Institution profile · Domestic bank (Schedule I)
Home Trust and Oaken Financial
MergedHome Trust Company; Home BankCDIC
Home Trust Company and its subsidiary Home Bank are federally regulated lenders that also take deposits under the Oaken Financial name. Since January 2025 they are part of the Fairstone Bank group.
Profile facts checked October 30, 2026
Combined with Fairstone Bank of Canada under the Fairstone Bank parent on January 8, 2025. Home Trust Company and Home Bank remain separately regulated CDIC members.
At a glance
- Legal name
- Home Trust Company; Home Bank
- Type
- Domestic bank (Schedule I)
- Owner / parent
- Fairstone Bank group (since January 8, 2025)
- Head office
- Toronto, ON
- Founded
- 1987 — Oaken says Home Trust has served Canadians since 1987.
- Regulator
- Office of the Superintendent of Financial Institutions (OSFI) for safety and soundness; Financial Consumer Agency of Canada (FCAC) for consumer protection
- OBSI banking cases
- 6 opened in fiscal 2025 (Nov 1, 2024 – Oct 31, 2025)
- Website
- www.hometrust.ca
Deposit protection
Home Bank and Home Trust Company are each separate CDIC members. Oaken Financial is a name of both.
Names CDIC lists for these members: Oaken Financial.
Home Trust and Oaken Financial doesn’t list personal chequing or savings accounts in FCAC’s Account Comparison Tool (retrieved November 1, 2026), so we can’t price its accounts here. Check its own fee disclosures.
On the official lists
| Legal entity | OSFI list | CDIC member |
|---|---|---|
| Home Bank | OSFI — Schedule I domestic bank | Yes |
| Home Trust Company | OSFI — trust company | Yes |
Facts, with sources
- Oaken Financial is a trademark of Home Bank, a wholly owned subsidiary of Home Trust Company.Source: oaken.com
- Fairstone Bank of Canada and Home Trust Company closed their combination on January 8, 2025; brands include Home Trust, Oaken Financial, Home Bank, Fairstone, EdenPark and Fig.Source: newswire.ca
Fees for this institution aren’t in FCAC’s tool. Ask for its fee schedule and put the numbers into the account-fee calculator.
Complaints that reached the ombudsman
OBSI, the ombudsman for banking, opened 6 banking cases about Home Trust Company in fiscal 2025 (Nov 1, 2024 – Oct 31, 2025), closed 5, and resolved 2 to the complainant’s satisfaction. Across all banks and credit unions, OBSI opened 5,438 banking cases that year (+113% on the year before) and 25% of closed cases ended with money paid.
Counts aren’t adjusted for size, so bigger banks have more cases. A complaint reaches OBSI only after the bank’s own process (up to 56 days). Source: OBSI Annual Report 2025, released March 13, 2026. How to complain.
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