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  4. [10-Q] HomeTrust Bancshares, Inc. Quarterly Earnings Report

[10-Q] HomeTrust Bancshares, Inc. Quarterly Earnings Report

Filing Impact
(Neutral)
Filing Sentiment
(Neutral)
Form Type
10-Q
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UNITED STATES SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-Q

☒            QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended September 30, 2025

☐            TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from _______ to ________

Commission file number:     001-35593

HOMETRUST BANCSHARES, INC.
(Exact name of registrant as specified in its charter)
Maryland
          45-5055422
(State or other jurisdiction of incorporation of organization)(I.R.S. Employer Identification No.)

10 Woodfin Street, Asheville, North Carolina 28801
(Address of principal executive offices; Zip Code)

(828) 259-3939
(Registrant's telephone number, including area code)

None
(Former name, former address and former fiscal year, if changed since last report)

Securities Registered Pursuant to Section 12(b) of the Act:
Title of each classTrading SymbolName of each exchange on which registered
Common Stock, par value $0.01 per shareHTBThe New York Stock Exchange LLC

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 and 15(d) of the Exchange Act during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ☒ No ☐

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ☒ No ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company” and "emerging growth company" in Rule 12b-2 of the Exchange Act.
Large accelerated filer ☐      
Accelerated filer ☒
Non-accelerated filer   ☐
Smaller reporting company ☐
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).  Yes ☐ No ☒
There were 17,444,032 shares of common stock, par value of $0.01 per share, issued and outstanding as of November 3, 2025.


HOMETRUST BANCSHARES, INC. AND SUBSIDIARIES
FORM 10-Q
TABLE OF CONTENTS
 Page
PART I FINANCIAL INFORMATION
 
Item 1
Financial Statements
 
  
Consolidated Balance Sheets at September 30, 2025 (Unaudited) and December 31, 2024
3
  
Consolidated Statements of Income (Unaudited) for the Three and Nine Months Ended September 30, 2025 and 2024
4
  
Consolidated Statements of Comprehensive Income (Unaudited) for the Three and Nine Months Ended September 30, 2025 and 2024
5
  
Consolidated Statements of Changes in Stockholders' Equity (Unaudited) for the Three and Nine Months Ended September 30, 2025 and 2024
6
  
Consolidated Statements of Cash Flows (Unaudited) for the Nine Months Ended September 30, 2025 and 2024
8
  
Notes to Consolidated Financial Statements
10
  
Item 2
Management's Discussion and Analysis of Financial Condition and Results of Operations
34
  
Item 3
Quantitative and Qualitative Disclosures about Market Risk
45
  
Item 4
Controls and Procedures
46
  
PART II OTHER INFORMATION 
 
  
Item 1
Legal Proceedings
46
  
Item 1A
Risk Factors
46
  
Item 2
Unregistered Sales of Equity Securities and Use of Proceeds
46
  
Item 3
Defaults Upon Senior Securities
46
  
Item 4
Mine Safety Disclosures
46
  
Item 5
Other Information
46
  
Item 6
Exhibits
46
  
SIGNATURES
49

1

Glossary of Defined Terms
The following terms may be used throughout this Form 10-Q, including the Notes to Consolidated Financial Statements in Item 1 and Management's Discussion and Analysis of Financial Condition and Results of Operations in Item 2 of this Form 10-Q.
TermDefinition
ACLAllowance for Credit Losses
AFSAvailable-for-Sale
ASCAccounting Standards Codification
ASUAccounting Standards Update
BOLIBank Owned Life Insurance
CD
Certificate of Deposit
CDACollateral Dependent Asset
CECLCurrent Expected Credit Losses
CET1
Common Equity Tier 1
ECLExpected Credit Losses
EPSEarnings Per Share
ESOPEmployee Stock Ownership Plan
FASBFinancial Accounting Standards Board
FDICFederal Deposit Insurance Corporation
Federal ReserveBoard of Governors of the Federal Reserve System
FHLB or FHLB of AtlantaFederal Home Loan Bank of Atlanta
FRBFederal Reserve Bank of Richmond
GSEGovernment-Sponsored Enterprises
HELOCHome Equity Line of Credit
IRLCInterest Rate Lock Commitments
MBS
Mortgage-Backed Security
NCCOB
North Carolina Office of the Commissioner of Banks
PCDPurchased Financial Assets with Credit Deterioration
QuantumQuantum Capital Corp. and its wholly owned subsidiary, Quantum National Bank
ROAReturn on Assets
ROEReturn on Equity
ROURight of Use
RSURestricted Stock Unit
SBAU.S. Small Business Administration
SBICSmall Business Investment Companies
SEC
Securities and Exchange Commission
SOFRSecured Overnight Financing Rate
TBATo-be-announced
US GAAP
Generally Accepted Accounting Principles in the United States

2

PART I. FINANCIAL INFORMATION
Item 1. Financial Statements
HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Consolidated Balance Sheets
(Dollars in thousands, except per share data)
(Unaudited)
September 30, 2025December 31, 2024
Assets
Cash$15,435 $18,778 
Interest-bearing deposits300,395 260,441 
Cash and cash equivalents315,830 279,219 
Certificates of deposit in other banks20,833 28,538 
Debt securities available for sale, at fair value (amortized cost of $145,261 and $154,199 at September 30, 2025 and December 31, 2024, respectively)
145,682 152,011 
FHLB and FRB stock14,325 13,630 
SBIC investments18,346 15,117 
Loans held for sale, at fair value7,907 4,144 
Loans held for sale, at the lower of cost or fair value189,047 202,018 
Loans, net of deferred loan fees and costs3,643,619 3,648,299 
Allowance for credit losses – loans(43,086)(45,285)
Loans, net3,600,533 3,603,014 
Premises and equipment held for sale, at the lower of cost or fair value616 616 
Premises and equipment, net62,437 69,872 
Accrued interest receivable17,077 18,336 
Deferred income taxes, net9,789 10,735 
BOLI93,474 90,868 
Goodwill34,111 34,111 
Core deposit intangibles, net5,259 6,595 
Other assets56,871 66,606 
Total assets$4,592,137 $4,595,430 
Liabilities and stockholders' equity  
Liabilities  
Deposits$3,698,227 $3,779,203 
Junior subordinated debt10,195 10,120 
Borrowings230,000 188,000 
Other liabilities57,882 66,349 
Total liabilities3,996,304 4,043,672 
Commitments and contingencies – See Note 13
Stockholders' equity  
Preferred stock, $0.01 par value, 10,000,000 shares authorized, none issued or outstanding
— — 
Common stock, $0.01 par value, 60,000,000 shares authorized, 17,520,425 shares issued and outstanding at September 30, 2025; 17,527,709 at December 31, 2024
175 175 
Additional paid in capital176,289 176,693 
Retained earnings422,615 380,541 
Unearned ESOP shares(3,571)(3,966)
Accumulated other comprehensive income (loss)325 (1,685)
Total stockholders' equity595,833 551,758 
Total liabilities and stockholders' equity$4,592,137 $4,595,430 
The accompanying notes are an integral part of these consolidated financial statements.
3

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Consolidated Statements of Income
(Dollars in thousands, except per share data)
(Unaudited)(Unaudited)
Three Months Ended September 30,Nine Months Ended September 30,
2025202420252024
Interest and dividend income
Loans$61,749 $63,305 $180,802 $185,418 
Debt securities available for sale1,662 1,616 5,107 4,424 
Other investments and interest-bearing deposits1,984 1,728 6,762 5,576 
Total interest and dividend income65,395 66,649 192,671 195,418 
Interest expense   
Deposits19,474 23,408 58,693 64,864 
Junior subordinated debt207 235 618 705 
Borrowings325 648 835 3,550 
Total interest expense20,006 24,291 60,146 69,119 
Net interest income45,389 42,358 132,525 126,299 
Provision for credit losses2,015 2,975 4,858 8,400 
Net interest income after provision for credit losses43,374 39,383 127,667 117,899 
Noninterest income   
Service charges and fees on deposit accounts2,527 2,336 7,273 6,839 
Loan income and fees577 684 1,846 2,009 
Gain on sale of loans held for sale1,725 1,900 5,742 5,185 
BOLI income882 828 2,576 3,470 
Operating lease income1,777 1,637 5,032 5,087 
Gain on sale of branches— — 1,448 — 
Gain (loss) on sale of premises and equipment— — 28 (9)
Other1,263 897 2,990 2,625 
Total noninterest income8,751 8,282 26,935 25,206 
Noninterest expense   
Salaries and employee benefits18,508 17,082 54,415 50,666 
Occupancy expense, net2,563 2,436 7,449 7,292 
Computer services2,562 3,192 7,855 9,396 
Operating lease depreciation expense1,770 2,101 5,427 5,667 
Telephone, postage and supplies539 547 1,646 1,712 
Marketing and advertising471 408 1,365 1,659 
Deposit insurance premiums468 589 1,452 1,674 
Core deposit intangible amortization410 567 1,336 1,896 
Other3,975 3,947 12,537 11,526 
Total noninterest expense31,266 30,869 93,482 91,488 
Income before income taxes20,859 16,796 61,120 51,617 
Income tax expense4,368 3,684 12,880 11,020 
Net income$16,491 $13,112 $48,240 $40,597 
Per share data   
Net income per common share    
Basic$0.96 $0.77 $2.81 $2.38 
Diluted$0.95 $0.76 $2.79 $2.37 
Average shares outstanding    
Basic16,998,549 16,931,793 17,005,206 16,891,619 
Diluted17,130,030 17,027,824 17,117,605 16,938,328 
The accompanying notes are an integral part of these consolidated financial statements.
4

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Consolidated Statements of Comprehensive Income
(Dollars in thousands)
(Unaudited)(Unaudited)
Three Months Ended September 30,Nine Months Ended September 30,
 2025202420252024
Net income$16,491 $13,112 $48,240 $40,597 
Other comprehensive income   
Unrealized holding gains on debt securities available for sale    
Gains arising during the period780 3,143 2,609 2,080 
Deferred income tax expense(179)(724)(599)(479)
Total other comprehensive income601 2,419 2,010 1,601 
Comprehensive income$17,092 $15,531 $50,250 $42,198 
The accompanying notes are an integral part of these consolidated financial statements.
5

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Consolidated Statements of Changes in Stockholders' Equity
(Dollars in thousands)
(Unaudited)
Three Months Ended September 30, 2025
Common StockAdditional
Paid In
Capital		Retained
Earnings		Unearned
ESOP
Shares		Accumulated
Other
Comprehensive Income (Loss)		Total
Stockholders'
Equity
SharesAmount
Balance at June 30, 202517,492,143 $175 $174,900 $408,178 $(3,703)$(276)$579,274 
Net income— — — 16,491 — — 16,491 
Cash dividends declared on common stock, $0.12/common share
— — — (2,054)— — (2,054)
Retired stock(2,914)— (116)— — — (116)
Granted restricted stock1,000 — — — — — — 
Stock issued for RSUs9,996 — — — — — — 
Exercised stock options20,200 — 515 — — — 515 
Share-based compensation expense— — 593 — — — 593 
ESOP compensation expense— — 397 — 132 — 529 
Other comprehensive income— — — — — 601 601 
Balance at September 30, 202517,520,425 $175 $176,289 $422,615 $(3,571)$325 $595,833 
(Unaudited)
Three Months Ended September 30, 2024
Common StockAdditional
Paid In
Capital		Retained
Earnings		Unearned
ESOP
Shares		Accumulated
Other
Comprehensive Income (Loss)		Total
Stockholders'
Equity
SharesAmount
Balance at June 30, 202417,437,326 $175 $172,907 $357,147 $(4,232)$(2,369)$523,628 
Net income— — — 13,112 — — 13,112 
Cash dividends declared on common stock, $0.11/common share
— — — (1,876)— — (1,876)
Forfeited restricted stock(2,211)— — — — — — 
Retired stock(3,989)— (132)— — — (132)
Granted restricted stock1,000 — — — — — — 
Stock issued for RSUs10,683 — — — — — — 
Exercised stock options72,113 — 1,865 — — — 1,865 
Share-based compensation expense— — 541 — — — 541 
ESOP compensation expense— — 314 — 133 — 447 
Other comprehensive income— — — — — 2,419 2,419 
Balance at September 30, 202417,514,922 $175 $175,495 $368,383 $(4,099)$50 $540,004 
The accompanying notes are an integral part of these consolidated financial statements.







6

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Consolidated Statements of Changes in Stockholders' Equity
(Dollars in thousands)
(Unaudited)
Nine Months Ended September 30, 2025
Common StockAdditional
Paid In
Capital		Retained
Earnings		Unearned
ESOP
Shares		Accumulated
Other
Comprehensive
Income (Loss)		Total
Stockholders'
Equity
SharesAmount
Balance at December 31, 2024
17,527,709 $175 $176,693 $380,541 $(3,966)$(1,685)$551,758 
Net income— — — 48,240 — — 48,240 
Cash dividends declared on common stock, $0.36/common share
— — — (6,166)— — (6,166)
Common stock repurchased(93,212)(1)(3,333)— — — (3,334)
Forfeited restricted stock(3,621)— — — — — — 
Retired stock(14,676)— (558)— — — (558)
Granted restricted stock60,329 — — — — — — 
Stock issued for RSUs9,996 — — — — — — 
Exercised stock options33,900 1 845 — — — 846 
Share-based compensation expense— — 1,579 — — — 1,579 
ESOP compensation expense— — 1,063 — 395 — 1,458 
Other comprehensive income— — — — — 2,010 2,010 
Balance at September 30, 202517,520,425 $175 $176,289 $422,615 $(3,571)$325 $595,833 
(Unaudited)
Nine Months Ended September 30, 2024
Common StockAdditional
Paid In
Capital		Retained
Earnings		Unearned
ESOP
Shares		Accumulated
Other
Comprehensive Income (Loss)		Total
Stockholders'
Equity
SharesAmount
Balance at December 31, 202317,387,069 $174 $172,366 $333,401 $(4,497)$(1,551)$499,893 
Net income— — — 40,597 — — 40,597 
Cash dividends declared on common stock, $0.33/common share
— — — (5,615)— — (5,615)
Common stock repurchased(23,483)— (645)— — — (645)
Forfeited restricted stock(2,211)— — — — — — 
Retired stock(12,751)— (365)— — — (365)
Granted restricted stock73,502 — — — — — — 
Stock issued for RSUs10,683 — — — — — — 
Exercised stock options82,113 1 2,023 — — — 2,024 
Share-based compensation expense— — 1,363 — — — 1,363 
ESOP compensation expense— — 753 — 398 — 1,151 
Other comprehensive income— — — — — 1,601 1,601 
Balance at September 30, 202417,514,922 $175 $175,495 $368,383 $(4,099)$50 $540,004 
The accompanying notes are an integral part of these consolidated financial statements.




7

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Consolidated Statements of Cash Flows
(Dollars in thousands)
(Unaudited)
Nine Months Ended September 30,
 20252024
Operating activities
Net income$48,240 $40,597 
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses4,858 8,400 
Depreciation and amortization of premises and equipment and equipment for operating leases8,437 8,558 
Deferred income tax expense346 1,217 
Net accretion of purchase accounting adjustments on loans(1,694)(2,033)
Net amortization and accretion2,920 5,037 
SBIC investments income(2,254)(895)
Gain on sale of branches(1,448)— 
(Gain) loss on sale of premises and equipment(28)9 
Loss on repossessed assets331 — 
Loss on previously leased equipment1,525 1,308 
BOLI income(2,576)(3,470)
Gain on sale of loans held for sale(5,742)(5,185)
Origination of loans held for sale(352,105)(201,485)
Proceeds from sales of loans held for sale353,638 198,199 
New deferred loan origination fees (costs), net76 (1,931)
Decrease (increase) in accrued interest receivable and other assets3,428 (8,241)
Share-based compensation expense1,579 1,363 
ESOP compensation expense1,458 1,151 
Decrease in accrued interest payable and other liabilities(9,385)(1,932)
Net cash provided by operating activities51,604 40,667 
Investing activities  
Purchase of debt securities available for sale(11,683)(33,258)
Proceeds from maturities, calls and paydowns of debt securities available for sale21,550 22,598 
Purchases of CDs in other banks(1,742)(3,925)
Proceeds from maturities of CDs in other banks9,447 9,357 
Net (purchases) redemption of FHLB and FRB stock(695)9 
Net capital contributions in SBIC investments(975)(805)
Net decrease (increase) in loans11,216 (50,301)
Purchase of BOLI(30)(28)
Proceeds from redemption of BOLI policies2,174 44,334 
Death benefit proceeds from BOLI policies— 2,363 
Purchase of equipment for operating leases - lessor(2,550)(13,703)
Proceeds from sale of equipment for operating leases - lessor1,410 8,657 
Purchase of premises and equipment(3,123)(1,492)
Proceeds from sale of premises and equipment and assets held for sale7,652 — 
Proceeds from sale of repossessed assets544 — 
Net cash provided by (used in) investing activities33,195 (16,194)










8

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Consolidated Statements of Cash Flows (continued)
(Dollars in thousands)
(Unaudited)
Nine Months Ended September 30,
 20252024
Financing activities  
Deposits assumed by third parties through branch sales(34,252)— 
Net increase (decrease) in deposits(46,724)100,215 
Net decrease in revolving line of credit— (12,750)
Net increase (decrease) in short-term borrowings42,000 (161,000)
Common stock repurchased(3,334)(645)
Cash dividends paid(6,166)(5,615)
Retired stock(558)(365)
Exercised stock options846 2,024 
Net cash used in financing activities(48,188)(78,136)
Net increase (decrease) in cash and cash equivalents36,611 (53,663)
Cash and cash equivalents at beginning of period279,219 347,140 
Cash and cash equivalents at end of period$315,830 $293,477 
Supplemental disclosures
Cash paid during the period for
Interest$65,309 $66,001 
Income taxes14,593 13,664 
Noncash transactions  
Unrealized gain in value of debt securities available for sale, net of income taxes$2,010 $1,601 
Transfers of loans held for sale to loans held for investment15,026 17,040 
Transfers of loans held for investment to repossessed assets293 872 
Transfer of premises and equipment to assets held for sale7,624 — 
ROU asset and lease liabilities for operating lease accounting776 — 
The accompanying notes are an integral part of these consolidated financial statements.
9

