TellerScore

HomeTrust Bank is a state-chartered bank (fed member) headquartered in Asheville, North Carolina, in business for about 100 years. At the end of Q2 2026 it reported $4.4B in total assets and $3.6B in deposits, with 33 offices across 5 states.

HomeTrust Bank has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 49% of its 897 banks with $1 billion – $10 billion. Among 38 banks headquartered in North Carolina, it ranks 25th. Problem-loan coverage contributes the most (82/100, 8.9%); funding & liquidity contributes the least (45/100, 103% loans-to-deposits, 26% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion79/100
Tier 1 leverage ratio: 12.91%
Loan quality53/100
Noncurrent loans ÷ total loans: 1.40%
Earnings81/100
Return on assets (annualized): 1.52%
Funding & liquidity45/100
Loans ÷ deposits and uninsured-deposit share: 102.5% · 26.5% uninsured
Problem-loan coverage82/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 8.94%

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

From Q2 2025 to Q2 2026, the score fell 4 points (72 → 68), mostly because the loan quality component weakened by 21 points.

TellerScore
687072Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202468
Q4 202470
Q1 202571
Q2 202572
Q3 202572
Q4 202569
Q1 202669
Q2 202668
Tier 1 leverage ratio
5.00%8.95%12.91%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.43%
Q3 202411.54%
Q4 202411.68%
Q1 202511.97%
Q2 202512.39%
Q3 202512.44%
Q4 202512.65%
Q1 202612.70%
Q2 202612.91%
Noncurrent loans
0.66%1.03%1.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.66%
Q3 20240.78%
Q4 20240.72%
Q1 20250.72%
Q2 20250.78%
Q3 20250.85%
Q4 20251.17%
Q1 20261.28%
Q2 20261.40%
Return on assets
1.21%1.37%1.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.23%
Q3 20241.21%
Q4 20241.22%
Q1 20251.30%
Q2 20251.41%
Q3 20251.43%
Q4 20251.43%
Q1 20261.53%
Q2 20261.52%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$4.4B12.91%1.40%1.52%102.5%
Q1 202669$4.4B12.70%1.28%1.53%99.1%
Q4 202569$4.5B12.65%1.17%1.43%100.6%
Q3 202572$4.6B12.44%0.85%1.43%102.3%
Q2 202572$4.6B12.39%0.78%1.41%103.4%
Q1 202571$4.6B11.97%0.72%1.30%100.4%
Q4 202470$4.6B11.68%0.72%1.22%100.8%
Q3 202468$4.6B11.54%0.78%1.21%102.1%
Q2 202469$4.7B11.43%0.66%1.23%104.6%

897 peers · $1 billion – $10 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).

Capital ratio12.91%
84th
Total risk-based capital14.84%
65th
Problem loans1.40%
18th
Net charge-offs0.20%
20th
Return on assets1.52%
70th
Net interest margin4.36%
83rd
Efficiency ratio59.4%
48th
Loans to deposits102.5%
10th
Uninsured deposits26.5%
65th
Loan-loss reserves1.06%
39th
Texas ratio8.9%
21st

Similar-size banks in North Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
The Fidelity BankBank Fuquay Varina, NC78 out of 100, Strong$4.7B11.5%0.42%vs
Southern Bank and Trust CompanyBank Mount Olive, NC70 out of 100, Strong$5.3B9.6%0.12%vs
First Carolina BankBank Rocky Mount, NC66 out of 100, Moderate$3.4B11.4%0.81%vs
Peoples BankBank Newton, NC75 out of 100, Strong$1.8B11.5%0.41%vs
Providence BankBank Rocky Mount, NC82 out of 100, Strong$1.5B12.2%0.12%vs
North State BankBank Raleigh, NC61 out of 100, Moderate$1.5B8.5%0.17%vs

Deposit insurance

Is my money safe at HomeTrust Bank?

Yes. HomeTrust Bank is an FDIC-insured institution (FDIC certificate #27677). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.5% of deposits ($956.2M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.91%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.84% (benchmark: 10%).

Check how much of your own balance is covered

33 locations

Branches

HomeTrust Bank lists 33 offices in 26 cities across 5 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, HomeTrust Bank reported 2,844 home-loan applications under HMDA (LEI 549300COIWXM618UBE82): 1,925 originated ($675,155,000 total), 624 denied, and 252 withdrawn or closed by the applicant. Its denial rate on decided applications was 24.1%, 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
HomeTrust Bank
Former names
The Hometown Bank; HomeTrust Bank, National Association; Clyde Savings Bank, SSB; Clyde Savings Bank; Clyde Savings and Loan Association
Type
State-chartered bank (Fed member)
FDIC certificate #
27677
RSSD ID
212577
Primary regulator
FED
Holding company
Hometrust Bancshares Inc
Established
January 1, 1926
Headquarters
10 Woodfin St, Asheville, NC 28801
Employees
585

Quick answers

HomeTrust Bank: common questions

Is HomeTrust Bank FDIC insured?

Yes. HomeTrust Bank is an FDIC-insured institution (FDIC certificate #27677). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is HomeTrust Bank's TellerScore?

68 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 HomeTrust Bank ever failed?

There is no failure record for FDIC certificate #27677 in the FDIC failed bank list.

How many branches does HomeTrust Bank have?

33 offices as of the latest FDIC data, in 5 states.

Nearby

Highest-scoring banks and credit unions with branches near Asheville

InstitutionScoreAssetsCapitalProblem loansCompare
Oteen V. A. Federal Credit UnionCredit union Asheville, NC91 out of 100, Very strong$34.3M13.0%0.15%vs
Wnc Community Credit UnionCredit union Waynesville, NC83 out of 100, Strong$96.0M17.0%0.28%vs
Arcade Credit UnionCredit union Asheville, NC80 out of 100, Strong$7.8M14.4%0.70%vs
The Fidelity BankBank Fuquay Varina, NC78 out of 100, Strong$4.7B11.5%0.42%vs
TruPoint BankBank Grundy, VA77 out of 100, Strong$690.8M10.6%0.02%vs
Bank OZKBank Little Rock, AR76 out of 100, Strong$41.7B14.0%0.92%vs