HomeTrust Bancshares Q3 earnings rise to $18M

Nine-month operating cash flow was $122.608 million, alongside repurchases and retirement of 1,610,743 shares.

Available on EDGAR 11/06/2026 - 04:08 PM EST Accepted by SEC EDGAR 11/06/2026 - 04:06 PM EST Learn about SEC filing dates

Rhea-AI Filing Summary

HomeTrust Bancshares, Inc. (HTB) reported third-quarter 2026 net income of $17.965 million, compared with $16.491 million a year earlier; diluted earnings per share were $1.11 versus $0.95. Net interest income was $46.463 million, compared with $45.389 million. Provision for credit losses was $0.805 million versus $2.015 million, while noninterest expense was $34.137 million versus $31.266 million.

For the nine months ended September 30, 2026, net income was $50.367 million, compared with $48.240 million, and net cash provided by operating activities was $122.608 million versus $52.880 million. The bank repurchased and retired 1,610,743 shares for $75.048 million; it declared cash dividends of $0.43 per common share for the nine-month period, including $0.15 per share for the third quarter. At September 30, total assets were $4,421.757 million, deposits were $3,583.609 million and borrowings were $214.000 million.

3 points · 0 major

PositiveiHow this balance works

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Rhea-AI gives every point it takes from this document a weight. Minor counts 1, Moderate 3 and Major 9, so one Major point outweighs several Minor ones. The bar adds up the weights on each side, and when neither side holds more than 65% of the total the balance reads Mixed.

It reads the document as published, with the same rules for every company, and it does not look at what the market expected or at how the stock traded, so a point can be objectively good on a day the stock falls.

Rhea-AI Sentiment measures something else, the tone of the wording.

How the balance worksHow Sentiment works

0 major · 0 points

How the balance works

Positive

• Moderate pointThird-quarter net income reached $17.965 million, versus $16.491 million.
• Moderate pointNine-month operating cash flow was $122.608 million, versus $52.880 million.
• Moderate pointThird-quarter cash dividends were $0.15 per share, compared with $0.12 a year earlier.

Negative

• None.

Filing Explained

The unaudited quarterly filing reports HomeTrust's nonaccrual loans at $65,811 thousand on September 30, 2026, versus $43,776 thousand at December 31, 2025; $22,665 thousand of the September balance was fully SBA-guaranteed.

Key Figures

Third-quarter net income: $17.965 million Diluted earnings per share: $1.11 Net interest income: $46.463 million +5 more

8 metrics

Third-quarter net income $17.965 million Three months ended September 30, 2026; $16.491 million in 2025

Diluted earnings per share $1.11 Three months ended September 30, 2026; $0.95 in 2025

Net interest income $46.463 million Three months ended September 30, 2026; $45.389 million in 2025

Net cash provided by operating activities $122.608 million Nine months ended September 30, 2026; $52.880 million in 2025

Shares repurchased and retired 1,610,743 shares Nine months ended September 30, 2026

Cash dividends declared per common share $0.15 per common share Three months ended September 30, 2026; $0.12 in 2025

Total assets $4,421.757 million September 30, 2026

Cash paid for common stock repurchases $75.048 million Nine months ended September 30, 2026

Key Terms

Allowance for Credit Losses, Available-for-Sale, Collateral Dependent Asset, nonaccrual status, +1 more

5 terms

Allowance for Credit Losses financial

"Allowance for Credit Losses – loans"

Allowance for credit losses is a reserve set aside by a financial institution to cover potential losses from borrowers who may not repay their loans. It acts like a safety net, helping the institution prepare for loans that might turn sour. For investors, it signals how cautious the institution is about the quality of its loans and potential risks to its financial health.

Available-for-Sale financial

"AFS | Available-for-Sale"

A classification for bonds, stocks or other investments that a company plans to keep but might sell before they reach full term. Think of it like items a shop keeps on a shelf for potential sale: their market value can go up or down while the company holds them, and those unrealized gains or losses are shown separately from operating profit until they are sold. Investors watch this because large swings can change a company’s reported net worth and signal how much flexibility it has to raise cash quickly.

Collateral Dependent Asset financial

"CDA | Collateral Dependent Asset"

nonaccrual status financial

"loans on nonaccrual status"

Nonaccrual status is when a lender stops recording interest income on a loan because payments are late or the borrower’s ability to pay is in serious doubt. For investors this is a red flag: it signals deteriorating loan quality, can reduce reported earnings and may require the lender to set aside more reserves, much like marking a damaged product off the books until its value is clear.

Substandard financial

"Substandard – A substandard loan has"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What was HTB's net income in the third quarter of 2026?

HomeTrust Bancshares reported net income of $17.965 million for the three months ended September 30, 2026. Diluted earnings per share were $1.11, compared with net income of $16.491 million and diluted earnings per share of $0.95 in the 2025 quarter.

How many shares did HTB repurchase in 2026?

HomeTrust repurchased and retired 1,610,743 shares for $75.048 million during the nine months ended September 30, 2026. The statement of stockholders' equity reports that 923,897 shares were repurchased and retired during the three months ended September 30, 2026.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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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, 2026

☐            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 class			Trading symbol			Name of each exchange on which registered
Common Stock, par value $0.01 per share			HTB			The 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 15,816,410 shares of common stock, par value of $0.01 per share, issued and outstanding as of October 30, 2026.

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, 2026 (Unaudited) and December 31, 2025						3
			Consolidated Statements of Income (Unaudited) for the Three and Nine Months Ended September 30, 2026 and 2025						4
			Consolidated Statements of Comprehensive Income (Unaudited) for the Three and Nine Months Ended September 30, 2026 and 2025						5
			Consolidated Statements of Changes in Stockholders' Equity (Unaudited) for the Three and Nine Months Ended September 30, 2026 and 2025						6
			Consolidated Statements of Cash Flows (Unaudited) for the Nine Months Ended September 30, 2026 and 2025						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						48
Item 4			Controls and Procedures						48
PART II OTHER INFORMATION
Item 1			Legal Proceedings						49
Item 1A			Risk Factors						49
Item 2			Unregistered Sales of Equity Securities and Use of Proceeds						49
Item 3			Defaults Upon Senior Securities						49
Item 4			Mine Safety Disclosures						49
Item 5			Other Information						49
Item 6			Exhibits						50
SIGNATURES									52

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.