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
1.    Summary of Significant Accounting Policies
The consolidated unaudited financial statements presented in this report include the accounts of HomeTrust Bancshares, Inc., a Maryland corporation (“HomeTrust”), and its wholly-owned subsidiary, HomeTrust Bank (the “Bank”). As used throughout this report, the term the “Company” refers to HomeTrust and its consolidated subsidiary, unless the context otherwise requires. HomeTrust is a bank holding company primarily engaged in the business of planning, directing and coordinating the business activities of the Bank. The Bank is a North Carolina state chartered bank and provides a wide range of retail and commercial banking products within its geographic footprint, which includes: North Carolina (the Asheville metropolitan area, the "Piedmont" region, Charlotte and Raleigh/Cary), South Carolina (Greenville and Charleston), East Tennessee (Kingsport/Johnson City and Morristown), Southwest Virginia (the Roanoke Valley) and Georgia (Greater Atlanta). The Company operates under a single set of corporate policies and procedures and its operations are considered to be aggregated in one reportable operating segment for financial reporting purposes.
As a result of its merger with Quantum on February 12, 2023, HomeTrust became the 100% successor owner of the Quantum Capital Statutory Trust II Delaware trust. The sole assets of the trust represent the proceeds of offerings loaned in exchange for subordinated debentures with similar terms to the trust preferred securities.
The accompanying unaudited consolidated financial statements have been prepared in accordance with US GAAP for interim financial information and in accordance with the instructions to Form 10-Q and Article 10 of Regulation S-X as promulgated by the SEC. Accordingly, they do not include all the information and footnotes required by US GAAP for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation of the financial position and results of operations for the periods presented have been included. It is recommended that these unaudited interim consolidated financial statements be read in conjunction with the audited consolidated financial statements and notes thereto included in the Company's Annual Report on Form 10-K for the year ended December 31, 2024 ("2024 Form 10-K") filed with the SEC on March 13, 2025. The results of operations for the nine months ended September 30, 2025 are not necessarily indicative of results that may be expected for the fiscal year ending December 31, 2025, the period which will be covered on a Report on Form 10-K.
The preparation of financial statements in conformity with US GAAP requires management to make estimates and assumptions that affect amounts reported in the financial statements. Various elements of the Company's accounting policies, by their nature, are inherently subject to estimation techniques, valuation assumptions and other subjective assessments. In particular, management has identified the determination of the provision and the ACL on loans as an accounting policy that, due to the judgments, estimates and assumptions inherent in the policy, is critical to an understanding of the Company's financial statements. This policy and the related judgments, estimates and assumptions are described in greater detail in the notes to the Consolidated Financial Statements and Management's Discussion and Analysis of Financial Condition and Results of Operations (Critical Accounting Policies and Estimates) in the 2024 Form 10-K. Management believes that the judgments, estimates and assumptions used in the preparation of the financial statements are appropriate based on the factual circumstances at the time. However, given the sensitivity of the financial statements to this critical accounting policy, the use of other judgments, estimates and assumptions could result in material differences in the Company's results of operations or financial condition. Further, subsequent changes in economic or market conditions could have a material impact on these estimates and the Company's financial condition and operating results in future periods.
Reclassifications and corrections. To maintain consistency and comparability, certain amounts from prior periods have been reclassified to conform to current period presentation with no effect on net income or stockholders’ equity as previously reported.
2.    Recent Accounting Pronouncements
Newly Issued but Not Yet Effective Accounting Standards
ASU 2023-09, "Income Taxes (Topic 740): Improvements to Income Tax Disclosures." In December 2023, the FASB issued ASU 2023-09 which requires entities to disclose more detailed information in the reconciliation of their statutory tax rate to their effective tax rate. The ASU also requires entities to disclose more detailed information about income taxes paid, including by jurisdiction. This ASU is effective for public business entities for annual reporting periods beginning after December 15, 2024. The Company will update its income tax disclosures upon adoption of the ASU.
ASU 2024-03, "Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses." In November 2024, the FASB issued ASU 2024-03 which requires entities to disclose more detailed information about certain costs and expenses related to purchases of inventory, employee compensation, depreciation and intangible asset amortization among other items. This ASU is effective for public business entities for annual reporting periods beginning after December 15, 2026 and interim periods beginning after December 15, 2027. The adoption of the provisions of ASU 2024-03 is not expected to have an impact on the Company's financial results, but will impact disclosures.
3.    Branch Sales
On May 23, 2025, the Company completed the sale of the Bank's two branches located in Knoxville, Tennessee, to a third party financial institution. Through the transaction, the Company sold $34.3 million of deposits along with $6.3 million in branch premises and equipment, while HomeTrust retained all loans associated with the branches. The Company recorded a $1.4 million pre-tax gain associated with the transaction.
10

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
4.    Debt Securities
Debt securities available for sale consist of the following at the dates indicated:
September 30, 2025
Amortized
Cost		Gross
Unrealized
Gains		Gross
Unrealized
Losses		Estimated
Fair
Value
MBS, residential$138,349 $1,867 $(971)$139,245 
Municipal bonds1,912 — (24)1,888 
Corporate bonds5,000 — (451)4,549 
Total$145,261 $1,867 $(1,446)$145,682 
December 31, 2024
Amortized
Cost		Gross
Unrealized
Gains		Gross
Unrealized
Losses		Estimated
Fair
Value
MBS, residential$145,748 $887 $(2,488)$144,147 
Municipal bonds3,451 — (55)3,396 
Corporate bonds5,000 — (532)4,468 
Total$154,199 $887 $(3,075)$152,011 
Debt securities available for sale by contractual maturity at September 30, 2025 and December 31, 2024 are shown below. MBS are not included in the maturity categories because the borrowers in the underlying pools may prepay without penalty; therefore, it is unlikely that the securities will pay at their stated maturity schedule.
 September 30, 2025
Amortized
Cost		Estimated
Fair Value
Due within one year$411 $409 
Due after one year through five years1,501 1,479 
Due after five years through ten years5,000 4,549 
Due after ten years— — 
MBS, residential138,349 139,245 
Total$145,261 $145,682 
 December 31, 2024
Amortized
Cost		Estimated
Fair Value
Due within one year$1,522 $1,520 
Due after one year through five years1,929 1,876 
Due after five years through ten years5,000 4,468 
Due after ten years— — 
MBS, residential145,748 144,147 
Total$154,199 $152,011 
The Company had no sales of debt securities available for sale and no gross realized gains or losses were recognized during the nine months ended September 30, 2025 or 2024.
Debt securities available for sale with amortized costs totaling $50,448 and $24,718 and market values of $51,591 and $24,358 at September 30, 2025 and December 31, 2024, respectively, were pledged as collateral to secure various public deposits and other borrowings.

11

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
The gross unrealized losses and the fair value for debt securities available for sale aggregated by the length of time that individual securities have been in a continuous unrealized loss position as of September 30, 2025 and December 31, 2024 were as follows:
September 30, 2025
Less than 12 Months12 Months or MoreTotal
Fair
Value		Unrealized
Losses		Fair
Value		Unrealized
Losses		Fair
Value		Unrealized
Losses
MBS, residential$6,379 $(24)$36,850 $(947)$43,229 $(971)
Municipal bonds— — 1,388 (24)1,388 (24)
Corporate bonds— — 3,799 (451)3,799 (451)
Total$6,379 $(24)$42,037 $(1,422)$48,416 $(1,446)
December 31, 2024
Less than 12 Months12 Months or MoreTotal
Fair
Value		Unrealized
Losses		Fair
Value		Unrealized
Losses		Fair
Value		Unrealized
Losses
MBS, residential$30,995 $(515)$61,515 $(1,973)$92,510 $(2,488)
Municipal bonds— — 3,396 (55)3,396 (55)
Corporate bonds— — 3,718 (532)3,718 (532)
Total$30,995 $(515)$68,629 $(2,560)$99,624 $(3,075)
The total number of securities with unrealized losses at September 30, 2025 and December 31, 2024 were 124 and 168, respectively.
Management evaluates securities for impairment where there has been a decline in fair value below the amortized cost basis of a security to determine whether there is a credit loss associated with the decline in fair value on at least a quarterly basis, and more frequently when economic or market concerns warrant such evaluation. All debt securities available for sale in an unrealized loss position as of September 30, 2025 continue to perform as scheduled and management does not believe that there is a credit loss or that a provision for credit losses is necessary. Also, as part of management's evaluation of its intent and ability to hold investments for a period of time sufficient to allow for any anticipated recovery in the market, management considers its investment strategy, cash flow needs, liquidity position, capital adequacy and interest rate risk position. Management does not currently intend to sell the securities within the portfolio and it is not more-likely-than-not that securities will be required to be sold. See "Note 1 – Summary of Significant Accounting Policies" in our 2024 Form 10-K for further discussion.
Management continues to monitor all of its securities with a high degree of scrutiny. There can be no assurance that management will not conclude in future periods that conditions existing at that time indicate some or all of its securities may be sold or would require a charge to earnings as a provision for credit losses in such periods.
Management excludes the accrued interest receivable balance from the amortized cost basis in measuring ECLs on investment securities and does not record an ACL on accrued interest receivable. As of September 30, 2025 and December 31, 2024, the accrued interest receivable for debt securities available for sale was $515 and $606, respectively.
5.    Loans Held For Sale
Loans held for sale, at the lower of cost or fair value, consist of the following as of the dates indicated:
September 30, 2025December 31, 2024
One-to-four family$— $408 
SBA36,206 22,867 
HELOCs152,841 178,743 
Total loans held for sale, at the lower of cost or fair value$189,047 $202,018 
The carrying balance of loans held for sale, at fair value, was $7,907 and $4,144 at September 30, 2025 and December 31, 2024, respectively, while the amortized cost of these loans was $7,691 and $4,062, respectively, at the same dates.
12

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
6.    Loans and Allowance for Credit Losses on Loans
Loans consist of the following at the dates indicated(1):
September 30, 2025December 31, 2024
Commercial real estate
Construction and land development$268,953 $274,356 
Commercial real estate – owner occupied540,807 545,490 
Commercial real estate – non-owner occupied861,244 866,094 
Multifamily115,403 120,425 
Total commercial real estate1,786,407 1,806,365 
Commercial
Commercial and industrial399,155 316,159 
Equipment finance340,322 406,400 
Municipal leases164,967 165,984 
Total commercial904,444 888,543 
Residential real estate
Construction and land development51,110 53,683 
One-to-four family636,857 630,391 
HELOCs216,122 195,288 
Total residential real estate904,089 879,362 
Consumer48,679 74,029 
Total loans, net of deferred loan fees and costs3,643,619 3,648,299 
Allowance for credit losses - loans(43,086)(45,285)
Loans, net$3,600,533 $3,603,014 
(1)    At September 30, 2025 and December 31, 2024 accrued interest receivable of $16,284 and $17,569, respectively, was accounted for separately from the amortized cost basis.
All qualifying one-to-four family loans, HELOCs, multifamily, commercial real estate loans and FHLB of Atlanta stock are pledged as collateral by a blanket pledge to secure outstanding FHLB advances.
Loans are made to the Company's executive officers, directors and their associates during the ordinary course of business. No balance was outstanding on loans to these related parties as of either September 30, 2025 or December 31, 2024. In relation to these loans, unfunded commitments totaled approximately $3 at both September 30, 2025 and December 31, 2024, respectively.
Loans are monitored for credit quality on a recurring basis and the composition of the loans outstanding by credit quality indicator is provided below. Loan credit quality indicators are developed through review of individual borrowers on an ongoing basis. Generally, loans are monitored for performance on a quarterly basis with the credit quality indicators adjusted as needed. The indicators represent the rating for loans as of the date presented based on the most recent assessment performed. These credit quality indicators are defined as follows:
Pass – A pass rated loan is not adversely classified because it does not display any of the characteristics for adverse classification.
Special Mention – A special mention loan has potential weaknesses that deserve management’s close attention. If left uncorrected, such potential weaknesses may result in deterioration of the repayment prospects or collateral position at some future date. Special mention loans are not adversely classified and do not warrant adverse classification.
Substandard – A substandard loan is inadequately protected by the current net worth and paying capacity of the obligor, or of the collateral pledged, if any. Loans classified as substandard generally have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt. These loans are characterized by the distinct possibility of loss if the deficiencies are not corrected.
Doubtful – A loan classified as doubtful has all the weaknesses inherent in a loan classified substandard with the added characteristic that the weaknesses make collection or liquidation in full highly questionable and improbable, on the basis of currently existing facts, conditions and values.
Loss – Loans classified as loss are considered uncollectible and of such little value that their continuing to be carried as a loan is not warranted. This classification is not necessarily equivalent to no potential for recovery or salvage value, but rather that it is not appropriate to defer a full write-off even though partial recovery may be effected in the future.





13

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
The following table presents the credit risk profile by risk grade for commercial real estate, commercial, residential real estate and consumer loans by origination year as of September 30, 2025. Also included in the table detailing loan balances are gross charge-offs for the nine months ended September 30, 2025.
Term Loans By Origination Fiscal Year
September 30, 202520252024
2023-S(1)
20232022PriorRevolvingTotal
Construction and land development
Risk rating
Pass$99,494 $94,481 $30,833 $9,994 $18,158 $11,806 $4,187 $268,953 
Special mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful
— — — — — — — — 
Loss— — — — — — — — 
Total construction and land development$99,494 $94,481 $30,833 $9,994 $18,158 $11,806 $4,187 $268,953 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Commercial real estate – owner occupied
Risk rating
Pass$48,609 $52,402 $37,856 $62,017 $89,362 $231,555 $4,208 $526,009 
Special mention— — — 170 378 2,459 — 3,007 
Substandard— 264 423 162 4,952 5,325 — 11,126 
Doubtful— — — 410 243 12 — 665 
Loss— — — — — — — — 
Total commercial real estate – owner occupied$48,609 $52,666 $38,279 $62,759 $94,935 $239,351 $4,208 $540,807 
Current period gross charge-offs$— $— $— $— $90 $— $— $90 
Commercial real estate – non-owner occupied
Risk rating
Pass$44,585 $75,893 $12,774 $92,566 $145,726 $459,021 $9,081 $839,646 
Special mention— — — 755 — 9,168 — 9,923 
Substandard— — — 2,591 — 9,084 — 11,675 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total commercial real estate – non-owner occupied$44,585 $75,893 $12,774 $95,912 $145,726 $477,273 $9,081 $861,244 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Multifamily
Risk rating
Pass$9,107 $15,113 $5,480 $5,559 $11,238 $68,443 $14 $114,954 
Special mention— — — — — 280 — 280 
Substandard— — — — — 169 — 169 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total multifamily$9,107 $15,113 $5,480 $5,559 $11,238 $68,892 $14 $115,403 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Total commercial real estate
Risk rating
Pass$201,795 $237,889 $86,943 $170,136 $264,484 $770,825 $17,490 $1,749,562 
Special mention— — — 925 378 11,907 — 13,210 
Substandard— 264 423 2,753 4,952 14,578 — 22,970 
Doubtful— — — 410 243 12 — 665 
Loss— — — — — — — — 
Total commercial real estate$201,795 $238,153 $87,366 $174,224 $270,057 $797,322 $17,490 $1,786,407 
Total current period gross charge-offs$— $— $— $— $90 $— $— $90 
(1)As previously announced, on July 24, 2023, the Board of Directors approved a change in the Company's fiscal year end from June 30 to December 31. "2023-S" represents the six-month transition period ended December 31, 2023. All subsequent periods are based on a calendar year end.

14

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
Term Loans By Origination Fiscal Year
September 30, 202520252024
2023-S(1)
20232022PriorRevolvingTotal
Commercial and industrial
Risk rating
Pass$71,968 $74,420 $36,328 $31,220 $25,758 $22,496 $122,565 $384,755 
Special mention65 47 — 558 380 2,715 2,808 6,573 
Substandard— 1,495 — 252 1,946 3,163 124 6,980 
Doubtful
— — — 121 477 226 23 847 
Loss— — — — — — — — 
Total commercial and industrial$72,033 $75,962 $36,328 $32,151 $28,561 $28,600 $125,520 $399,155 
Current period gross charge-offs$— $50 $338 $241 $930 $3 $— $1,562 
Equipment finance
Risk rating
Pass$50,216 $88,985 $49,500 $85,260 $38,047 $17,916 $— $329,924 
Special mention— 6 298 807 261 253 — 1,625 
Substandard— 755 226 2,924 902 438 — 5,245 
Doubtful— 58 428 1,345 1,351 346 — 3,528 
Loss— — — — — — — — 
Total equipment finance$50,216 $89,804 $50,452 $90,336 $40,561 $18,953 $— $340,322 
Current period gross charge-offs$— $167 $293 $1,370 $2,388 $448 $— $4,666 
Municipal leases
Risk rating
Pass$12,681 $30,883 $16,145 $21,481 $19,561 $64,216 $— $164,967 
Special mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total municipal leases$12,681 $30,883 $16,145 $21,481 $19,561 $64,216 $— $164,967 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Total commercial
Risk rating
Pass$134,865 $194,288 $101,973 $137,961 $83,366 $104,628 $122,565 $879,646 
Special mention65 53 298 1,365 641 2,968 2,808 8,198 
Substandard— 2,250 226 3,176 2,848 3,601 124 12,225 
Doubtful— 58 428 1,466 1,828 572 23 4,375 
Loss— — — — — — — — 
Total commercial$134,930 $196,649 $102,925 $143,968 $88,683 $111,769 $125,520 $904,444 
Total current period gross charge-offs$— $217 $631 $1,611 $3,318 $451 $— $6,228 








