BlastPoint's Banking Scorecard

HomeTrust Bank

$1B-$10B Specialty: Commercial NC FDIC cert 27677

Asheville, NC

33 branches across NC · VA · TN · GA · SC

884 banks in the $1B-$10B peer group nationally 9 in NC

HomeTrust Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.16% above tier average
+ Net Interest Margin 0.48% above tier average
+ Efficiency Ratio 1.53% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 9.3% in tier
- Delinquency Rate 0.41% above tier average

Get updates when HomeTrust Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Total Assets ?	$4.4B -3.8% YoY -3.5% QoQ	+$1.6B	$2.8B -0.1% YoY	$92.4B +2.4% YoY	$6.2B +9.1% YoY	82%
Total Loans ?	$3.6B -3.8% YoY -3.4% QoQ	+$1.6B	$2.0B +0.6% YoY	$45.0B +8.2% YoY	$3.2B +10.8% YoY	Top 13.9% in tier
Total Deposits ?	$3.6B -2.5% YoY -1.9% QoQ	+$1.3B	$2.3B -0.3% YoY	$72.8B +2.6% YoY	$4.8B +8.2% YoY	83%
Return on Assets ?	1.53% +17.9% YoY +6.6% QoQ	+0.16%	1.37% +19.6% YoY	0.99% +29.5% YoY	1.23% +13.4% YoY	73%
Net Interest Margin ?	4.30% +5.6% YoY +2.7% QoQ	+0.48%	3.82% +6.9% YoY	3.42% +5.0% YoY	3.89% +5.7% YoY	83%
Efficiency Ratio ?	59.53% +0.5% YoY +3.7% QoQ	-1.53%	61.06% -4.6% YoY	69.88% -8.6% YoY	66.95% -4.1% YoY	51%
Delinquency Rate ?	1.30% +78.1% YoY +9.8% QoQ	+0.41%	0.89% +14.1% YoY	0.64% +21.6% YoY	0.95% +18.8% YoY	20%
Loan-to-Deposit Ratio ?	99.13% -1.3% YoY -1.5% QoQ	+14.92%	84.20% +0.3% YoY	79.67% +1.0% YoY	76.70% +0.9% YoY	15%
Non-Interest-Bearing Deposit Share ?	20.45% +2.4% YoY +5.4% QoQ	-0.84%	21.29% -2.5% YoY	18.50% +0.3% YoY	22.01% -1.2% YoY	54%
Nonperforming Asset Ratio ?	1.07% +78.0% YoY +9.9% QoQ	+0.40%	0.67% +15.6% YoY	0.45% +20.5% YoY	0.67% +19.3% YoY	19%
Tier 1 Capital Ratio ?	14.09% +8.5% YoY +2.7% QoQ	-1.07%	15.16% +2.0% YoY	20.13% +3.0% YoY	17.06% +0.8% YoY	64%
Non-Interest Income / Assets ?	0.23% +31.4% YoY -71.2% QoQ	-0.03%	0.26% +1.6% YoY	0.21% +7.3% YoY	0.32% +4.1% YoY	77%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk

#32 of 334 • Bottom 9.3% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 99.13%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (5 metrics)

124

Total Loans

size

Value: $3.61B

Peer Median: $1.96B

#124 of 884 Top 13.9% in $1B-$10B

154

Total Deposits

size

Value: $3.65B

Peer Median: $2.34B

#154 of 884 Top 17.3% in $1B-$10B

155

Net Interest Margin

profitability

Value: 4.30%

Peer Median: 3.82%

#155 of 884 Top 17.4% in $1B-$10B

157

Total Assets

size

Value: $4.38B

Peer Median: $2.82B

#157 of 884 Top 17.6% in $1B-$10B

203

Non-Interest Income / Assets

revenue_mix

Value: 0.23%

Peer Median: 0.26%

#203 of 884 Top 22.9% in $1B-$10B

Top Weaknesses (3 metrics)

748

Loan-to-Deposit Ratio

liquidity

Value: 99.13%

Peer Median: 84.20%

#748 of 884 Bottom 15.5% in $1B-$10B

721

Nonperforming Asset Ratio

credit_quality

Value: 1.07%

Peer Median: 0.67%

#721 of 884 Bottom 18.6% in $1B-$10B

709

Delinquency Rate

credit_quality

Value: 1.30%

Peer Median: 0.89%

#709 of 880 Bottom 19.5% in $1B-$10B