Term						Definition
ACL						Allowance for Credit Losses
AFS						Available-for-Sale
ASC						Accounting Standards Codification
ASU						Accounting Standards Update
BOLI						Bank Owned Life Insurance
CD						Certificate of Deposit
CDA						Collateral Dependent Asset
CECL						Current Expected Credit Losses
CET1						Common Equity Tier 1
ECL						Expected Credit Losses
EPS						Earnings Per Share
ESOP						Employee Stock Ownership Plan
FASB						Financial Accounting Standards Board
FDIC						Federal Deposit Insurance Corporation
Federal Reserve						Board of Governors of the Federal Reserve System
FHLB or FHLB of Atlanta						Federal Home Loan Bank of Atlanta
FRB						Federal Reserve Bank of Richmond
GSE						Government-Sponsored Enterprises
HELOC						Home Equity Line of Credit
IRLC						Interest Rate Lock Commitments
MBS						Mortgage-Backed Securities
NCCOB						North Carolina Office of the Commissioner of Banks
PCD						Purchased Financial Assets with Credit Deterioration
Quantum						Quantum Capital Corp. and its wholly owned subsidiary, Quantum National Bank
ROA						Return on Assets
ROE						Return on Equity
ROU						Right of Use
RSU						Restricted Stock Unit
SBA						U.S. Small Business Administration
SBIC						Small Business Investment Companies
SEC						Securities and Exchange Commission
SOFR						Secured Overnight Financing Rate
TBA						To-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, 2026						December 31, 2025
Assets
Cash			$	15,001					$	14,411
Interest-bearing deposits			231,465						310,281
Cash and cash equivalents			246,466						324,692
Certificates of deposit in other banks			8,697						18,841
Debt securities available for sale, at fair value (amortized cost of $143,078 and $141,793 at September 30, 2026 and December 31, 2025, respectively)			138,658						142,540
FHLB and FRB stock			15,983						13,636
SBIC investments			20,754						18,818
Loans held for sale, at fair value			4,172						7,005
Loans held for sale, at the lower of cost or fair value			97,317						198,688
Loans, net of deferred loan fees and costs			3,628,326						3,578,154
Allowance for credit losses – loans			(39,501)						(41,479)
Loans, net			3,588,825						3,536,675
Premises and equipment, net			62,483						62,400
Accrued interest receivable			13,438						15,973
Deferred income taxes, net			11,092						9,922
Income tax receivable			21,422						5,738
BOLI			96,380						93,930
Goodwill			34,111						34,111
Core deposit intangibles, net			3,870						4,848
Other assets			58,089						57,818
Total assets			$	4,421,757					$	4,545,635
Liabilities and stockholders' equity
Liabilities
Deposits			$	3,583,609					$	3,709,997
Junior subordinated debt			—						10,220
Borrowings			214,000						165,000
Other liabilities			54,014						59,728
Total liabilities			3,851,623						3,944,945
Commitments and contingencies – See Note 11
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, 15,816,210 and 17,286,289 shares issued and outstanding at September 30, 2026 and December 31, 2025, respectively			158						173
Additional paid in capital			96,598						166,856
Retained earnings			479,823						436,524
Unearned ESOP shares			(3,042)						(3,438)
Accumulated other comprehensive income (loss)			(3,403)						575
Total stockholders' equity			570,134						600,690
Total liabilities and stockholders' equity			$	4,421,757					$	4,545,635

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,
			2026						2025						2026						2025
Interest and dividend income
Loans			$	59,330					$	61,749					$	174,562					$	180,802
Debt securities available for sale			1,701						1,662						4,972						5,107
Other investments and interest-bearing deposits			1,858						1,984						6,025						6,762
Total interest and dividend income			62,889						65,395						185,559						192,671
Interest expense
Deposits			16,307						19,474						48,735						58,693
Junior subordinated debt			—						207						339						618
Borrowings			119						325						423						835
Total interest expense			16,426						20,006						49,497						60,146
Net interest income			46,463						45,389						136,062						132,525
Provision for credit losses			805						2,015						2,095						4,858
Net interest income after provision for credit losses			45,658						43,374						133,967						127,667
Noninterest income
Service charges and fees on deposit accounts			2,586						2,527						7,627						7,273
Loan income and fees			1,178						577						2,371						1,846
Gain on sale of loans held for sale			1,592						1,725						6,120						5,742
BOLI income			925						882						2,710						2,576
Operating lease income			1,731						1,777						5,030						5,032
Gain on sale of branches			—						—						—						1,448
Gain on sale of premises and equipment			21						—						1,499						28
Other			1,036						1,263						2,990						2,990
Total noninterest income			9,069						8,751						28,347						26,935
Noninterest expense
Salaries and employee benefits			20,128						18,508						60,174						54,415
Occupancy expense, net			2,551						2,563						7,598						7,449
Computer services			2,934						2,562						8,838						7,855
Operating lease depreciation expense			1,127						1,770						4,021						5,427
Telephone, postage and supplies			558						539						1,648						1,646
Marketing and advertising			837						471						1,838						1,365
Deposit insurance premiums			468						468						1,433						1,452
Core deposit intangible amortization			303						410						979						1,336
Merger-related expense			904						—						904						—
Loss on redemption of junior subordinated debt securities			—						—						1,079						—
Other			4,327						3,975						12,579						12,537
Total noninterest expense			34,137						31,266						101,091						93,482
Income before income taxes			20,590						20,859						61,223						61,120
Income tax expense			2,625						4,368						10,856						12,880
Net income			$	17,965					$	16,491					$	50,367					$	48,240
Per share data
Net income per common share
Basic			$	1.11					$	0.96					$	3.06					$	2.81
Diluted			$	1.11					$	0.95					$	3.04					$	2.79
Average shares outstanding
Basic			15,902,548						16,998,549						16,262,982						17,005,206
Diluted			15,999,202						17,130,030						16,378,622						17,117,605

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,
			2026						2025						2026						2025
Net income			$	17,965					$	16,491					$	50,367					$	48,240
Other comprehensive income (loss)
Unrealized holding gains (losses) on debt securities available for sale
Gains (losses) arising during the period			(3,852)						780						(5,167)						2,609
Deferred income tax benefit (expense)			887						(179)						1,189						(599)
Total other comprehensive income (loss)			(2,965)						601						(3,978)						2,010
Comprehensive income			$	15,000					$	17,092					$	46,389					$	50,250

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, 2026
			Common Stock												Additional Paid In Capital						Retained Earnings						Unearned ESOP Shares						Accumulated Other Comprehensive Income (Loss)						Total Stockholders' Equity
			Shares						Amount
Balance at June 30, 2026			16,727,821						$	168					$	139,759					$	464,285					$	(3,174)					$	(438)					$	600,600
Net income			—						—						—						17,965						—						—						17,965
Cash dividends declared on common stock, $0.15/common share			—						—						—						(2,427)						—						—						(2,427)
Common stock repurchased and retired			(923,897)						(10)						(44,806)						—						—						—						(44,816)
Forfeited restricted stock			(80)						—						—						—						—						—						—
Retired stock			(554)						—						—						—						—						—						—
Exercised stock options			12,920						—						300						—						—						—						300
Share-based compensation expense			—						—						835						—						—						—						835
ESOP compensation expense			—						—						510						—						132						—						642
Other comprehensive loss			—						—						—						—						—						(2,965)						(2,965)
Balance at September 30, 2026			15,816,210						$	158					$	96,598					$	479,823					$	(3,042)					$	(3,403)					$	570,134
			(Unaudited)
			Three Months Ended September 30, 2025
			Common Stock												Additional Paid In Capital						Retained Earnings						Unearned ESOP Shares						Accumulated Other Comprehensive Income (Loss)						Total Stockholders' Equity
			Shares						Amount
Balance at June 30, 2025			17,492,143						$	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 stock			1,000						—						—						—						—						—						—
Stock issued for RSUs			9,996						—						—						—						—						—						—
Exercised stock options			20,200						—						515						—						—						—						515
Share-based compensation expense			—						—						593						—						—						—						593
ESOP compensation expense			—						—						397						—						132						—						529
Other comprehensive income			—						—						—						—						—						601						601
Balance at September 30, 2025			17,520,425						$	175					$	176,289					$	422,615					$	(3,571)					$	325					$	595,833

