HOME BANK AND TRUST COMPANY

EUREKA, KS | Small | Est. Aug. 4, 1904, midnight | FDIC #4664 | RSSD #840251 | FDIC
Latest Report: 2025-12-31

HOME BANK AND TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in EUREKA, KS, established in Aug. 4, 1904, midnight. As of 2025-12-31, the bank reported total assets of $185M and total deposits of $169M. Profitability stands at 1.12% ROA and 14.44% ROE, with a net interest margin of 4.02%. The bank's CET1 capital ratio is 11.23%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.02% and a Texas Ratio of 0.13%. FDIC Certificate #4664.

Assets

$185M

Deposits

$169M

Loans

$135M

Equity

$14M

Profitability

Return on Assets (ROA) 1.12%
Return on Equity (ROE) 14.44%
Net Interest Margin (NIM) 4.02%
Yield on Assets 6.31%
Cost of Funds 2.31%

Asset Quality

NPL Ratio 0.02%
Net Charge-Off Ratio 0.17%
Texas Ratio 0.13%
NPA Ratio 0.01%
ACL / Loans 1.11%

Capital & Liquidity

CET1 Ratio 11.23%
Tier 1 Capital 11.23%
Total Capital Ratio 12.41%
Leverage Ratio 7.65%
Loan-to-Deposit 79.60%

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