HomeTrust Bank
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Data as of · sourced from FFIEC call reports. How we update
HomeTrust Bank is an FDIC-insured commercial bank headquartered in Asheville, NC, established in 1926 (FDIC certificate 27677), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $4.44B, down 3.1% from Q2 2025, the 8th largest of 38 banks headquartered in North Carolina. Its CET1 capital ratio was 13.74% 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
- 27677
- Headquarters
- Asheville, NC
- Established
- 1926
- Total assets, Q2 2026
- $4.44B
- Assets vs Q2 2025
- -3.1%
- CET1 ratio, Q2 2026
- 13.74%
- Domestic offices
- 33 FDIC institution directory, current count
- Routing number
- 253170279
- Holding company
- HOMETRUST BANCSHARES, INC.
- Asset rank in state
- 8th of 38 in North Carolina
HomeTrust Bank, based in Asheville, North Carolina, reported $4.4 billion in assets at June 30, 2026, down 3.1% from a year earlier. It shrank its loan book 2.6% over the year, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 5.9%). It also keeps 4.44 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.71 cents).
The commercial and industrial book ($598 million) is worsening: 3.44% of it is past due or on nonaccrual, up from 1.19% a year earlier.
As of June 30, 2026, HomeTrust Bank reported a CET1 capital ratio of 13.74%, a return on assets of 1.56%, a nonperforming-loan ratio of 1.40% and a Texas ratio of 5.51%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, HomeTrust Bank is the 8th largest of the 38 banks headquartered in North Carolina. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.2% to $4.44B, loans rose 2.4% and deposits fell 0.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 25.0% of total loans, ahead of non-owner-occupied commercial real estate loans at 23.8%. The FDIC Summary of Deposits lists 33 offices for it, in 26 cities across 5 states; its Asheville 2 offices book 22% of its branch deposits. Judged on its Q2 2026 call report, HomeTrust Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 10 Woodfin St, Asheville, NC 28801
- County
- Buncombe
- Metro Area
- Asheville, NC
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1926
- Former names
- HomeTrust Bank, National Association (2014-2015); The Hometown Bank (1996-2003); Clyde Savings Bank, SSB (1992-1996); Clyde Savings Bank (1990-1992)
- Domestic offices
- 33 FDIC institution directory, current count
- Employees (FTE)
- 585
- Domestic deposits
- $3.61B
- Allowance for credit losses
- $39.8M
- Net charge-offs (YTD)
- $3.7M
- Average total assets
- $4.29B
- Average total loans
- $3.69B
- Average interest-bearing deposits
- $2.82B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 27677
- Fed RSSD
- 212577
- SEC CIK
- 1538263 → filed by HOMETRUST BANCSHARES, INC.
- Website
- www.htb.com →
- Parent Holding Company
- HOMETRUST BANCSHARES, INC. (RSSD 4366003) · HTB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Hunter Westbrook | CEO | President, CEO |
| Dana L. Stonestreet | CHR | Executive Chairman |
| Tony J. Vuncannon | CFO | EVP, CFO and Treasurer |
| Kevin M. Nunley | CCO | EVP and Chief Credit Officer |
| Lora Jex | CRO | EVP and Chief Risk Officer |
| Charles F. Sivley Jr. | CTO | EVP, Chief Technology Officer |
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
From Q3 2023 to Q2 2026, HomeTrust Bank's total assets ranged from $4.38B (Q1 2026) to $4.68B (Q1 2024), 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
$4.44B total assets against $4.58B; $3.85B total liabilities against $4.00B.
$3.70B net loans and leases against $3.80B; $3.61B total deposits against $3.67B.
$145.9M securities against $143.9M; $283.0M cash and balances due against $320.4M.
$61.2M total interest income against $63.7M; $15.8M total interest expense against $19.2M.
$45.4M net interest income against $44.4M.
$9.4M total noninterest income against $10.1M; $32.8M total noninterest expense against $31.0M.
$920K provision for credit losses against $1.3M.
$16.7M net income against $17.5M.
1.56% return on assets against 1.61%; 4.44% net interest margin against 4.36%.
13.74% CET1 capital ratio against 13.02%; 12.91% tier 1 leverage ratio against 12.39%.