6

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY

Consolidated Statements of Changes in Stockholders' Equity

(Dollars in thousands)

			(Unaudited)
			Nine Months Ended September 30, 2026
			Common Stock												Additional Paid In Capital						Retained Earnings						Unearned ESOP Shares						Accumulated Other Comprehensive Income (Loss)						Total Stockholders' Equity
			Shares						Amount
Balance at December 31, 2025			17,286,289						$	173					$	166,856					$	436,524					$	(3,438)					$	575					$	600,690
Net income			—						—						—						50,367						—						—						50,367
Cash dividends declared on common stock, $0.43/common share			—						—						—						(7,068)						—						—						(7,068)
Common stock repurchased and retired			(1,610,743)						(18)						(75,030)						—						—						—						(75,048)
Forfeited restricted stock			(3,538)						—						—						—						—						—						—
Retired stock			(55,685)						—						(593)						—						—						—						(593)
Granted restricted stock			61,047						—						—						—						—						—						—
Exercised stock options			138,840						3						1,622						—						—						—						1,625
Share-based compensation expense			—						—						2,315						—						—						—						2,315
ESOP compensation expense			—						—						1,428						—						396						—						1,824
Other comprehensive loss			—						—						—						—						—						(3,978)						(3,978)
Balance at September 30, 2026			15,816,210						$	158					$	96,598					$	479,823					$	(3,042)					$	(3,403)					$	570,134
			(Unaudited)
			Nine Months Ended September 30, 2025
			Common Stock												Additional Paid In Capital						Retained Earnings						Unearned ESOP Shares						Accumulated Other Comprehensive Income (Loss)						Total Stockholders' Equity
			Shares						Amount
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 and retired			(93,212)						(1)						(3,333)						—						—						—						(3,334)
Forfeited restricted stock			(3,621)						—						—						—						—						—						—
Retired stock			(14,676)						—						(558)						—						—						—						(558)
Granted restricted stock			60,329						—						—						—						—						—						—
Stock issued for RSUs			9,996						—						—						—						—						—						—
Exercised stock options			33,900						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, 2025			17,520,425						$	175					$	176,289					$	422,615					$	(3,571)					$	325					$	595,833

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,
			2026						2025
Operating activities
Net income			$	50,367					$	48,240
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses			2,095						4,858
Depreciation and amortization of premises and equipment and equipment for operating leases			7,091						8,437
Deferred income tax expense			19						346
Net accretion of purchase accounting adjustments on loans			(2,427)						(1,694)
Net amortization and accretion			1,353						2,920
SBIC investments income			(1,306)						(2,254)
Gain on sale of branches			—						(1,448)
Gain on sale of premises and equipment			(1,499)						(28)
Loss on repossessed assets			86						331
(Gain) loss on previously leased equipment			(98)						1,525
Loss on redemption of junior subordinated debt securities			1,079						—
BOLI income			(2,710)						(2,576)
Gain on sale of loans held for sale			(6,120)						(5,742)
Origination of loans held for sale			(236,270)						(352,105)
Proceeds from sales of loans held for sale			322,504						353,638
New deferred loan origination fees, net			1,919						76
Amortization of tax credit equity investments			2,981						282
(Increase) decrease in accrued interest receivable, income tax receivable and other assets			(15,541)						4,422
Share-based compensation expense			2,315						1,579
ESOP compensation expense			1,824						1,458
Decrease in accrued interest payable and other liabilities			(5,054)						(9,385)
Net cash provided by operating activities			122,608						52,880
Investing activities
Purchase of debt securities available for sale			(31,413)						(11,683)
Proceeds from maturities, calls and paydowns of debt securities available for sale			30,769						21,550
Purchases of CDs in other banks			—						(1,742)
Proceeds from maturities of CDs in other banks			10,144						9,447
Net purchase of FHLB and FRB stock			(2,347)						(695)
Net capital contributions in SBIC investments			(630)						(975)
Net capital redemption of (contribution in) tax credit equity investments			514						(1,276)
Net capital contribution in fintech equity investments			(750)						—
Net (increase) decrease in loans			(45,014)						11,216
Purchase of BOLI			(8)						(30)
Proceeds from redemption of BOLI policies			—						2,174
Death benefit proceeds from BOLI policies			268						—
Purchase of equipment for operating leases - lessor			(733)						(2,550)
Proceeds from sale of equipment for operating leases - lessor			8,317						1,410
Purchase of premises and equipment			(3,201)						(3,123)
Proceeds from sale of premises and equipment and assets held for sale			2,205						7,652
Proceeds from sale of repossessed assets			858						544
Net cash (used in) provided by investing activities			(31,021)						31,919

8

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY

Consolidated Statements of Cash Flows (continued)

(Dollars in thousands)

			(Unaudited)
			Nine Months Ended September 30,
			2026						2025
Financing activities
Deposits assumed by third parties through branch sales			—						(34,252)
Net decrease in deposits			(126,388)						(46,724)
Net increase in short-term borrowings			49,000						42,000
Redemption of junior subordinated debt securities			(11,341)						—
Common stock repurchased			(75,048)						(3,334)
Cash dividends paid			(7,068)						(6,166)
Retired stock			(593)						(558)
Exercised stock options			1,625						846
Net cash used in financing activities			(169,813)						(48,188)
Net (decrease) increase in cash and cash equivalents			(78,226)						36,611
Cash and cash equivalents at beginning of period			324,692						279,219
Cash and cash equivalents at end of period			$	246,466					$	315,830

Supplemental disclosures
Cash paid during the period for
Interest			$	52,980					$	65,309
Income taxes, net of refunds			25,730						14,593
Noncash transactions
Unrealized (loss of) gain in value of debt securities available for sale, net of income taxes			$	(3,978)					$	2,010
Transfers of loans held for sale to loans held for investment			23,645						15,026
Transfers of loans held for investment to repossessed assets			5,065						293
Transfer of premises and equipment to assets held for sale			—						7,624
ROU asset and lease liabilities for operating lease accounting			—						776

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 ("the Trust") Delaware trust. The sole assets of the trust represented the proceeds of offerings loaned in exchange for subordinated debentures with similar terms to the trust preferred securities; however, the Company elected to redeem the junior subordinated debt securities on June 15, 2026 as discussed further in "Note 7 – Borrowings – Junior Subordinated Debentures." As its sole purpose has been fulfilled, the Company dissolved the trust in the third quarter of 2026.

