Headquartered in Eureka, Kansas, Home Bank and Trust Company is a state-chartered bank with $183.3M in total assets and $166.8M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1904.
Based on its Q2 2026 filing, Home Bank and Trust Company scores 67/100, which we describe as moderate. That is higher than only 34% of 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 142nd. Its strongest component is earnings (100/100; 2.17%), and its lowest is capital cushion (33/100; 8.28%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (68 → 67).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 69 |
| Q4 2024 | 69 |
| Q1 2025 | 65 |
| Q2 2025 | 68 |
| Q3 2025 | 70 |
| Q4 2025 | 70 |
| Q1 2026 | 74 |
| Q2 2026 | 67 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.75% |
| Q3 2024 | 7.75% |
| Q4 2024 | 7.86% |
| Q1 2025 | 7.75% |
| Q2 2025 | 7.93% |
| Q3 2025 | 8.12% |
| Q4 2025 | 7.65% |
| Q1 2026 | 8.02% |
| Q2 2026 | 8.28% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.02% |
| Q3 2024 | 0.08% |
| Q4 2024 | 0.08% |
| Q1 2025 | 0.27% |
| Q2 2025 | 0.21% |
| Q3 2025 | 0.22% |
| Q4 2025 | 0.02% |
| Q1 2026 | 0.01% |
| Q2 2026 | 0.63% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.55% |
| Q3 2024 | 1.60% |
| Q4 2024 | 1.52% |
| Q1 2025 | 1.32% |
| Q2 2025 | 1.52% |
| Q3 2025 | 1.62% |
| Q4 2025 | 1.49% |
| Q1 2026 | 2.21% |
| Q2 2026 | 2.17% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $183.3M | 8.28% | 0.63% | 2.17% | 91.5% |
| Q1 2026 | 74 | $180.6M | 8.02% | 0.01% | 2.21% | 88.1% |
| Q4 2025 | 70 | $185.0M | 7.65% | 0.02% | 1.49% | 78.7% |
| Q3 2025 | 70 | $180.9M | 8.12% | 0.22% | 1.62% | 80.4% |
| Q2 2025 | 68 | $172.5M | 7.93% | 0.21% | 1.52% | 88.9% |
| Q1 2025 | 65 | $176.9M | 7.75% | 0.27% | 1.32% | 87.0% |
| Q4 2024 | 69 | $165.9M | 7.86% | 0.08% | 1.52% | 89.2% |
| Q3 2024 | 69 | $164.4M | 7.75% | 0.08% | 1.60% | 91.5% |
| Q2 2024 | 68 | $168.9M | 7.75% | 0.02% | 1.55% | 90.6% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Solomon State BankBank Solomon, KS | 95 out of 100, Very strong | $182.6M | 19.0% | 0.00% | vs |
| The Farmers State BankBank Mcpherson, KS | 78 out of 100, Strong | $180.5M | 10.0% | 0.01% | vs |
| Southwind BankBank Natoma, KS | 70 out of 100, Strong | $186.6M | 10.4% | 0.74% | vs |
| The Farmers State Bank of Aliceville, KansasBank Westphalia, KS | 82 out of 100, Strong | $179.6M | 19.2% | 1.05% | vs |
| Community BankBank Topeka, KS | 83 out of 100, Strong | $188.8M | 11.5% | 0.22% | vs |
| Citizens Federal Savings BankBank Leavenworth, KS | 80 out of 100, Strong | $190.1M | 20.1% | 0.15% | vs |
Deposit insurance
Is my money safe at Home Bank and Trust Company?
Yes. Home Bank and Trust Company is an FDIC-insured institution (FDIC certificate #4664). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 28.9% of deposits ($48.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.28%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.36% (benchmark: 10%).
6 locations
Branches
Home Bank and Trust Company lists 5 offices in 4 cities. Most locations:
- Wichita, KS (2)
- Clearwater, KS (1)
- Eureka, KS (1)
- Severy, KS (1)
HMDA 2025
Mortgage lending
In 2025, Home Bank and Trust Company reported 162 home-loan applications under HMDA (LEI 549300T73HHIEIUU5F67): 135 originated ($30,095,000 total), 4 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.5%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Home Bank and Trust Company
- Former names
- The Home National Bank of Eureka; Home Bank and Trust Company of Eureka
- Type
- State-chartered bank
- FDIC certificate #
- 4664
- RSSD ID
- 840251
- Primary regulator
- FDIC
- Holding company
- Greenwood Cnty Finl Services
- Established
- August 4, 1904
- Headquarters
- 217 N Main St, Eureka, KS 67045
- Website
- www.homebank-trust.com
- Employees
- 30
Quick answers
Home Bank and Trust Company: common questions
Is Home Bank and Trust Company FDIC insured?
Yes. Home Bank and Trust Company is an FDIC-insured institution (FDIC certificate #4664). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Home Bank and Trust Company's TellerScore?
67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Home Bank and Trust Company ever failed?
There is no failure record for FDIC certificate #4664 in the FDIC failed bank list.
How many branches does Home Bank and Trust Company have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Eureka
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Citizens State BankBank Gridley, KS | 81 out of 100, Strong | $336.2M | 12.1% | 0.58% | vs |
| Bank of CommerceBank Chanute, KS | 74 out of 100, Strong | $497.5M | 9.2% | 0.05% | vs |
| Emprise BankBank Wichita, KS | 66 out of 100, Moderate | $2.8B | 7.7% | 0.37% | vs |
| Community National Bank & TrustBank Chanute, KS | 65 out of 100, Moderate | $2.5B | 9.0% | 0.80% | vs |