HomeTrust Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The biggest quarter-over-quarter change on this page was a small one: Equity capital to total assets edged down 0.23 percentage points between Q1 2026 and Q2 2026, to 13.23%. Within North Carolina, HomeTrust Bank is 16th of 26 on CET1 ratio, 13.74% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio; HomeTrust Bank reported 13.74% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.74% |
| Tier 1 risk-based capital ratio | 13.74% |
| Total risk-based capital ratio | 14.84% |
| Tier 1 leverage ratio | 12.91% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $549.3M |
| Tier 1 capital | $549.3M |
| Total risk-based capital | $593.0M |
| Total equity capital | $587.2M |
| Risk-weighted assets | $4.00B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.23% |
| Tangible equity to tangible assets | 12.48% |
| Equity capital to average assets | 13.68% |
| Internal capital growth rate | -2.21% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $341.1M |
| Retained earnings | $249.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$438K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.42% | 11.42% | 12.47% | 10.71% | $4.13B |
| Q4 2023 | 11.83% | 11.83% | 12.90% | 11.08% | $4.09B |
| Q1 2024 | 12.13% | 12.13% | 13.27% | 11.28% | $4.08B |
| Q2 2024 | 12.09% | 12.09% | 13.26% | 11.43% | $4.15B |
| Q3 2024 | 12.39% | 12.39% | 13.55% | 11.54% | $4.10B |
| Q4 2024 | 12.74% | 12.74% | 13.84% | 11.68% | $4.06B |
| Q1 2025 | 12.98% | 12.98% | 14.18% | 11.97% | $4.04B |
| Q2 2025 | 13.02% | 13.02% | 14.19% | 12.39% | $4.11B |
| Q3 2025 | 13.32% | 13.32% | 14.47% | 12.44% | $4.10B |
| Q4 2025 | 13.71% | 13.71% | 14.85% | 12.65% | $4.05B |
| Q1 2026 | 14.09% | 14.09% | 15.23% | 12.70% | $3.92B |
| Q2 2026 | 13.74% | 13.74% | 14.84% | 12.91% | $4.00B |
HomeTrust Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock HomeTrust Bank, freeSource: Call Report Schedule RC-R, 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 HomeTrust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27677) · FFIEC NIC profile (RSSD 212577)