HOME TRUST & SAVINGS BANK, THE
HOME TRUST & SAVINGS BANK, THE is an FDIC-insured commercial bank headquartered in OSAGE, IA, established in 1899. As of , 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 2.55%. CET1 capital ratio: 14.79%, well above regulatory minimums. NPL ratio: 0.09% · Texas Ratio: 1.98%. Operates 1 domestic branch.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Home Trust & Savings Bank, the rankings
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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 |
|---|---|---|---|---|---|
| 2025-12-31 | 14.79% | 1.13% | 0.09% | 1.98% | 2.55% |
| 2025-09-30 | 14.94% | 1.25% | 0.28% | 1.89% | 2.40% |
| 2025-06-30 | 14.76% | 0.91% | 0.26% | 1.95% | 2.17% |
| 2025-03-31 | 14.23% | 0.95% | 0.13% | 1.00% | 2.11% |
| 2024-12-31 | 14.22% | 0.75% | 0.23% | 1.86% | 1.98% |
| 2024-09-30 | 14.51% | 0.73% | 0.25% | 1.87% | 1.70% |
| 2024-06-30 | 14.38% | 0.51% | 0.15% | 1.30% | 1.60% |
| 2024-03-31 | 14.34% | 0.62% | 0.11% | 0.92% | 1.51% |
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Frequently asked about HOME TRUST & SAVINGS BANK, THE
What are Home Trust & Savings Bank, the's total assets?
As of the Q4 2025 filing, Home Trust & Savings Bank, the reported total assets of $290.7 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Home Trust & Savings Bank, the headquartered?
Home Trust & Savings Bank, the is headquartered in OSAGE, IA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Home Trust & Savings Bank, the founded?
Home Trust & Savings Bank, the was established in 1899, per the FDIC institution directory.
Is Home Trust & Savings Bank, the FDIC-insured?
Yes. Home Trust & Savings Bank, the is an FDIC-insured commercial bank (FDIC Certificate #963). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Home Trust & Savings Bank, the?
Home Trust & Savings Bank, the's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Home Trust & Savings Bank, the's CET1 capital ratio?
Home Trust & Savings Bank, the reported a Common Equity Tier 1 (CET1) capital ratio of 14.79% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Home Trust & Savings Bank, the operate?
Home Trust & Savings Bank, the operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is Home Trust & Savings Bank, the's Texas Ratio?
Home Trust & Savings Bank, the's Texas Ratio is 1.98% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.