Home Bank&Trust Co
Eureka, Kansas · FDIC Cert #4664
Home Bank&Trust Co is an FDIC-insured bank (Certificate #4664) with $169M in total assets and $156M in total deposits as of the Q2 2024 Call Report. Headquartered in Eureka, Kansas, the bank maintains a Tier 1 capital ratio of 9.86% (Well-Capitalized) and a nonperforming loan ratio of 0.02%. BankHealthData assigns a composite Health Grade of C (64/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Home Bank&Trust Co (FDIC cert 4664) is a community bank — $169M in total assets, $156M in deposits, serving the Eureka, Kansas area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 9.86% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.02% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is thin: 9.6% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is strong: return on assets of 1.60% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Home Bank&Trust Co carries a composite BankHealth grade of C (64/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Home Bank&Trust Co
- Total Assets
- $169M
- Total Deposits
- $156M
- Tier 1 Capital Ratio
- 9.86%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.02%
- Liquidity Ratio
- 9.58%
- Return on Assets
- 1.60%
- Headquarters
- Eureka, Kansas
- FDIC Certificate
- #4664
- Health Grade
- C (64/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Home Bank&Trust Co holds a Tier 1 capital ratio of 9.86%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Home Bank&Trust Co has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Home Bank&Trust Co shows average financial health. While not alarming, its Health Score of 64/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Home Bank&Trust Co Compares
Home Bank&Trust Co’s Health Score of 64 is 5 points below the Kansas state average of 69 across 159 FDIC-insured banks. Its 9.86% Tier 1 capital ratio is 4.1 points below the US banking industry average near 14%. The 0.02% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.60% is in line with or above the national ROA benchmark of ~1.1%. Among 1432 similarly-sized banks, the average Health Score is 68, meaning this bank ranks below its size cohort. Site-wide, Home Bank&Trust Co is 6 points below the portfolio average of 70.
Frequently Asked Questions
Home Bank&Trust Co has a Bank Health Score of C (64/100), placing it in average financial health. It holds a Tier 1 capital ratio of 9.86%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Home Bank&Trust Co's Tier 1 capital ratio of 9.86% and nonperforming loan ratio of 0.02% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Home Bank&Trust Co is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #4664). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Home Bank&Trust Co holds $169M in total assets and $156M in total deposits. It is headquartered in Eureka, Kansas (FDIC Certificate #4664).
Home Bank&Trust Co has a Tier 1 capital ratio of 9.86%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.02%, and the return on assets is 1.60%.
Yes. Home Bank&Trust Co is FDIC-insured (Certificate #4664). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Home Bank&Trust Co's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.