HomeTrust Bank

10 Woodfin Street
Asheville, NC 28801

 

2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 27677
Date Established 1926
Assets $3.30 billion
Loans $2.51 billion
Deposits $2.23 billion
Capital $0.37 billion

HomeTrust Bank is an FDIC insured institution located in Asheville, NC. It was founded in 1926 and has approximately $3.3 billion in assets. Customers can open an account at one of its 51 branches.

For a more detailed analysis of HomeTrust Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in HomeTrust Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Construction and Development Loans.

Compared to other banks in North Carolina, HomeTrust Bank has a significantly higher percent of Consumer Auto Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 39.03
Multifamily
Mortgages
4.24
Credit Card Loans 0.00
Consumer Auto Loans 7.14
Small Business Loans 8.09
Construction and Development Loans 10.18
Commercial Real Estate 29.82
Commercial and Industrial Loans 5.99
Farm Loans 0.00

Deposit Rates - December 19, 2018

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $2,500 $9,999 Learn MoreShow Less
Money Market
0.10% $10,000 $24,999 Learn MoreShow Less
Money Market
0.10% $25,000 $49,999 Learn MoreShow Less
Premium Money Market Account
0.12% $10,000 $24,999 Learn MoreShow Less
Premium Money Market Account
0.12% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.10% $10,000 $24,999 Learn MoreShow Less
3 Mo CD
0.12% $50,000 - Learn MoreShow Less
6 Mo CD
0.10% $10,000 $24,999 Learn MoreShow Less
6 Mo CD
0.12% $50,000 - Learn MoreShow Less
Special: 7 Mo CD
1.85% $5,000 - Learn MoreShow Less
12 Mo CD
0.15% $10,000 $24,999 Learn MoreShow Less
12 Mo CD
0.20% $50,000 - Learn MoreShow Less
Special: 13 Mo CD
2.00% $5,000 - Learn MoreShow Less
18 Mo CD
0.15% $10,000 $24,999 Learn MoreShow Less
18 Mo CD
0.25% $50,000 - Learn MoreShow Less
24 Mo CD
0.20% $10,000 $24,999 Learn MoreShow Less
24 Mo CD
0.31% $50,000 - Learn MoreShow Less
Special: 25 Mo CD
2.50% $5,000 - Learn MoreShow Less
30 Mo CD
0.41% $10,000 $24,999 Learn MoreShow Less
30 Mo CD
0.41% $50,000 - Learn MoreShow Less
Special: 36 Mo CD
3.00% $5,000 - Learn MoreShow Less
36 Mo CD
0.51% $10,000 $24,999 Learn MoreShow Less
36 Mo CD
0.51% $50,000 - Learn MoreShow Less
48 Mo CD
0.65% $10,000 $24,999 Learn MoreShow Less
48 Mo CD
0.65% $50,000 - Learn MoreShow Less
60 Mo CD
0.81% $10,000 $24,999 Learn MoreShow Less
60 Mo CD
0.81% $50,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.10% $500 $9,999 Learn MoreShow Less
Special: 36 Mo FIRA
3.00% $5,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.17% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,000 $2,499 Learn MoreShow Less
Int Ckg
0.10% $2,500 $9,999 Learn MoreShow Less

Loan Rates - December 19, 2018

Your Current Location: Virginia, VA 20146

Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

HomeTrust Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


HomeTrust Bank Locations

Financial Details

HomeTrust Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of HomeTrust Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
HomeTrust Bank U.S. Bank Average
3.54% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2018, HomeTrust Bank had $11,021,000 in non-current loans and $2,879,000 in owned real estate. To cover these potential losses it had $372,206,000 in equity and $20,996,000 in loans loss reserves. That gives it a Texas Ratio of 3.54%.

Return on Equity
HomeTrust Bank U.S. Bank Average
7.36% 9.77%

HomeTrust Bank has a Return on Equity of 7.36% versus the BestCashCow average of 9.77%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
HomeTrust Bank U.S. Bank Average
11.28% 12.31%

HomeTrust Bank has a Capitalization of 11.28% versus the BestCashCow average of 12.31. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

HomeTrust Bank Balance Sheet Analysis

As of June 30, 2018, HomeTrust Bank had assets of $3,298,513,000, loans of $2,506,889,000, and deposits of $2,229,639,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2018
ASSETS
Cash & Balances due from depository institutions $0.14 billion
Interest-bearing balances $0.09 billion
Total securities $0.38 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $2.51 billion
Loan loss allowance $0.02 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.03 billion
All other assets $0.18 billion
     Total Assets $2.93 billion
LIABILITIES
Total deposits $2.23 billion
      Interest-bearing deposits $1.86 billion
      Deposits held in domestic offices $2.23 billion
      % insured (estimated) 87.53%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.64 billion
Subordinated debt $0.00 billion
All other liabilities $0.05 billion
      Total Liabilities $2.93 billion
      Shareholders’ Equity $0.37 billion

Summary Income Statement

June 30, 2018
INCOME AND EXPENSES
Total Interest Income $0.06 billion
Total Interest Expense $0.01 billion
Net interest income $0.05 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.01 billion
Total non interest expense $0.04 billion
Pre-tax Net Operating Income $0.02 billion

Frequently Asked Questions About Hometrust Bank

Branches and Savings

Is Hometrust Bank FDIC insured?

Yes. It is covered under FDIC Certificate #27677.

Why does Hometrust Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Hometrust Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Hometrust Bank a commercial bank?

Yes

Where are Hometrust Bank locations?

See branch locations nearby.

Is Hometrust Bank open on Saturdays?

Is Hometrust Bank open on Sundays?

What time does Hometrust Bank open?

What time does Hometrust Bank close?

Are Hometrust Bank ATMs Open 24/7?

Do Hometrust Bank ATMs accept cash deposits?

Can Hometrust Bank customers use other ATMs?

Do Hometrust Bank branches have notaries?

Will Hometrust Bank notarize my document?

What address for Hometrust Bank should I put for incoming ACH transfers?

Will the Hometrust Bank branch print checks?

Do Hometrust Bank checks expire?

Does Hometrust Bank require US citizenship to open account?

Can Hometrust Bank close my account?

Does Hometrust Bank Report to credit bureaus?

Does Hometrust Bank Use Equifax?

What is Hometrust Bank's ACH Routing Number?

What is Hometrust Bank's SWIFT code?

Products

Does Hometrust Bank offer mortgages?

Compare mortgage rates here.

Does Hometrust Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Hometrust Bank offer personal loans?

Compare personal loan rates here.

Does Hometrust Bank offer student loans?

Will Hometrust Bank cash a check?

Will Hometrust Bank redeem a savings bond?

Does Hometrust Bank cash savings bonds?

Will Hometrust Bank cash money orders?

Can Hometrust Bank issue a money order?

Does Hometrust Bank do currency exchange?

Background on The Bank

Who owns Hometrust Bank?

How long has Hometrust Bank been around?

Can Hometrust Bank transfer to other banks?

Does Hometrust Bank have quick pay?

Does Hometrust Bank accept rolled coins?

Will Hometrust Bank accept loose change?

Where is Hometrust Bank headquarters?

Customer Reviews for HomeTrust Bank

There are currently no comments for HomeTrust Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →

*All images, logos and public notes on this page appear courtesy of Hometrust Bank and are not subject to approval of BestCashCow. BestCashCow expressly disclaims all responsibility for this content.