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Hometrust Bank
Asheville, NC · FDIC Certificate #27677 · Chartered 01/0
Total assets
$4.44B
Total deposits
$3.61B
Total equity
$587.15M
Net loans
$3.70B
Branches (offices)
33
Net income (YTD)
$33.80M
Rank: #313 of 4,213 U.S. banks by assets · #8 of 38 in North Carolina. Assets changed -3.1% and deposits -1.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.52% |
| Return on equity | 11.44% |
| Net interest margin (YTD) | 4.36% |
| Equity to assets | 13.23% |
| Tier 1 leverage ratio | 12.91% |
| Uninsured deposits (share of deposits) | 26.5% |
| Noncurrent loans (share of loans) | 1.40% |
| Net charge-offs (share of loans) | 0.20% |
| Loans to deposits | 102.5% |
| Real estate loans (share of loans) | 77.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.86B | 77.3% | |
| Commercial & industrial | $598.39M | 16.2% | |
| Consumer / individual | $30.47M | 0.8% | |
| Construction & development | $374.44M | 10.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.55B | $3.11B | $14.39M | $374.65M |
| Jun 2023 | $4.61B | $3.60B | $22.68M | $493.29M |
| Jun 2024 | $4.67B | $3.71B | $28.75M | $538.22M |
| Jun 2025 | $4.58B | $3.67B | $32.35M | $575.35M |
| Jun 2026 | $4.44B | $3.61B | $33.80M | $587.15M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Carolina | $2.30B | 18 |
| Tennessee | $542.37M | 5 |
| Virginia | $339.81M | 6 |
| Georgia | $286.80M | 2 |
| South Carolina | $142.40M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $3.61B.
Similar-sized banks
Capital City Bank ($4.45B) · American Business Bank ($4.42B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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