15

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
Term Loans By Origination Fiscal Year
September 30, 202520252024
2023-S(1)
20232022PriorRevolvingTotal
Construction and land development
Risk rating
Pass$15,421 $14,079 $2,536 $11,433 $4,919 $2,312 $— $50,700 
Special mention— — — — — — — — 
Substandard— — 410 — — — — 410 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total construction and land development$15,421 $14,079 $2,946 $11,433 $4,919 $2,312 $— $51,110 
Current period gross charge-offs$— $— $— $— $— $133 $— $133 
One-to-four family
Risk rating
Pass$35,855 $39,143 $23,057 $156,288 $141,549 $222,315 $10,131 $628,338 
Special mention— — — — 1,532 304 — 1,836 
Substandard— 663 841 583 654 3,930 — 6,671 
Doubtful— — — — — 12 — 12 
Loss— — — — — — — — 
Total one-to-four family$35,855 $39,806 $23,898 $156,871 $143,735 $226,561 $10,131 $636,857 
Current period gross charge-offs$— $— $— $— $— $50 $— $50 
HELOCs
Risk rating
Pass$— $— $— $— $— $— $208,626 $208,626 
Special mention— — — — — — — — 
Substandard— — — — — — 7,496 7,496 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total HELOCs$— $— $— $— $— $— $216,122 $216,122 
Current period gross charge-offs$— $— $— $— $— $— $6 $6 
Total residential real estate
Risk rating
Pass$51,276 $53,222 $25,593 $167,721 $146,468 $224,627 $218,757 $887,664 
Special mention— — — — 1,532 304 — 1,836 
Substandard— 663 1,251 583 654 3,930 7,496 14,577 
Doubtful— — — — — 12 — 12 
Loss— — — — — — — — 
Total residential real estate$51,276 $53,885 $26,844 $168,304 $148,654 $228,873 $226,253 $904,089 
Total current period gross charge-offs$— $— $— $— $— $183 $6 $189 
Term Loans By Origination Fiscal Year
September 30, 202520252024
2023-S(1)
20232022PriorRevolvingTotal
Total consumer
Risk rating
Pass$1,348 $3,047 $12,496 $21,553 $5,339 $3,428 $231 $47,442 
Special mention— — — — — — — — 
Substandard14 25 143 677 123 234 21 1,237 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total consumer$1,362 $3,072 $12,639 $22,230 $5,462 $3,662 $252 $48,679 
Total current period gross charge-offs$1 $38 $109 $235 $60 $76 $— $519 







16

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
The following table presents the credit risk profile by risk grade for commercial real estate, commercial, residential real estate and consumer loans by origination year as of December 31, 2024. Also included in the table detailing loan balances are gross charge-offs for the year ended December 31, 2024.
Term Loans By Origination Fiscal Year
December 31, 20242024
2023-S(1)
202320222021PriorRevolvingTotal
Construction and land development
Risk rating
Pass$121,992 $42,548 $47,045 $43,534 $9,705 $6,501 $3,031 $274,356 
Special mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful
— — — — — — — — 
Loss— — — — — — — — 
Total construction and land development$121,992 $42,548 $47,045 $43,534 $9,705 $6,501 $3,031 $274,356 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Commercial real estate – owner occupied
Risk rating
Pass$54,032 $35,808 $64,558 $100,827 $78,902 $193,446 $5,131 $532,704 
Special mention— — 168 136 439 2,203 — 2,946 
Substandard— 273 683 1,337 465 6,531 — 9,289 
Doubtful— — — 526 — 25 — 551 
Loss— — — — — — — — 
Total commercial real estate – owner occupied$54,032 $36,081 $65,409 $102,826 $79,806 $202,205 $5,131 $545,490 
Current period gross charge-offs$— $— $77 $72 $— $208 $— $357 
Commercial real estate – non-owner occupied
Risk rating
Pass$71,321 $13,255 $97,479 $142,325 $173,674 $323,707 $9,482 $831,243 
Special mention— — 3,665 3,813 — 14,897 — 22,375 
Substandard— — 2,591 — — 9,885 — 12,476 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total commercial real estate – non-owner occupied$71,321 $13,255 $103,735 $146,138 $173,674 $348,489 $9,482 $866,094 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Multifamily
Risk rating
Pass$15,098 $5,501 $6,560 $19,010 $48,866 $25,071 $— $120,106 
Special mention— — — — — 87 — 87 
Substandard— — — — — 232 — 232 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total multifamily$15,098 $5,501 $6,560 $19,010 $48,866 $25,390 $— $120,425 
Current period gross charge-offs$— $— $— $— $— $10 $— $10 
Total commercial real estate
Risk rating
Pass$262,443 $97,112 $215,642 $305,696 $311,147 $548,725 $17,644 $1,758,409 
Special mention— — 3,833 3,949 439 17,187 — 25,408 
Substandard— 273 3,274 1,337 465 16,648 — 21,997 
Doubtful— — — 526 — 25 — 551 
Loss— — — — — — — — 
Total commercial real estate$262,443 $97,385 $222,749 $311,508 $312,051 $582,585 $17,644 $1,806,365 
Total current period gross charge-offs$— $— $77 $72 $— $218 $— $367 
(1)As previously announced, on July 24, 2023, the Board of Directors approved a change in the Company's fiscal year end from June 30 to December 31. "2023-S" represents the six-month transition period ended December 31, 2023. All subsequent periods are based on a calendar year end.
17

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
Term Loans By Origination Fiscal Year
December 31, 20242024
2023-S(1)
202320222021PriorRevolvingTotal
Commercial and industrial
Risk rating
Pass$81,746 $27,568 $41,728 $34,692 $10,773 $21,995 $89,095 $307,597 
Special mention— — 129 380 82 2,925 145 3,661 
Substandard— 279 794 1,570 509 1,046 124 4,322 
Doubtful
— — 116 — — 440 23 579 
Loss— — — — — — — — 
Total commercial and industrial$81,746 $27,847 $42,767 $36,642 $11,364 $26,406 $89,387 $316,159 
Current period gross charge-offs$— $— $1,783 $704 $52 $1,089 $21 $3,649 
Equipment finance
Risk rating
Pass$106,904 $62,236 $121,131 $67,636 $29,043 $10,342 $— $397,292 
Special mention— 78 467 586 293 197 — 1,621 
Substandard— — — 2,919 — — — 2,919 
Doubtful— 430 1,967 1,520 487 108 — 4,512 
Loss— — — — — 56 — 56 
Total equipment finance$106,904 $62,744 $123,565 $72,661 $29,823 $10,703 $— $406,400 
Current period gross charge-offs$106 $177 $2,366 $3,435 $549 $379 $— $7,012 
Municipal leases
Risk rating
Pass$28,903 $18,181 $24,404 $22,402 $24,376 $47,718 $— $165,984 
Special mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total municipal leases$28,903 $18,181 $24,404 $22,402 $24,376 $47,718 $— $165,984 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Total commercial
Risk rating
Pass$217,553 $107,985 $187,263 $124,730 $64,192 $80,055 $89,095 $870,873 
Special mention— 78 596 966 375 3,122 145 5,282 
Substandard— 279 794 4,489 509 1,046 124 7,241 
Doubtful— 430 2,083 1,520 487 548 23 5,091 
Loss— — — — — 56 — 56 
Total commercial$217,553 $108,772 $190,736 $131,705 $65,563 $84,827 $89,387 $888,543 
Total current period gross charge-offs$106 $177 $4,149 $4,139 $601 $1,468 $21 $10,661 








18

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
Term Loans By Origination Fiscal Year
December 31, 20242024
2023-S(1)
202320222021PriorRevolvingTotal
Construction and land development
Risk rating
Pass$13,559 $7,200 $21,370 $8,217 $2,694 $510 $— $53,550 
Special mention— — — — — — — — 
Substandard— — — — — 133 — 133 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total construction and land development$13,559 $7,200 $21,370 $8,217 $2,694 $643 $— $53,683 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
One-to-four family
Risk rating
Pass$39,669 $23,510 $153,504 $148,777 $96,103 $152,940 $8,840 $623,343 
Special mention— — — — — 332 — 332 
Substandard407 747 591 667 — 4,244 45 6,701 
Doubtful— — — — — 15 — 15 
Loss— — — — — — — — 
Total one-to-four family$40,076 $24,257 $154,095 $149,444 $96,103 $157,531 $8,885 $630,391 
Current period gross charge-offs$— $— $— $— $— $3 $— $3 
HELOCs
Risk rating
Pass$— $— $— $— $— $— $190,573 $190,573 
Special mention— — — — — — — — 
Substandard— — — — — — 4,715 4,715 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total HELOCs$— $— $— $— $— $— $195,288 $195,288 
Current period gross charge-offs$— $— $— $— $— $— $30 $30 
Total residential real estate
Risk rating
Pass$53,228 $30,710 $174,874 $156,994 $98,797 $153,450 $199,413 $867,466 
Special mention— — — — — 332 — 332 
Substandard407 747 591 667 — 4,377 4,760 11,549 
Doubtful— — — — — 15 — 15 
Loss— — — — — — — — 
Total residential real estate$53,635 $31,457 $175,465 $157,661 $98,797 $158,174 $204,173 $879,362 
Total current period gross charge-offs$— $— $— $— $— $3 $30 $33 
Term Loans By Origination Fiscal Year
December 31, 20242024
2023-S(1)
202320222021PriorRevolvingTotal
Total consumer
Risk rating
Pass$4,873 $18,123 $32,889 $8,597 $5,186 $2,944 $255 $72,867 
Special mention— — — — — — — — 
Substandard54 97 595 83 178 131 18 1,156 
Doubtful— — 4 — 2 — — 6 
Loss— — — — — — — — 
Total consumer$4,927 $18,220 $33,488 $8,680 $5,366 $3,075 $273 $74,029 
Total current period gross charge-offs$39 $173 $510 $255 $95 $57 $22 $1,151 






19

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
The following tables present aging analyses of past due loans (including nonaccrual loans) by segment and class as of the dates indicated. For loans with monthly payments, a loan is considered past due when the loan is in arrears two or more payments.
Past DueTotal Loans
30-89 Days90 Days+TotalCurrent
September 30, 2025
Commercial real estate
Construction and land development$— $— $— $268,953 $268,953 
Commercial real estate – owner occupied1,411 4,277 5,688 535,119 540,807 
Commercial real estate – non-owner occupied2,982 3,554 6,536 854,708 861,244 
Multifamily— — — 115,403 115,403 
Total commercial real estate4,393 7,831 12,224 1,774,183 1,786,407 
Commercial
Commercial and industrial3,024 2,969 5,993 393,162 399,155 
Equipment finance4,244 3,594 7,838 332,484 340,322 
Municipal leases— — — 164,967 164,967 
Total commercial7,268 6,563 13,831 890,613 904,444 
Residential real estate
Construction and land development— — — 51,110 51,110 
One-to-four family3,498 1,896 5,394 631,463 636,857 
HELOCs2,268 3,237 5,505 210,617 216,122 
Total residential real estate5,766 5,133 10,899 893,190 904,089 
Consumer348 216 564 48,115 48,679 
Total loans$17,775 $19,743 $37,518 $3,606,101 $3,643,619 
Past DueTotal Loans
30-89 Days90 Days+TotalCurrent
December 31, 2024
Commercial real estate
Construction and land development$— $— $— $274,356 $274,356 
Commercial real estate – owner occupied654 1,432 2,086 543,404 545,490 
Commercial real estate – non-owner occupied— 959 959 865,135 866,094 
Multifamily— — — 120,425 120,425 
Total commercial real estate654 2,391 3,045 1,803,320 1,806,365 
Commercial
Commercial and industrial1,160 3,056 4,216 311,943 316,159 
Equipment finance4,714 4,140 8,854 397,546 406,400 
Municipal leases— — — 165,984 165,984 
Total commercial5,874 7,196 13,070 875,473 888,543 
Residential real estate
Construction and land development419 132 551 53,132 53,683 
One-to-four family3,429 1,633 5,062 625,329 630,391 
HELOCs1,935 2,754 4,689 190,599 195,288 
Total residential real estate5,783 4,519 10,302 869,060 879,362 
Consumer391 260 651 73,378 74,029 
Total loans$12,702 $14,366 $27,068 $3,621,231 $3,648,299 
On September 26, 2024, Hurricane Helene made landfall causing significant property damage across certain parts of the Company's market areas, particularly in Western North Carolina. In an effort to assist customers in their post-Hurricane Helene recovery and clean-up efforts, in the fourth quarter of the year ended December 31, 2024 we granted payment deferrals of up to six months to provide short-term relief to impacted customers. The outstanding balance of these deferrals was $318,000 and $136.0 million at September 30, 2025 and December 31, 2024, respectively.



20

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
The following table presents the recorded investment in loans on nonaccrual status, by segment and class, including restructured loans. It also includes interest income recognized on nonaccrual loans for the nine months ended September 30, 2025.
September 30, 2025
December 31, 2024
90 Days+ &
Still Accruing as of September 30, 2025
Nonaccrual with No ACL as of September 30, 2025
Interest Income Recognized
Commercial real estate
Commercial real estate – owner occupied$7,189 $8,471 $— $2,894 $438 
Commercial real estate – non-owner occupied4,710 3,551 — 3,748 270 
Multifamily— 47 — — 1 
Total commercial real estate11,899 12,069 — 6,642 709 
Commercial
Commercial and industrial6,105 3,487 — 239 126 
Equipment finance5,597 4,666 — 772 177 
Total commercial11,702 8,153 — 1,011 303 
Residential real estate
Construction and land development410 132 — — 21 
One-to-four family2,336 2,916 — — 77 
HELOCs5,860 3,990 — — 54 
Total residential real estate8,606 7,038 — — 152 
Consumer370 407 — — 23 
Total loans$32,577 $27,667 $— $7,653 $1,187 
The following tables present analyses of the ACL on loans by segment for the periods indicated below. In addition to the provision (benefit) for credit losses on loans presented below, provisions of $260 and $918 for off-balance sheet credit exposures were recorded for the three and nine months ended September 30, 2025, respectively, while no provision for commercial paper was recorded for either period. Benefits of $15 and $35 for off-balance sheet credit exposures were recorded for the three and nine months ended September 30, 2024, respectively, while no provision for commercial paper was recorded for either period.
Three Months Ended September 30, 2025
Commercial Real EstateCommercialResidential Real EstateConsumerTotal
Balance at beginning of period$19,045 $15,569 $8,722 $803 $44,139 
Provision (benefit) for credit losses(56)2,370 (284)(275)1,755 
Charge-offs(90)(2,842)(1)(153)(3,086)
Recoveries— 138 91 49 278 
Net (charge-offs) recoveries(90)(2,704)90 (104)(2,808)
Balance at end of period$18,899 $15,235 $8,528 $424 $43,086 
Three Months Ended September 30, 2024
Commercial Real EstateCommercialResidential Real EstateConsumerTotal
Balance at beginning of period$20,539 $18,115 $9,103 $1,466 $49,223 
Provision for credit losses134 2,061 714 81 2,990 
Charge-offs(87)(3,987)— (370)(4,444)
Recoveries24 255 9 74 362 
Net (charge-offs) recoveries(63)(3,732)9 (296)(4,082)
Balance at end of period$20,610 $16,444 $9,826 $1,251 $48,131 
Nine Months Ended September 30, 2025
Commercial Real EstateCommercialResidential Real EstateConsumerTotal
Balance at beginning of period$19,284 $15,267 $9,664 $1,070 $45,285 
Provision (benefit) for credit losses(333)5,645 (1,057)(315)3,940 
Charge-offs(90)(6,228)(189)(519)(7,026)
Recoveries38 551 110 188 887 
Net (charge-offs) recoveries(52)(5,677)(79)(331)(6,139)
Balance at end of period$18,899 $15,235 $8,528 $424 $43,086 
21

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
Nine Months Ended September 30, 2024
Commercial Real EstateCommercialResidential Real EstateConsumerTotal
Balance at beginning of period$20,323 $17,025 $9,285 $2,008 $48,641 
Provision for credit losses558 7,381 442 54 8,435 
Charge-offs(295)(8,795)(60)(1,021)(10,171)
Recoveries24 833 159 210 1,226 
Net (charge-offs) recoveries(271)(7,962)99 (811)(8,945)
Balance at end of period$20,610 $16,444 $9,826 $1,251 $48,131 
A loan is considered to be collateral dependent when the borrower is experiencing financial difficulty and the repayment is expected to be provided substantially through the operation or sale of collateral. The following tables provide a breakdown between loans identified as CDAs and non-CDAs, by segment and class, as well as collateral coverage for those loans as of the dates indicated below:
Type and Extent of Collateral Securing CDAsNon-CDAs
September 30, 2025Residential PropertyInvestment PropertyCommercial PropertyBusiness AssetsTotal
Commercial real estate
Construction and land development$— $— $— $— $268,953 $268,953 
Commercial real estate – owner occupied— — 3,548 — 537,259 540,807 
Commercial real estate – non-owner occupied— — 4,710 — 856,534 861,244 
Multifamily— — — — 115,403 115,403 
Total commercial real estate— — 8,258 — 1,778,149 1,786,407 
Commercial
Commercial and industrial— — — 969 398,186 399,155 
Equipment finance— — — 1,932 338,390 340,322 
Municipal leases— — — — 164,967 164,967 
Total commercial— — — 2,901 901,543 904,444 
Residential real estate
Construction and land development— — — — 51,110 51,110 
One-to-four family— — — — 636,857 636,857 
HELOCs— — — — 216,122 216,122 
Total residential real estate— — — — 904,089 904,089 
Consumer— — — — 48,679 48,679 
Total$— $— $8,258 $2,901 $3,632,460 $3,643,619 
Total collateral value$— $— $9,860 $1,617 
22

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
Type and Extent of Collateral Securing CDAsNon-CDAs
December 31, 2024Residential PropertyInvestment PropertyCommercial PropertyBusiness AssetsTotal
Commercial real estate
Construction and land development$— $— $— $— $274,356 $274,356 
Commercial real estate – owner occupied— — 6,376 — 539,114 545,490 
Commercial real estate – non-owner occupied— — 3,820 — 862,274 866,094 
Multifamily— — — — 120,425 120,425 
Total commercial real estate— — 10,196 — 1,796,169 1,806,365 
Commercial
Commercial and industrial— — — 585 315,574 316,159 
Equipment finance— — — 717 405,683 406,400 
Municipal leases— — — — 165,984 165,984 
Total commercial— — — 1,302 887,241 888,543 
Residential real estate
Construction and land development— — — — 53,683 53,683 
One-to-four family— — — — 630,391 630,391 
HELOCs— — — — 195,288 195,288 
Total residential real estate— — — — 879,362 879,362 
Consumer— — — — 74,029 74,029 
Total$— $— $10,196 $1,302 $3,636,801 $3,648,299 
Total collateral value$— $— $13,938 $748 
Modifications to Borrowers Experiencing Financial Difficulty
The Company modifies loans to borrowers experiencing financial difficulty by providing principal forgiveness, a term extension, an other-than-insignificant payment delay or interest rate adjustments. In some cases, the Company provides multiple types of modifications on one loan. Typically, one type of modification, such as a term extension, is granted initially. If the borrower continues to experience financial difficulty, another modification, such as principal forgiveness, may be granted. For loans included in the combination columns in the table below, multiple types of modifications have been made on the same loan within the current reporting period.
The following tables present the amortized cost basis of loans that were both experiencing financial difficulty and modified during the periods indicated, by class and type of modification. The percentage of the amortized cost basis of loans that were modified to borrowers in financial difficulty as compared to the amortized cost basis of each class of financing receivable is also presented. The Hurricane Helene-related deferrals previously referenced did not meet this definition and, therefore, were not included.
Three Months Ended September 30, 2025
Principal ForgivenessPayment DelayTerm ExtensionInterest Rate AdjustmentCombination Term Extension & Principal ForgivenessCombination Term Extension & Interest Rate Reduction% of Total Class of Financing Receivable
Commercial real estate
Commercial real estate – owner occupied$— $293 $— $— $— $— 0.05 %
Commercial loans— 
Commercial and industrial— 453 824 — — — 0.32 
Total$— $746 $824 $— $— $— 0.04 %
Three Months Ended September 30, 2024
Principal ForgivenessPayment DelayTerm ExtensionInterest Rate AdjustmentCombination Term Extension & Principal ForgivenessCombination Term Extension & Interest Rate Reduction% of Total Class of Financing Receivable
Commercial real estate
Commercial real estate – owner occupied$— $675 $— $161 $— $— 0.15 %