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, 2025 ("2025 Form 10-K") filed with the SEC on March 13, 2026. The results of operations for the nine months ended September 30, 2026 are not necessarily indicative of results that may be expected for the fiscal year ending December 31, 2026, 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 2025 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 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 amongst 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 operating results or financial condition, but will impact disclosures.

ASU 2025-06, "Intangibles—Goodwill and Other—Internal-Use Software (Subtopic 350-40): Targeted Improvements to the Accounting for Internal-Use Software." In September 2025, the FASB issued ASU 2025-06 which removes all references to prescriptive and sequential software development stages (i.e., project stages), instead requiring an entity to start capitalizing software costs when both of the following occur: 1) management has authorized and committed to funding the software project, and 2) it is probable that the project will be completed and the software will be used to perform the intended function. This ASU is effective for public business entities for interim and annual reporting periods beginning after December 15, 2027. The adoption of the provisions of ASU 2025-06 is not expected to have a material effect on the Company's operating results or financial condition.

ASU 2025-08, "Financial Instruments—Credit Losses (Topic 326): Purchased Loans." In November 2025, the FASB issued ASU 2025-08 which simplifies the accounting for acquired loans under CECL by expanding the use of the gross-up method to a new category of purchased seasoned loans, defined as acquired loans purchased more than 90 days after origination, or through a business combination, when the acquirer was not involved in the origination. This ASU is effective for public business entities for interim and annual reporting periods beginning after December 15, 2026. The adoption of the provisions of ASU 2025-06 is not expected to have an impact on the Company's operating results or financial condition, but will impact the Company's accounting for future purchased loans.

10

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

3.    Debt Securities

Debt securities available for sale consist of the following at the dates indicated:

			September 30, 2026
			Amortized Cost						Gross Unrealized Gains						Gross Unrealized Losses						Estimated Fair Value
MBS, residential			$	139,155					$	20					$	(4,256)					$	134,919
Municipal bonds			1,423						—						(23)						1,400
Corporate bonds			2,500						—						(161)						2,339
Total			$	143,078					$	20					$	(4,440)					$	138,658

			December 31, 2025
			Amortized Cost						Gross Unrealized Gains						Gross Unrealized Losses						Estimated Fair Value
MBS, residential			$	134,950					$	2,003					$	(871)					$	136,082
Municipal bonds			1,843						—						(17)						1,826
Corporate bonds			5,000						—						(368)						4,632
Total			$	141,793					$	2,003					$	(1,256)					$	142,540

Debt securities available for sale by contractual maturity at September 30, 2026 and December 31, 2025 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, 2026
			Amortized Cost						Estimated Fair Value
Due within one year			$	1,005					$	997
Due after one year through five years			1,168						1,153
Due after five years through ten years			1,750						1,589
Due after ten years			—						—
MBS, residential			139,155						134,919
Total			$	143,078					$	138,658

			December 31, 2025
			Amortized Cost						Estimated Fair Value
Due within one year			$	409					$	408
Due after one year through five years			1,434						1,418
Due after five years through ten years			5,000						4,632
Due after ten years			—						—
MBS, residential			134,950						136,082
Total			$	141,793					$	142,540

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, 2026 or 2025.

Debt securities available for sale with amortized costs totaling $44,785 and $73,944 and market values of $43,063 and $74,987 at September 30, 2026 and December 31, 2025, respectively, were pledged as collateral to secure various public deposits and other borrowings.

The gross unrealized losses and the fair value of 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, 2026 and December 31, 2025 were as follows:

			September 30, 2026
			Less than 12 Months												12 Months or More												Total
			Fair Value						Unrealized Losses						Fair Value						Unrealized Losses						Fair Value						Unrealized Losses
MBS, residential			$	110,040					$	(3,258)					$	14,283					$	(998)					$	124,323					$	(4,256)
Municipal bonds			497						(3)						903						(20)						1,400						(23)
Corporate bonds			—						—						1,589						(161)						1,589						(161)
Total			$	110,537					$	(3,261)					$	16,775					$	(1,179)					$	127,312					$	(4,440)

11

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

			December 31, 2025
			Less than 12 Months												12 Months or More												Total
			Fair Value						Unrealized Losses						Fair Value						Unrealized Losses						Fair Value						Unrealized Losses
MBS, residential			$	9,478					$	(75)					$	26,409					$	(796)					$	35,887					$	(871)
Municipal bonds			—						—						1,326						(17)						1,326						(17)
Corporate bonds			—						—						3,882						(368)						3,882						(368)
Total			$	9,478					$	(75)					$	31,617					$	(1,181)					$	41,095					$	(1,256)

The total number of securities with unrealized losses at September 30, 2026 and December 31, 2025 were 148 and 119, 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, 2026 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 2025 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, 2026 and December 31, 2025, the accrued interest receivable for debt securities available for sale was $526 and $554, respectively.

4.    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, 2026						December 31, 2025
One-to-four family			$	532					$	304
SBA			40,105						35,567
HELOCs			56,680						162,817
Total loans held for sale, at the lower of cost or fair value			$	97,317					$	198,688

The carrying balance of loans held for sale, at fair value, was $4,172 and $7,005 at September 30, 2026 and December 31, 2025, respectively, while the amortized cost of these loans was $4,207 and $6,896, respectively, at the same dates.

12

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

5.    Loans and Allowance for Credit Losses on Loans

Loans consist of the following at the dates indicated(1):

			September 30, 2026						December 31, 2025
Commercial real estate
Construction and land development			$	336,851					$	277,028
Commercial real estate – owner occupied			554,160						562,049
Commercial real estate – non-owner occupied			826,745						832,502
Multifamily			137,122						110,912
Total commercial real estate			1,854,878						1,782,491
Commercial
Commercial and industrial			418,045						378,686
Equipment finance			237,065						311,356
Municipal leases			162,410						166,396
Total commercial			817,520						856,438
Residential real estate
Construction and land development			50,206						45,617
One-to-four family			623,822						633,511
HELOCs			255,991						217,310
Total residential real estate			930,019						896,438
Consumer			25,909						42,787
Total loans, net of deferred loan fees and costs			3,628,326						3,578,154
Allowance for credit losses – loans			(39,501)						(41,479)
Loans, net			$	3,588,825					$	3,536,675

(1)    September 30, 2026 and December 31, 2025 accrued interest receivable of $12,664 and $15,305 was accounted for separately from the amortized cost basis.

All qualifying one-to-four family loans, HELOCs, 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. The aggregate amount of loans to related parties totaled $0 at both September 30, 2026 and December 31, 2025. In relation to these loans are unfunded commitments that totaled approximately $3 at both September 30, 2026 and December 31, 2025.

