Home Bank and Trust Company Reports – 840251

Home Bank and Trust Company Financial Reports

Quater Ended: 2024-03-31

Home Bank and Trust Company is a Commercial bank, state charter, Fed non-member, and supervised by the Federal Deposit Insurance Corporation (FDIC) located in Eureka, KS. Established on 08/04/1904, the bank is regulated by the FDIC and has 6 domestic offices. It operates in the N/A.

The bank has 31 employees and holds $157,891k in total assets. With a focus on community banking, the bank has been serving its customers since 08/04/1904.

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Home Bank and Trust Company Institution Profile

Established Date 08/04/1904 Institution Class Commercial bank, state charter, Fed non-member, and supervised by the Federal Deposit Insurance Corporation (FDIC)
Primary Regulator FDIC Number of Domestic Offices 6
Number of Foreign Offices 0 Number of US Offices 0
Number of Employees 31 Directly owned by another bank (CERT) No
Community Bank Yes ZIP 67045
Ownership Type Not Mutual City Eureka
State Alpha code KS State and County Number 20073
Subchapter S Corporations Yes Trust Powers N/A
Federal Reserve ID Number 10 Federal Reserve ID Number Description KANSAS CITY
Office of The Comptroller District: WESTERN DISTRICT Office of Thrift Supervision Region Western
Last Structure Change Effective Date 08/31/2022 Date of Deposit Insurance 01/01/1934
Primary Insurance Agency DIF

Institution Profile Overview

Delve into the foundational details of Home Bank and Trust Company with our “Institution Profile” table. The 08/04/1904 marks the bank’s inception, providing historical context. Categorized as a Commercial bank, state charter, Fed non-member, and supervised by the Federal Deposit Insurance Corporation (FDIC), the bank operates under the oversight of FDIC, ensuring compliance and regulatory adherence.

6 domestic offices reflect the bank’s physical footprint, while insights into ownership type, trust powers, and regulatory affiliations contribute to understanding its operational structure. Details such as Eureka, KS, and 67045 provide geographic context. Explore these attributes to gain a holistic view of Home Bank and Trust Company in the financial landscape.

Home Bank and Trust Company Financials

(USD, in thousands)

Total Assets 157,891 Total Liabilities 145,722
Total Equity Capital 12,169 Total Deposits 137,903
Net Loans and Leases 136,330 Total Interest Income 2,177
Total Noninterest Income 235 Total Interest Expense 693
Total Noninterest Expense 1,099 Tier 1 Risk-Based Capital Ratio 10
Net Loans and Leases to Core Deposits 112 Return on Assets 2
Return on Equity 20 Efficiency Ratio 64

Financial Performance Overview

Gain a comprehensive perspective on Home Bank and Trust Company’s financial landscape through our “Financials” table. The bank boasts total assets of $157,891k, showcasing its substantial scale and influential market presence. A nuanced breakdown reveals insights into the bank’s financial structure and stability, with total liabilities standing at $145,722k and total equity capital at $12,169k.

Delve into key operational metrics, including total deposits of $137,903k, net loans and leases at $136k, and a meticulous analysis of income and expense components. Explore vital ratios such as the Tier 1 Risk-Based Capital Ratio, standing at 9.8122, and Return on Assets at 1.52. These metrics provide valuable insights into the bank’s risk management strategies and overall profitability.

This detailed financial overview is designed to enhance your understanding of Home Bank and Trust Company’s performance and competitive positioning within the financial industry.

Home Bank and Trust Company Additional Financial Information

(USD, in thousands)

Earnings Coverage of Net Loan Charge-Offs(x) 0 Net Loans and Leases to Core Deposits 112
Tier 1 Risk-Based Capital Ratio 10 Securities Gains (Losses) 0
Goodwill and Other Intangibles N/A Cost of Funding Earning Assets 2
Yield on Earning Assets 6 Total Interest Income 2,177
Applicable Income Taxes 19 Loss Allowance to Loans and Leases 1
Net Loans and Leases 136,330 Loss Allowance to Noncurrent Loans and Leases 1,659
Noncurrent Loans to Loans 0 Net Income Attributable to Bank and Noncontrolling Interests 595
Net Interest Income 1,484 Net Interest Margin 4
Net Operating Income to Assets 2 Noninterest Income to Average Assets 1
Total Noninterest Income 235 Noninterest Expense to Average Assets 3
Total Noninterest Expense 1,099 Net Charge-Offs to Loans and Leases 0
All Other Assets 5,911 Other Real Estate Owned 0
Other borrowed funds 7,000 Pre-tax Net Operating Income 614
Pretax Return on Assets 2 Return on Assets 2
Retained Earnings to Average Equity (YTD only) 10

Insights into Financial Metrics

Enhance your understanding of Home Bank and Trust Company’s financial standing through our “Additional Financial Information” table. Explore key metrics such as Net Loans and Leases: $136,330k and Net Interest Income $1,484k to gain valuable insights into the bank’s core operations and revenue streams. Assess the Tier 1 Risk-Based Capital Ratio: 9.8122 for in-depth insights into capital adequacy and risk management strategies.

Delve into the intricacies of Net Charge-Offs to Loans and Leases: 0 to evaluate the bank’s asset quality and risk mitigation efforts. Examine the composition of income through Total Noninterest Income:$235k and evaluate operational efficiency using metrics like Efficiency Ratio: 63.93. This nuanced financial overview empowers a comprehensive analysis of Home Bank and Trust Company’s strategic financial position and performance in the industry.

This table provides key financial information about Home Bank and Trust Company. Get more data about Home Bank and Trust Company on Visbanking Report Portal.