Side-by-side · Q2 2026 data
HomeTrust Bank vs First Carolina Bank
Metric by metric
| Measure | HomeTrust Bank | First Carolina Bank |
|---|---|---|
| TellerScore | 68 (stronger) | 66 |
| Capital cushion | 79 (stronger) | 64 |
| Loan quality | 53 | 73 (stronger) |
| Earnings | 81 (stronger) | 51 |
| Funding & liquidity | 45 | 62 (stronger) |
| Problem-loan coverage | 82 | 91 (stronger) |
| Peer percentile | 49th | 40th |
| Total assets | $4.4B | $3.4B |
| Deposits / shares | $3.6B | $2.9B |
| Capital ratio | 12.91% (stronger) | 11.36% |
| Problem loans | 1.40% | 0.81% (stronger) |
| Net charge-offs | 0.20% | 0.00% (stronger) |
| Return on assets | 1.52% (stronger) | 0.78% |
| Loans ÷ deposits | 102.5% | 94.8% (stronger) |
| Uninsured deposits | 26.5% | 17.7% (stronger) |
| Offices | 33 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.1% | 5.6% |
HomeTrust Bank has the higher TellerScore (68 vs 66). On the 7 directional measures above (where higher or lower is clearly better), HomeTrust Bank leads on 3 and First Carolina Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.