23

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
Nine Months Ended September 30, 2025
Principal ForgivenessPayment DelayTerm ExtensionInterest Rate AdjustmentCombination Term Extension & Principal ForgivenessCombination Term Extension & Interest Rate Reduction% of Total Class of Financing Receivable
Commercial real estate
Commercial real estate – owner occupied$— $1,067 $— $— $— $— 0.20 %
Commercial real estate – non-owner occupied— 755 350 — — — 0.13 
Commercial loans
Commercial and industrial— 3,308 1,243 115 — — 1.17 
Residential real estate loans
One-to-four family— — 50 — — — 0.01 
Total$— $5,130 $1,643 $115 $— $— 0.19 %
Nine Months Ended September 30, 2024
Principal ForgivenessPayment DelayTerm ExtensionInterest Rate AdjustmentCombination Term Extension & Principal ForgivenessCombination Term Extension & Interest Rate Reduction% of Total Class of Financing Receivable
Commercial real estate
Commercial real estate – owner occupied$— $675 $— $161 $— $— 0.15 %
Commercial real estate – non-owner occupied— 956 — — — — 0.11 
Commercial loans
Commercial and industrial— 2,137 630 147 — — 1.02 
Total$— $3,768 $630 $308 $— $— 0.10 %
The following tables present the financial effect of the loan modifications presented above to borrowers experiencing financial difficulty for the period indicated below:
Three Months Ended September 30, 2025
Principal ForgivenessWeighted-Average Interest Rate ReductionWeighted-Average Term Extension (Years)
Commercial loans
Commercial and industrial$— — %10
Nine Months Ended September 30, 2025
Principal ForgivenessWeighted-Average Interest Rate ReductionWeighted-Average Term Extension (Years)
Commercial real estate
Commercial real estate – non-owner occupied$— — %6
Commercial loans
Commercial and industrial— 7.0 10
Residential real estate loans
One-to-four family— — 11
Total$— 7.0 %9
24

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
The following tables present loans that had a payment default during the period indicated that had previously been modified within the prior twelve months. For purposes of this table, a loan is considered to be in default when it becomes 30 days contractually past due under the modified terms.
Three Months Ended September 30, 2025
Principal ForgivenessPayment DelayTerm ExtensionInterest Rate Adjustment
Commercial loans
Commercial and industrial$— $1,928 $— $— 
Residential real estate loans
One-to-four family— — 50 — 
Total$— $1,928 $50 $— 
Three Months Ended September 30, 2024
Principal ForgivenessPayment DelayTerm ExtensionInterest Rate Adjustment
Commercial real estate
Commercial real estate – non-owner occupied$— $305 $— $— 
Commercial loans
Commercial and industrial— 637 — — 
Total$— $942 $— $— 
Nine Months Ended September 30, 2025
Principal ForgivenessPayment DelayTerm ExtensionInterest Rate Adjustment
Commercial real estate
Commercial real estate – owner occupied$— $675 $— $161 
Commercial loans
Commercial and industrial— 1,928 132 — 
Equipment finance— — — 115 
Residential real estate loans
One-to-four family— — 50 — 
Total$— $2,603 $182 $276 
Nine Months Ended September 30, 2024
Principal ForgivenessPayment DelayTerm ExtensionInterest Rate Adjustment
Commercial real estate
Commercial real estate – owner occupied$— $1,261 $— $— 
Commercial loans
Commercial and industrial— 637 — — 
Total$— $1,898 $— $— 
Off-Balance Sheet Credit Exposure
The Company maintains a separate reserve for credit losses on off-balance sheet credit exposures, including unfunded loan commitments, which is included in other liabilities on the consolidated balance sheet. The reserve for credit losses on off-balance sheet credit exposures is adjusted as a provision for credit losses in the consolidated statement of income. The estimate includes consideration of the likelihood that funding will occur and an estimate of ECLs on commitments expected to be funded over its estimated life, utilizing the same models and approaches for the Company's other loan portfolio segments described above, as these unfunded commitments share similar risk characteristics as its loan portfolio segments. The Company has identified the unfunded portion of certain lines of credit as unconditionally cancellable credit exposures, meaning the Company can cancel the unfunded commitment at any time. No credit loss estimate is reported for off-balance sheet credit exposures that are unconditionally cancellable by the Company or for undrawn amounts under such arrangements that may be drawn prior to the cancellation of the arrangement. At September 30, 2025 and December 31, 2024, the ACL on off-balance sheet credit exposures included in other liabilities was $3,590 and $2,672, respectively.
25

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
7. Premises and Equipment
Premises and equipment as of the dates indicated consist of the following:
September 30, 2025
December 31, 2024
Land$23,378 $25,818 
Office buildings69,081 75,450 
Furniture, fixtures and equipment20,518 19,880 
Total112,977 121,148 
Less: accumulated depreciation(50,540)(51,276)
Premises and equipment, net$62,437 $69,872 
As noted in "Note 3 – Branch Sales", the majority of the changes between periods can be traced to the sale of $6,310 of premises and equipment associated with our two Knoxville, Tennessee branches during the nine months ended September 30, 2025. The assets were sold at their carrying balance so no gain or loss was recognized on the sale.
The carrying balance of premises and equipment held for sale, at the lower of cost or fair value, was $616 at both September 30, 2025 and December 31, 2024.
Depreciation expense associated with premises and equipment was $2,933 and $2,817 for the nine months ended September 30, 2025 and 2024, respectively.
8. Deposit Accounts
Deposit accounts at the dates indicated consist of the following:
September 30, 2025
December 31, 2024
Noninterest-bearing accounts$689,352 $680,926 
NOW accounts537,954 575,238 
Money market accounts1,343,008 1,341,995 
Savings accounts172,883 181,317 
Certificates of deposit955,030 999,727 
Total$3,698,227 $3,779,203 
Deposits received from executive officers, directors and their associates totaled approximately $1,095 and $1,223 at September 30, 2025 and December 31, 2024, respectively.
As of September 30, 2025, scheduled maturities of certificates of deposit were as follows:
Remainder of 2025$343,072 
2026596,301 
202712,083 
20282,161 
2029589 
Thereafter824 
Total$955,030 
Certificates of deposit with balances of $250 or greater totaled $190,103 and $168,089 at September 30, 2025 and December 31, 2024, respectively. Generally, deposit amounts in excess of $250 are not federally insured.
9. Borrowings
Junior Subordinated Debentures
On February 21, 2007, Quantum formed a Connecticut statutory trust, Quantum Capital Statutory Trust II (the "Trust"), which issued $11,000 of trust preferred securities that were designed to qualify as Tier I capital under Federal Reserve Board guidelines. All of the common securities of the Trust were owned by Quantum. The proceeds from the issuance of the common securities and the trust preferred securities were used by the Trust to purchase $11,341 of junior subordinated debentures of Quantum. As a result of its merger with Quantum on February 12, 2023, HomeTrust became the 100% successor owner of the Trust.
The trust preferred securities accrue and pay quarterly distributions at a floating rate of 3-month Term SOFR plus 2.20%, which was 6.18% at September 30, 2025. The Company has guaranteed distributions and other payments due on the trust preferred securities to the extent the Trust has insufficient funds with which to make the distributions and other payments. The net combined effect of all documents entered into in connection with the trust preferred securities is that the Company is liable to make the distributions and other payments required on the trust preferred securities.
The trust preferred securities are mandatorily redeemable upon maturity of the debentures on March 15, 2037, or upon earlier redemption as provided in the indenture. The debentures purchased by the Trust have been redeemable, in whole or in part, since March 15, 2012. As specified in the indenture, if the debentures are redeemed prior to maturity, the redemption price will be the principal amount and any accrued but unpaid interest.
26

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
Other Borrowings
Borrowings, outside of junior subordinated debt, consist of the following at the dates indicated:
September 30, 2025December 31, 2024
BalanceWeighted
Average Rate		BalanceWeighted
Average Rate
FHLB advances (short-term)$15,000 4.33 %$— — %
FRB advances (short-term)215,000 4.25 188,000 4.50 
Total other borrowings$230,000 4.26 %$188,000 4.50 %
All qualifying one-to-four family loans, HELOCs, commercial real estate loans, multifamily loans and FHLB of Atlanta stock are pledged as collateral to secure outstanding FHLB advances while commercial construction loans, indirect auto loans, and equipment and municipal leases are pledged as collateral to secure outstanding FRB advances. At September 30, 2025 and December 31, 2024, the Company had the ability to borrow $363,814 and $315,468, respectively, through additional FHLB advances and $18,664 and $106,592, respectively, through the unused portion of a line of credit with the FRB.
At both September 30, 2025 and December 31, 2024, the Company maintained revolving lines of credit with three unaffiliated banks which totaled $165,000, all of which was unused.
10. Leases
As Lessee - Operating Leases
The Company's operating leases primarily include office space and bank branches. Certain leases include one or more options to renew, with renewal terms that can extend the lease term up to 15 additional years. The exercise of lease renewal options is at management's sole discretion. When it is reasonably certain that the Company will exercise our option to renew or extend the lease term, that option is included in estimating the value of the ROU and lease liability. The Company's lease agreements do not contain any material residual value guarantees or material restrictive covenants. Most of the Company's lease agreements include periodic rate adjustments for inflation. The depreciable life of ROU assets and leasehold improvements are limited to the shorter of the useful life or the expected lease term. Leases with an initial term of 12 months or less are not recorded on the Company's Consolidated Balance Sheet. The Company recognizes lease expenses for these leases over the lease term.
The following tables present supplemental balance sheet information related to operating leases. ROU assets are included in other assets and lease liabilities are included in other liabilities.
September 30, 2025December 31, 2024
Supplemental balance sheet information
ROU assets$7,949 $8,072 
Lease liabilities$9,434 $9,557 
Weighted-average remaining lease terms (years)7.78.2
Weighted-average discount rate3.63 %3.48 %
The following schedule summarizes aggregate future minimum lease payments under these operating leases at September 30, 2025:
Remainder of 2025$470 
20261,900 
20271,925 
20281,738 
2029970 
Thereafter3,906 
Total undiscounted minimum lease payments10,909 
Less: amount representing interest(1,475)
Total lease liability$9,434 
The following table presents components of operating lease expense for the periods indicated:
Three Months Ended September 30,Nine Months Ended September 30,
2025202420252024
Operating lease cost (included in occupancy expense, net)$399 $407 $1,192 $1,221 
Variable lease cost (included in occupancy expense, net)— 1 2 4 
Sublease income (included in other noninterest income)(47)(43)(136)(128)
Total operating lease expense, net$352 $365 $1,058 $1,097 
27

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
The following table presents supplemental operating lease cash flow information for the periods indicated:
Nine Months Ended September 30,
2025
2024
ROU assets - noncash additions$776 $— 
Cash paid for amounts included in the measurement of lease liabilities1,143 1,140 
As Lessor - General
The Company leases equipment to commercial end users under operating and finance lease arrangements. The Company's equipment finance leases consist mainly of construction, transportation, healthcare and manufacturing equipment. Many of its operating and finance leases offer the lessee the option to purchase the equipment at fair value or for a fixed purchase option, and most of the leases that do not have a purchase option include renewal provisions resulting in some leases continuing beyond initial contractual terms. The Company's leases do not include early termination options, and continued rent payments are due if leased equipment is not returned at the end of the lease.
As Lessor - Operating Leases
Operating lease income is recognized as a component of noninterest income on a straight-line basis over the lease term. Lease terms range from one to seven years. Assets related to operating leases are included in other assets and the corresponding depreciation expense is recorded on a straight-line basis as a component of other noninterest expense. The net book value of leased assets totaled $27,248 and $31,572 with a residual value of $13,418 and $13,662 as of September 30, 2025 and December 31, 2024, respectively.
The following schedule summarizes aggregate future minimum lease payments to be received at September 30, 2025:
Remainder of 2025$1,952 
20266,612 
20273,557 
20283,199 
20292,704 
Thereafter1,363 
Total of future minimum payments$19,387 
As Lessor - Financing Leases
Finance lease income is recognized as a component of loan interest income over the lease term. The finance leases are included as a component of the equipment finance class of financing receivables under the commercial loan segment of the loan portfolio. For the three months ended September 30, 2025 and 2024, interest income on equipment finance leases totaled $1,377 and $1,181, respectively. For the nine months ended September 30, 2025 and 2024, interest income on equipment finance leases totaled $3,879 and $3,348, respectively.
The lease receivable component of finance lease net investment included within the equipment finance class of financing receivables was $78,167 and $70,420 at September 30, 2025 and December 31, 2024, respectively.
The following schedule summarizes, as of September 30, 2025, aggregate future minimum finance lease payments to be received:
Remainder of 2025$8,082 
202626,553 
202722,338 
202815,851 
202910,103 
Thereafter7,910 
Total undiscounted minimum lease payments90,837 
Less: amount representing interest(12,670)
Total lease receivable$78,167 
11.    Equity Incentive Plan
The Company historically provided stock-based awards through the 2013 Omnibus Incentive Plan, which provided for awards of restricted stock, restricted stock units, stock options, stock appreciation rights and cash awards to directors, directors emeritus, officers, employees and advisory directors. On November 14, 2022, at the Company's annual meeting, stockholders approved the 2022 Omnibus Incentive Plan which provides for the same types of awards as described under the 2013 Omnibus Incentive Plan. Going forward, any future grants will be made under this plan.
The cost of equity-based awards under the 2022 Omnibus Incentive Plan generally is based on the fair value of the awards on their grant date. The maximum number of shares that may be utilized for awards under the plan is 1,000,000. Shares of common stock issued under the plan will be issued out of authorized but unissued shares, some or all of which may be repurchased shares.
28

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
The table below presents share-based compensation expense and the estimated related tax benefit for stock options and restricted stock for the periods indicated:
Three Months Ended September 30,Nine Months Ended September 30,
2025202420252024
Share-based compensation expense$593 $541 $1,579 $1,363 
Tax benefit140 128 373 323 
The table below presents stock option activity and related information for the nine months ended September 30, 2025 and 2024:
OptionsWeighted-Average Exercise PriceRemaining Contractual Life
(Years)		Aggregate
Intrinsic
Value
Options outstanding at December 31, 2023534,350 $25.85 4.6$776 
Exercised(82,113)24.65 
Forfeited(23,600)25.94 
Options outstanding at September 30, 2024428,637 $26.07 4.0$3,433 
Exercisable at September 30, 2024379,667 $25.85 3.7$3,124 
Non-vested at September 30, 202448,970 $27.77 6.9$309 
Options outstanding at December 31, 2024413,637 $26.02 3.8$3,169 
Exercised(33,900)24.94 
Forfeited(1,400)26.72 
Options outstanding at September 30, 2025378,337 $26.11 3.0$5,610 
Exercisable at September 30, 2025352,957 $25.95 2.7$5,291 
Non-vested at September 30, 202525,380 $28.37 6.1$319 
There were no options granted during the nine months ended September 30, 2025 or 2024.
At September 30, 2025, the Company had $125 of unrecognized compensation expense related to 25,380 stock options originally scheduled to vest over a five-year period. The weighted average period over which compensation cost related to non-vested awards is expected to be recognized was 0.7 years at September 30, 2025. At September 30, 2024, the Company had $261 of unrecognized compensation expense related to 48,970 stock options originally scheduled to vest over a five-year period. The weighted average period over which compensation cost related to non-vested awards is expected to be recognized was 1.1 years at September 30, 2024.
The table below presents restricted stock award activity and related information:
Restricted
Stock Awards(1)
Performance-Based Restricted
Stock Units(2)
Weighted-
Average Grant
Date Fair Value		Aggregate
Intrinsic
Value
Non-vested at December 31, 2023106,143 25,001 $27.70 $3,530 
Granted73,502 17,690 26.96 
Vested(36,639)(10,683)28.26 
Forfeited(2,211)(501)27.36 
Non-vested at September 30, 2024140,795 31,507 $27.16 $5,872 
Non-vested at December 31, 2024138,582 30,001 $27.15 $5,678 
Granted60,329 15,444 37.40 
Vested(50,326)(9,996)27.24 
Forfeited(3,621)(4,108)27.19 
Non-vested at September 30, 2025144,964 31,341 $31.52 $7,128 
(1)Restricted stock awards are scheduled to vest over 1.0 year for director awards and 5.0 years for employee awards.
(2)Performance-based restricted stock units are scheduled to vest over 3.0 years assuming the applicable financial goals are met.
At September 30, 2025, unrecognized compensation expense was $4,341 related to 176,305 shares of restricted stock. The weighted average period over which compensation cost related to non-vested awards is expected to be recognized was 1.7 years at September 30, 2025. At September 30, 2024, unrecognized compensation expense was $3,523 related to 172,302 shares of restricted stock. The weighted average period over which compensation cost related to non-vested awards is expected to be recognized was 1.7 years at September 30, 2024.
29

