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HomeTrust Bank
Asheville, NC·FDIC Cert #27677·Charter: STATE·Est. 19260101.0·HC: HOMETRUST BANCSHARES INC
Total Assets
$4.5B
Q4 2025
Return on Assets
1.43%
+0.00%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
57.41%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
54
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.43%+0.00
ROE
11.40%-0.10
Efficiency
57.41%+0.16
Equity/Assets
0.00%+0.00
NPL Ratio
1.18%+0.33
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
100.65%-1.68
Charge-offs
0.24%+0.03
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.3 | 1.2 | 1.2 | 1.2 | 1.3 | 1.4 | 1.4 | 1.4 |
| ROE | 11.9 | 10.8 | 10.6 | 10.6 | 10.6 | 11.5 | 11.5 | 11.4 |
| Efficiency | 57.2 | 57.6 | 58.0 | 59.6 | 59.2 | 57.6 | 57.2 | 57.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.5 | 0.7 | 0.8 | 0.7 | 0.7 | 0.8 | 0.9 | 1.2 |
| Charge-offs | 0.2 | 0.3 | 0.3 | 0.3 | 0.1 | 0.2 | 0.2 | 0.2 |
| Loan/Deposit | 100.6 | 104.6 | 102.1 | 100.8 | 100.4 | 103.4 | 102.3 | 100.6 |
Balance Sheet
Total Assets$4.5B
Total Deposits$3.7B
Total Loans$3.7B
Total Equity$595.6M
Profitability
ROA1.43%
ROE11.40%
Efficiency Ratio57.41%
Net Income$65.5M
Risk & Asset Quality
NPL Ratio1.18%
Charge-off Rate0.24%
Loan/Deposit100.65%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans