The Home Trust & Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 8.34 percentage points in Q2 2026, from 1460.23% to 1468.57%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, The Home Trust & Savings Bank is 113th of 225 on return on assets, 1.41% as of Q2 2026, below the middle of the field. The Home Trust & Savings Bank reported 1.41% on return on assets for Q2 2026, 0.16 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.11% |
| Tier 1 risk-based capital ratio | 15.11% |
| Total risk-based capital ratio | 16.33% |
| Tier 1 leverage ratio | 10.83% |
| Equity capital to assets | 9.86% |
| Tangible equity to tangible assets | 9.86% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.08% |
| Non-performing assets ratio | 0.20% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 6.74% |
| Allowance for credit losses to loans | 1.21% |
| Reserve coverage of non-performing loans | 1468.57% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.41% |
| Return on equity | 14.99% |
| Net interest margin | 2.79% |
| Efficiency ratio | 44.76% |
| Yield on earning assets | 4.98% |
| Cost of funds | 2.43% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.82% |
| Core deposits to total deposits | 88.92% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.91% |
| Securities to assets | 23.30% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.00% | 15.00% | 15.00% | 10.44% | 0.78% |
| Q4 2023 | 14.57% | 14.57% | 15.74% | 10.05% | 0.28% |
| Q1 2024 | 14.34% | 14.34% | 15.48% | 9.94% | 0.60% |
| Q2 2024 | 14.38% | 14.38% | 15.49% | 10.02% | 0.50% |
| Q3 2024 | 14.51% | 14.51% | 15.63% | 10.13% | 0.71% |
| Q4 2024 | 14.22% | 14.22% | 15.30% | 10.23% | 0.74% |
| Q1 2025 | 14.23% | 14.23% | 15.37% | 10.19% | 0.93% |
| Q2 2025 | 14.76% | 14.76% | 15.94% | 10.42% | 0.90% |
| Q3 2025 | 14.94% | 14.94% | 16.13% | 10.62% | 1.24% |
| Q4 2025 | 14.79% | 14.79% | 15.96% | 10.68% | 1.13% |
| Q1 2026 | 14.75% | 14.75% | 15.95% | 10.66% | 1.21% |
| Q2 2026 | 15.11% | 15.11% | 16.33% | 10.83% | 1.41% |
The Home Trust & Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Home Trust & Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Home Trust & Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 963) · FFIEC NIC profile (RSSD 60545)