Hometrust Bank (FDIC #27677): Bank Stress & Real-Estate Credit Exposure
Hometrust Bank (FDIC Cert #27677): bank stress 49/100, moderate, STABLE over 7 days; parent HOMETRUST BANCSHARES INC.
Hometrust Bank (#27677) lends in 19 counties across 5 states; Hometrust Bank (#27677) reaches 329 ZIP codes: North Carolina 10 counties, 177 ZIPs; Tennessee 3 counties, 27 ZIPs; Virginia 3 counties, 27 ZIPs; Georgia 2 counties, 71 ZIPs; South Carolina 1 county, 27 ZIPs.
Hometrust Bank (#27677) largest markets: Fulton County, GA (48 branches, 48 ZIPs) (#27677), Wake County, NC (82 branches, 41 ZIPs) (#27677), Mecklenburg County, NC (74 branches, 37 ZIPs) (#27677), Greenville County, SC (54 branches, 27 ZIPs) (#27677), Gwinnett County, GA (26 branches, 26 ZIPs) (#27677), Buncombe County, NC (80 branches, 20 ZIPs) (#27677).
Hometrust Bank (#27677) reports $4.44 billion in total assets; Hometrust Bank (#27677) equity $587.2 million (13.2% of Hometrust Bank (#27677) assets); Hometrust Bank (#27677) domestic deposits $3.61 billion; Hometrust Bank (#27677) net income $33.8 million; Hometrust Bank (#27677) return on assets 1.52%; Hometrust Bank (#27677) return on equity 11.44%; Hometrust Bank (#27677) net interest income $90.0 million; Hometrust Bank (#27677) call report June 30, 2026.
Hometrust Bank (#27677) noncurrent real-estate loans 0.03% of its book; Hometrust Bank (#27677) residential 0.09%; Hometrust Bank (#27677) net charge-offs on real estate 0.99%; Hometrust Bank (#27677) residential charge-offs 0.80%.
Hometrust Bank (#27677) net interest margin 4.36% against an eight-quarter Hometrust Bank (#27677) average of 4.14% (Hometrust Bank (#27677) compression -0.21 points); Hometrust Bank (#27677) real-estate loans 3.2% of equity; Hometrust Bank (#27677) non-residential real estate 79.7% of equity; Hometrust Bank (#27677) rate-exposure score 40/100, Hometrust Bank (#27677) fixed-rate trap 40/100; Hometrust Bank (#27677) risk type credit driven; Hometrust Bank (#27677) rate regime rates elevated, Hometrust Bank (#27677) snapshot October 19, 2026.
Hometrust Bank (#27677) stress score moved from 46.3 on June 22, 2026 to 48.8 on October 20, 2026; Hometrust Bank (#27677) ranged 46.3 to 48.8 over 117 snapshots.
Hometrust Bank (#27677) alerts: 19 counties; top Hometrust Bank (#27677) alert scores: Alpharetta County, NC 19 (low); Cherryville County, NC 19 (low); Cornelius County, NC 19 (low); Daleville County, NC 19 (low); Greenville County, NC 19 (low).