# HOMETRUST BANK
ASHEVILLE, NC · FDIC certificate 27677 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $4.44B | |
| Deposits | $3.61B | |
| Loans and leases | $3.74B | |
| Total equity | $587.2M | |
| Loans / deposits | 102.51% (p90 of band) | 87.10% |
| Liquid assets / assets | 9.67% (p5 of band) | |
| Uninsured deposits / deposits | 26.47% (p35 of band) | 30.76% |
| Brokered deposits | 3.08% | |
| Wholesale funding | 7.11% (p54 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.91% (p84 of band) | 10.50% |
| Unrealized securities loss / equity | -0.10% (p96 of band) | -7.75% |
| AOCI / equity | -0.17% (p59 of band) | |
| ROA (annualized) | 1.52% (p70 of band) | 1.26% |
| Net interest margin | 4.36% (p83 of band) | 3.70% |
| Efficiency ratio | 59.43% (p52 of band) | |
| Noncurrent loans | 1.40% (p82 of band) | 0.51% |
| Net charge-offs (annualized) | 0.16% (p83 of band) | |
| Reserve coverage of noncurrent | 76.20% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 63.77% (p66 of band) | |
| Auto loans | $28.7M (0.77% of loans; DQ 5.30%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -1.7% | |
| Employees | 585 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, reserve under noncurrent |  |
| 2011-06 | 5 | losing money, expense ratio p90, charge-offs p90 |  |
| 2011-09 | 4 | capital falling | loans exceed deposits, expense ratio p90 |
| 2011-12 | 4 | loans exceed deposits | capital falling |
| 2012-03 | 4 | assets shrinking, uninsured deposits leaving | losing money, loans exceed deposits |
| 2012-06 | 2 |  | charge-offs p90, assets shrinking |
| 2012-09 | 2 | deposits shrinking | uninsured deposits leaving |
| 2012-12 | 1 |  | deposits shrinking |
| 2013-03 | 1 |  |  |
| 2013-06 | 3 | deposits shrinking, assets shrinking |  |
| 2013-09 | 2 | noncurrent p90 | deposits shrinking, assets shrinking |
| 2013-12 | 2 |  |  |
| 2014-03 | 3 | expense ratio p90 |  |
| 2014-06 | 3 | capital falling | noncurrent p90 |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 | charge-offs p90 | capital falling |
| 2015-06 | 3 | wholesale funding >15% | charge-offs p90 |
| 2015-09 | 3 |  |  |
| 2015-12 | 4 | deposits shrinking |  |
| 2016-03 | 3 |  | expense ratio p90 |
| 2016-06 | 1 |  | reserve under noncurrent, deposits shrinking |
| 2016-09 | 2 | loans exceed deposits |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 4 | capital falling, expense ratio p90 |  |
| 2017-06 | 3 |  | capital falling |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | expense ratio p90 |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | charge-offs p90 |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 |  | charge-offs p90 |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | expense ratio p90 |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | wholesale funding >15% |
| 2021-03 | 1 |  | loans exceed deposits |
| 2021-06 | 3 | capital falling, assets shrinking |  |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 1 |  | assets shrinking |
| 2022-03 | 0 |  | expense ratio p90 |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | construction >100% equity |  |
| 2022-12 | 2 | liquid assets <10% |  |
| 2023-03 | 1 | loans exceed deposits | construction >100% equity, liquid assets <10% |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | wholesale funding >15% |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | wholesale funding >15% |
| 2024-06 | 3 | wholesale funding >15%, liquid assets <10% |  |
| 2024-09 | 2 |  | wholesale funding >15% |
| 2024-12 | 1 |  | liquid assets <10% |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | reserve under noncurrent |  |
| 2026-03 | 1 |  | loans exceed deposits |
