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Overview / Commentary
10 Woodfin Street
Asheville, NC 28801

HomeTrust Bank is headquartered in Asheville and is the 6th largest bank in the state of North Carolina. It is also the 294th largest bank in the nation. It was established in 1926 and as of September of 2017, it had grown to 489 employees at 41 locations. HomeTrust Bank has an A+ health rating.

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Hometrust Bank Everywhere Connect Checking Pays $5 Per Month - 4/10/2017

Instead of a high interest rate, HomeTrust Bank rewards checking customers with a $5 cash payment each month Everywhere Connect checking account offers: * $5 cash reward for 10 or more signature debit card transactions per monthly statement cycle deposited directly into account * Three free non-HomeTrust Bank ATM transactions per month, then $2 each * Three non-HomeTrust Bank ATM transaction surcharge refunds per month BUT * $10 monthly service charge is waived with five debit card transactions or one recurring Direct Deposit https://www.hometrustbanking.com/personal-banking/accounts/checking/everywhere-connect/

Reviews (1)

Love HomeTrust

I came to HomeTrust after becoming frustrated with not only national banks but also other local banks, all of whom kept raising the cost of doing business with them and lowering the value of the experience. HomeTrust has given me an excellent customer service experience, no fees on my basic checking account, convenient locations and hours, and continued improvements to their online and mobile banking experiences. They are the only physical bank I know of that still offers a personalized experience and a no-fees checking account. The only problem I have had with them in over a year is that their mobile app seems to have problems pretty often, and I find myself unable to log in. Their webpage also frequently requires additional verification, which I know is for security but can be inconvenient. However, unlike other banks I've used, HomeTrust seems committed to improving customer service and continually adds features and fixes to their website and app. They're not perfect yet, but they're always improving!


Health Grade Components

FDIC Certificate #27677
Year Established1926
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.46%
Return on Equity - YTD3.99%
Annual Interest Income$82.2MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$3.24B$2.74B
LoansQ3 2017vs Q3 2016$2.38B$1.86B
DepositsQ3 2017vs Q3 2016$2.13B$1.81B
Equity CapitalQ3 2017vs Q3 2016$370.2MM$330.4MM
Loan Loss AllowanceQ3 2017vs Q3 2016$21.9MM$20.8MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$16.8MM$20.4MM
Real Estate OwnedQ3 2017vs Q3 2016$4.9MM$4.7MM

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