The Home Trust & Savings Bank is a state-chartered bank (fed member) headquartered in Osage, Iowa, in business for about 127 years. At the end of Q2 2026 it reported $287.7M in total assets and $252.9M in deposits, with 1 office.
Based on its Q2 2026 filing, The Home Trust & Savings Bank scores 69/100, which we describe as moderate. That is higher than only 40% of 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 145th. Its strongest component is problem-loan coverage (87/100; 6.7%), and its lowest is capital cushion (58/100; 10.83%).
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 → 69).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 65 |
| Q4 2024 | 64 |
| Q1 2025 | 65 |
| Q2 2025 | 68 |
| Q3 2025 | 70 |
| Q4 2025 | 72 |
| Q1 2026 | 73 |
| Q2 2026 | 69 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.02% |
| Q3 2024 | 10.13% |
| Q4 2024 | 10.23% |
| Q1 2025 | 10.19% |
| Q2 2025 | 10.42% |
| Q3 2025 | 10.62% |
| Q4 2025 | 10.68% |
| Q1 2026 | 10.66% |
| Q2 2026 | 10.83% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.29% |
| Q3 2024 | 0.48% |
| Q4 2024 | 0.67% |
| Q1 2025 | 0.75% |
| Q2 2025 | 0.56% |
| Q3 2025 | 0.51% |
| Q4 2025 | 0.33% |
| Q1 2026 | 0.37% |
| Q2 2026 | 0.80% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.57% |
| Q3 2024 | 0.62% |
| Q4 2024 | 0.65% |
| Q1 2025 | 0.95% |
| Q2 2025 | 0.93% |
| Q3 2025 | 1.04% |
| Q4 2025 | 1.06% |
| Q1 2026 | 1.22% |
| Q2 2026 | 1.33% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $287.7M | 10.83% | 0.80% | 1.33% | 82.8% |
| Q1 2026 | 73 | $294.8M | 10.66% | 0.37% | 1.22% | 80.6% |
| Q4 2025 | 72 | $290.7M | 10.68% | 0.33% | 1.06% | 81.2% |
| Q3 2025 | 70 | $290.3M | 10.62% | 0.51% | 1.04% | 77.2% |
| Q2 2025 | 68 | $285.2M | 10.42% | 0.56% | 0.93% | 80.0% |
| Q1 2025 | 65 | $291.2M | 10.19% | 0.75% | 0.95% | 81.0% |
| Q4 2024 | 64 | $290.9M | 10.23% | 0.67% | 0.65% | 80.8% |
| Q3 2024 | 65 | $284.9M | 10.13% | 0.48% | 0.62% | 79.0% |
| Q2 2024 | 66 | $284.9M | 10.02% | 0.29% | 0.57% | 82.9% |
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 Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Whitney Bank and TrustBank Atlantic, IA | 84 out of 100, Strong | $287.5M | 11.5% | 0.00% | vs |
| Fairfax State Savings BankBank Fairfax, IA | 67 out of 100, Moderate | $287.0M | 9.5% | 0.25% | vs |
| United Community BankBank Milford, IA | 51 out of 100, Below average | $290.0M | 8.5% | 1.51% | vs |
| State Savings BankBank West Des Moines, IA | 58 out of 100, Moderate | $291.9M | 8.7% | 1.02% | vs |
| Pioneer BankBank Sergeant Bluff, IA | 77 out of 100, Strong | $282.8M | 10.6% | 0.09% | vs |
| Crawford County Trust and Savings BankBank Denison, IA | 80 out of 100, Strong | $294.5M | 9.9% | 0.03% | vs |
Deposit insurance
Is my money safe at The Home Trust & Savings Bank?
Yes. The Home Trust & Savings Bank is an FDIC-insured institution (FDIC certificate #963). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 22.9% of deposits ($58.0M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.83%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.33% (benchmark: 10%).
1 location
Branches
The Home Trust & Savings Bank lists 1 office in 1 city. Most locations:
- Osage, IA (1)
Identity & history
Profile
- Legal name
- The Home Trust & Savings Bank
- Former names
- The Home Trust and Savings Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 963
- RSSD ID
- 60545
- Primary regulator
- FED
- Holding company
- Htb Inc
- Established
- December 1, 1899
- Headquarters
- 628 Main St, Osage, IA 50461
- Website
- www.hometrustbank.com
- Employees
- 15
Quick answers
The Home Trust & Savings Bank: common questions
Is The Home Trust & Savings Bank FDIC insured?
Yes. The Home Trust & Savings Bank is an FDIC-insured institution (FDIC certificate #963). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Home Trust & Savings Bank's TellerScore?
69 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 The Home Trust & Savings Bank ever failed?
There is no failure record for FDIC certificate #963 in the FDIC failed bank list.
How many branches does The Home Trust & Savings Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Osage
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ace Credit UnionCredit union Mason City, IA | 89 out of 100, Very strong | $7.5M | 20.9% | 0.12% | vs |
| Family Community Credit UnionCredit union Charles City, IA | 82 out of 100, Strong | $26.3M | 12.1% | 0.08% | vs |
| First Citizens BankBank Mason City, IA | 81 out of 100, Strong | $1.8B | 12.0% | 0.16% | vs |
| Security State BankBank Sutherland, IA | 77 out of 100, Strong | $492.3M | 11.1% | 0.23% | vs |
| Cent Credit UnionCredit union Mason City, IA | 77 out of 100, Strong | $166.0M | 12.7% | 0.20% | vs |
| Iowa Heartland Credit UnionCredit union Mason City, IA | 77 out of 100, Strong | $30.3M | 17.0% | 0.42% | vs |