HomeTrust Bank: how it compares with its peers
Against 388 U.S. banks with half to twice its assets, HomeTrust Bank's strongest measure in Q2 2026 is net interest margin (4.36% vs. a 3.65% peer median). Its weakest relative measure is assets per employee ($7.6M vs. $9.4M).
| Measure | HomeTrust Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.52% | 1.29% | Top third Ahead of 70% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.36% | 3.65% | Top third Ahead of 83% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.43% | 57.40% | Middle third Ahead of 39% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.6M | $9.4M | Bottom third Ahead of 24% of peers |
| Loans to deposits Net loans and leases over total deposits. | 102.51% | 88.61% | Context |
What it means for lending operations
Its efficiency ratio of 59.43% is above the 57.40% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Capital City Bank Tallahassee, FL · $4.45B
- ChoiceOne Bank Sparta, MI · $4.45B
- American Business Bank Los Angeles, CA · $4.42B
- Arrow Bank National Association Glens Falls, NY · $4.46B
- First Business Bank Madison, WI · $4.41B
- Sunwest Bank Sandy, UT · $4.41B
Questions about HomeTrust Bank
How big is HomeTrust Bank?
HomeTrust Bank, established in 1926, is headquartered in Asheville, NC. It reported $4.44B in total assets in its Q2 2026 FDIC call report and operates 33 offices.
What is HomeTrust Bank's return on assets?
1.52% annualized in Q2 2026, against a 1.29% median for 388 U.S. banks with half to twice its assets, ahead of 70% of them.
What is HomeTrust Bank's efficiency ratio?
59.43% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 57.40%, and lower is better.
Is HomeTrust Bank growing its loans?
Net loans shrank 2.5% over the year to Q2 2026, while deposits shrank 1.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every North Carolina bank ranked.