HomeTrust Bank

Overview / Commentary
10 Woodfin Street
Asheville, NC 28801

HomeTrust Bank is headquartered in Asheville and is the 8th largest bank in the state of North Carolina. It is also the 341st largest bank in the nation. It was established in 1926 and as of December of 2021, it had grown to 511 employees at 38 locations. HomeTrust Bank has an A+ health rating.

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 - YTD0.64%
Return on Equity - YTD5.86%
Annual Interest Income$116.1MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$3.50B$3.68B
LoansQ4 2021vs Q4 2020$2.77B$2.76B
DepositsQ4 2021vs Q4 2020$3.00B$2.75B
Equity CapitalQ4 2021vs Q4 2020$389.7MM$391.5MM
Loan Loss AllowanceQ4 2021vs Q4 2020$30.9MM$39.8MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$6.2MM$14.5MM
Real Estate OwnedQ4 2021vs Q4 2020$45.00K$109.00K

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