HomeTrust Bank
HomeTrust Bank is a community-focused financial institution founded in 1926, headquartered in Asheville, NC, with over 30 branches across North Carolina, South Carolina, Georgia, and Tennessee. As part of HomeTrust Bancshares, Inc., the bank manages $4.6 billion in assets and is committed to providing value-added relationship banking services to individuals, businesses, and communities.
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Data source: SBA 7(a) FOIA loan-level data, covering activity through June 30, 2026 across the trailing 3 years (28 loan records for this lender). Refreshed quarterly from public loan-level records; figures are not supplied or reviewed by the lender.
HomeTrust Bank ranks #122 of 564 SBA 7(a) lenders nationally by acquisition-loan volume.
Most of HomeTrust Bank’s 7(a) acquisition lending falls in the $0-$500K range: 13 loans, 46.4% of the portfolio.
| Loan size | Share of loans | Loans | % of portfolio |
|---|---|---|---|
| $0-$500K | 13 | 46.4% | |
| $500K-$1M | 9 | 32.1% | |
| $1M-$2M | 4 | 14.3% | |
| $3M-$4M | 1 | 3.6% | |
| $4M-$5M | 1 | 3.6% |
Industries with highest loan volume
Child Care Services
3
loans
$881K
avg. amount
Snack and Nonalcoholic Beverage Bars
2
loans
$587K
avg. amount
Hotels (except Casino Hotels) and Motels
2
loans
$4.1M
avg. amount
Electrical Contractors and Other Wiring Installation Contractors
2
loans
$612K
avg. amount
Hobby, Toy, and Game Retailers
1
loans
$258K
avg. amount
Beauty Salons
1
loans
$575K
avg. amount
Florists
1
loans
$184K
avg. amount
Packaging and Labeling Services
1
loans
$940K
avg. amount
Full-Service Restaurants
1
loans
$1.1M
avg. amount
Electronics and Appliance Retailers
1
loans
$419K
avg. amount
10-Year
3.9%
Percentile Ranking
94th
94th percentile
HomeTrust Bank’s median variable rate is + 2.25%, against a market median of Prime + 1.88%, 38 above market.
It priced below the market median in 0 of the last 8 quarters.
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 2.60% |
| $500K-$1M | Prime + 1.94% |
| $1M-$2M | Prime + 2.44% |
| $3M-$4M | Prime + 1.25% |
| $4M-$5M | Prime + 1.50% |
| Quarter | This lender | Market median | Market range | Loans |
|---|---|---|---|---|
| Q1 '20 | Prime + 2.38% | Prime + 2.00% | Prime + 1.40% – Prime + 2.50% | 4 |
| Q3 '20 | Prime + 2.25% | Prime + 2.25% | Prime + 1.75% – Prime + 2.75% | 10 |
| Q1 '21 | Prime + 2.50% | Prime + 2.25% | Prime + 1.75% – Prime + 2.75% | 3 |
| Q4 '21 | Prime + 2.25% | Prime + 2.00% | Prime + 1.64% – Prime + 2.50% | 4 |
| Q1 '22 | Prime + 2.50% | Prime + 2.00% | Prime + 1.74% – Prime + 2.50% | 5 |
| Q3 '22 | Prime + 1.75% | Prime + 1.75% | Prime + 1.25% – Prime + 2.25% | 3 |
| Q4 '22 | Prime + 2.50% | Prime + 1.75% | Prime + 1.00% – Prime + 2.00% | 7 |
| Q3 '24 | Prime + 2.00% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 6 |
HomeTrust Bank has originated 7(a) acquisition loans in 11 states, most actively in North Carolina (9), Georgia (4) and Texas (3). Darker states on the map carry more volume.
| State | Loans | % of Total |
|---|---|---|
| North Carolina | 9 | 32.1% |
| Georgia | 4 | 14.3% |
| Texas | 3 | 10.7% |
| Alabama | 2 | 7.1% |
| Florida | 2 | 7.1% |
| Virginia | 2 | 7.1% |
| South Carolina | 2 | 7.1% |
| VI | 1 | 3.6% |
| New York | 1 | 3.6% |
| New Mexico | 1 | 3.6% |
| Illinois | 1 | 3.6% |
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