Inside the full HomeTrust Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
HomeTrust Bank rankings
Its closest position to the top of a national ranking is 307 of 4,196, for total assets; its furthest is 660 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.22% (Q3 2024) to 1.61% (Q2 2025) and its net interest margin ran from 4.09% (Q3 2024) to 4.44% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.74% | 1.56% | 1.40% | 5.51% | 4.44% |
| Q1 2026 | 14.09% | 1.56% | 1.28% | 5.17% | 4.30% |
| Q4 2025 | 13.71% | 1.48% | 1.17% | 4.91% | 4.28% |
| Q3 2025 | 13.32% | 1.52% | 0.85% | 4.40% | 4.40% |
| Q2 2025 | 13.02% | 1.61% | 0.78% | 5.15% | 4.36% |
| Q1 2025 | 12.98% | 1.34% | 0.72% | 4.82% | 4.17% |
| Q4 2024 | 12.74% | 1.30% | 0.72% | 4.99% | 4.17% |
| Q3 2024 | 12.39% | 1.22% | 0.78% | 5.46% | 4.09% |
Swipe the table sideways to see every column.
Branch Network
View all 33 branches → 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 |
|---|---|---|---|
| HomeTrust Bank (main office) | Asheville , NC | 28801 | $696.0M |
| Morristown Main Office | Morristown , TN | 37814 | $275.5M |
| Suwanee Branch | Suwanee , GA | 30024 | $252.0M |
| Eden Branch | Eden , NC | 27288 | $156.0M |
| Raleigh 6 Forks Branch | Raleigh , NC | 27609 | $142.7M |
| Johnson City Branch | Johnson City , TN | 37601 | $140.1M |
| Hendersonville Branch | Hendersonville , NC | 28792 | $135.6M |
| Woodruff Road Office | Greenville , SC | 29607 | $131.8M |
| Waynesville Branch | Waynesville , NC | 28786 | $131.4M |
| Columbus Branch | Columbus , NC | 28722 | $125.7M |
| Tryon Branch | Tryon , NC | 28782 | $123.9M |
| Weaverville Branch | Weaverville , NC | 28787 | $116.9M |
| Shelby Main Office | Shelby , NC | 28150 | $101.9M |
| Southpark Branch | Charlotte , NC | 28210 | $86.1M |
| Reidsville Branch | Reidsville , NC | 27320 | $85.6M |
| Roanoke Branch | Roanoke , VA | 24011 | $82.2M |
| South Asheville Branch | Asheville , NC | 28803 | $81.9M |
| Clyde Branch | Clyde , NC | 28721 | $80.7M |
| Arden Branch | Arden , NC | 28704 | $76.9M |
| Starkey Road Branch | Roanoke , VA | 24018 | $72.5M |
| Lexington Branch | Lexington , NC | 27292 | $70.4M |
| Vinton Branch | Vinton , VA | 24179 | $60.5M |
| Crossroads-Roanoke Branch | Roanoke , VA | 24012 | $60.5M |
| Johnson City Branch | Johnson City , TN | 37604 | $49.3M |
| Church Circle Branch | Kingsport , TN | 37660 | $41.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 13, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 13, 2023 | Structure Change | Acquired Quantum National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2017 | Structure Change | Acquired TriSummit Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2014 | Structure Change | Acquired Bank of Commerce Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 31, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 31, 2014 | Structure Change | Acquired Jefferson Federal Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2013 | Structure Change | Acquired BankGreenville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2010 | Structure Change | Acquired Cherryville Federal Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2010 | Structure Change | Acquired Industrial Federal Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 31, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2005 | Structure Change | Acquired Home Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 31, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 1998 | Structure Change | Acquired Shelby Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 28, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1996 | Structure Change | Acquired Tryon Federal Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 20 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action October 6, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in NC, rank 21 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,938 applications, 1,925 loans originated, $675.2M originated, across 21 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 69 loans, $65.0M approved, $941K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 HomeTrust Bank
What are HomeTrust Bank's total assets?
As of the Q2 2026 filing, HomeTrust Bank reported total assets of $4.44 billion in its FFIEC call report.
Where is HomeTrust Bank headquartered?
It is headquartered in Asheville, NC, United States.
When was HomeTrust Bank founded?
It was established in 1926, per the FDIC institution directory.
Is HomeTrust Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #27677). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates HomeTrust Bank?
HomeTrust Bank's primary federal regulator is the Federal Reserve.
What is HomeTrust Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.74% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does HomeTrust Bank operate?
It operates 33 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is HomeTrust Bank's Texas Ratio?
Its Texas Ratio is 5.51% 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 HomeTrust Bank previously called?
The charter now named HomeTrust Bank has also operated as HomeTrust Bank, National Association (2014-2015), The Hometown Bank (1996-2003), Clyde Savings Bank, SSB (1992-1996), Clyde Savings Bank (1990-1992), per FDIC structure-change records.
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