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
12. Net Income per Share
The following is a reconciliation of the numerator and denominator of basic and diluted net income per common share for the periods indicated:
Three Months Ended September 30,Nine Months Ended September 30,
2025202420252024
Numerator
Net income$16,491 $13,112 $48,240 $40,597 
Allocation of earnings to participating securities(169)(132)(495)(410)
Numerator for basic and diluted EPS - net income available to common stockholders$16,322 $12,980 $47,745 $40,187 
Denominator    
Weighted-average common shares outstanding - basic16,998,549 16,931,793 17,005,206 16,891,619 
Dilutive effect of assumed exercise of stock options131,481 96,031 112,399 46,709 
Weighted-average common shares outstanding - diluted17,130,030 17,027,824 17,117,605 16,938,328 
Net income per share - basic$0.96 $0.77 $2.81 $2.38 
Net income per share - diluted$0.95 $0.76 $2.79 $2.37 
Potential dilutive shares are excluded from the computation of earnings per share if their effect is anti-dilutive. There were 45,450 stock options that were anti-dilutive as of September 30, 2024. No stock options were anti-dilutive as of September 30, 2025.
13.    Commitments and Contingencies
Loan Commitments – Legally binding commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many commitments may expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. In the normal course of business, there are various outstanding commitments to extend credit that are not reflected in the consolidated financial statements.
The table below presents details of loan commitments outstanding as of the dates indicated:
 September 30, 2025December 31, 2024
Variable rate commitments$45,534 $56,922 
Fixed rate commitments(1)
38,974 28,096 
Total loan commitments$84,508 $85,018 
Range of fixed interest rates
 4.27% - 27.09%
4.14% - 10.25%
Undisbursed portions of construction loans
$202,630 $145,523 
Pre-approved but unused lines of credit(2)
$858,804 $712,274 
(1)Fixed rate commitments had terms ranging from three to 30 years as of each date presented.
(2)Principally second mortgage home equity loans and overdraft protection loans.
The commitments presented in the above table represent the Company’s exposure to credit risk and, in the opinion of management, have no more than the normal lending risk that the Company commits to its borrowers.
The Company has two types of commitments related to certain one-to-four family loans held for sale: rate lock commitments and forward loan commitments. Rate lock commitments are commitments to extend credit to a customer that has an interest rate lock and are considered derivative instruments. The rate lock commitments do not qualify for hedge accounting. In order to mitigate the risk from interest rate fluctuations, the Company enters into forward loan sale commitments such as TBAs, mandatory delivery commitments with investors, or best efforts forward sale commitments with investors. The fair value of these interest rate lock commitments was not material at September 30, 2025 or December 31, 2024.
Equity Investment Commitments – As of September 30, 2025, the Company had committed $32,000 across ten SBIC investments with $10,405 remaining to be drawn, while as of December 31, 2024, the Company had committed $28,000 across nine SBIC investments with $8,598 remaining to be drawn. Similarly, as of September 30, 2025, the Company had committed $10,000 towards a solar tax equity investment with $9,006 remaining to be drawn. No such commitment existed as of December 31, 2024. Although the remaining capital commitments may or may not be called in the future, under the terms of the associated agreements, the Company's exposure will not extend beyond the amount of the original commitments.
Guarantees – Standby letters of credit obligate the Company to meet certain financial obligations of its customers, if, under the contractual terms of the agreement, the customers are unable to do so. The financial standby letters of credit issued by the Company are irrevocable and payment is only guaranteed upon the borrower's failure to perform its obligations to the beneficiary. Total commitments under standby letters of credit as of September 30, 2025 and December 31, 2024 were $54,335 and $53,226, respectively. There was no liability recorded for these letters of credit at September 30, 2025 or December 31, 2024.
30

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
Litigation – From time to time, the Company is involved in litigation matters in the ordinary course of business. These proceedings and the associated legal claims are often contested, and the outcome of individual matters is not always predictable. These claims and counter claims typically arise during the course of collection efforts on problem loans or with respect to actions to enforce liens on properties in which the Company holds a security interest. The Company is not a party to any pending legal proceedings that management believes would have a material adverse effect on the Company’s financial condition or results of operations.
14.    Fair Value of Financial Instruments
Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair values:
Level 1:    Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.
Level 2:    Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active or other inputs that are observable or can be corroborated by observable market data.
Level 3:    Significant unobservable inputs that reflect a company's own assumptions about the assumptions that market participants would use in pricing an asset or liability.
A financial instrument's level within the fair value hierarchy is based on the lowest level of any input that is significant to the fair value measurement. The following is a description of valuation methodologies used for assets recorded at fair value. As of both September 30, 2025 and December 31, 2024, the Company did not have any liabilities recorded at fair value.
The methods of determining the fair value of assets and liabilities presented in this note are consistent with the methodologies disclosed in Note 20 of the 2024 Form 10-K.
Financial Assets Recorded at Fair Value
The following table presents financial assets measured at fair value on a recurring basis at the dates indicated:
September 30, 2025
TotalLevel 1Level 2Level 3
Debt securities available for sale
MBS, residential$139,245 $— $139,245 $— 
Municipal bonds1,888 — 1,888 — 
Corporate bonds4,549 — 4,549 — 
Total debt securities available for sale$145,682 $— $145,682 $— 
Loans held for sale$7,907 $— $7,907 $— 
December 31, 2024
TotalLevel 1Level 2Level 3
Debt securities available for sale
MBS, residential$144,147 $— $144,147 $— 
Municipal bonds3,396 — 3,396 — 
Corporate bonds4,468 — 4,468 — 
Total debt securities available for sale$152,011 $— $152,011 $— 
Loans held for sale$4,144 $— $4,144 $— 
Debt securities available for sale are valued on a recurring basis at quoted market prices where available. If quoted market prices are not available, fair values are based on quoted prices of comparable securities. Level 1 securities include those traded on an active exchange, such as the New York Stock Exchange or U.S. Treasury securities that are traded by dealers or brokers in active over-the-counter markets and money market funds. Level 2 securities include MBS and debentures issued by GSEs, municipal bonds and corporate debt securities. The Company has no Level 3 securities.
Loans held for sale carried at fair value are valued at the individual loan level using quoted secondary market prices.
There were no transfers between levels during the nine months ended September 30, 2025 or 2024.
31

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
The following tables present financial assets measured at fair value on a non-recurring basis at the dates indicated:
September 30, 2025
TotalLevel 1Level 2Level 3
Collateral dependent loans
Commercial real estate loans
Commercial real estate – non-owner occupied$963 $— $— $963 
Commercial loans
Commercial and industrial969 — — 969 
Equipment finance1,932 — — 1,932 
Total$3,864 $— $— $3,864 
December 31, 2024
TotalLevel 1Level 2Level 3
Collateral dependent loans
Commercial real estate loans
Commercial real estate – owner occupied$505 $— $— $505 
Commercial real estate – non-owner occupied546 — — 546 
Commercial loans
Commercial and industrial296 — — 296 
Equipment finance346 — — 346 
Total$1,693 $— $— $1,693 
A loan is considered to be collateral dependent when, based on current information and events, the Company expects repayment of the financial assets to be provided substantially through the operation or sale of the collateral and the Company has determined that the borrower is experiencing financial difficulty as of the measurement date. For real estate loans, the fair value of the loan's collateral is determined by a third-party appraisal, which is then adjusted for the estimated selling and closing costs related to liquidation of the collateral (typically ranging from 8% to 12% of the appraised value). For this asset class, the actual valuation methods (income, sales comparable or cost) vary based on the status of the project or property. Additional discounts of 5% to 15% may be applied depending on the age of the appraisals. The unobservable inputs may vary depending on the age of the appraisals. The unobservable inputs may vary depending on the individual asset with no one of the three methods being the predominant approach. For non-real estate loans, the fair value of the loan's collateral may be determined using an appraisal, net book value per the borrower's financial statements or aging reports, adjusted or discounted based on management's historical knowledge, changes in market conditions from the time of the valuation and management's expertise and knowledge of the customer and customer's business.
The stated carrying value and estimated fair value amounts of financial instruments as of September 30, 2025 and December 31, 2024 are summarized below:
 September 30, 2025
Carrying
Value		Fair
Value		Level 1Level 2Level 3
Assets
Cash and cash equivalents$315,830 $315,830 $315,830 $— $— 
Certificates of deposit in other banks20,833 20,833 — 20,833 — 
Debt securities available for sale, at fair value145,682 145,682 — 145,682 — 
Loans held for sale, at fair value7,907 7,907 7,907 — — 
Loans held for sale, at the lower of cost or fair value189,047 191,712 — — 191,712 
Loans, net3,600,533 3,535,777 — — 3,535,777 
Accrued interest receivable17,077 17,077 214 579 16,284 
Liabilities
Noninterest-bearing and NOW deposits1,227,306 1,227,306 — 1,227,306 — 
Money market accounts1,343,008 1,343,008 — 1,343,008 — 
Savings accounts172,883 172,883 — 172,883 — 
Certificates of deposit955,030 954,221 — 954,221 — 
Junior subordinated debt10,195 9,929 — 9,929 — 
Borrowings230,000 230,050 — 230,050 — 
Accrued interest payable4,415 4,415 — 4,415 — 
32

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
 December 31, 2024
Carrying
Value		Fair
Value		Level 1Level 2Level 3
Assets
Cash and cash equivalents$279,219 $279,219 $279,219 $— $— 
Certificates of deposit in other banks28,538 28,538 — 28,538 — 
Debt securities available for sale, at fair value152,011 152,011 — 152,011 — 
Loans held for sale, at fair value4,144 4,144 4,144 — — 
Loans held for sale, at the lower of cost or fair value202,018 204,122 — — 204,122 
Loans, net3,603,014 3,498,929 — — 3,498,929 
Accrued interest receivable18,336 18,336 65 701 17,570 
Liabilities
Noninterest-bearing and NOW deposits1,256,164 1,256,164 — 1,256,164 — 
Money market accounts1,341,995 1,341,995 — 1,341,995 — 
Savings accounts181,317 181,317 — 181,317 — 
Certificates of deposit999,727 998,856 — 998,856 — 
Junior subordinated debt10,120 9,914 — 9,914 — 
Borrowings188,000 188,000 — 188,000 — 
Accrued interest payable9,578 9,578 — 9,578 — 
The Company had off-balance sheet financial commitments, which included approximately $1,200,277 and $996,042 of commitments to originate loans, undisbursed portions of construction loans, unused lines of credit and standby letters of credit at September 30, 2025 and December 31, 2024, respectively (see "Note 13 – Commitments and Contingencies"). Since these commitments are based on current rates, the carrying amount approximates the fair value.
33

Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations
Forward-Looking Statements
Certain matters in this Form 10-Q constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements relate to our financial condition, results of operations, plans, objectives, future performance or business. Forward-looking statements are not statements of historical fact, but instead are based on certain assumptions and are generally identified by use of the words "believes," "expects," "anticipates," "estimates," "forecasts," "intends," "plans," "targets," "potentially," "probably," "projects," "outlook" or similar expressions or future or conditional verbs such as "may," "will," "should," "would" and "could." Forward-looking statements include statements with respect to our beliefs, plans, objectives, goals, expectations, assumptions and statements about future economic performance and projections of financial items. These forward-looking statements are subject to known and unknown risks, uncertainties and other factors that could cause actual results to differ materially from the results anticipated or implied by our forward-looking statements.
The factors that could result in material differentiation include, but are not limited to:
•the credit risks of lending activities, including changes in the level and trend of loan delinquencies and write offs and changes in our ACL and provision for credit losses that may be impacted by deterioration in the housing and commercial real estate markets;
•changes in general economic conditions, both nationally and in our market areas;
•the potential imposition of new or increased tariffs or changes to existing trade policies that could affect economic activity or specific industry sectors;
•natural disasters, including the lingering effects of Hurricane Helene;
•changes in the levels of general interest rates, and the relative differences between short- and long-term interest rates, deposit interest rates, our net interest margin and funding sources and the effects of inflation or a potential recession;
•fluctuations in the demand for loans, the number of unsold homes, land and other properties and fluctuations in real estate values in our market areas;
•decreases in the secondary market for the sale of loans that we originate;
•expected revenues, cost savings, synergies and other benefits from our merger and acquisition activities might not be realized to the extent anticipated, within the anticipated time frames, or at all, costs or difficulties relating to integration matters, including but not limited to customer and employee retention, might be greater than expected, and goodwill impairment charges might be incurred;
•results of examinations of us by the Federal Reserve, the NCCOB or other regulatory authorities, including the possibility that any such regulatory authority may, among other things, require us to increase our ACL, write-down assets, increase our regulatory capital position or affect our ability to borrow funds or maintain or increase deposits, which could adversely affect our liquidity and earnings;
•changes in laws or regulations, changes in regulatory policies and principles or the application or interpretation of laws and regulations by regulatory agencies and tax authorities, including changes in deferred tax asset and liability activity, and the interpretation of regulatory capital or other rules;
•the availability of resources to address changes in laws, rules or regulations, or to respond to regulatory actions;
•our ability to attract and retain deposits;
•our ability to access cost-effective funding and maintain sufficient liquidity;
•management's assumptions in determining the adequacy of the ACL;
•our ability to control operating costs and expenses, especially costs associated with our operation as a public company;
•the use of estimates in determining the fair value of certain assets, which estimates may prove to be incorrect and result in significant declines in valuation;
•difficulties in reducing risks associated with the loans on our balance sheet;
•staffing fluctuations in response to product demand or the implementation of corporate strategies that affect our workforce and potential associated charges;
•disruptions, security breaches or other adverse events, failures or interruptions in, or attacks on, our information technology systems or on the third-party vendors who perform several of our critical processing functions;
•our ability to retain key members of our senior management team;
•costs and effects of litigation, including settlements and judgments;
•the impact of bank failures or adverse developments involving other banks and related negative press about the banking industry in general on investor and depositor sentiment;
•increased competitive pressures among financial services companies;
•changes in consumer spending, borrowing and savings habits;
•adverse changes in the securities markets;
•inability of key third-party providers to perform their obligations to us;
•changes in accounting principles, policies or guidelines and practices, as may be adopted by the financial institution regulatory agencies, the Public Company Accounting Oversight Board or the FASB;
•the impact of governmental actions or inactions, including a prolonged shutdown of the federal government;
•other economic, competitive, governmental, regulatory and technological factors affecting our operations, pricing, products and services; and
•other risks detailed from time to time in documents we file with or furnish to the SEC, including this Form 10-Q.
Any forward-looking statements are based upon management’s beliefs and assumptions at the time they are made. We undertake no obligation to publicly update or revise any forward-looking statements included in this report or to update the reasons why actual results could differ from those contained in such statements, whether as a result of new information, future events or otherwise. In light of these risks, uncertainties and assumptions, the forward-looking statements discussed in this report might not occur and you should not put undue reliance on any forward-looking statements.
As used throughout this report, the terms “we,” “our,” “us,” “HomeTrust Bancshares” or the “Company” refer to HomeTrust Bancshares, Inc. and its consolidated subsidiaries, including HomeTrust Bank (“HomeTrust” or "Bank") unless the context indicates otherwise.
34

Overview
For the quarter ended September 30, 2025 compared to the quarter ended June 30, 2025:
•net income was $16.5 million compared to $17.2 million;
•diluted EPS were $0.95 compared to $1.00;
•annualized ROA was 1.48% compared to 1.58%;
•annualized ROE was 11.10% compared to 11.97%;
•net interest margin was 4.31% compared to 4.32%;
•provision for credit losses was $2.0 million compared to $1.3 million;
•there was no gain on the sale of branches in the current quarter compared to $1.4 million in the prior quarter;
•quarterly cash dividends continued at $0.12 per share totaling $2.1 million for each period; and
•no shares of Company common stock were repurchased during the current quarter compared to 78,412 shares at an average price of $35.74 in the prior quarter.
For the nine months ended September 30, 2025 compared to the nine months ended September 30, 2024:
•net income was $48.2 million compared to $40.6 million;
•diluted EPS were $2.79 compared to $2.37;
•annualized ROA was 1.46% compared to 1.22%;
•annualized ROE was 11.20% compared to 10.39%;
•net interest margin was 4.27% compared to 4.06%;
•provision for credit losses was $4.9 million compared to $8.4 million;
•gain on the sale of our two Knoxville, Tennessee branches was $1.4 million compared to $0;
•tax-free death benefit proceeds from life insurance were $0 compared to $1.1 million;
•cash dividends of $0.36 per share totaling $6.2 million compared to $0.33 per share totaling $5.6 million; and
•93,212 shares of Company common stock were repurchased during the nine months at an average price of $35.41 compared to 23,483 shares repurchased at an average price of $27.48 in the same period last year.
Three Months Ended
Nine Months Ended
(Dollars in thousands)
September 30, 2025
June 30, 2025
September 30, 2025
September 30, 2024
Interest and dividend income$65,395 $63,641 $192,671 $195,418 
Interest expense20,006 19,412 60,146 69,119 
Net interest income45,389 44,229 132,525 126,299 
Provision for credit losses 2,015 1,303 4,858 8,400 
Net interest income after provision for credit losses43,374 42,926 127,667 117,899 
Noninterest income8,751 10,157 26,935 25,206 
Noninterest expense31,266 31,255 93,482 91,488 
Income before income taxes20,859 21,828 61,120 51,617 
Income tax expense4,368 4,618 12,880 11,020 
Net income$16,491 $17,210 $48,240 $40,597 
Net income per common share(1)
  
