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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · North Carolina, the state note

Hometrust Bank

Asheville, North Carolina · $4.44B in assets · beside the 11 other the Southeast banks between $3B and $10B (the state alone holds too few in the band to rank)

The filing

13.2%
Equity / assets
2nd of 12
-2.6%
Loans, year over year
11th of 12, largest first
103.6%
Loans / deposits
10th of 12

Hometrust Bank is the seventh largest of the 12 the Southeast banks nearest its size between $3B and $10B, with $4.44B in assets at 30 June 2026. Loans are 103.6% of deposits, 10th of 12 against a median of 87.6%, and equity is 13.2% of assets, 2nd of 12. Loans grew -2.6% in the year, 11th of 12, and deposits fell 1.7%; the cohort's median loan growth is +6.0%.

Noncurrent loans are 1.40% of the book, 10th of 12 against a median of 0.60%; 0.80% is 30 to 89 days past due, and the allowance covers them 0.8 times. Net charge-offs are 0.20% of loans, 9th of 12. Commercial real estate is 37.2% of loans, 8th of 12 against a median of 31.2%, and 235% of capital, below the 300% screen, with construction at 63% against the 100% screen.

Return on assets is 1.57%, 6th of 12 against a median of 1.55%, on an efficiency ratio of 60.0%, 7th of 12. Five years ago it was 0.04%. The question is which of these lines moves first over the next four quarters, and against which peer.

Equity as a share of assetsSoutheast banks $3B to $10B · 30 June 2026 · higher is stronger, listed first
median 11.2% FC First Community Bank 14.2% HB Hometrust Bank 13.2% VB Vallant Bank 12.3% CC Capital City Bank 11.9% MC Metro City Bank 11.5% CB Carter Bank & Trust 11.3% CB Colony Bank 11.2% PB Primis Bank 11.0% FF First Federal Bank 10.4% FB Fidelity Bank 10.0% FB First Bank & Trust Co. 9.9% SF Southern First Bank 8.7%
Loans, year over yearSoutheast banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +6.0% VB Vallant Bank +84.1% MC Metro City Bank +26.6% CB Colony Bank +23.5% PB Primis Bank +13.6% SF Southern First Bank +7.5% FB First Bank & Trust Co. +6.1% FB Fidelity Bank +5.9% FF First Federal Bank +4.6% FC First Community Bank +4.5% CB Carter Bank & Trust -0.3% HB Hometrust Bank -2.6% CC Capital City Bank -4.4%

SBA 7(a), FY2008 to FY2026

Hometrust Bank is the 9th largest 7(a) lender into Georgia of 409, with $515M across 441 loans, 2.6% of everything approved in the state (Metro City Bank leads with $1.91B). 150 of its 314 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Georgia, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Fulton, GA$68M13th of 2112.1%-3.3 pts
Gwinnett, GA$68M9th of 1692.9%-4.1 pts
Cobb, GA$46M9th of 1822.7%-2.4 pts
Dekalb, GA$45M8th of 1512.8%-3.7 pts
Mecklenburg, NC$31M17th of 1771.5%+0.7 pts
Buncombe, NC$31M2nd of 967.6%-9.8 pts
Wake, NC$24M22nd of 1811.4%+0.7 pts
Carroll, GA$15M2nd of 707.0%+6.4 pts
Henry, GA$14M7th of 1023.5%-1.4 pts
Newton, GA$14M2nd of 5814.0%thin
Clayton, GA$12M5th of 933.1%thin
Cherokee, GA$11M14th of 1172.0%quiet FY2019
Knox, TN$10M13th of 1242.1%+1.7 pts
301 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services275$457M39.6%0.60%43rd of 2,596
Retail trade251$214M18.5%0.35%57th of 2,589
Other services95$70M6.1%0.20%86th of 2,248
Health care & social assistance79$66M5.7%0.14%106th of 2,172
Professional & technical services60$62M5.4%0.19%75th of 1,955
7(a) lenders into Georgia, share of approvals since FY2008409 lenders on record; the ten largest and Hometrust Bank
MC Metro City Bank 9.6% $1.91B · 1,541 loans LO Live Oak Banking Company 4.9% $963M · 746 loans TH The Huntington National Bank 4.2% $835M · 1,424 loans AB Ameris Bank 4.0% $792M · 980 loans SB Southstate Bank, National Associa… 3.3% $661M · 785 loans TB Truist Bank 3.3% $654M · 1,625 loans PB Pinnacle Bank 3.1% $618M · 592 loans RB Renasant Bank 3.0% $597M · 783 loans HB Hometrust Bank 2.6% $515M · 441 loans WF Wells Fargo Bank National Associa… 2.5% $500M · 2,514 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Hometrust BankRankCohort median
Total CRE against capital, the 300% screen235%7th of 12221%
Construction against capital, the 100% screen63%7th of 1257%
Construction and land development, share of loans10.0%7th of 129.8%
Non-owner-occupied nonfarm nonresidential, share of loans23.8%10th of 1220.0%
Total CRE, the guidance definition, share of loans37.2%8th of 1231.2%
CRE growth over 36 months, the third prong-4.3%3rd of 12+9.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Carter Bank & Trust$4.80B3.6%38.6%1.01%-0.83%1.5%89.0%11.3%
Southern First Bank$4.70B0.9%57.4%0.28%0.01%1.1%100.9%8.7%
Fidelity Bank$4.66B1.7%51.5%0.42%0.06%1.3%70.1%10.0%
First Federal Bank$4.49B1.2%66.7%2.96%0.11%0.8%41.7%10.4%
Metro City Bank$4.47B2.0%41.0%0.44%0.01%0.7%112.3%11.5%
Capital City Bank$4.45B1.5%64.8%0.40%0.12%1.2%66.4%11.9%
Hometrust Bank$4.44B1.6%60.0%1.40%0.20%1.1%103.6%13.2%
Primis Bank$4.34B1.0%68.0%1.83%0.37%1.2%107.0%11.0%
First Bank & Trust Co.$4.28B1.8%40.0%0.28%0.22%1.3%95.2%9.9%
Vallant Bank$3.99B1.2%68.7%0.51%0.06%1.3%86.3%12.3%
Colony Bank$3.61B1.1%65.0%0.76%0.28%0.9%82.7%11.2%
First Community Bank$3.61B2.0%54.2%0.70%0.17%1.3%80.9%14.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Hometrust BankCohort median
20212026Change20212026Change
Loans$2.83B$3.74B+32%$2.09B$3.31B+58%
Deposits$2.97B$3.61B+22%$2.69B$3.57B+33%
NPA / loans0.45%1.40%+0.95 pts0.33%0.60%+0.27 pts
Efficiency106.6%60.0%-46.6 pts61.7%58.7%-3.0 pts
ROA0.04%1.57%+1.53 pts1.31%1.55%+0.24 pts

This read was prepared for Hometrust Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Hometrust Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Southeast banks $3B to $10B
Institution www.htb.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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