HomeTrust Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks HomeTrust Bank of Asheville, NC against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.56% | 1.34% | +0.22% | 69th above |
| ROAE | 11.38% | 12.34% | -0.96% | 42nd below |
| Net Interest Margin | 4.44% | 3.83% | +0.61% | 87th top |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 58.86% | 58.97% | -0.11% | 48th below |
| PPNR / Avg Assets | 2.05% | — | — | 70th above |
| Yield on Earning Assets | 5.96% | 5.71% | +0.25% | 74th above |
| Cost of Funds | 1.76% | 2.02% | -0.26% | 65th above |
| Net Interest Spread | 3.87% | — | — | 88th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.40% | 0.87% | +0.53% | 19th bottom |
| NPA / Total Assets | 1.26% | — | — | 14th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.20% | 0.43% | -0.23% | 19th bottom |
| ACL / Total Loans | 1.06% | — | — | 38th below |
| ACL / NPLs (Coverage) | 76.20% | — | — | 15th bottom |
| Texas Ratio | 5.51% | 5.48% | +0.03% | 35th below |
| Provision / NCO | 50.05% | — | — | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.74% | 14.99% | -1.25% | 54th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.74% | 15.02% | -1.28% | 53rd above |
| Total Capital Ratio | 14.84% | — | — | 53rd above |
| Leverage Ratio | 12.91% | 11.11% | +1.80% | 84th top |
| Equity / Assets | 13.23% | 11.02% | +2.21% | 85th top |
| TCE / Tangible Assets | 12.48% | — | — | 86th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 103.61% | 86.99% | +16.62% | 10th bottom |
| Core Deposit Ratio | 91.89% | 85.57% | +6.32% | 68th above |
| Uninsured Deposit Ratio | 26.47% | 33.19% | -6.72% | 66th above |
| Wholesale Funding Ratio | 4.03% | — | — | 49th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.07% | — | — | 6th bottom |
| Loan Growth (Y/Y) | -2.60% | — | — | 8th bottom |
| Deposit Growth (Y/Y) | -1.66% | — | — | 10th bottom |
See HomeTrust Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock HomeTrust Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full HomeTrust Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the HomeTrust Bank peer analysis.