The Home Trust & Savings Bank

BankOsage, Iowa
www.hometrustbank.com

Total Assets

$290.7M

Total Deposits

$255.0M

Branches

1

Established

1899

TFS Health Grade

$
C+

77.4 / 100

Average financial health

How we grade

The Home Trust & Savings Bank is a bank headquartered in Osage, Iowa, established in 1899. With $290.7M in total assets and 1 branch locations, it has a TFS Financial Health Grade of C+ (77.4/100).

Capital & Safety

Tier 1 Capital Ratio
10.68%(8%)
Total Capital Ratio
15.96%(10%)
Non-Performing Loan Ratio
0.33%

Profitability

Return on Assets (ROA)
1.06%(1%)
Return on Equity (ROE)
12.24%(10%)
Net Interest Margin
2.35%
Efficiency Ratio
50.69%(60%)

Lending & Liquidity

Total Loans
$209.5M
Loan-to-Deposit Ratio
81.20%
Net Charge-Off Ratio
-0.01%

Growth

Asset Growth (YoY)
-0.04%
Deposit Growth (YoY)
+3.47%
Net Income
$3.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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