Compared with North Carolina
10 of 22
compared fees are above the median.
7 below, 5 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
49th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the North Carolina median
of 22 compared; 7 below, 5 about the same
See the feesFee schedule read Oct 15, 2026
Call-report figures are for HomeTrust Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the North Carolina median | Published fees above the North Carolina median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | HomeTrust Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 15, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.1% of revenue, about the same as the 2.2% median of 869 banks with $1B to $10B in assets (49th percentile). About the same: within 1% of the median.
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $1.2M in Q2 2026, 12% above the same quarter a year earlier ($1.1M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
10 of 22 compared published fees sit above the North Carolina median; 7 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with North Carolina medians for fees published by banks and credit unions.
Overdraft (OD)
Monthly Maintenance
Compared at $6, the middle of its prices
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for North Carolina, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 8.8% from Q3 2025 to Q2 2026, to $1.2M. Its share of revenue, 2.1%, is about the same as the 2.2% median for banks with $1B to $10B in assets.
$1.2M
HomeTrust BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $2 to $10; we compare the midpoint.
HomeTrust Bank · $4.4B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| HomeTrust Bank(this institution) | Asheville, NC | $4.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Arrow Bank National Association | Glens Falls, NY | $4.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bar Harbor Bank & Trust | Bar Harbor, ME | $4.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Capital City Bank | Tallahassee, FL | $4.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Carter Bank & Trust | Martinsville, VA | $4.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Civista Bank | Sandusky, OH | $4.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| First Bank | Hamilton, NJ | $4.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Federal Bank | Lake City, FL | $4.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First State Community Bank | Farmington, MO | $4.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Gate City Bank | Fargo, ND | $4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hills Bank and Trust Company | Hills, IA | $4.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hingham Institution for Savings | Hingham, MA | $4.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| International Bank of Commerce | Brownsville, TX | $4.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| NATIONAL COOPERATIVE BANK, N.A. | Hillsboro, OH | $4.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| PeoplesBank | Holyoke, MA | $4.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Primis Bank | Tappahannock, VA | $4.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Southern First Bank | Greenville, SC | $4.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Spencer Savings Bank, SLA | Elmwood Park, NJ | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| State Bank of India | Chicago, IL | $4.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Sunwest Bank | Sandy, UT | $4.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texas Bank and Trust Company | Longview, TX | $4.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Texas Exchange Bank | Crowley, TX | $4.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Fidelity Bank | Fuquay Varina, NC | $4.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| VeraBank, National Association | Henderson, TX | $4.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Wheaton Bank & Trust, National Association | Wheaton, IL | $4.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Woori America Bank | New York, NY | $4.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $6, the middle of its two prices, against a peer median of $8.23 among 16 publishing peers.
Its two checking prices are $2 and $10.
$6 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for HomeTrust Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $1.2M | +$74K | +6.7% |
| Q1 2026 | $1.1M | −$9K | −0.8% |
| Q4 2025 | $1.1M | +$30K | +2.8% |
| Q3 2025 | $1.1M | +$27K | +2.6% |
| Q2 2025 | $1.1M | +$164K | +18.4% |
| Q1 2025 | $891K | −$45K | −4.8% |
| Q4 2024 | $936K | −$14K | −1.5% |
| Q3 2024 | $950K | +$52K | +5.8% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, HomeTrust Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to HomeTrust Bank by share.
Amounts from HomeTrust Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
one time · Applies to checking and money market accounts if closed within first six months
per month · After three months with no activity; applies only to checking or money market accounts with balances under $100
per month
per item · Per hour
per hour
per month · Premier Checking, Loyalty Checking, Primetime Checking customers, no charge
per month
per month
per item · No charge if account is less than $10.00 overdrawn or for overdrafts caused by transactions less than $5.00; maximum of 5 overdraft fees per day
per item
per item
per item
per item
per item
per item
per item
per item
per item · Per check
per item
per item · Per page
per item
per item
per item
per item · Each additional manually processed; online or VRU initiated transfers are no charge
per item
per month
per month
per year
per year
per month
per month
per item
per item
one time
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly fee (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly fee (audience not stated, treated as personal) | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account closing fee (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | one time | Applies to checking and money market accounts if closed within first six months |
| Inactive accounts (audience not stated, treated as personal) | $4Below the U.S. middle 50% ($5 to $10 nationally) | per month | After three months with no activity; applies only to checking or money market accounts with balances under $100 |
| Inactive accounts (monthly after three months with no activity) | $4Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account reconciliation/research (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($6 to $25 nationally) | per item | Per hour |
| Account reconciliation/research, per hour (audience not stated, treated as personal) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Mailed paper statement fee (audience not stated, treated as personal) | $1.50Below the U.S. middle 50% ($2 to $4.99 nationally) | per month | Premier Checking, Loyalty Checking, Primetime Checking customers, no charge |