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, 2026. Also included in the table detailing loan balances are gross charge-offs for the nine months ended September 30, 2026:

			Term Loans By Origination Fiscal Year
September 30, 2026			2026						2025						2024						2023-S(1)						2023						Prior						Revolving						Total
Construction and land development
Risk rating
Pass			$	124,189					$	122,566					$	35,872					$	14,123					$	4,710					$	17,321					$	16,265					$	335,046
Special mention			—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						1,805						—						1,805
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total construction and land development			$	124,189					$	122,566					$	35,872					$	14,123					$	4,710					$	19,126					$	16,265					$	336,851
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Commercial real estate – owner occupied
Risk rating
Pass			$	54,613					$	97,201					$	48,403					$	33,847					$	52,416					$	227,559					$	9,693					$	523,732
Special mention			—						—						—						—						1,359						3,296						—						4,655
Substandard			159						849						295						3,187						755						18,737						—						23,982
Doubtful			—						—						—						—						1,772						14						—						1,786
Loss			—						—						—						—						—						5						—						5
Total commercial real estate – owner occupied			$	54,772					$	98,050					$	48,698					$	37,034					$	56,302					$	249,611					$	9,693					$	554,160
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	125					$	15					$	—					$	140
Commercial real estate – non-owner occupied
Risk rating
Pass			$	146,128					$	70,596					$	47,603					$	10,299					$	83,478					$	441,189					$	13,584					$	812,877
Special mention			—						—						—						—						752						5,911						—						6,663
Substandard			—						—						—						—						2,121						4,772						—						6,893
Doubtful			—						—						—						—						—						312						—						312
Loss			—						—						—						—						—						—						—						—
Total commercial real estate – non-owner occupied			$	146,128					$	70,596					$	47,603					$	10,299					$	86,351					$	452,184					$	13,584					$	826,745
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	654					$	—					$	654
Multifamily
Risk rating
Pass			$	20,130					$	11,187					$	25,711					$	5,555					$	4,410					$	69,396					$	324					$	136,713
Special mention			—						—						—						—						—						230						—						230
Substandard			—						—						—						—						—						179						—						179
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total multifamily			$	20,130					$	11,187					$	25,711					$	5,555					$	4,410					$	69,805					$	324					$	137,122
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Total commercial real estate
Risk rating
Pass			$	345,060					$	301,550					$	157,589					$	63,824					$	145,014					$	755,465					$	39,866					$	1,808,368
Special mention			—						—						—						—						2,111						9,437						—						11,548
Substandard			159						849						295						3,187						2,876						25,493						—						32,859
Doubtful			—						—						—						—						1,772						326						—						2,098
Loss			—						—						—						—						—						5						—						5
Total commercial real estate			$	345,219					$	302,399					$	157,884					$	67,011					$	151,773					$	790,726					$	39,866					$	1,854,878
Total current period gross charge-offs			$	—					$	—					$	—					$	—					$	125					$	669					$	—					$	794

(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, 2026			2026						2025						2024						2023-S(1)						2023						Prior						Revolving						Total
Commercial and industrial
Risk rating
Pass			$	51,605					$	110,556					$	63,855					$	26,607					$	20,230					$	28,280					$	81,448					$	382,581
Special mention			—						389						493						—						517						2,663						8,629						12,691
Substandard			—						976						3,627						2,822						550						11,437						816						20,228
Doubtful			253						—						506						—						—						1,786						—						2,545
Loss			—						—						—						—						—						—						—						—
Total commercial and industrial			$	51,858					$	111,921					$	68,481					$	29,429					$	21,297					$	44,166					$	90,893					$	418,045
Current period gross charge-offs			$	—					$	—					$	588					$	—					$	250					$	498					$	25					$	1,361
Equipment finance
Risk rating
Pass			$	26,538					$	49,586					$	55,455					$	29,036					$	45,435					$	19,607					$	—					$	225,657
Special mention			—						631						883						356						1,501						350						—						3,721
Substandard			—						1,765						1,065						896						1,847						891						—						6,464
Doubtful			—						527						157						265						249						25						—						1,223
Loss			—						—						—						—						—						—						—						—
Total equipment finance			$	26,538					$	52,509					$	57,560					$	30,553					$	49,032					$	20,873					$	—					$	237,065
Current period gross charge-offs			$	—					$	785					$	249					$	158					$	871					$	1,348					$	—					$	3,411
Municipal leases
Risk rating
Pass			$	19,004					$	19,512					$	28,265					$	13,343					$	15,104					$	67,182					$	—					$	162,410
Special mention			—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total municipal leases			$	19,004					$	19,512					$	28,265					$	13,343					$	15,104					$	67,182					$	—					$	162,410
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Total commercial
Risk rating
Pass			$	97,147					$	179,654					$	147,575					$	68,986					$	80,769					$	115,069					$	81,448					$	770,648
Special mention			—						1,020						1,376						356						2,018						3,013						8,629						16,412
Substandard			—						2,741						4,692						3,718						2,397						12,328						816						26,692
Doubtful			253						527						663						265						249						1,811						—						3,768
Loss			—						—						—						—						—						—						—						—
Total commercial			$	97,400					$	183,942					$	154,306					$	73,325					$	85,433					$	132,221					$	90,893					$	817,520
Total current period gross charge-offs			$	—					$	785					$	837					$	158					$	1,121					$	1,846					$	25					$	4,772

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, 2026			2026						2025						2024						2023-S(1)						2023						Prior						Revolving						Total
Construction and land development
Risk rating
Pass			$	18,673					$	22,031					$	2,128					$	268					$	2,502					$	4,604					$	—					$	50,206
Special mention			—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total construction and land development			$	18,673					$	22,031					$	2,128					$	268					$	2,502					$	4,604					$	—					$	50,206
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
One-to-four family
Risk rating
Pass			$	43,247					$	52,941					$	30,957					$	18,060					$	138,503					$	321,900					$	7,731					$	613,339
Special mention			—						—						—						—						—						260						—						260
Substandard			—						409						1,690						1,399						1,549						4,941						—						9,988
Doubtful			—						—						225						—						—						10						—						235
Loss			—						—						—						—						—						—						—						—
Total one-to-four family			$	43,247					$	53,350					$	32,872					$	19,459					$	140,052					$	327,111					$	7,731					$	623,822
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
HELOCs
Risk rating
Pass			$	—					$	—					$	—					$	—					$	—					$	—					$	244,974					$	244,974
Special mention			—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						10,966						10,966
Doubtful			—						—						—						—						—						—						51						51
Loss			—						—						—						—						—						—						—						—
Total HELOCs			$	—					$	—					$	—					$	—					$	—					$	—					$	255,991					$	255,991
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	67					$	67
Total residential real estate
Risk rating
Pass			$	61,920					$	74,972					$	33,085					$	18,328					$	141,005					$	326,504					$	252,705					$	908,519
Special mention			—						—						—						—						—						260						—						260
Substandard			—						409						1,690						1,399						1,549						4,941						10,966						20,954
Doubtful			—						—						225						—						—						10						51						286
Loss			—						—						—						—						—						—						—						—
Total residential real estate			$	61,920					$	75,381					$	35,000					$	19,727					$	142,554					$	331,715					$	263,722					$	930,019
Total current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	67					$	67

