HOME TRUST & SAVINGS BANK, THE

OSAGE, IA | Small | Est. Dec. 1, 1899, midnight | FDIC #963 | RSSD #60545 | FED
Latest Report: 2025-12-31

HOME TRUST & SAVINGS BANK, THE is asn small FDIC-insured commercial bank headquartered in OSAGE, IA, established in Dec. 1, 1899, midnight. As of 2025-12-31, the bank reported total assets of $291M and total deposits of $255M. Profitability stands at 1.13% ROA and 12.16% ROE, with a net interest margin of 2.70%. The bank's CET1 capital ratio is 14.79%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.09% and a Texas Ratio of 1.98%. FDIC Certificate #963.

Assets

$291M

Deposits

$255M

Loans

$209M

Equity

$27M

Profitability

Return on Assets (ROA) 1.13%
Return on Equity (ROE) 12.16%
Net Interest Margin (NIM) 2.70%
Yield on Assets 5.18%
Cost of Funds 2.53%

Asset Quality

NPL Ratio 0.09%
Net Charge-Off Ratio -0.01%
Texas Ratio 1.98%
NPA Ratio 0.20%
ACL / Loans 1.17%

Capital & Liquidity

CET1 Ratio 14.79%
Tier 1 Capital 14.79%
Total Capital Ratio 15.96%
Leverage Ratio 10.68%
Loan-to-Deposit 82.16%

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