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 6.30
Capitalization Index 9.10
Liquidity Index 2.50
Profitability Index 3.70
Stability Index 5.70
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 0.11%
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 0.18%
Non-Performing Loans to Capital 3.39%
Non-Performing Loans to Loans 0.26%
Balance Sheet The Home Trust & Savings Bank
Osage, IA
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Total Assets 285.20M
Total Deposits 247.17M
Capital and Reserves The Home Trust & Savings Bank
Osage, IA
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Capital 24.55M
Leverage Ratio 10.42
Loan Loss Reserves to Loans 1.22%
Risk-Based Capital Ratio 15.94
Liquidity The Home Trust & Savings Bank
Osage, IA
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Hot Money Ratio 22.97%
Liquidity Ratio 19.16%
Profitability The Home Trust & Savings Bank
Osage, IA
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5-Year Return on Average Assets 1.03%
Net Income 1.35M
Net Interest Spread 2.20%
Operating Profit to Average Assets 0.95%
Overhead Efficiency Ratio 51.16%
Return on Assets 0.92%
Return on Equity 11.28%