			Term Loans By Origination Fiscal Year
September 30, 2026			2026						2025						2024						2023-S(1)						2023						Prior						Revolving						Total
Total consumer
Risk rating
Pass			$	1,159					$	653					$	1,707					$	7,082					$	11,177					$	2,992					$	288					$	25,058
Special mention			—						—						—						—						—						—						—						—
Substandard			—						16						54						259						388						126						8						851
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total consumer			$	1,159					$	669					$	1,761					$	7,341					$	11,565					$	3,118					$	296					$	25,909
Total current period gross charge-offs			$	—					$	6					$	12					$	128					$	279					$	99					$	21					$	545

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, 2025. Also included in the table detailing loan balances are gross charge-offs for the year ended December 31, 2025:

			Term Loans By Origination Fiscal Year
December 31, 2025			2025						2024						2023-S(1)						2023						2022						Prior						Revolving						Total
Construction and land development
Risk rating
Pass			$	133,327					$	85,217					$	21,775					$	5,722					$	16,693					$	11,108					$	2,805					$	276,647
Special mention			—						—						—						—						—						—						—						—
Substandard			—						—						—						—						381						—						—						381
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total construction and land development			$	133,327					$	85,217					$	21,775					$	5,722					$	17,074					$	11,108					$	2,805					$	277,028
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Commercial real estate – owner occupied
Risk rating
Pass			$	78,784					$	52,556					$	42,988					$	60,162					$	84,571					$	218,775					$	5,589					$	543,425
Special mention			—						—						—						655						241						2,375						—						3,271
Substandard			—						1,406						918						162						4,949						5,767						—						13,202
Doubtful			—						—						—						1,895						244						12						—						2,151
Loss			—						—						—						—						—						—						—						—
Total commercial real estate – owner occupied			$	78,784					$	53,962					$	43,906					$	62,874					$	90,005					$	226,929					$	5,589					$	562,049
Current period gross charge-offs			$	—					$	—					$	—					$	138					$	90					$	—					$	—					$	228
Commercial real estate – non-owner occupied
Risk rating
Pass			$	77,184					$	55,342					$	12,561					$	91,992					$	131,895					$	433,461					$	8,523					$	810,958
Special mention			—						—						—						754						—						9,226						—						9,980
Substandard			—						—						—						2,591						—						8,973						—						11,564
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total commercial real estate – non-owner occupied			$	77,184					$	55,342					$	12,561					$	95,337					$	131,895					$	451,660					$	8,523					$	832,502
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Multifamily
Risk rating
Pass			$	9,361					$	15,105					$	5,638					$	4,881					$	9,916					$	65,560					$	—					$	110,461
Special mention			—						—						—						—						—						285						—						285
Substandard			—						—						—						—						—						166						—						166
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total multifamily			$	9,361					$	15,105					$	5,638					$	4,881					$	9,916					$	66,011					$	—					$	110,912
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Total commercial real estate
Risk rating
Pass			$	298,656					$	208,220					$	82,962					$	162,757					$	243,075					$	728,904					$	16,917					$	1,741,491
Special mention			—						—						—						1,409						241						11,886						—						13,536
Substandard			—						1,406						918						2,753						5,330						14,906						—						25,313
Doubtful			—						—						—						1,895						244						12						—						2,151
Loss			—						—						—						—						—						—						—						—
Total commercial real estate			$	298,656					$	209,626					$	83,880					$	168,814					$	248,890					$	755,708					$	16,917					$	1,782,491
Total current period gross charge-offs			$	—					$	—					$	—					$	138					$	90					$	—					$	—					$	228

(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, 2025			2025						2024						2023-S(1)						2023						2022						Prior						Revolving						Total
Commercial and industrial
Risk rating
Pass			$	101,886					$	73,327					$	33,005					$	29,181					$	24,786					$	20,049					$	75,308					$	357,542
Special mention			392						290						2,651						910						312						2,478						2,497						9,530
Substandard			—						3,157						—						252						1,929						3,643						100						9,081
Doubtful			—						505						—						122						89						1,794						23						2,533
Loss			—						—						—						—						—						—						—						—
Total commercial and industrial			$	102,278					$	77,279					$	35,656					$	30,465					$	27,116					$	27,964					$	77,928					$	378,686
Current period gross charge-offs			$	—					$	151					$	362					$	241					$	1,318					$	472					$	—					$	2,544
Equipment finance
Risk rating
Pass			$	63,176					$	76,224					$	43,547					$	73,355					$	31,444					$	13,466					$	—					$	301,212
Special mention			172						151						255						615						232						185						—						1,610
Substandard			673						1,117						173						2,096						871						417						—						5,347
Doubtful			—						57						415						1,353						1,067						295						—						3,187
Loss			—						—						—						—						—						—						—						—
Total equipment finance			$	64,021					$	77,549					$	44,390					$	77,419					$	33,614					$	14,363					$	—					$	311,356
Current period gross charge-offs			$	—					$	167					$	454					$	2,829					$	2,711					$	466					$	—					$	6,627
Municipal leases
Risk rating
Pass			$	19,195					$	29,939					$	15,546					$	20,701					$	18,934					$	62,081					$	—					$	166,396
Special mention			—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total municipal leases			$	19,195					$	29,939					$	15,546					$	20,701					$	18,934					$	62,081					$	—					$	166,396
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Total commercial
Risk rating
Pass			$	184,257					$	179,490					$	92,098					$	123,237					$	75,164					$	95,596					$	75,308					$	825,150
Special mention			564						441						2,906						1,525						544						2,663						2,497						11,140
Substandard			673						4,274						173						2,348						2,800						4,060						100						14,428
Doubtful			—						562						415						1,475						1,156						2,089						23						5,720
Loss			—						—						—						—						—						—						—						—
Total commercial			$	185,494					$	184,767					$	95,592					$	128,585					$	79,664					$	104,408					$	77,928					$	856,438
Total current period gross charge-offs			$	—					$	318					$	816					$	3,070					$	4,029					$	938					$	—					$	9,171

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, 2025			2025						2024						2023-S(1)						2023						2022						Prior						Revolving						Total
Construction and land development
Risk rating
Pass			$	24,620					$	7,350					$	1,054					$	5,753					$	4,173					$	2,254					$	—					$	45,204
Special mention			—						—						—						—						—						—						—						—
Substandard			—						—						413						—						—						—						—						413
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total construction and land development			$	24,620					$	7,350					$	1,467					$	5,753					$	4,173					$	2,254					$	—					$	45,617
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	132					$	—					$	132
One-to-four family
Risk rating
Pass			$	45,062					$	40,995					$	22,428					$	152,935					$	139,276					$	213,367					$	11,814					$	625,877
Special mention			—						—						—						—						21						282						—						303
Substandard			—						661						835						1,074						764						3,984						—						7,318
Doubtful			—						—						—						—						—						13						—						13
Loss			—						—						—						—						—						—						—						—
Total one-to-four family			$	45,062					$	41,656					$	23,263					$	154,009					$	140,061					$	217,646					$	11,814					$	633,511
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	50					$	—					$	50
HELOCs
Risk rating
Pass			$	—					$	—					$	—					$	—					$	—					$	—					$	208,402					$	208,402
Special mention			—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						8,908						8,908
Doubtful			—						—						—						—						—						—						—						—
Loss			—						—						—						—						—						—						—						—
Total HELOCs			$	—					$	—					$	—					$	—					$	—					$	—					$	217,310					$	217,310
Current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	40					$	40
Total residential real estate
Risk rating
Pass			$	69,682					$	48,345					$	23,482					$	158,688					$	143,449					$	215,621					$	220,216					$	879,483
Special mention			—						—						—						—						21						282						—						303
Substandard			—						661						1,248						1,074						764						3,984						8,908						16,639
Doubtful			—						—						—						—						—						13						—						13
Loss			—						—						—						—						—						—						—						—
Total residential real estate			$	69,682					$	49,006					$	24,730					$	159,762					$	144,234					$	219,900					$	229,124					$	896,438
Total current period gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	182					$	40					$	222