| Mailed paper statement fee, per month (audience not stated, treated as personal) | $3.50Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Mailed paper statement fee, per month (audience not stated, treated as personal) | $1.50Below the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft charge (audience not stated, treated as personal) | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | No charge if account is less than $10.00 overdrawn or for overdrafts caused by transactions less than $5.00; maximum of 5 overdraft fees per day |
| PERSONAL SAVINGS & INVESTMENT ACCOUNTS: Overdraft charge | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
ATM & Card | |||
| Replacement ATM/Debit Card (audience not stated, treated as personal) | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire transfer - outgoing domestic U.S. dollar | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire transfers – outgoing Domestic – U S dollar | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire transfer - incoming domestic U.S. dollar | $25Above the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Wire transfers – incoming Domestic – U S dollar | $25Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire transfer - outgoing foreign exchange country currency | $25Below the U.S. middle 50% ($40 to $50 nationally) | per item | None |
| Wire transfer - outgoing international U.S. dollar | $50Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
| Wire transfer - incoming international | $30Above the U.S. middle 50% ($10 to $25 nationally) | per item | None |
| Wire transfers – incoming: International (audience not stated, treated as personal) | $30Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Official check (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Per stop payment (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop payment order (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | Per check |
| Collection items (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Box Size Annual Fee: Box Size Annual Fee: Copies of imaged checks (audience not stated, treated as personal) | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Copies of imaged checks (audience not stated, treated as personal) | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | Per page |
| Copies of imaged checks, per page (audience not stated, treated as personal) | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Per check image > 10 (audience not stated, treated as personal) | $0.50Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement or check copy (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| VA: NC, SC, TN: Statement or check copy (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Non-automated telephone transfer - manually processed | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per item | Each additional manually processed; online or VRU initiated transfers are no charge |
| ACH returned item (audience not stated, treated as personal) | $5Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Bill Payment (audience not stated, treated as personal) | $0.11Not compared: Per-item charge, not monthly | per item | None |
| Personal Online Banking and Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
| Personal Mobile Banking and Mobile Deposit | No chargeNot compared: Monthly charge, not per item | per month | None |
Cash & Deposit | |||
| Deposited items returned Checks written by accountholder | $35Above the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
Account Services | |||
| Lost key fee | $75Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box - 2" x 5" (audience not stated, treated as personal) | $47Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box - 8" x 8" (audience not stated, treated as personal) | $160Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 10" x 10" | $120Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 10” x 10” | $189Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 10” x 15” | $300Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 2” x 5” | $47Not compared: Monthly charge, not annual | per month | None |
| Safe Deposit Box 3" x 10" | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3” x 10” | $98Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3" x 5" | $45Not compared: Monthly charge, not annual | per month | None |
| Safe Deposit Box 3” x 5” | $63Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 4” x 5” | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5" x 10" | $80Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5” x 10” | $131Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5" x 5" | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5” x 5” | $84Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 6” x 10” (audience not stated, treated as personal) | $131Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 7" x 10" | $90Above the U.S. middle 50% ($32.50 to $60 nationally) | per item | None |
| Safe Deposit Box 8” x 10” (audience not stated, treated as personal) | $160Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 8” x 10” | $160Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 8” x 8” | $160Above the U.S. middle 50% ($32.50 to $60 nationally) | per item | None |
| Safe Deposit Box drill fee (audience not stated, treated as personal) | $200Not compared: One-time charge, not annual | one time | None |
| Safe Deposit Box late payment fee | $10Not compared: Box drilling or key fee | Not stated | None |
| Processing tax levies, garnishment, etc, per occurrence (audience not stated, treated as personal) | $75Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Processing tax levies, garnishment, etc. (audience not stated, treated as personal) | $75Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Account verification (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Retirement & IRA | |||
| IRA trustee-to-trustee transfer (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 15, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where HomeTrust Bank operates, and what regulators and customers have on file.
Branch footprint
33 offices in 5 states, $3.6B in branch deposits (June 2026)
Hover a state for its branch count.
Largest markets by deposits
| 5 | $1.1B | |
| Outside a metro area | 5 | $563.6M |
| 6 | $339.8M | |
| 2 | $311.6M | |
| 2 | $286.8M | |
| 2 | $241.6M | |
| 2 | $189.4M | |
| 2 | $182.2M |
Asheville, NC
10.8% of bank deposits, #4 of 24, up 2.2 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| First-Citizens Bank & Trust Company | 23.4% |
| Wells Fargo Bank, National Association | 16% |
| Truist Bank | 11.5% |
| First Bank | 10.3% |
| Bank of America, National Association | 9.7% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Asheville, NC, HomeTrust Bank holds 10.8% of bank deposits, #4 of 24, with 5 offices.
The fee comparison uses its home metro, Roanoke, VA.
120 offices of 35 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 24 institutions shown. $10.3B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 10.8% share, 5 offices, #4 of 24
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
36 offices of 11 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Holding company
HomeTrust Bancshares, Inc. (NYSE: HTB)
Consolidated assets
$4.4B
Shareholders' equity
$600.6M
As of
2026Q2
Net income by quarter
Source: SEC EDGAR filings and XBRL financial data, CIK 1538263. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.