Home Bank and Trust Company on Your Credit Report
In short: Headquartered in Eureka, Kansas, Home Bank and Trust Company is a state-chartered commercial bank that is not a member of the Federal Reserve System. FDIC certificate 4664 records the charter as established August 4, 1904. That makes it a pre-Depression charter that has survived every subsequent change in bank reporting, so its tradelines have passed through several generations of core systems. As of the 06/30/2026 call report, Home Bank and Trust Company held $183 million in assets and operated 6 FDIC-reported offices. Home Bank and Trust Company is the furnisher of record on accounts it originates, so both the §623 route to the bank and the §611 route through the bureaus are open to you. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who Home Bank and Trust Company actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Home Bank and Trust Company is recorded by the FDIC under certificate 4664 as a state-chartered commercial bank that is not a member of the Federal Reserve System, established August 4, 1904 in Eureka, Kansas, with $183 million in assets and 6 offices as of 06/30/2026.
How Home Bank and Trust Company appears on your credit report
Home Bank and Trust Company is an original creditor, not a collector, and that changes the mechanics. With 6 offices, the branch that opened the account is often still the fastest route to the original paperwork — ask for it by branch, not just by account number. Cite the last four digits, the open date and the single field in question, and send the bureau dispute simultaneously so the two investigations run concurrently. Whether anything changes depends on the underlying records, and that varies by account.
Names it may report under
Products that commonly show up
- ◆Mortgage and home-equity credit originated in the Eureka area
- ◆Consumer accounts originated across its 6 Kansas offices
- ◆Deposit-account overdraft balances referred for collection
Grounds to dispute a Home Bank and Trust Company entry
Each of these is a reason a Home Bank and Trust Company tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Duplicate tradeline created when Home Bank and Trust Company converted its loan platform
- ◆Business loan with a personal guaranty reported on the individual's consumer file
- ◆Loan paid off at maturity still showing an open balance
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
Home Bank and Trust Company is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, Home Bank and Trust Company has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send Home Bank and Trust Company a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Home Bank and Trust Company questions, answered
Is Home Bank and Trust Company FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 4664. That record lists Home Bank and Trust Company as a state-chartered commercial bank that is not a member of the Federal Reserve System headquartered in Eureka, KS, chartered August 4, 1904, with $183 million in assets across 6 FDIC-reported offices on the 06/30/2026 call report.
Who regulates Home Bank and Trust Company, and where do I escalate if a dispute fails?
As a state-chartered commercial bank that is not a member of the Federal Reserve System, Home Bank and Trust Company answers primarily to the FDIC and its state banking regulator. When a §623 dispute to the bank and a §611 dispute to the bureaus both come back verified and you still hold contrary documentation, the next steps are a CFPB complaint and, if needed, the private right of action FCRA §§616–617 provides. None of that requires paying anyone.
How many credit-card complaints does the CFPB show against Home Bank and Trust Company?
None is listed. Home Bank and Trust Company did not match any company key in the CFPB credit-card complaint dataset on an exact-name basis, and we decline to estimate from a loose match. You can search the public database yourself at consumerfinance.gov.
How long can a Home Bank and Trust Company charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Home Bank and Trust Company account. That anchor date does not reset when the balance is charged off, sold, or transferred. A tradeline whose delinquency date drifts later has been re-aged, and re-aging is a reportable inaccuracy in its own right.
What is the difference between disputing with Home Bank and Trust Company and disputing with a collector?
Home Bank and Trust Company is the original creditor and holds the underlying file — application, statements, posting history. A collector holds only what was transferred with the account. That is why a §623 dispute to Home Bank and Trust Company tends to resolve factual questions a collector simply cannot answer.
Does Home Bank and Trust Company report to all three credit bureaus?
There is no legal requirement to report to every bureau, and banks this size often do not. Compare all three files first. With Home Bank and Trust Company, a varying balance usually reflects different refresh dates; a varying account status or date of first delinquency is the real signal.
Home Bank and Trust Company was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When Home Bank and Trust Company migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Request deletion rather than a status change; marking the extra tradeline closed leaves it weighing on your utilization. In this case the charter is a pre-Depression charter that has survived every subsequent change in bank reporting, so its tradelines have passed through several generations of core systems.
Can I dispute Home Bank and Trust Company reporting myself, without paying anyone?
Yes, and at no cost. Both the §611 bureau dispute and the §623 furnisher dispute are rights you already hold — no company is required to exercise them for you. Put the challenge to Home Bank and Trust Company in writing, name one field, mirror it to the bureaus, and keep copies. Results vary with what the documentation supports.
What should I check first on Home Bank and Trust Company reporting?
Start with the date of first delinquency, then the account status, then the high balance or limit — those three drive both the seven-year clock and the scoring weight. Match the Home Bank and Trust Company entry to your statements before writing. A specific, documented inaccuracy moves an investigation that a blanket request will not.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by Home Bank and Trust Company; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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