			Term Loans By Origination Fiscal Year
December 31, 2025			2025						2024						2023-S(1)						2023						2022						Prior						Revolving						Total
Total consumer
Risk rating
Pass			$	2,346					$	2,688					$	10,866					$	18,552					$	4,392					$	2,463					$	244					$	41,551
Special mention			—						—						—						—						—						—						—						—
Substandard			—						31						168						644						127						247						16						1,233
Doubtful			—						1						—						—						2						—						—						3
Loss			—						—						—						—						—						—						—						—
Total consumer			$	2,346					$	2,720					$	11,034					$	19,196					$	4,521					$	2,710					$	260					$	42,787
Total current period gross charge-offs			$	3					$	68					$	131					$	306					$	65					$	79					$	—					$	652

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.

			Past Due																								Total Loans
			30-89 Days						90 Days+						Total(1)						Current
September 30, 2026
Commercial real estate
Construction and land development			$	331					$	472					$	803					$	336,048					$	336,851
Commercial real estate – owner occupied			6,899						6,197						13,096						541,064						554,160
Commercial real estate – non-owner occupied			—						2,856						2,856						823,889						826,745
Multifamily			—						—						—						137,122						137,122
Total commercial real estate			7,230						9,525						16,755						1,838,123						1,854,878
Commercial
Commercial and industrial			4,208						7,778						11,986						406,059						418,045
Equipment finance			4,756						3,463						8,219						228,846						237,065
Municipal leases			487						—						487						161,923						162,410
Total commercial			9,451						11,241						20,692						796,828						817,520
Residential real estate
Construction and land development			—						—						—						50,206						50,206
One-to-four family			5,833						3,409						9,242						614,580						623,822
HELOCs			4,008						6,028						10,036						245,955						255,991
Total residential real estate			9,841						9,437						19,278						910,741						930,019
Consumer			1,126						154						1,280						24,629						25,909
Total loans			$	27,648					$	30,357					$	58,005					$	3,570,321					$	3,628,326

			Past Due(2)																								Total Loans
			30-89 Days						90 Days+						Total(1)						Current
December 31, 2025
Commercial real estate
Construction and land development			$	—					$	381					$	381					$	276,647					$	277,028
Commercial real estate – owner occupied			7,434						4,352						11,786						550,263						562,049
Commercial real estate – non-owner occupied			1,479						5,422						6,901						825,601						832,502
Multifamily			—						—						—						110,912						110,912
Total commercial real estate			8,913						10,155						19,068						1,763,423						1,782,491
Commercial
Commercial and industrial			1,625						8,306						9,931						368,755						378,686
Equipment finance			8,185						5,501						13,686						297,670						311,356
Municipal leases			—						—						—						166,396						166,396
Total commercial			9,810						13,807						23,617						832,821						856,438
Residential real estate
Construction and land development			699						—						699						44,918						45,617
One-to-four family			25,822						2,774						28,596						604,915						633,511
HELOCs			3,211						5,393						8,604						208,706						217,310
Total residential real estate			29,732						8,167						37,899						858,539						896,438
Consumer			1,441						361						1,802						40,985						42,787
Total loans			$	49,896					$	32,490					$	82,386					$	3,495,768					$	3,578,154

(1)Of the past due totals presented above, $14,444 and $14,307 of these balances were fully guaranteed by the SBA as of September 30, 2026 and December 31, 2025, respectively.

(2)Reflects a change in prior period disclosures where, for loans with monthly payments, they were previously considered past due when a loan is in arrears two or more payments. Under the updated disclosure, these loans are considered past due when the loan is in arrears one or more payments. The most significant impact was to the "30-89 Days" column where the total balance increased by $37,194, with the one-to-four family residential real estate portfolio making up $22,393 of the change.

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, 2026.

						September 30, 2026(1)						December 31, 2025(1)												90 Days+ & Still Accruing as of September 30, 2026						Nonaccrual with No ACL as of September 30, 2026						Interest Income Recognized
Commercial real estate
Construction and land development						$	1,805					$	381											$	—					$	—					$	19
Commercial real estate – owner occupied						21,236						10,467												—						12,554						404
Commercial real estate – non-owner occupied						7,206						6,566												—						3,510						374
Multifamily						—						—												—						—						13
Total commercial real estate						30,247						17,414												—						16,064						810
Commercial
Commercial and industrial						16,149						9,786												—						7,349						269
Equipment finance						5,238						6,690												—						—						274
Municipal leases						—						—												—						—						—
Total commercial						21,387						16,476												—						7,349						543
Residential real estate
Construction and land development						—						—												—						—						—
One-to-four family						5,629						2,961												—						—						164
HELOCs						8,160						6,523												—						—						301
Total residential real estate						13,789						9,484												—						—						465
Consumer						388						402												—						—						35
Total loans						$	65,811					$	43,776											$	—					$	23,413					$	1,853

(1)Of the nonaccrual totals presented above, $22,665 and $14,885 of these balances were fully guaranteed by the SBA as of September 30, 2026 and December 31, 2025, respectively.

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, a provision of $15 and benefit of $660 for off-balance sheet credit exposures were recorded for the three and nine months ended September 30, 2026, respectively. Provisions of $260 and $918 for off-balance sheet credit exposures were recorded for the three and nine months ended September 30, 2025, respectively.

