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 10 Woodfin St, Asheville, NC 28801
- County
- Buncombe
- Metro Area
- Asheville, NC
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1926
- Former names
- HomeTrust Bank, National Association (2014-2015); The Hometown Bank (1996-2003); Clyde Savings Bank, SSB (1992-1996); Clyde Savings Bank (1990-1992)
- Offices
- 33 domestic
- Employees (FTE)
- 585
- Domestic deposits
- $3.61B
- Allowance for credit losses
- $39.8M
- Net charge-offs (YTD)
- $3.7M
- Average total assets
- $4.29B
- Average total loans
- $3.69B
- Average interest-bearing deposits
- $2.82B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 27677
- Fed RSSD
- 212577
- SEC CIK
- 1538263 → filed by HOMETRUST BANCSHARES, INC.
- Website
- www.htb.com →
- Parent Holding Company
- HOMETRUST BANCSHARES, INC. (RSSD 4366003) · HTB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Hunter Westbrook | CEO | President, CEO |
| Dana L. Stonestreet | CHR | Executive Chairman |
| Tony J. Vuncannon | CFO | EVP, CFO and Treasurer |
| Kevin M. Nunley | CCO | EVP and Chief Credit Officer |
| Lora Jex | CRO | EVP and Chief Risk Officer |
| Charles F. Sivley Jr. | CTO | EVP, Chief Technology Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full HomeTrust Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock HomeTrust Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
HomeTrust Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.74% | 1.56% | 1.54% | 10.63% | 4.44% |
| Q1 2026 | 14.09% | 1.56% | 1.48% | 9.14% | 4.30% |
| Q4 2025 | 13.71% | 1.48% | 1.30% | 8.25% | 4.28% |
| Q3 2025 | 13.32% | 1.52% | 1.01% | 6.60% | 4.40% |
| Q2 2025 | 13.02% | 1.61% | 0.92% | 6.12% | 4.36% |
| Q1 2025 | 12.98% | 1.34% | 0.90% | 6.03% | 4.17% |
| Q4 2024 | 12.74% | 1.30% | 0.89% | 6.14% | 4.17% |
| Q3 2024 | 12.39% | 1.22% | 0.86% | 6.07% | 4.09% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 33 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| HomeTrust Bank (main office) | Asheville , NC | 28801 | $696.0M |
| Morristown Main Office | Morristown , TN | 37814 | $275.5M |
| Suwanee Branch | Suwanee , GA | 30024 | $252.0M |
| Eden Branch | Eden , NC | 27288 | $156.0M |
| Raleigh 6 Forks Branch | Raleigh , NC | 27609 | $142.7M |
| Johnson City Branch | Johnson City , TN | 37601 | $140.1M |
| Hendersonville Branch | Hendersonville , NC | 28792 | $135.6M |
| Woodruff Road Office | Greenville , SC | 29607 | $131.8M |
| Waynesville Branch | Waynesville , NC | 28786 | $131.4M |
| Columbus Branch | Columbus , NC | 28722 | $125.7M |
| Tryon Branch | Tryon , NC | 28782 | $123.9M |
| Weaverville Branch | Weaverville , NC | 28787 | $116.9M |
| Shelby Main Office | Shelby , NC | 28150 | $101.9M |
| Southpark Branch | Charlotte , NC | 28210 | $86.1M |
| Reidsville Branch | Reidsville , NC | 27320 | $85.6M |
| Roanoke Branch | Roanoke , VA | 24011 | $82.2M |
| South Asheville Branch | Asheville , NC | 28803 | $81.9M |
| Clyde Branch | Clyde , NC | 28721 | $80.7M |
| Arden Branch | Arden , NC | 28704 | $76.9M |
| Starkey Road Branch | Roanoke , VA | 24018 | $72.5M |
| Lexington Branch | Lexington , NC | 27292 | $70.4M |
| Vinton Branch | Vinton , VA | 24179 | $60.5M |
| Crossroads-Roanoke Branch | Roanoke , VA | 24012 | $60.5M |
| Johnson City Branch | Johnson City , TN | 37604 | $49.3M |
| Church Circle Branch | Kingsport , TN | 37660 | $41.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 13, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 13, 2023 | Structure Change | Acquired Quantum National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2017 | Structure Change | Acquired TriSummit Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2014 | Structure Change | Acquired Bank of Commerce Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 31, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 31, 2014 | Structure Change | Acquired Jefferson Federal Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2013 | Structure Change | Acquired BankGreenville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2010 | Structure Change | Acquired Cherryville Federal Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 2010 | Structure Change | Acquired Industrial Federal Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 31, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2005 | Structure Change | Acquired Home Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 31, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 1998 | Structure Change | Acquired Shelby Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 28, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1996 | Structure Change | Acquired Tryon Federal Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 20 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for HomeTrust Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action October 6, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in NC, rank 21 of 86 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,938 applications, 1,925 loans originated, $675.2M originated, across 21 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 69 loans, $65.0M approved, $941K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about HomeTrust Bank
What are HomeTrust Bank's total assets?
As of the Q2 2026 filing, HomeTrust Bank reported total assets of $4.44 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is HomeTrust Bank headquartered?
HomeTrust Bank is headquartered in Asheville, NC, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was HomeTrust Bank founded?
HomeTrust Bank was established in 1926, per the FDIC institution directory.
Is HomeTrust Bank FDIC-insured?
Yes. HomeTrust Bank is an FDIC-insured commercial bank (FDIC Certificate #27677). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates HomeTrust Bank?
HomeTrust Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is HomeTrust Bank's CET1 capital ratio?
HomeTrust Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.74% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does HomeTrust Bank operate?
HomeTrust Bank operates 33 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is HomeTrust Bank's Texas Ratio?
HomeTrust Bank's Texas Ratio is 5.51% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was HomeTrust Bank previously called?
The charter now named HomeTrust Bank has also operated as HomeTrust Bank, National Association (2014-2015), The Hometown Bank (1996-2003), Clyde Savings Bank, SSB (1992-1996), Clyde Savings Bank (1990-1992), per FDIC structure-change records.
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