Basic$0.96 $1.01 $2.81 $2.38 
Diluted0.95 1.00 2.79 2.37 
Cash dividends declared per common share0.12 0.12 0.36 0.33 
Book value per share at end of period34.01 33.12 34.01 30.83 
Tangible book value per share at end of period(2)
31.83 30.92 31.83 28.57 
Market price per share at end of period40.94 37.41 40.94 34.08 
(1)Basic and diluted net income per common share have been prepared in accordance with the two-class method.
(2)See Non-GAAP reconciliations below for adjustments.
Critical Accounting Policies and Estimates
Certain of our accounting policies are important to the portrayal of our financial condition, since they require management to make difficult, complex or subjective judgments, some of which may relate to matters that are inherently uncertain. Estimates associated with these policies are susceptible to material changes as a result of changes in facts and circumstances which could include, but are not limited to, changes in interest rates, changes in the performance of the economy and changes in the financial condition of borrowers. The following represents our critical accounting policy:
Allowance for Credit Losses, or ACL, on Loans. The ACL on loans held for investment reflects our estimate of credit losses that will result from the inability of our borrowers to make required loan payments. We charge off loans against the ACL and subsequent recoveries, if any, increase the ACL when they are recognized. We use a systematic methodology to determine our ACL for loans held for investment and certain off-balance-sheet credit exposures. The ACL on loans held for investment is a valuation account that is deducted from the amortized cost basis to present the net amount expected to be collected on the loan portfolio. The estimate of our ACL on loans held for investment involves a high degree of judgment including consideration of the effects of past events, current conditions and reasonable and supportable forecasts on the collectability of the loan portfolio. We recognize in net income the amount needed to adjust the ACL on loans held for
35

investment and certain off-balance-sheet credit exposures for management’s current estimate of ECLs. Our ACL on loans held for investment is calculated using collectively evaluated and individually evaluated loans.
GAAP Reconciliation of Non-GAAP Financial Measures
We believe the non-GAAP financial measures included within this report provide useful information to management and investors that is supplementary to our financial condition, results of operations and cash flows computed in accordance with US GAAP; however, we acknowledge that our non-GAAP financial measures have a number of limitations. The following reconciliation tables provide detailed analyses of these non-GAAP financial measures.
Set forth below is a reconciliation to US GAAP of tangible book value and tangible book value per share:
(Dollars in thousands, except per share data)September 30, 2025June 30, 2025
September 30, 2024
Total stockholders' equity$595,833 $579,274 $540,004 
Less: goodwill, core deposit intangibles, net of taxes38,160 38,477 39,626 
Tangible book value$557,673 $540,797 $500,378 
Common shares outstanding17,520,425 17,492,143 17,514,922 
Book value per share$34.01 $33.12 $30.83 
Tangible book value per share$31.83 $30.92 $28.57 
Set forth below is a reconciliation to US GAAP of tangible equity to tangible assets:
(Dollars in thousands)September 30, 2025June 30, 2025
September 30, 2024
Tangible equity(1)
$557,673 $540,797 $500,378 
Total assets4,592,137 4,578,053 4,637,293 
Less: goodwill, core deposit intangibles, net of taxes38,160 38,477 39,626 
Total tangible assets$4,553,977 $4,539,576 $4,597,667 
Tangible equity to tangible assets12.25 %11.91 %10.88 %
(1)Tangible equity (or tangible book value) is equal to total stockholders' equity less goodwill and core deposit intangibles, net of related deferred tax liabilities.
36

Comparison of Results of Operations for the Three Months Ended September 30, 2025 and June 30, 2025
Net Income.  Net income totaled $16.5 million, or $0.95 per diluted share, for the three months ended September 30, 2025 compared to $17.2 million, or $1.00 per diluted share, for the three months ended June 30, 2025, a decrease of $719,000, or 4.2%. Results for the three months ended September 30, 2025 were positively impacted by a $1.2 million increase in net interest income, offset by a $712,000 increase in the provision for credit losses and a $1.4 million decrease in noninterest income due to a $1.4 million gain on the sale of two branch locations in the prior quarter, with no similar activity in the current quarter. Details of the changes in the various components of net income are further discussed below.
Net Interest Income.  The following table presents the distribution of average assets, liabilities and equity, as well as interest income earned on average interest-earning assets and interest expense paid on average interest-bearing liabilities. All average balances are daily average balances. Nonaccruing loans have been included in the table as loans carrying a zero yield.
 Three Months Ended
 September 30, 2025
June 30, 2025
(Dollars in thousands)Average
Balance
Outstanding		Interest
Earned /
Paid		Yield /
Rate		Average
Balance
Outstanding		Interest
Earned /
Paid		Yield /
Rate
Assets
Interest-earning assets
Loans receivable(1)
$3,876,200$61,749 6.32 %$3,804,502$60,440 6.37 %
Debt securities available for sale146,3741,662 4.50 149,6111,658 4.45 
Other interest-earning assets(2)
152,1301,984 5.17 149,1751,543 4.15 
Total interest-earning assets4,174,70465,395 6.21 4,103,28863,641 6.22 
Other assets256,449263,603
Total assets$4,431,153$4,366,891
Liabilities and equity
Interest-bearing liabilities
Interest-bearing checking accounts$544,229$1,081 0.79 %$563,817$1,251 0.89 %
Money market accounts1,330,8569,276 2.77 1,329,9739,004 2.72 
Savings accounts176,66031 0.07 182,34037 0.08 
Certificate accounts932,3619,086 3.87 868,3218,564 3.96 
Total interest-bearing deposits2,984,10619,474 2.59 2,944,45118,856 2.57 
Junior subordinated debt10,179207 8.07 10,154206 8.14 
Borrowings28,716325 4.49 31,154350 4.51 
Total interest-bearing liabilities3,023,00120,006 2.63 2,985,75919,412 2.61 
Noninterest-bearing deposits757,828744,585
Other liabilities60,69259,973
Total liabilities3,841,5213,790,317
Stockholders' equity589,632576,574
Total liabilities and stockholders' equity$4,431,153$4,366,891
Net earning assets$1,151,703$1,117,529
Average interest-earning assets to average interest-bearing liabilities138.10 %137.43 %
Non-tax-equivalent
Net interest income$45,389 $44,229 
Interest rate spread3.58 %3.61 %
Net interest margin(3)
4.31 %4.32 %
Tax-equivalent(4)
Net interest income$45,829 $44,660 
Interest rate spread3.63 %3.65 %
Net interest margin(3)
4.36 %4.37 %
(1)Average loans receivable balances include loans held for sale and nonaccruing loans.
(2)Average other interest-earning assets consist of FRB stock, FHLB stock, SBIC investments and deposits in other banks.
(3)Net interest income divided by average interest-earning assets.
(4)Tax-equivalent results include adjustments to interest income of $440 and $431 for the three months ended September 30, 2025 and June 30, 2025, respectively, calculated based on a combined federal and state tax rate of 24%.
Total interest and dividend income for the three months ended September 30, 2025 increased $1.8 million when compared to the three months ended June 30, 2025. Regarding the components of this income, loan interest income increased $1.3 million, or 2.2%, primarily due to an overall increase in the average loan balance and an additional day in the current quarter, and interest income on other interest-bearing assets increased $441,000, or 28.5%, mainly due to a $421,000, or 154.8%, increase in SBIC investment income where significant investment
37

appreciation was recognized in the current quarter. Accretion income on acquired loans of $352,000 and $1.0 million was recognized during the same periods, respectively, and was included in interest income on loans.
Total interest expense for the three months ended September 30, 2025 increased $594,000, or 3.1%, compared to the three months ended June 30, 2025. The change was primarily the result of an increase in the average balance of certificate accounts.
The following table shows the effects that changes in average balances (volume), including the difference in the number of days in the periods compared, and average interest rates (rate) had on the interest earned on interest-earning assets and interest paid on interest-bearing liabilities:
Increase / (Decrease)
Due to		Total
Increase /
(Decrease)
(Dollars in thousands)VolumeRate
Interest-earning assets
Loans receivable$1,810 $(501)$1,309 
Debt securities available for sale(18)22 4 
Other interest-earning assets52 389 441 
Total interest-earning assets1,844 (90)1,754 
Interest-bearing liabilities
Interest-bearing checking accounts(32)(138)(170)
Money market accounts107 165 272 
Savings accounts(1)(5)(6)
Certificate accounts730 (208)522 
Junior subordinated debt3 (2)1 
Borrowings(24)(1)(25)
Total interest-bearing liabilities783 (189)594 
Increase in net interest income$1,160 
Provision for Credit Losses.  The provision for credit losses is the amount of expense that, based on our judgment, is required to maintain the ACL at an appropriate level under the current expected credit losses model.
The following table presents a breakdown of the components of the provision for credit losses:
Three Months Ended
(Dollars in thousands)
September 30, 2025
June 30, 2025
$ Change% Change
Provision for credit losses
Loans$1,755 $1,385 $370 27 %
Off-balance-sheet credit exposure260 (82)342 417 
Total provision for credit losses$2,015 $1,303 $712 55 %
For the quarter ended September 30, 2025, the "loans" portion of the provision for credit losses was the result of the following, offset by net charge-offs of $2.8 million during the quarter:
•$0.6 million benefit driven by changes in the loan mix.
•$0.2 million provision due to changes in the projected economic forecast, specifically the national unemployment rate, and changes in qualitative adjustments.
•$0.6 million decrease in specific reserves on individually evaluated loans.
For the quarter ended June 30, 2025, the "loans" portion of the provision for credit losses was the result of the following, offset by net charge-offs of $2.0 million during the quarter:
•$0.3 million benefit driven by changes in the loan mix.
•$1.6 million benefit due to changes in qualitative adjustments, partially offset by a slight worsening of the projected economic forecast, specifically the national unemployment rate. Of note, we released the $2.2 million qualitative allocation previously established for the potential impact of Hurricane Helene upon our loan portfolio which had been established in the quarter ended September 30, 2024. Any residual impact of the Hurricane was believed to have been reflected elsewhere within the ACL calculation.
•$1.3 million increase in specific reserves on individually evaluated loans.
For the quarters ended September 30, 2025 and June 30, 2025, the amounts recorded for off-balance-sheet credit exposure were the result of changes in the balance of loan commitments, loan mix, projected economic forecast and qualitative allocations as outlined above.
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Noninterest Income.  Noninterest income for the three months ended September 30, 2025 decreased $1.4 million, or 13.8%, when compared to the quarter ended June 30, 2025. Changes in the components of noninterest income are discussed below:
Three Months Ended
(Dollars in thousands)
September 30, 2025
June 30, 2025
$ Change% Change
Noninterest income
Service charges and fees on deposit accounts$2,527 $2,502 $25 1 %
Loan income and fees577 548 29 5 
Gain on sale of loans held for sale1,725 2,109 (384)(18)
BOLI income882 852 30 4 
Operating lease income1,777 1,876 (99)(5)
Gain on sale of branches— 1,448 (1,448)(100)
Gain on sale of premises and equipment— 28 (28)(100)
Other1,263 794 469 59 
Total noninterest income$8,751 $10,157 $(1,406)(14)%
•Gain on sale of loans held for sale: The decrease was primarily driven by a reduction in the sales volume of HELOCs originated for sale, partially offset by increased sales volume of residential mortgage and SBA commercial loans. There were $45.3 million of HELOCs originated for sale which were sold during the current quarter with gains of $243,000 compared to $108.8 million sold with gains of $954,000 in the prior quarter. There were $33.3 million of residential mortgage loans sold for gains of $764,000 during the current quarter compared to $30.3 million sold with gains of $558,000 in the prior quarter. There were $9.8 million in sales of the guaranteed portion of SBA commercial loans with gains of $595,000 for the current quarter compared to $7.3 million sold and gains of $570,000 for the prior quarter. Our hedging of mandatory commitments on the residential mortgage loan pipeline resulted in a net gain of $123,000 for the current quarter compared to a net gain of $27,000 for the prior quarter.
•Gain on sale of branches: On May 23, 2025, we completed the previously announced sale of our two Knoxville, Tennessee branches, recognizing a gain of $1.4 million. The gain was primarily the result of a premium received on the deposits assumed by the purchasing institution, partially offset by expenses associated with the transaction. No similar activity occurred during the current quarter.
•Other: The increase was driven by $290,000 in additional investment services income quarter-over-quarter.
Noninterest Expense.  Noninterest expense for the three months ended September 30, 2025 remained stable, when compared to the three months ended June 30, 2025. Changes in the components of noninterest expense are discussed below:
Three Months Ended
(Dollars in thousands)
September 30, 2025
June 30, 2025
$ Change% Change
Noninterest expense
Salaries and employee benefits$18,508 $18,208 $300 2 %
Occupancy expense, net2,563 2,375 188 8 
Computer services2,562 2,488 74 3 
Operating lease depreciation expense1,770 1,789 (19)(1)
Telephone, postage and supplies539 561 (22)(4)
Marketing and advertising471 442 29 7 
Deposit insurance premiums468 473 (5)(1)
Core deposit intangible amortization410 411 (1)— 
Other3,975 4,508 (533)(12)
Total noninterest expense$31,266 $31,255 $11 — %
•Other: The change was driven by a $96,000 decline in losses recognized on the sale of repossessed assets in addition to small decreases across several other expense categories.
Income Taxes.  The amount of income tax expense is influenced by the amount of pre-tax income, tax-exempt income, changes in the statutory rate and the effect of changes in valuation allowances maintained against deferred tax benefits. The effective tax rates for the three months ended September 30, 2025 and June 30, 2025 were 20.9% and 21.2%, respectively.
Comparison of Results of Operations for the Nine Months Ended September 30, 2025 and September 30, 2024
Net Income.  Net income totaled $48.2 million, or $2.79 per diluted share, for the nine months ended September 30, 2025 compared to $40.6 million, or $2.37 per diluted share, for the nine months ended September 30, 2024, an increase of $7.6 million, or 18.8%. The results for the nine months ended September 30, 2025 were positively impacted by a $6.2 million increase in net interest income, a decrease of $3.5 million in the provision for credit losses, and a $1.7 million increase in noninterest income, partially offset by a $2.0 million increase in noninterest expense. Details of the changes in the various components of net income are further discussed below.
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Net Interest Income.  The following table presents the distribution of average assets, liabilities and equity, as well as interest income earned on average interest-earning assets and interest expense paid on average interest-bearing liabilities. All average balances are daily average balances. Nonaccruing loans have been included in the table as loans carrying a zero yield.
 
Nine Months Ended
 September 30, 2025September 30, 2024
(Dollars in thousands)Average
Balance
Outstanding		Interest
Earned /
Paid		Yield /
Rate		Average
Balance
Outstanding		Interest
Earned /
Paid		Yield /
Rate
Assets
Interest-earning assets
Loans receivable(1)
$3,827,840$180,802 6.32 %$3,883,040$185,418 6.38 %
Debt securities available for sale149,5255,107 4.57 133,7794,424 4.42 
Other interest-earning assets(2)
168,9846,762 5.35 138,9565,576 5.36 
Total interest-earning assets4,146,349192,671 6.21 4,155,775195,418 6.28 
Other assets262,029276,516
Total assets$4,408,378$4,432,291
Liabilities and equity
Interest-bearing liabilities
Interest-bearing checking accounts$560,348$3,656 0.87 %$574,954$4,149 0.96 %
Money market accounts1,335,41427,457 2.75 1,305,21729,813 3.05 
Savings accounts180,760106 0.08 187,447124 0.09 
Certificate accounts917,39427,474 4.00 934,70230,778 4.40 
Total interest-bearing deposits2,993,91658,693 2.62 3,002,32064,864 2.89 
Junior subordinated debt10,155618 8.14 10,054705 9.37 
Borrowings24,117835 4.63 76,8233,550 6.17 
Total interest-bearing liabilities3,028,18860,146 2.66 3,089,19769,119 2.99 
Noninterest-bearing deposits740,785766,110
Other liabilities63,79155,217
Total liabilities3,832,7643,910,524
Stockholders' equity575,614521,767
Total liabilities and stockholders' equity$4,408,378$4,432,291
Net earning assets$1,118,161$1,066,578
Average interest-earning assets to average interest-bearing liabilities136.93 %134.53 %
Non-tax-equivalent
Net interest income$132,525 $126,299 
Interest rate spread3.55 %3.29 %
Net interest margin(3)
4.27 %4.06 %
Tax-equivalent(4)
Net interest income$133,814 $127,371 
Interest rate spread3.59 %3.33 %
Net interest margin(3)
4.31 %4.09 %
(1)Average loans receivable balances include loans held for sale and nonaccruing loans.
(2)Average other interest-earning assets consist of FRB stock, FHLB stock, SBIC investments and deposits in other banks.
(3)Net interest income divided by average interest-earning assets.
(4)Tax-equivalent results include adjustments to interest income of $1,289 and $1,072 for the nine months ended September 30, 2025 and September 30, 2024, respectively, calculated based on a combined federal and state tax rate of 24%.
Total interest and dividend income for the nine months ended September 30, 2025 decreased $2.7 million, or 1.4%, compared to the nine months ended September 30, 2024, which was driven by a $4.6 million, or 2.5%, decrease in interest income on loans, partially offset by an increase of $1.2 million, or 21.3%, in income from other interest-bearing assets and an increase of $683,000, or 15.4%, in income from debt securities available for sale. Accretion income on acquired loans of $1.7 million and $2.0 million was recognized during the same periods, respectively, and was included in interest income on loans. The overall decrease in average yield on interest-earning assets was mainly the result of both a reduction in interest rates and a decline in the average balance of the loan portfolio where we continue to be focused on prudent loan growth.
Total interest expense for the nine months ended September 30, 2025 decreased $9.0 million, or 13.0%, compared to the nine months ended September 30, 2024. The change was primarily the result of a decrease in the average balance of borrowings in addition to the cost of funds across all funding sources.
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The following table shows the effects that changes in average balances (volume), including the difference in the number of days in the periods compared, and average interest rates (rate) had on the interest earned on interest-earning assets and interest paid on interest-bearing liabilities:
Increase / (Decrease)
Due to		Total
Increase /
(Decrease)
(Dollars in thousands)VolumeRate
Interest-earning assets
Loans receivable$(2,802)$(1,814)$(4,616)
Debt securities available for sale516 167 683 
Other interest-earning assets1,199 (13)1,186 
Total interest-earning assets(1,087)(1,660)(2,747)
Interest-bearing liabilities
Interest-bearing checking accounts(109)(384)(493)
Money market accounts664 (3,020)(2,356)
Savings accounts(5)(13)(18)
Certificate accounts(595)(2,709)(3,304)
Junior subordinated debt7 (94)(87)
Borrowings(2,436)(279)(2,715)
Total interest-bearing liabilities(2,474)(6,499)(8,973)
Increase in net interest income$6,226 
Provision for Credit Losses.  The following table presents a breakdown of the components of the provision for credit losses:
Nine Months Ended
(Dollars in thousands)
September 30, 2025
September 30, 2024
$ Change% Change
Provision for credit losses
Loans$3,940 $8,435 $(4,495)(53)%
Off-balance-sheet credit exposure918 (35)953 2,723 
Total provision for credit losses$4,858 $8,400 $(3,542)(42)%
For the nine months ended September 30, 2025, the "loans" portion of the provision for credit losses was the result of the following, offset by net charge-offs of $6.1 million during the period.
•$1.5 million benefit driven by changes in the loan mix.
•$1.5 million benefit due to changes in qualitative adjustments, partially offset by a slight worsening of the projected economic forecast, specifically the national unemployment rate. Of note, we released the $2.2 million qualitative allocation previously established for the potential impact of Hurricane Helene upon our loan portfolio which had been established in the quarter ended September 30, 2024. Any residual impact of the Hurricane is believed to have now been reflected elsewhere within the ACL calculation.
•$0.8 million increase in specific reserves on individually evaluated loans.
For the nine months ended September 30, 2024, the "loans" portion of the provision for credit losses was the result of net charge-offs of $8.9 million during the period, partially offset by a $0.4 million benefit due to changes in the loan mix.
For the nine months ended September 30, 2025 and September 30, 2024, the amounts recorded for off-balance-sheet credit exposure were the result of changes in the balance of loan commitments, loan mix and projected economic forecast as outlined above.

