HomeTrust Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
CRE concentration (Tier 1 capital + allowance) climbed 14.43 percentage points in Q2 2026, from 222.22% to 236.65%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, HomeTrust Bank ranks 2nd highest among the 38 banks headquartered in North Carolina, at 103.61% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. HomeTrust Bank sits 15.41 points higher, at 103.61% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $3.74B |
| Net loans and leases | $3.70B |
| Loans held for sale | $120.9M |
| Loans to total assets | 84.36% |
| Loan-to-deposit ratio | 103.61% |
| Net loans to equity capital | 6.31% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.87% |
| Multifamily (5+ residential) | 3.49% |
| Commercial and industrial | 15.99% |
| Consumer | 0.81% |
| Credit cards | 0.00% |
| Farm | 0.15% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 4.56% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 236.65% |
| Construction concentration (Tier 1 capital + allowance) | 63.57% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.14% |
| Interest income on loans | $56.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $3.87B | $3.64B | 36.57% | 20.48% | 2.92% |
| Q4 2023 | $3.84B | $3.66B | 37.03% | 20.67% | 2.96% |
| Q1 2024 | $3.87B | $3.80B | 36.57% | 20.59% | 2.74% |
| Q2 2024 | $3.93B | $3.71B | 36.61% | 20.79% | 2.41% |
| Q3 2024 | $3.89B | $3.76B | 36.77% | 21.18% | 2.15% |
| Q4 2024 | $3.85B | $3.78B | 36.56% | 21.67% | 1.92% |
| Q1 2025 | $3.80B | $3.74B | 37.66% | 22.23% | 1.69% |
| Q2 2025 | $3.84B | $3.67B | 37.29% | 22.07% | 1.46% |
| Q3 2025 | $3.84B | $3.71B | 36.56% | 22.19% | 1.27% |
| Q4 2025 | $3.78B | $3.72B | 36.77% | 21.21% | 1.13% |
| Q1 2026 | $3.66B | $3.65B | 37.20% | 17.03% | 0.98% |
| Q2 2026 | $3.74B | $3.61B | 37.87% | 15.99% | 0.81% |
HomeTrust Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock HomeTrust Bank, freeSource: Call Report Schedule RC-C, 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)