The Home Trust & Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
The Home Trust & Savings Bank is an FDIC-insured commercial bank headquartered in Osage, IA, established in 1899 (FDIC certificate 963), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $287.7M, up 0.9% from Q2 2025, the 106th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 15.11% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 963
- Headquarters
- Osage, IA
- Established
- 1899
- Total assets, Q2 2026
- $287.7M
- Assets vs Q2 2025
- +0.9%
- CET1 ratio, Q2 2026
- 15.11%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 073903493
- Latest call report
- Q2 2026, FFIEC 051 · The Home Trust & Savings Bank call report
- Holding company
- HTB, INC.
- Asset rank in state
- 106th of 225 in Iowa
The Home Trust & Savings Bank, based in Osage, Iowa, reported $288 million in assets at June 30, 2026. It keeps 2.79 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it spends about 45 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $1.0 million, 59% above the same quarter a year earlier. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.80% of loans from 0.56% a year earlier. Funding is the softer spot: it pays an average of 2.43% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, The Home Trust & Savings Bank reported a CET1 capital ratio of 15.11%, a return on assets of 1.41%, a nonperforming-loan ratio of 0.80% and a Texas ratio of 6.74%. The figures come from its call report filed with the FFIEC.
The Home Trust & Savings Bank ranks as the 106th largest of the 225 banks based in Iowa, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.4% to $287.7M, loans fell 0.6% and deposits fell 3.2%. 1-4 family residential loans made up 27.6% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 26.7%. The FDIC Summary of Deposits lists a single office for it, in Osage, IA. Judged on its Q2 2026 call report, The Home Trust & Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 628 Main St, Osage, IA 50461
- County
- Mitchell
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- December 1, 1899
- Former names
- The Home Trust & Savings Bank (1946)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $252.9M
- Allowance for credit losses
- $2.6M
- Net charge-offs (YTD)
- $14K
- Average total assets
- $295.8M
- Average total loans
- $211.3M
- Average interest-bearing deposits
- $226.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 963
- Fed RSSD
- 60545
- Website
- www.hometrustbank.com →
- Parent Holding Company
- HTB, INC. (RSSD 1427033)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Home Trust & Savings Bank's total assets ran between $279.6M (Q3 2023) and $294.8M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$287.7M total assets against $285.2M; $259.4M total liabilities against $260.7M.
$209.4M net loans and leases against $197.8M; $252.9M total deposits against $247.2M.
$67.0M securities against $70.9M; $6.8M cash and balances due against $12.5M.
$3.5M total interest income against $3.3M; $1.6M total interest expense against $1.8M.
$2.0M net interest income against $1.5M.
$25K total noninterest income against $35K; $911K total noninterest expense against $839K.
$0 provision for credit losses against $50K.
$1.0M net income against $657K.
1.41% return on assets against 0.90%; 2.79% net interest margin against 2.23%.
15.11% CET1 capital ratio against 14.76%; 10.83% tier 1 leverage ratio against 10.42%.
Inside the full The Home Trust & Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Home Trust & Savings Bank rankings
Its closest position to the top of a national ranking is 411 of 3,606, for efficiency ratio; its furthest is 2,522 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.71% (Q3 2024) to 1.41% (Q2 2026) and its net interest margin ran from 1.77% (Q3 2024) to 2.79% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.11% | 1.41% | 0.80% | 6.74% | 2.79% |
| Q1 2026 | 14.75% | 1.21% | 0.37% | 3.92% | 2.66% |
| Q4 2025 | 14.79% | 1.13% | 0.33% | 3.67% | 2.62% |
| Q3 2025 | 14.94% | 1.24% | 0.51% | 3.48% | 2.46% |
| Q2 2025 | 14.76% | 0.90% | 0.56% | 4.15% | 2.23% |
| Q1 2025 | 14.23% | 0.93% | 0.75% | 5.81% | 2.18% |
| Q4 2024 | 14.22% | 0.74% | 0.67% | 5.37% | 2.06% |
| Q3 2024 | 14.51% | 0.71% | 0.48% | 3.67% | 1.77% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Home Trust & Savings Bank | Osage , IA | 50461 | $252.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in IA, rank 114 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $120K approved, $60K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Home Trust & Savings Bank
What are The Home Trust & Savings Bank's total assets?
As of the Q2 2026 filing, The Home Trust & Savings Bank reported total assets of $287.7 million in its FFIEC call report.
Where is The Home Trust & Savings Bank headquartered?
It is headquartered in Osage, IA, United States.
When was The Home Trust & Savings Bank founded?
It was established in 1899, per the FDIC institution directory.
Is The Home Trust & Savings Bank FDIC-insured?
Yes. It 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 The Home Trust & Savings Bank?
The Home Trust & Savings Bank's primary federal regulator is the Federal Reserve.
What is The Home Trust & Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.11% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Home Trust & Savings Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Home Trust & Savings Bank's Texas Ratio?
Its Texas Ratio is 6.74% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was The Home Trust & Savings Bank previously called?
The charter now named The Home Trust & Savings Bank has also operated as The Home Trust & Savings Bank (1946), per FDIC structure-change records.
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