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Noninterest Income.  Noninterest income for the nine months ended September 30, 2025 increased $1.7 million, or 6.9%, when compared to the same period last year. Changes in the components of noninterest income are discussed below:
Nine Months Ended
(Dollars in thousands)
September 30, 2025
September 30, 2024
$ Change% Change
Noninterest income
Service charges and fees on deposit accounts$7,273 $6,839 $434 6 %
Loan income and fees1,846 2,009 (163)(8)
Gain on sale of loans held for sale5,742 5,185 557 11 
BOLI income2,576 3,470 (894)(26)
Operating lease income5,032 5,087 (55)(1)
Gain on sale of branches1,448 — 1,448 100 
Gain (loss) on sale of premises and equipment28 (9)37 411 
Other2,990 2,625 365 14 
Total noninterest income$26,935 $25,206 $1,729 7 %
•Gain on sale of loans held for sale: The increase was primarily driven by growth in the volume of HELOCs and residential mortgage loans sold during the period, partially offset by a reduction in the sale of the guaranteed portion of SBA commercial loans. During the nine months ended September 30, 2025, there were $243.5 million of HELOCs sold with gains of $2.3 million compared to $95.4 million sold with gains of $887,000 for the corresponding period in the prior year. There were $82.4 million of residential mortgage loans originated for sale which were sold with gains of $1.8 million compared to $58.3 million sold with gains of $1.1 million for the corresponding period in the prior year. There were $21.6 million of sales of the guaranteed portion of SBA commercial loans with gains of $1.5 million compared to $38.5 million sold and gains of $3.1 million for the corresponding period in the prior year. Our hedging of mandatory commitments on the residential mortgage loan pipeline resulted in a net gain of $163,000 for the nine months ended September 30, 2025 versus $15,000 for the nine months ended September 30, 2024.
•BOLI income: The decrease was due to $1.1 million in tax-free gains on death benefit proceeds in excess of the cash surrender value of the policies recognized in the prior period with no similar activity in the current period, partially offset by higher yielding policies as a result of restructuring the portfolio at the end of the calendar year ended December 31, 2023.
•Gain on sale of branches: As discussed earlier, during the current period we completed the previously announced sale of our two Knoxville, Tennessee branches, recognizing a gain of $1.4 million in the current period, with no similar activity occurring in the prior period.
•Other: The change was driven by $109,000 in additional investment services income period-over-period in addition to smaller increases across several other income categories.
Noninterest Expense.  Noninterest expense for the nine months ended September 30, 2025 increased $2.0 million, or 2.2%, when compared to the same period last year. Changes in the components of noninterest expense are discussed below:
Nine Months Ended
(Dollars in thousands)
September 30, 2025
September 30, 2024
$ Change% Change
Noninterest expense
Salaries and employee benefits$54,415 $50,666 $3,749 7 %
Occupancy expense, net7,449 7,292 157 2 
Computer services7,855 9,396 (1,541)(16)
Operating lease depreciation expense5,427 5,667 (240)(4)
Telephone, postage and supplies1,646 1,712 (66)(4)
Marketing and advertising1,365 1,659 (294)(18)
Deposit insurance premiums1,452 1,674 (222)(13)
Core deposit intangible amortization1,336 1,896 (560)(30)
Other12,537 11,526 1,011 9 
Total noninterest expense$93,482 $91,488 $1,994 2 %
•Salaries and employee benefits: The increase was primarily the result of increases in both pay and incentive compensation.
•Computer services: At the end of the prior calendar year, we finalized the multiyear renewal of our largest core processing contract. The decrease in expense period-over-period is a reflection of the improved vendor pricing negotiated through this effort.
•Marketing and advertising: The decrease was the result of a reduction in spending in the nine months ended September 30, 2025 when compared to the same period of the prior year, as we re-evaluated our marketing strategy for future periods.
•Deposit insurance premiums: The decrease period-over-period was the result of higher regulatory capital ratios.
•Core deposit intangible amortization: The intangible recorded associated with the Quantum merger is being amortized on an accelerated basis, so the rate of amortization slowed year-over-year.
•Other: The change period-over-period was driven by increases of $377,000 in community association banking deposit line of business referral fees, $331,000 in losses on the sale of repossessed equipment, and $233,000 in consulting fees.
Income Taxes. The amount of income tax expense is influenced by the amount of pre-tax income, tax-exempt income, changes in the statutory rate and the effect of changes in valuation allowances maintained against deferred tax benefits. The effective tax rate was 21.1% and 21.3% for the nine months ended September 30, 2025 and September 30, 2024, respectively.
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Comparison of Financial Condition at September 30, 2025 and December 31, 2024
General.  Total assets decreased by $3.3 million to $4.6 billion and total liabilities decreased by $47.4 million to $4.0 billion, respectively, at September 30, 2025 as compared to December 31, 2024. These changes can be traced to the use of the proceeds from both loan sales and maturities of debt securities and certificates of deposit to partially offset a $81.0 million decline in deposits. The decrease in deposits was mainly the result of a $68.8 million reduction in brokered deposits and $34.3 million of deposits which were assumed by the purchaser of our two Knoxville, Tennessee branches. Borrowings increased by $42.0 million to provide additional liquidity.
Cash and Cash Equivalents.  Total cash and cash equivalents increased $36.6 million, or 13.1%, to $315.8 million at September 30, 2025 from $279.2 million at December 31, 2024.
Certificates of Deposit in Other Banks.  Total certificates of deposit in other banks decreased $7.7 million, or 27.0%, to $20.8 million at September 30, 2025 from $28.5 million at December 31, 2024.
Debt Securities Available for Sale.  Debt securities available for sale decreased $6.3 million, or 4.2%, to $145.7 million at September 30, 2025 from $152.0 million at December 31, 2024.
Loans Held for Sale. Loans held for sale decreased $9.2 million, or 4.5%, to $197.0 million at September 30, 2025 from $206.2 million at December 31, 2024. This was driven by an decrease of $25.9 million, or 14.5%, in HELOCs held for sale due to loan sales during the current quarter, partially offset by a $13.3 million, or 58.3%, increase in SBA loans held for sale.
Loans, Net of Deferred Loan Fees and Costs.  Total loans decreased $4.7 million, to $3.6 billion at September 30, 2025 as compared to the balance at December 31, 2024. The following table illustrates the changes within the portfolio:
As ofChangePercent of Total
September 30, 2025
December 31, 2024
September 30, 2025
December 31, 2024
(Dollars in thousands)$%
Commercial real estate loans
Construction and land development$268,953 $274,356 $(5,403)(2)%7 %8 %
Commercial real estate – owner occupied540,807 545,490 (4,683)(1)15 15 
Commercial real estate – non-owner occupied861,244 866,094 (4,850)(1)24 24 
Multifamily115,403 120,425 (5,022)(4)3 3 
Total commercial real estate loans1,786,407 1,806,365 (19,958)(1)49 50 
Commercial loans
Commercial and industrial399,155 316,159 82,996 26 11 9 
Equipment finance340,322 406,400 (66,078)(16)9 11 
Municipal leases164,967 165,984 (1,017)(1)5 5 
Total commercial loans904,444 888,543 15,901 2 25 25 
Residential real estate loans
Construction and land development51,110 53,683 (2,573)(5)1 1 
One-to-four family636,857 630,391 6,466 1 18 17 
HELOCs216,122 195,288 20,834 11 6 5 
Total residential real estate loans904,089 879,362 24,727 3 25 23 
Consumer loans48,679 74,029 (25,350)(34)1 2 
Total loans, net of deferred loan fees and costs$3,643,619 $3,648,299 $(4,680)— %100 %100 %
Asset Quality. Nonperforming assets, made up of nonaccrual loans and repossessed assets, increased by $2.6 million, or 8.6%, to $33.1 million, or 0.72% of total assets, at September 30, 2025 compared to $30.5 million, or 0.67% of total assets, at June 30, 2025. SBA loans made up the largest portion of nonperforming assets at $11.9 million and $9.4 million, respectively, at these same dates of which $6.6 million and $4.8 million, respectively, was fully guaranteed. Of the remaining nonperforming assets, HELOCs totaled $5.9 million and $3.3 million, respectively, and equipment finance loans (concentrated in the transportation sector) made up $5.5 million and $5.9 million, respectively, both at these same dates. The ratio of nonperforming loans to total loans was 0.89% at September 30, 2025 compared to 0.81% at June 30, 2025.
Nonperforming assets increased by $4.4 million, or 15.2%, to $33.1 million, or 0.72% of total assets, at September 30, 2025 compared to $28.8 million, or 0.63% of total assets, at December 31, 2024. The ratio of nonperforming loans to total loans was 0.89% at September 30, 2025 compared to 0.76% at December 31, 2024.
Classified assets increased by $7.8 million, or 15.9%, to $56.6 million, or 1.23% of total assets, as of September 30, 2025 when compared to the balance of $48.8 million, or 1.07% of total assets, at June 30, 2025. Similarly, classified assets increased by $7.9 million, or 16.1%, to $56.6 million, or 1.23% of total assets, as of September 30, 2025 when compared to the balance of $48.8 million, or 1.06% of total assets, at December 31, 2024. SBA loans made up the largest portion of classified assets at $20.0 million and $17.1 million, respectively, as of September 30, 2025 and June 30, 2025 of which $12.7 million and $9.9 million, respectively, was fully guaranteed. The remaining population of classified assets at September 30, 2025 included $8.8 million of equipment finance loans (concentrated in the transportation sector), $7.7 million of non-owner occupied CRE loans, $7.5 million of HELOCs, and $6.7 million of 1-4 family residential real estate loans.
Lastly, in an effort to assist customers in their post-Hurricane Helene recovery and clean-up efforts, at the end of the prior calendar year we granted payment deferrals of up to six months to provide short-term relief to impacted customers. The outstanding balance of these deferrals declined from $136.0 million at December 31, 2024 to $318,000 at September 30, 2025. To date, $27,000 in charge-offs have been recognized which were directly related to Hurricane Helene.
43

Allowance for Credit Losses on Loans. The ACL on loans was $43.1 million, or 1.18% of total loans, at September 30, 2025 compared to $45.3 million, or 1.24% of total loans, at December 31, 2024. The drivers of this change are discussed in the "Comparison of Results of Operations for the Nine Months Ended September 30, 2025 and September 30, 2024 – Provision for Credit Losses" section above.
Net loan charge-offs totaled $6.1 million for the nine months ended September 30, 2025 compared to $8.9 million for the same period last year. Annualized net charge-offs as a percentage of average loans were 0.21% for the nine months ended September 30, 2025 as compared to 0.31% for the nine months ended September 30, 2024.
Premises and Equipment.  Premises and equipment decreased by $7.4 million, or 10.5%, to $63.0 million at September 30, 2025 from $70.5 million at December 31, 2024. The majority of the change can be traced to the completion of the sale of our two Knoxville, Tennessee branches, which included the sale of $6.3 million of premises and equipment.
Deposits.  The following table summarizes the composition of our deposit portfolio as of the dates indicated:
(Dollars in thousands)
September 30, 2025
December 31, 2024$ Change% Change
Core deposits
Noninterest-bearing accounts$689,352 $680,926 $8,426 1 %
NOW accounts537,954 575,238 (37,284)(6)
Money market accounts1,343,008 1,341,995 1,013 — 
Savings accounts172,883 181,317 (8,434)(5)
Total core deposits2,743,197 2,779,476 (36,279)(1)
Certificates of deposit955,030 999,727 (44,697)(4)
Total$3,698,227 $3,779,203 $(80,976)(2)%
Liquidity Management
Management maintains a liquidity position that it believes will adequately provide for funding of loan demand and deposit run-off that may occur in the normal course of business. We rely on a number of different sources in order to meet our potential liquidity demands. The primary sources are increases in deposit accounts, wholesale borrowings and cash flows from loan payments and the securities portfolio.
In addition to these primary sources of funds, management has several secondary sources available to meet potential funding requirements. All qualifying one-to-four family loans, HELOCs, commercial real estate loans, multifamily loans and FHLB of Atlanta stock are pledged as collateral to secure outstanding FHLB advances while commercial construction, indirect auto, and equipment and municipal leases are pledged as collateral to secure outstanding FRB advances. At September 30, 2025, the Company had the ability to borrow $363.8 million through additional FHLB advances and $18.7 million through the unused portion of a line of credit with the FRB. At this same date, the Company maintained revolving lines of credit with three unaffiliated banks which totaled $165.0 million, all of which was unused.
We also classify our securities portfolio as available for sale, providing an additional source of liquidity. Management believes that our securities portfolio is of high quality, of short duration, and the securities would therefore be readily marketable. In addition, we have historically sold fixed-rate mortgage loans in the secondary market to reduce interest rate risk and to create still another source of liquidity. From time to time we also utilize brokered time deposits to supplement our other sources of funds. Brokered time deposits are obtained by utilizing an outside broker that is paid a fee. This funding requires advance notification to structure the type of deposit desired by us. Brokered deposits can vary in term from one month to several years and have the benefit of being a source of longer-term funding. We also utilize brokered deposits to help manage interest rate risk by extending the term to repricing of our liabilities, enhance our liquidity and fund asset growth. Brokered deposits are typically from outside our primary market areas, and our brokered deposit levels may vary from time to time depending on competitive interest rate conditions and other factors. At September 30, 2025, brokered deposits totaled $318.3 million, or 8.6% of total deposits.
Liquidity management is both a daily and long-term function of business management. Excess liquidity is generally invested in short-term investments, such as overnight deposits and federal funds. On a longer term basis, we maintain a strategy of investing in various lending products and debt securities, including MBS. On a stand-alone level we are a separate legal entity from the Bank and must provide for our own liquidity and pay our own operating expenses. Our primary source of funds consists of dividends or capital distributions from the Bank, although there are regulatory restrictions on the ability of the Bank to pay dividends. At September 30, 2025, we (on an unconsolidated basis) had liquid assets of $13.1 million.
At the Bank level, we use our sources of funds primarily to meet our ongoing commitments, pay maturing deposits and fund withdrawals and to fund loan commitments. At September 30, 2025, the total approved loan commitments and unused lines of credit outstanding amounted to $287.1 million and $858.8 million, respectively, as compared to $230.5 million and $712.3 million as of December 31, 2024. Certificates of deposit scheduled to mature in one year or less at September 30, 2025 totaled $930.5 million. It is management's policy to manage deposit rates that are competitive with other local financial institutions. Based on this strategy, we believe that a majority of maturing deposits will be retained.
Off-Balance Sheet Activities
In the normal course of operations, we engage in a variety of financial transactions that are not recorded in our financial statements, mainly to manage customers' requests for funding. These transactions primarily take the form of loan commitments and lines of credit and involve varying degrees of off-balance sheet credit, interest rate and liquidity risks. For further information, see "Note 13 – Commitments and Contingencies" in this Quarterly Report on Form 10-Q.
Capital Resources
HomeTrust Bancshares, Inc. is a bank holding company subject to regulation by the Federal Reserve. As a bank holding company, we are subject to capital adequacy requirements of the Federal Reserve under the Bank Holding Company Act of 1956, as amended and the
44

regulations of the Federal Reserve. The Company's subsidiary, the Bank, an FDIC-insured, North Carolina state-chartered bank and a member of the Federal Reserve System, is supervised and regulated by the Federal Reserve and the NCCOB and is subject to minimum capital requirements applicable to state member banks established by the Federal Reserve that are calculated in a manner similar to those applicable to bank holding companies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by bank regulators that, if undertaken, could have a direct material effect on the Company's financial statements.
Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank’s assets, liabilities and certain off-balance-sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors.
At September 30, 2025, HomeTrust Bancshares, Inc. and the Bank each exceeded all regulatory capital requirements. Consistent with the Company's goals to operate a sound and profitable organization, its policy is for the Bank to maintain a “well-capitalized” status under the regulatory capital categories of the Federal Reserve. The Bank was categorized as "well-capitalized" at September 30, 2025 under applicable regulatory requirements.
HomeTrust Bancshares, Inc. and the Bank's actual and required minimum capital amounts and ratios are as follows:
 Regulatory Requirements
ActualMinimum for Capital
Adequacy Purposes		Minimum to Be
Well Capitalized
(Dollars in thousands)AmountRatioAmountRatioAmountRatio
HomeTrust Bancshares, Inc.
September 30, 2025
CET1 Capital (to risk-weighted assets)$555,996 13.57 %$184,430 4.50 %$266,399 6.50 %
Tier I Capital (to total adjusted assets)566,191 12.89 175,683 4.00 219,604 5.00 
Tier I Capital (to risk-weighted assets)566,191 13.81 245,907 6.00 327,876 8.00 
Total Risk-based Capital (to risk-weighted assets)613,342 14.97 327,876 8.00 409,845 10.00 
December 31, 2024      
CET1 Capital (to risk-weighted assets)$515,455 12.71 %$182,537 4.50 %$263,664 6.50 %
Tier I Capital (to total adjusted assets)525,575 11.88 176,978 4.00 221,222 5.00 
Tier I Capital (to risk-weighted assets)525,575 12.96 243,382 6.00 324,509 8.00 
Total Risk-based Capital (to risk-weighted assets)570,119 14.06 324,509 8.00 405,637 10.00 
HomeTrust Bank      
September 30, 2025      
CET1 Capital (to risk-weighted assets)$545,977 13.32 %$184,430 4.50 %$266,399 6.50 %
Tier I Capital (to total adjusted assets)545,977 12.44 175,577 4.00 219,472 5.00 
Tier I Capital (to risk-weighted assets)545,977 13.32 245,907 6.00 327,876 8.00 
Total Risk-based Capital (to risk-weighted assets)593,128 14.47 327,876 8.00 409,845 10.00 
December 31, 2024      
CET1 Capital (to risk-weighted assets)$516,762 12.74 %$182,528 4.50 %$263,652 6.50 %
Tier I Capital (to total adjusted assets)516,762 11.68 176,943 4.00 221,179 5.00 
Tier I Capital (to risk-weighted assets)516,762 12.74 243,371 6.00 324,494 8.00 
Total Risk-based Capital (to risk-weighted assets)561,306 13.84 324,494 8.00 405,618 10.00 
As permitted by the interim final rule issued on March 27, 2020 by the federal banking regulatory agencies, the Company elected the option to delay the estimated impact on regulatory capital of ASU 2016-13, which was adopted on July 1, 2020. The initial adoption of ASU 2016-13 as well as 25% of the quarterly increases in the ACL subsequent to adoption (collectively the “transition adjustments”) was delayed for two years. After two years, the cumulative amount of the transition adjustments became fixed and were phased out of the regulatory capital calculations evenly over a three-year period, with 75% recognized in year three, 50% recognized in year four, and 25% recognized in year five. Starting with the quarter ended March 31, 2025, the temporary regulatory capital benefits have been fully reversed.
In addition to the minimum CET1, Tier 1 and total risk-based capital ratios, both HomeTrust Bancshares, Inc. and the Bank have to maintain a capital conservation buffer consisting of additional CET1 capital of more than 2.50% above the required minimum levels in order to avoid limitations on paying dividends, engaging in share repurchases, and paying discretionary bonuses based on percentages of eligible retained income that could be utilized for such actions. As of September 30, 2025, the Company's and Bank's risk-based capital exceeded the required capital contribution buffer.
Dividends paid by HomeTrust Bank are limited, without prior regulatory approval, to current year earnings and earnings less dividends paid during the preceding two years.
Item 3. Quantitative and Qualitative Disclosures About Market Risk
There has not been any material change in the market risk disclosures contained in our 2024 Form 10-K.
45

