BlastPoint's Banking Scorecard

HomeTrust Bank

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

Asheville, NC

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

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 9 in NC.
Deposits -1.7% year over year ($3.6B on the books).
Delinquency rate 1.41%.
Return on assets 1.52%.
Efficiency ratio 59.43% vs a 59.73% peer average.
Loan-to-deposit ratio 102.51% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

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

View $1B-$10B leaderboard (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 0.13% above tier average
+ Net Interest Margin 0.48% above tier average
+ Efficiency Ratio 0.30% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 22.2% in tier
- Delinquency Rate 0.54% above tier average

Get updates when HomeTrust Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Total Assets ?	$4.4B -3.1% YoY +1.2% QoQ	+$1.6B	$2.8B -0.6% YoY	$92.1B +0.4% YoY	$6.3B +7.7% YoY	83%
Total Loans ?	$3.7B -2.5% YoY +2.5% QoQ	+$1.7B	$2.0B -0.3% YoY	$45.3B +5.8% YoY	$3.2B +9.4% YoY	Top 13.1% in tier
Total Deposits ?	$3.6B -1.7% YoY -0.9% QoQ	+$1.3B	$2.3B -0.5% YoY	$72.9B +1.1% YoY	$4.9B +7.3% YoY	83%
Return on Assets ?	1.52% +7.3% YoY -0.7% QoQ	+0.13%	1.39% +17.0% YoY	1.06% +26.4% YoY	1.30% +12.1% YoY	70%
Net Interest Margin ?	4.36% +5.4% YoY +1.3% QoQ	+0.48%	3.87% +6.2% YoY	3.48% +5.1% YoY	3.95% +4.9% YoY	83%
Efficiency Ratio ?	59.43% +3.1% YoY -0.2% QoQ	-0.30%	59.73% -12.6% YoY	69.25% -8.2% YoY	70.05% +2.5% YoY	49%
Delinquency Rate ?	1.41% +79.6% YoY +8.5% QoQ	+0.54%	0.87% +11.7% YoY	0.62% +17.0% YoY	0.98% +16.3% YoY	19%
Loan-to-Deposit Ratio ?	102.51% -0.9% YoY +3.4% QoQ	+17.48%	85.04% -0.1% YoY	80.66% +1.6% YoY	79.03% +2.3% YoY	Bottom 9.9% in tier
Non-Interest-Bearing Deposit Share ?	20.81% +5.4% YoY +1.8% QoQ	-0.46%	21.27% -1.5% YoY	18.90% +1.9% YoY	21.98% -0.6% YoY	56%
Nonperforming Asset Ratio ?	1.26% +93.8% YoY +17.9% QoQ	+0.59%	0.67% +11.7% YoY	0.44% +14.6% YoY	0.69% +15.8% YoY	Bottom 14.6% in tier
Tier 1 Capital Ratio ?	13.74% +5.5% YoY -2.4% QoQ	-1.10%	14.84% -0.4% YoY	20.01% +3.4% YoY	17.09% +0.8% YoY	60%
Non-Interest Income / Assets ?	0.44% +10.9% YoY +90.4% QoQ	-0.09%	0.53% +2.5% YoY	0.43% +2.6% YoY	0.66% +5.2% YoY	75%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Noninterest-Bearing	20.8% +1.1pp YoY +0.4pp QoQ	-0.6pp	21.4%	21.8%	22.2%	56%
Brokered Deposits	3.8% -4.1pp YoY -0.5pp QoQ	-5.7pp	9.5%	7.7%	8.5%	40%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
C&I	16.2% -6.2pp YoY -1.1pp QoQ	+2.2pp	14.0%	10.5%	12.5%	70%
CRE	51.9% +2.7pp YoY +1.0pp QoQ	+1.9pp	50.0%	46.3%	41.4%	56%
1-4 Family	25.3% -0.8pp YoY +0.3pp QoQ	-1.1pp	26.4%	44.2%	31.3%	55%
Consumer	0.8% -0.7pp YoY -0.2pp QoQ	-3.9pp	4.7%	1.6%	5.0%	40%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
CET1 Ratio	13.7% +0.7pp YoY -0.3pp QoQ	-1.9pp	15.6%	22.8%	19.7%	54%
Leverage Ratio	12.9% +0.5pp YoY +0.2pp QoQ	+1.6pp	11.3%	14.4%	12.6%	84%
Total Capital Ratio	14.8% +0.6pp YoY -0.4pp QoQ	-1.9pp	16.7%	23.8%	20.8%	53%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Full-Time Employees	585 +30 (+5.4%) YoY +9 (+1.6%) QoQ	+271	313	5,103	482	88%
Assets per Employee ($)	$7.6M -8.0% YoY -0.4% QoQ	-$2.9M	$10.5M	$9.4M	$8.8M	32%
Branch Count	33 0 YoY 0 QoQ	+13	20	170	18	84%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp QoQ	-0.1pp	0.2%	0.1%	0.4%	48%
Nonaccrual	1.4% +0.6pp YoY +0.1pp QoQ	+0.6pp	0.8%	0.7%	1.0%	83%
Allowance Coverage	0.76x -48.5% YoY -11.9% QoQ	-17.95x	18.71x	3.36x	20.23x	15%
Net Charge-off Rate (YTD)	0.2% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.3%	0.1%	0.2%	79%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
ROE	11.4% 0.0pp YoY -0.1pp QoQ	-1.2pp	12.6%	8.7%	11.6%	45%
Cost of Funds (YTD)	1.6% -0.3pp YoY -0.1pp QoQ	-0.3pp	1.9%	1.8%	1.7%	28%
Net Income ($, YTD)	$33.8M +4.5% YoY — QoQ	+$14.6M	$19.2M	$518.0M	$40.4M	85%

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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

#81 of 361 • Bottom 22.2% 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: 102.51%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

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 885 peers in $1B-$10B

Top Strengths (4 metrics)

117

Total Loans

size

Value: $3.70B

Peer Median: $1.96B

#117 of 885 Top 13.1% in $1B-$10B

148

Total Deposits

size

Value: $3.61B

Peer Median: $2.32B

#148 of 885 Top 16.6% in $1B-$10B

153

Total Assets

size

Value: $4.44B

Peer Median: $2.79B

#153 of 885 Top 17.2% in $1B-$10B

154

Net Interest Margin

profitability

Value: 4.36%

Peer Median: 3.87%

#154 of 885 Top 17.3% in $1B-$10B

Top Weaknesses (3 metrics)

798

Loan-to-Deposit Ratio

liquidity

Value: 102.51%

Peer Median: 85.04%

#798 of 885 Bottom 9.9% in $1B-$10B

757

Nonperforming Asset Ratio

credit_quality

Value: 1.26%

Peer Median: 0.67%

#757 of 885 Bottom 14.6% in $1B-$10B

717

Delinquency Rate

credit_quality

Value: 1.41%

Peer Median: 0.87%

#717 of 882 Bottom 18.8% in $1B-$10B