HomeTrust Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Total interest expense fell 7.5% in Q2 2026 to $15.8M, the biggest move on this page. Within North Carolina, HomeTrust Bank is 5th of 38 on net interest margin, 4.44% as of Q2 2026. HomeTrust Bank reported 4.44% on net interest margin for Q2 2026, 0.73 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.96% |
| Yield on loans | 6.14% |
| Yield on securities | 4.36% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.76% |
| Cost of interest-bearing deposits | 2.16% |
| Cost of interest-bearing liabilities | 2.09% |
| Cost of borrowings | 3.47% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.44% |
| Yield to cost spread | 3.87% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $56.4M |
| Total interest expense | $15.8M |
| Interest expense on deposits | $15.6M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.97% | 1.65% | 4.14% | 6.08% | 3.43% |
| Q4 2023 | 6.10% | 1.78% | 4.14% | 6.23% | 3.67% |
| Q1 2024 | 6.12% | 2.25% | 4.05% | 6.24% | 4.15% |
| Q2 2024 | 6.31% | 2.39% | 4.13% | 6.44% | 4.45% |
| Q3 2024 | 6.39% | 2.53% | 4.09% | 6.53% | 4.61% |
| Q4 2024 | 6.33% | 2.39% | 4.17% | 6.44% | 4.41% |
| Q1 2025 | 6.14% | 2.17% | 4.17% | 6.21% | 4.68% |
| Q2 2025 | 6.23% | 2.07% | 4.36% | 6.40% | 4.43% |
| Q3 2025 | 6.29% | 2.12% | 4.40% | 6.42% | 4.54% |
| Q4 2025 | 6.10% | 2.04% | 4.28% | 6.30% | 4.34% |
| Q1 2026 | 5.93% | 1.85% | 4.30% | 6.13% | 4.44% |
| Q2 2026 | 5.96% | 1.76% | 4.44% | 6.14% | 4.36% |
HomeTrust Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock HomeTrust Bank, freeSource: Call Report Schedules RI and RC-K, 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)