BlastPoint's Banking Scorecard
HomeTrust Bank
Community
Specialty: Commercial
NC
FDIC cert 27677
Asheville, NC
1484
banks in Community tier nationally
14 in NC
View Community leaderboard (NC) →
HomeTrust Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 20% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.5B
-1.1% YoY
-1.0% QoQ
|
+$3.2B |
$1.4B
+2.0% YoY
|
$91.2B
+2.2% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$3.7B
-1.8% YoY
-1.5% QoQ
|
+$2.8B |
$975.5M
+2.4% YoY
|
$44.3B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$3.7B
-1.6% YoY
+0.2% QoQ
|
+$2.6B |
$1.2B
+1.7% YoY
|
$71.7B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
Top 2% in tier |
| Return on Assets ? |
1.43%
+17.2% YoY
+0.2% QoQ
|
+0.27% |
1.16%
+17.2% YoY
|
0.79%
+31.0% YoY
|
1.12%
+15.6% YoY
|
70% |
| Net Interest Margin ? |
4.19%
+5.5% YoY
+0.2% QoQ
|
+0.53% |
3.66%
+9.1% YoY
|
3.33%
+2.7% YoY
|
3.75%
+7.1% YoY
|
77% |
| Efficiency Ratio ? |
57.41%
-3.7% YoY
+0.3% QoQ
|
-5.22% |
62.63%
-5.3% YoY
|
72.56%
-8.8% YoY
|
65.09%
-5.1% YoY
|
65% |
| Delinquency Rate ? |
1.18%
+61.9% YoY
+37.9% QoQ
|
+0.55% |
0.63%
+18.3% YoY
|
0.49%
+30.0% YoY
|
0.66%
+20.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
100.65%
-0.1% YoY
-1.6% QoQ
|
+17.58% |
83.06%
+0.3% YoY
|
83.09%
+1.2% YoY
|
78.04%
+0.7% YoY
|
Bottom 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.40%
+4.6% YoY
-0.1% QoQ
|
-1.65% |
21.05%
-0.9% YoY
|
18.05%
-3.4% YoY
|
21.79%
-1.3% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.97%
+60.8% YoY
+37.3% QoQ
|
+0.48% |
0.50%
+20.3% YoY
|
0.34%
+25.8% YoY
|
0.48%
+20.8% YoY
|
20% |
| Tier 1 Capital Ratio ? |
13.71%
+7.6% YoY
+2.9% QoQ
|
+3.47% |
10.24%
-0.6% YoY
|
11.31%
+19.0% YoY
|
9.75%
-1.9% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.80%
+8.9% YoY
+36.5% QoQ
|
+0.06% |
0.74%
-1.3% YoY
|
0.90%
+0.1% YoY
|
0.65%
+0.6% YoY
|
77% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Strain
risk
#101 of 513 · Bottom 20% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
100.65%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Total Loans
Current: $3.7B · Tier avg: $975.5M
99
99th pctile
Total Assets
Current: $4.5B · Tier avg: $1.4B
98
98th pctile
Total Deposits
Current: $3.7B · Tier avg: $1.2B
77
77th pctile
Non-Interest Income / Assets
Current: 0.80% · Tier avg: 0.74%
77
77th pctile
Net Interest Margin
Current: 4.19% · Tier avg: 3.66%
70
70th pctile
Return on Assets
Current: 1.43% · Tier avg: 1.16%
65
65th pctile
Efficiency Ratio
Current: 57.41% · Tier avg: 62.63%
65
65th pctile
Tier 1 Capital Ratio
Current: 13.71% · Tier avg: 10.24%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 19.40% · Tier avg: 21.05%
21
21th pctile
Delinquency Rate
Current: 1.18% · Tier avg: 0.63%
20
20th pctile
Nonperforming Asset Ratio
Current: 0.97% · Tier avg: 0.50%
12
12th pctile
Loan-to-Deposit Ratio
Current: 100.65% · Tier avg: 83.06%
Top Weaknesses
12
12th pctile
Loan-to-Deposit Ratio
Current: 100.65% · Tier avg: 83.06%
20
20th pctile
Nonperforming Asset Ratio
Current: 0.97% · Tier avg: 0.50%
21
21th pctile
Delinquency Rate
Current: 1.18% · Tier avg: 0.63%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 19.40% · Tier avg: 21.05%
65
65th pctile
Tier 1 Capital Ratio
Current: 13.71% · Tier avg: 10.24%
65
65th pctile
Efficiency Ratio
Current: 57.41% · Tier avg: 62.63%
70
70th pctile
Return on Assets
Current: 1.43% · Tier avg: 1.16%
77
77th pctile
Net Interest Margin
Current: 4.19% · Tier avg: 3.66%
77
77th pctile
Non-Interest Income / Assets
Current: 0.80% · Tier avg: 0.74%
98
98th pctile
Total Deposits
Current: $3.7B · Tier avg: $1.2B
99
99th pctile
Total Assets
Current: $4.5B · Tier avg: $1.4B
99
99th pctile
Total Loans
Current: $3.7B · Tier avg: $975.5M