| 2026-06 | 3 | loans exceed deposits, liquid assets <10% |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-17 [NC lender to acquire Blue Ridge Bank for $448M - Banking Dive](https://news.google.com/rss/articles/CBMikgFBVV95cUxQdkxRbXY3X1hrbkVlbkRrRXpwcnI3Z19zTEt1V1VzS3Z3NTc2ZFNpcFZVYTA4bUpSRENlWHQ3TnVfaC1ISWlfS1JaNU1kempuLUFYVEt0REJydWVNRUxkWThYS0tnUUdSdV9FdFVnVEFCSW9BRHlTYjVOQmdlVDZ5b2t0MlptMVpuYXNScmpTckhGZw?oc=5) · Banking Dive
- 2026-08-17 [HomeTrust Bancshares, Inc. Expands into Attractive Virginia Markets Through Acquisition of Blue Ridge Bankshares, Inc. - PR Newswire](https://news.google.com/rss/articles/CBMi_wFBVV95cUxNWHZ0M1VxczhxZFpvSWRROFRROE9Ndy1NOFRSbU9NSkJobWFITUZiQWhqbUZQMzhXaVZEWU1WX1dNbzJKTUZUZ0xkTDlKekR3SHBsN3VROHZSdXdscW84VzJQM0JEVWRmem1SQW9Sa2NYaVNtaDNFMVplWjJPTUhZVjAtOWFCUDlQZ05xdXkxazVMLS12U3RxaVJqMmkxT3RxSkhGblBMTVB0cXBZVFE4cXR0eDE0SkFsVXZyZnJUdHVJdC1BQ3RJdUl6MzJQcFZtdndOSDk1OERVWlVvdWhQeWtvM1hCNElMbmVjQnRhZDBmZzJtRjloQTg2azlidTg?oc=5) · PR Newswire
- 2026-08-18 [Blue Ridge Bank to be acquired by N.C.-based HomeTrust Bank in $448M deal - Richmond BizSense](https://news.google.com/rss/articles/CBMisgFBVV95cUxPZXNwNExBaEN0dmZ6ODBxTXVwSHpyVnNYWmF4dlhfb3hKSEVZbk5kN1VTYXZfSzM3ODhWcFJoZVY4NUtlLWdobUhGeFZhZVlUOG1IeUZwQjIyc0hBM1F5QThWa3JxMDBMREl0TTg0V2JUSUw0V2ZnLUlPaS1VVFk3cXhiV3dsRHBXWS1PS05teUJDMS1WSWt4eXBzNmZKWXdYR0xBakxXamlVaTBxWmRWUEh3?oc=5) · Richmond BizSense
- 2026-08-17 [HomeTrust Bank announces merger with Blue Ridge Bank - WJHL](https://news.google.com/rss/articles/CBMijgFBVV95cUxQSFJic09yT242V0dJNWRfM1hvdXZaOEd2S0FoUzJEOVFmOVROWFVqNUZLQnp5OTRSRG5HN3Jnb09SelhOejNBcDUzYWFSQS0xVXpVUEdtYWNqQzBHLTdVbnpiMkZkTDdCNWxHOWlkQlFZeFhLMXFRSm16VkhScVdURk9pTlgwWmJYZ3RMSUp30gGTAUFVX3lxTE1nRmJGQWQyV21zLXBUSHdyTC1SLTBLWndSM0xrM0JsWUZHTm9ZRlV4VjRSeHdJUTVNQlVELTFLbVlWdGFsOXctX0FRTy1EeUVzdTVKTWlBQjgzUFREbEVFTnkwWTN2NWlkcW1ySWNfY1ktVUY1b3FPZkZyb0tfbk85MlZfVndQdGd2NmRLS1VHTzhJTQ?oc=5) · WJHL
- 2026-07-07 [HomeTrust Bank Adds Specialized Healthcare Banking Division - GlobeNewswire](https://news.google.com/rss/articles/CBMiywFBVV95cUxQUnNSNHF3Z01NQmM4WldPMUl5cHdvWWM2ejh4UGNmRkFOcW5RTm0zbFk2RVRWeGpLdWdnUGVZQlc1RjFVeWYtVFNFQUZDNC1UYUlUdmNIVzRRXzl5T2Z3TFdzcVpOT2h5cWNGVHp3QTlDaWp5VkN4OVJseTNWWUFpajZiMzVkTWh3WXZrVTNMQmo5VmZ6dzNsbFh2RXVjSUtSRF9wTjJBcWdFMGl5MDRRLUV4RzlKLXQ4THFacnh1M1piRUZpSHVuZjJSNA?oc=5) · GlobeNewswire
- 2026-08-17 [HomeTrust Bank, with regional HQ in Charlotte, buys Virginia's Blue Ridge Bank - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxOell1azNyLWRhOE9uQXpack5oSkVPYnctOVliRG1yRHdvZWhnaXVCN0lXc3EwcG12aXpiZlFabWxUYUFsdFRpQ1ZKcGxUMkpzQXZWWV8yT1FBbG94VUNXNGZTZUFLN2x6Y2cxUDkwUUg1eUhJTWhZRkhvS0U5Nnp6WDBaMWFuNHVyRU5Ob1d5UHg2UlVIdkgyUGJjV0xFOXFYSnl3ZlBaZEpuQ2tG?oc=5) · The Business Journals
- 2026-06-11 [Bomb threat reported at Weaverville HomeTrust Bank; search finds nothing: police - WLOS](https://news.google.com/rss/articles/CBMi1AFBVV95cUxOUkZ6NHFUYnVUNnRkcDNUMWV4bTUxYTZUMTZBcVJ3WGVmQ1VnNlVPMFU5MmhRVjBiZHV1REp1RGZheXJpdmNzRlZBdE83ZVNyS1o1QjZMQWxLR1c3S3pSYmh1RVRyTi1fUWRPZWpiRllzbFA5YjA1dndZSXhRZUx0NTd5U3BKUjRBSlFNaXhiTWQ0ZzFTeTI2Qi1Yai1HMkJpVkh6ZERLN2RsTlMyYjRIWGNReVFzRVJKQWxaTnpDdzZ3VlZURHRXcXNBU19UUmVPOWk1WA?oc=5) · WLOS
- 2026-06-11 [Weaverville police investigate bomb threat reported at HomeTrust Bank - 828newsnow.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPTDJ6UE9vQTlSVF9leThnUzNMaUhnZUZIa3NudUJGblZNZW5UcjhrYjV3NmFxOEFFV2VQRVF3MFk4ZlF4aGRyb1ZMOVhwOXJLbC0yeUowOVlIanVhay0wT2tqMVZRdXZHUWxhTUhSR3VPUEZaNUs4eDJGYWpEQUF1d01HRTZvSzhvTVhGT0xUMHVwdW8wSTVkQVFGeWIzaXdLeXdzNTV6YUg?oc=5) · 828newsnow.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27677 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/29.json (key "27677", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide