HOMETRUST BANK

ASHEVILLE, NC | Large | Est. Jan. 1, 1926, midnight | FDIC #27677 | RSSD #212577 | FED
Latest Report: 2025-12-31

HOMETRUST BANK is aln large FDIC-insured commercial bank headquartered in ASHEVILLE, NC, established in Jan. 1, 1926, midnight. As of 2025-12-31, the bank reported total assets of $4.5B and total deposits of $3.7B. Profitability stands at 1.44% ROA and 11.12% ROE, with a net interest margin of 4.23%. The bank's CET1 capital ratio is 13.71%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.17% and a Texas Ratio of 6.95%. FDIC Certificate #27677.

Assets

$4.5B

Deposits

$3.7B

Loans

$3.8B

Equity

$596M

Profitability

Return on Assets (ROA) 1.44%
Return on Equity (ROE) 11.12%
Net Interest Margin (NIM) 4.23%
Yield on Assets 6.04%
Cost of Funds 2.50%

Asset Quality

NPL Ratio 1.17%
Net Charge-Off Ratio 0.25%
Texas Ratio 6.95%
NPA Ratio 0.97%
ACL / Loans 1.10%

Capital & Liquidity

CET1 Ratio 13.71%
Tier 1 Capital 13.71%
Total Capital Ratio 14.85%
Leverage Ratio 12.65%
Loan-to-Deposit 101.76%

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