HomeTrust 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 dropped 6.17 percentage points in Q2 2026, from 75.07% to 68.89%. It was the largest change from Q1 2026 among the key lines here. Within North Carolina, HomeTrust Bank is 10th of 38 on return on assets, 1.56% as of Q2 2026. HomeTrust Bank reported 1.56% on return on assets for Q2 2026, 0.29 points above the 1.27% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.74% |
| Tier 1 risk-based capital ratio | 13.74% |
| Total risk-based capital ratio | 14.84% |
| Tier 1 leverage ratio | 12.91% |
| Equity capital to assets | 13.23% |
| Tangible equity to tangible assets | 12.48% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.54% |
| Non-performing assets ratio | 1.39% |
| Net charge-off ratio | 0.20% |
| Texas ratio | 5.51% |
| Allowance for credit losses to loans | 1.06% |
| Reserve coverage of non-performing loans | 68.89% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.56% |
| Return on equity | 11.38% |
| Net interest margin | 4.44% |
| Efficiency ratio | 58.86% |
| Yield on earning assets | 5.96% |
| Cost of funds | 1.76% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.61% |
| Core deposits to total deposits | 91.89% |
| Brokered deposits to total deposits | 3.78% |
| Deposits to assets | 81.42% |
| Securities to assets | 3.29% |
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 | 11.42% | 11.42% | 12.47% | 10.71% | 1.40% |
| Q4 2023 | 11.83% | 11.83% | 12.90% | 11.08% | 1.28% |
| Q1 2024 | 12.13% | 12.13% | 13.27% | 11.28% | 1.42% |
| Q2 2024 | 12.09% | 12.09% | 13.26% | 11.43% | 1.18% |
| Q3 2024 | 12.39% | 12.39% | 13.55% | 11.54% | 1.22% |
| Q4 2024 | 12.74% | 12.74% | 13.84% | 11.68% | 1.30% |
| Q1 2025 | 12.98% | 12.98% | 14.18% | 11.97% | 1.34% |
| Q2 2025 | 13.02% | 13.02% | 14.19% | 12.39% | 1.61% |
| Q3 2025 | 13.32% | 13.32% | 14.47% | 12.44% | 1.52% |
| Q4 2025 | 13.71% | 13.71% | 14.85% | 12.65% | 1.48% |
| Q1 2026 | 14.09% | 14.09% | 15.23% | 12.70% | 1.56% |
| Q2 2026 | 13.74% | 13.74% | 14.84% | 12.91% | 1.56% |
HomeTrust Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock HomeTrust 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 HomeTrust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27677) · FFIEC NIC profile (RSSD 212577)