Item 4. Controls and Procedures
Evaluation of Disclosure Controls and Procedures: An evaluation of our disclosure controls and procedures (as defined in Rule 13a-15(e) of the Securities Exchange Act of 1934 (the "Act")) as of September 30, 2025, was carried out under the supervision and with the participation of the Company's Chief Executive Officer, Chief Financial Officer and several other members of the Company's senior management. The Company's Chief Executive Officer and Chief Financial Officer concluded that the Company's disclosure controls and procedures in effect as of September 30, 2025, were effective in ensuring that the information required to be disclosed by the Company in the reports it files or submits under the Act is: (i) accumulated and communicated to the Company's management (including the Chief Executive Officer and Chief Financial Officer) in a timely manner and (ii) recorded, processed, summarized and reported within the time periods specified in the SEC's rules and forms.
The Company does not expect that its disclosure controls and procedures and internal control over financial reporting will prevent all errors and all fraud. A control procedure, no matter how well conceived and operated, can provide only reasonable, not absolute, assurance that the objectives of the control procedure are met. Because of the inherent limitations in all control procedures, no evaluation of controls can provide absolute assurance that all control issues and instances of fraud, if any, within the Company have been detected. These inherent limitations include the realities that judgments in decision-making can be faulty, and that breakdowns can occur because of simple error or mistake. Additionally, controls may be circumvented by the individual acts of some persons, by collusion of two or more people, or by override of the control. The design of any control procedure also is based in part upon certain assumptions about the likelihood of future events, and there can be no assurance that any design will succeed in achieving its stated goals under all potential future conditions; over time, controls may become inadequate because of changes in conditions, or the degree of compliance with the policies or procedures may deteriorate. Because of the inherent limitations in a cost-effective control procedure, misstatements due to error or fraud may occur and not be detected.
Changes in Internal Controls: There have been no changes in the Company’s internal control over financial reporting during the quarter ended September 30, 2025 that have materially affected, or are reasonably likely to materially affect, the Company’s internal control over financial reporting.
PART II. OTHER INFORMATION
Item 1. Legal Proceedings
The "Litigation" section of "Note 13 – Commitments and Contingencies" to the Consolidated Financial Statements included in Part I, Item 1 is incorporated herein by reference.
Item 1A. Risk Factors
There have been no material changes in the Risk Factors previously disclosed in Item 1A of the 2024 Form 10-K.
Item 2. Unregistered Sales of Equity Securities and Use of Proceeds
(a) Not applicable
(b) Not applicable
(c) The following table provides information about repurchases of common stock by the Company during the quarter ended September 30, 2025:
PeriodTotal # of Shares PurchasedAverage Price Paid per ShareTotal # of Shares Purchased as Part of Publicly Announced PlansMaximum # of
Shares that May
Yet Be Purchased Under Publicly Announced Plans
July 1 - July 31, 2025— $— — 149,944 
August 1 - August 31, 2025— — — 149,944 
September 1 - September 30, 2025— — — 149,944 
Total— $— — 149,944 
Over the years as a public company, the Company's Board of Directors has, from time to time, authorized the repurchase of its common stock. The most recent time this was done, on February 28, 2022, 806,000 shares of common stock were authorized for repurchase representing approximately 5% of the Company's outstanding shares at the time of the announcement. As of September 30, 2025, 656,056 of these shares had been purchased at an average price of $29.76 per share, 93,212 of which were repurchased during the nine months ended September 30, 2025. The shares may be purchased in the open market or in privately negotiated transactions, from time to time depending upon market conditions and other factors.
Item 3. Defaults Upon Senior Securities
Nothing to report.
Item 4. Mine Safety Disclosures
Not applicable.
Item 5. Other Information
Trading Plans: During the quarter ended September 30, 2025, no director or officer (as defined in Rule 16a-1(f) under the Exchange Act) of the Company adopted or terminated a "Rule 10b5-1 trading arrangement" or "non-Rule 10b5-1 trading arrangement," as each term is defined in Item 408(a) of Regulation S-K.

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Item 6. Exhibits
Regulation
S-K Exhibit #		DocumentReference to Prior Filing or Exhibit # Attached Hereto
   
3.1
Charter of HomeTrust Bancshares, Inc.
(d)
3.2
Amended and Restated Bylaws of HomeTrust Bancshares, Inc.
(w)
10.1
HomeTrust Bancshares, Inc. Senior Leadership Incentive Plan (formerly known as Operating Committee Incentive Program)
(n)
10.2
Amended and Restated Employment and Transition Agreement between HomeTrust Bancshares, Inc. and Dana L. Stonestreet
(a)
10.3
Amended and Restated Employment Agreement between HomeTrust Bancshares, Inc. and C. Hunter Westbrook
(g)
10.3A
Amendment No. 1 to Amended and Restated Employment Agreement between HomeTrust Bancshares, Inc. and C. Hunter Westbrook
(b)
10.3B
Amendment No. 2 to Amended and Restated Employment Agreement between HomeTrust Bancshares, Inc. and C. Hunter Westbrook
(h)
10.3C
Amendment No. 3 to Amended and Restated Employment Agreement between HomeTrust Bancshares, Inc. and C. Hunter Westbrook
(o)
10.3D
Amendment No. 4 to Amended and Restated Employment Agreement between HomeTrust Bancshares, Inc. and C. Hunter Westbrook
(e)
10.4
Amended and Restated Employment Agreement between HomeTrust Bancshares, Inc. and Tony J. VunCannon
(g)
10.4A
Amendment No. 1 to Amended and Restated Employment Agreement between HomeTrust Bancshares, Inc. and Tony VunCannon
(a)
10.5
HomeTrust Bank Executive Supplemental Retirement Income Master Agreement (“SERP”)
(d)
10.6
Amendment No. 1 to SERP
(m)
10.7
Amendment No. 2 to SERP
(l)
10.7A
SERP Joinder Agreement for F. Edward Broadwell, Jr.
(d)
10.7B
SERP Joinder Agreement for Dana L. Stonestreet
(d)
10.7C
SERP Joinder Agreement for Tony J. VunCannon
(d)
10.7D
SERP Joinder Agreement for Howard L. Sellinger
(d)
10.7E
SERP Joinder Agreement for Stan Allen
(d)
10.7F
SERP Joinder Agreement for Sidney A. Biesecker
(d)
10.7G
SERP Joinder Agreement for Peggy C. Melville
(d)
10.7H
SERP Joinder Agreement for William T. Flynt
(d)
10.7I
Amended and Restated Supplemental Income Agreement between HomeTrust Bank, as successor to Industrial Federal Savings Bank, and Sidney Biesecker
(i)
10.8
HomeTrust Bank Director Emeritus Plan (“Director Emeritus Plan”)
(d)
10.8A
Director Emeritus Plan Joinder Agreement for William T. Flynt
(d)
10.8B
Director Emeritus Plan Joinder Agreement for J. Steven Goforth
(d)
10.8C
Director Emeritus Plan Joinder Agreement for Craig C. Koontz
(d)
10.8D
Director Emeritus Plan Joinder Agreement for Larry S. McDevitt
(d)
10.8E
Director Emeritus Plan Joinder Agreement for F.K. McFarland, III
(d)
10.8F
Director Emeritus Plan Joinder Agreement for Peggy C. Melville
(d)
10.8G
Director Emeritus Plan Joinder Agreement for Robert E. Shepherd, Sr.
(d)
10.9
HomeTrust Bank Defined Contribution Executive Medical Care Plan
(d)
10.9A
Amendment No. 1 to HomeTrust Bank Defined Contribution Executive Medical Care Plan
(m)
10.9B
Form of Joinder Agreement Under the HomeTrust Bank Defined Contribution Executive Medical Care Plan
(m)
10.9C
Amendment No. 2 to HomeTrust Bank Defined Contribution Executive Medical Care Plan
(r)
10.9D
Amendment No. 3 to HomeTrust Bank Defined Contribution Executive Medical Care Plan
(t)
10.10
HomeTrust Bank 2005 Deferred Compensation Plan
(d)
10.10A
Amendment No. 1 to HomeTrust Bank 2005 Deferred Compensation Plan
(m)
10.11
HomeTrust Bank Pre-2005 Deferred Compensation Plan
(d)
10.11A
Amendment No. 1 to HomeTrust Bank Pre-2005 Deferred Compensation Plan
(m)
10.12
HomeTrust Bank 2025 Deferred Compensation Plan
(x)
10.13
HomeTrust Bancshares, Inc. 2013 Omnibus Incentive Plan (“2013 Omnibus Incentive Plan”)
(j)
10.13A
Form of Incentive Stock Option Award Agreement under 2013 Omnibus Incentive Plan
(k)
10.13B
Form of Non-Qualified Stock Option Award Agreement under 2013 Omnibus Incentive Plan
(k)
47

Regulation
S-K Exhibit #		DocumentReference to Prior Filing or Exhibit # Attached Hereto
10.13C
Form of Stock Appreciation Right Award Agreement under 2013 Omnibus Incentive Plan
(k)
10.13D
Form of Restricted Stock Award Agreement under 2013 Omnibus Incentive Plan
(k)
10.13E
Form of Restricted Stock Unit Award Agreement under 2013 Omnibus Incentive Plan
(k)
10.14
HomeTrust Bancshares, Inc. 2022 Omnibus Incentive Plan (“2022 Omnibus Incentive Plan”)
(q)
10.14A
Form of Non-Qualified Stock Option Award Agreement under the Registrant’s 2022 Omnibus Incentive Plan
(u)
10.14B
Form of Restricted Stock Award Agreement for Employees under the Registrant’s 2022 Omnibus Incentive Plan
(u)
10.14C
Form of Restricted Stock Award Agreement for Directors under the Registrant’s 2022 Omnibus Incentive Plan
(u)
10.15
Amended and Restated Change in Control Severance Agreement between HomeTrust Bancshares, Inc. and John Sprink
(s)
10.16
Change in Control Severance Agreement between HomeTrust Bancshares, Inc. and Kristin Powell
(r)
10.16A
Amendment No. 1 to Change in Control Severance Agreement between HomeTrust Bancshares, Inc. and Kristin Powell
(a)
10.17
Change in Control Severance Agreement between HomeTrust Bancshares, Inc. and Megan Pelletier
(a)
10.18
Change in Control Severance Agreement between HomeTrust Bancshares, Inc. and Lora Jex
(p)
10.19
Change in Control Severance Agreement between HomeTrust Bancshares, Inc. and Chuck Sivley
(v)
10.20
Change in Control Severance Agreement between HomeTrust Bancshares, Inc. and Kevin Nunley
(c)
31.1
Certification of Chief Executive Officer pursuant to Securities Exchange Act Rules 13a-14(a) and 15d-14(a) as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002
31.1
31.2
Certification of Chief Financial Officer pursuant to Securities Exchange Act Rules 13a-14(a) and 15d-14(a) as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002
31.2
32.0
Certificate of Chief Executive Officer and Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002
32.0
97
Policy Relating to Recovery of Erroneously Awarded Compensation
(f)
101The following materials from HomeTrust Bancshares’ Annual Report on Form 10-K for the year ended December 31, 2024, formatted in Extensible Business Reporting Language (XBRL): (a) Consolidated Balance Sheets; (b) Consolidated Statements of Income; (c) Consolidated Statements of Comprehensive Income; (d) Consolidated Statements of Changes in Stockholders' Equity; (e) Consolidated Statements of Cash Flows; and (f) Notes to Consolidated Financial Statements.101
(a)Filed as an exhibit to HomeTrust Bancshares's Annual Report on Form 10-K for the fiscal year ended June 30, 2022 (File No. 001-35593).
(b)Filed as an exhibit to HomeTrust Bancshares's Current Report on Form 8-K filed on September 25, 2018 (File No. 001-35593).
(c)Filed as an exhibit to HomeTrust Bancshares's Quarterly Report on Form 10-Q for the quarter ended September 30, 2024 (File No. 001-35593).
(d)Filed as an exhibit to HomeTrust Bancshares's Registration Statement on Form S-1 filed on December 29, 2011 (File No. 333-178817).
(e)Filed as an exhibit to HomeTrust Bancshares's Current Report on Form 8-K filed on May 24, 2022 (File No. 001-35593).
(f)Filed as an exhibit to HomeTrust Bancshares's Transition Report on Form 10-KT for the-six month transition period ended December 31, 2023 (File No. 001-35593).
(g)Filed as an exhibit to HomeTrust Bancshares's Current Report on Form 8-K filed on September 11, 2018 (File No. 001-35593).
(h)Filed as an exhibit to HomeTrust Bancshares's Current Report on Form 8-K filed on October 28, 2020 (File No. 001-35593).
(i)Filed as an exhibit to Amendment No. 1 to HomeTrust Bancshares's Registration Statement on Form S-1 filed on March 9, 2012 (File No. 333-178817).
(j)Attached as Appendix A to HomeTrust Bancshares's definitive proxy statement filed on December 5, 2012 (File No. 001-35593).
(k)Filed as an exhibit to HomeTrust Bancshares's Registration Statement on Form S-8 filed on February 13, 2013 (File No. 333-186666).
(l)Filed as an exhibit to HomeTrust Bancshares's Current Report on Form 8-K filed on February 15, 2022 (File No. 001-35593).
(m)Filed as an exhibit to HomeTrust Bancshares's Quarterly Report on Form 10-Q for the quarter ended March 31, 2022 (File No. 001-35593).
(n)Filed as an exhibit to HomeTrust Bancshares's Annual Report on Form 10-K for the fiscal year ended December 31, 2024 (File No. 001-35593).
(o)Filed as an exhibit to HomeTrust Bancshares's Current Report on Form 8-K filed on July 28, 2021 (File No. 001-35593).
(p)Filed as an exhibit to HomeTrust Bancshares's Quarterly Report on Form 10-Q for the quarter ended September 30, 2023 (File No. 001-35593).
(q)Attached as Appendix A to HomeTrust Bancshares's definitive proxy statement filed on October 3, 2022 (File No. 001-35593).
(r)Filed as an exhibit to HomeTrust Bancshares's Quarterly Report on Form 10-Q for the quarter ended September 30, 2022 (File No. 001-35593).
(s)Filed as an exhibit to HomeTrust Bancshares's Annual Report on Form 10-K for the fiscal year ended June 30, 2023 (File No. 001-35593).
(t)Filed as an exhibit to HomeTrust Bancshares's Current Report on Form 8-K filed on August 28, 2023 (File No. 001-35593).
(u)Filed as an exhibit to HomeTrust Bancshares's Registration Statement on Form S-8 filed on February 6, 2023 (File No. 333-186666).
(v)Filed as an exhibit to HomeTrust Bancshares's Quarterly Report on Form 10-Q for the quarter ended June 30, 2024 (File No. 001-35593).
(w)Filed as an exhibit to HomeTrust Bancshares's Current Report on Form 8-K filed on February 11, 2025 (File No. 001-35593).
(x)Filed as an exhibit to HomeTrust Bancshares's Current Report on Form 8-K filed on April 1, 2025 (File No. 001-35593).

48

SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.
HOMETRUST BANCSHARES, INC.
Date: November 6, 2025By:/s/ C. Hunter Westbrook
C. Hunter Westbrook
President and Chief Executive Officer
(Duly Authorized Officer)
Date: November 6, 2025By:/s/ Tony J. VunCannon
Tony J. VunCannon
Executive Vice President, CFO, Corporate Secretary and Treasurer
(Principal Financial and Accounting Officer)

49

Source: View Original Filing on SEC EDGAR

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Hometrust Bancshares Inc

NYSE:HTB

HTB Rankings

#3056 Ranked by Market Cap
#1717 Ranked by Dividends

HTB Latest News

Nov 17, 2025
HomeTrust Bank Recognized Nationally with Three Workplace Awards, Advances to Top 100 Most Loved Workplace®
Oct 22, 2025
HomeTrust Bancshares, Inc. Announces Financial Results for the Third Quarter of the Year Ending December 31, 2025 and an Increase in the Quarterly Dividend
Sep 2, 2025
HomeTrust Bank Named 2025 Best Place to Work for Women and Best Place to Work in South Carolina
Jul 22, 2025
HomeTrust Bancshares, Inc. Announces Financial Results for the Second Quarter of the Year Ending December 31, 2025 and Declaration of a Quarterly Dividend
May 8, 2025
HomeTrust Bank Further Recognized for Strong Financial Performance and as a Most Loved Workplace

HTB Latest SEC Filings

Nov 12, 2025
[SCHEDULE 13G/A] HomeTrust Bancshares, Inc. SEC Filing
Oct 22, 2025
[8-K] HomeTrust Bancshares, Inc. Reports Material Event
Oct 6, 2025
[8-K] HomeTrust Bancshares, Inc. Reports Material Event

HTB Stock Data

690.96M
15.70M
9.87%
60.54%
0.55%
Banks - Regional
Savings Institution, Federally Chartered
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United States
ASHEVILLE