B
The Home Trust & Savings Bank
OsageIA
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The Home Trust & Savings Bank
Osage, IA
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Rating B
Asset Quality Index 6.40
Capitalization Index 9.40
Liquidity Index 2.60
Profitability Index 4.40
Stability Index 5.80
Company Info The Home Trust & Savings Bank
Osage, IA
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FDIC Number 963
Phone Number (641) 732-3763
Website www.hometrustbank.com
Asset Quality The Home Trust & Savings Bank
Osage, IA
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1-Year Asset Growth 1.88%
5-Year Asset Growth 4.36%
5-Year Charge-Offs to Average Loans -0.01%
Charge-Offs to Average Loans -0.02%
Non-Performing Assets to Assets 0.19%
Non-Performing Loans to Capital 3.06%
Non-Performing Loans to Loans 0.28%
Balance Sheet The Home Trust & Savings Bank
Osage, IA
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Total Assets 290.26M
Total Deposits 254.93M
Capital and Reserves The Home Trust & Savings Bank
Osage, IA
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Capital 26.94M
Leverage Ratio 10.62
Loan Loss Reserves to Loans 1.23%
Risk-Based Capital Ratio 16.13
Liquidity The Home Trust & Savings Bank
Osage, IA
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Hot Money Ratio 22.96%
Liquidity Ratio 22.29%
Profitability The Home Trust & Savings Bank
Osage, IA
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5-Year Return on Average Assets 1.03%
Net Income 2.25M
Net Interest Spread 2.29%
Operating Profit to Average Assets 1.06%
Overhead Efficiency Ratio 49.09%
Return on Assets 1.02%
Return on Equity 12.23%