			Three Months Ended September 30, 2026
			Commercial Real Estate						Commercial						Residential Real Estate						Consumer						Total
Balance at beginning of period			$	19,831					$	11,108					$	8,473					$	377					$	39,789
Provision (benefit) for credit losses			(25)						639						232						(56)						790
Charge-offs			(125)						(1,266)						(67)						(66)						(1,524)
Recoveries			14						345						25						62						446
Net charge-offs			(111)						(921)						(42)						(4)						(1,078)
Balance at end of period			$	19,695					$	10,826					$	8,663					$	317					$	39,501

			Three Months Ended September 30, 2025
			Commercial Real Estate						Commercial						Residential Real Estate						Consumer						Total
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

21

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

			Nine Months Ended September 30, 2026
			Commercial Real Estate						Commercial						Residential Real Estate						Consumer						Total
Balance at beginning of period			$	19,298					$	13,331					$	8,492					$	358					$	41,479
Provision for credit losses			1,137						1,298						29						291						2,755
Charge-offs			(794)						(4,772)						(67)						(545)						(6,178)
Recoveries			54						969						209						213						1,445
Net (charge-offs) recoveries			(740)						(3,803)						142						(332)						(4,733)
Balance at end of period			$	19,695					$	10,826					$	8,663					$	317					$	39,501

			Nine Months Ended September 30, 2025
			Commercial Real Estate						Commercial						Residential Real Estate						Consumer						Total
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)
Recoveries			38						551						110						188						887
Net charge-offs			(52)						(5,677)						(79)						(331)						(6,139)
Balance at end of period			$	18,899					$	15,235					$	8,528					$	424					$	43,086

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 the 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 at the dates indicated below:

			Type and Extent of Collateral Securing CDAs																								Non-CDAs
September 30, 2026			Residential Property						Investment Property						Commercial Property						Business Assets																		Total
Commercial real estate
Construction and land development			$	—					$	—					$	—					$	—											$	336,851					$	336,851
Commercial real estate – owner occupied			—						—						12,955						—												541,205						554,160
Commercial real estate – non-owner occupied			—						—						3,510						—												823,235						826,745
Multifamily			—						—						—						—												137,122						137,122
Total commercial real estate			—						—						16,465						—												1,838,413						1,854,878
Commercial
Commercial and industrial			—						—						—						5,427												412,618						418,045
Equipment finance			—						—						—						—												237,065						237,065
Municipal leases			—						—						—						—												162,410						162,410
Total commercial			—						—						—						5,427												812,093						817,520
Residential real estate
Construction and land development			—						—						—						—												50,206						50,206
One-to-four family			—						—						—						—												623,822						623,822
HELOCs			—						—						—						—												255,991						255,991
Total residential real estate			—						—						—						—												930,019						930,019
Consumer			—						—						—						—												25,909						25,909
Total			$	—					$	—					$	16,465					$	5,427											$	3,606,434					$	3,628,326
Total collateral value			$	—					$	—					$	16,163					$	3,474

22

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

			Type and Extent of Collateral Securing CDAs																								Non-CDAs
December 31, 2025			Residential Property						Investment Property						Commercial Property						Business Assets																		Total
Commercial real estate
Construction and land development			$	—					$	—					$	—					$	—											$	277,028					$	277,028
Commercial real estate – owner occupied			—						—						3,532						—												558,517						562,049
Commercial real estate – non-owner occupied			—						—						4,699						—												827,803						832,502
Multifamily			—						—						—						—												110,912						110,912
Total commercial real estate			—						—						8,231						—												1,774,260						1,782,491
Commercial
Commercial and industrial			—						—						—						—												378,686						378,686
Equipment finance			—						—						—						2,087												309,269						311,356
Municipal leases			—						—						—						—												166,396						166,396
Total commercial			—						—						—						2,087												854,351						856,438
Residential real estate
Construction and land development			—						—						—						—												45,617						45,617
One-to-four family			—						—						—						—												633,511						633,511
HELOCs			—						—						—						—												217,310						217,310
Total residential real estate			—						—						—						—												896,438						896,438
Consumer			—						—						—						—												42,787						42,787
Total			$	—					$	—					$	8,231					$	2,087											$	3,567,836					$	3,578,154
Total collateral value			$	—					$	—					$	9,605					$	1,299

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 at September 30, 2026 and 2025, that were both experiencing financial difficulty and modified during the three and nine months ended September 30, 2026 and 2025, 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.

			Three Months Ended September 30, 2026
			Principal Forgiveness						Payment Delay						Term Extension						Interest Rate Adjustment						Combination Term Extension & Principal Forgiveness						Combination Term Extension & Interest Rate Reduction						% of Total Class of Financing Receivable
Commercial real estate
Commercial real estate – owner occupied			$	—					$	13,254					$	—					$	—					$	—					$	652					2.51		%
Commercial real estate – non-owner occupied			—						—						—						3,273						—						—						0.40
Commercial loans
Commercial and industrial			—						6,882						—						—						—						—						1.65
Total			$	—					$	20,136					$	—					$	3,273					$	—					$	652					0.66		%

23

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

			Three Months Ended September 30, 2025
			Principal Forgiveness						Payment Delay						Term Extension						Interest Rate Adjustment						Combination Term Extension & Principal Forgiveness						Combination 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		%

			Nine Months Ended September 30, 2026
			Principal Forgiveness						Payment Delay						Term Extension						Interest Rate Adjustment						Combination Term Extension & Principal Forgiveness						Combination Term Extension & Interest Rate Reduction						% of Total Class of Financing Receivable
Commercial real estate
Commercial real estate – owner occupied			$	—					$	14,034					$	—					$	2,818					$	—					$	652					3.16		%
Commercial real estate – non-owner occupied			—						1,700						—						3,273						—						—						0.60
Commercial loans
Commercial and industrial			—						10,090						210						—						—						1,624						2.85
Total			$	—					$	25,824					$	210					$	6,091					$	—					$	2,276					0.95		%

			Nine Months Ended September 30, 2025
			Principal Forgiveness						Payment Delay						Term Extension						Interest Rate Adjustment						Combination Term Extension & Principal Forgiveness						Combination 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		%

The following tables present the financial effect of the loan modifications presented above to borrowers experiencing financial difficulty for the periods indicated below:

			Three Months Ended September 30, 2026
			Principal Forgiveness						Weighted-Average Interest Rate Reduction						Weighted-Average Term Extension (Years)
Commercial real estate
Commercial real estate – owner occupied			$	—					3.3		%				5.0
Commercial real estate – non-owner occupied			—						3.1						—
Total			$	—					3.1		%				5.0

24

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

			Three Months Ended September 30, 2025
			Principal Forgiveness						Weighted-Average Interest Rate Reduction						Weighted-Average Term Extension (Years)
Commercial loans
Commercial and industrial			$	—					—		%				10.0

			Nine Months Ended September 30, 2026
			Principal Forgiveness						Weighted-Average Interest Rate Reduction						Weighted-Average Term Extension (Years)
Commercial real estate
Commercial real estate – owner occupied			$	—					2.9		%				5.0
Commercial real estate – non-owner occupied			—						3.1						—
Commercial loans
Commercial and industrial			—						4.6						5.2
Total			$	—					3.3		%				5.1

			Nine Months Ended September 30, 2025
			Principal Forgiveness						Weighted-Average Interest Rate Reduction						Weighted-Average Term Extension (Years)
Commercial real estate
Commercial real estate – non-owner occupied			$	—					—		%				5.5
Commercial loans
Commercial and industrial			—						7.0						10.0
Residential real estate loans
One-to-four family			—						—						10.6
Total			$	—					7.0		%				9.3

The following tables present loans that had a payment default during the periods indicated that had previously been modified within the prior twelve months. For purposes of these tables, 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, 2026
			Principal Forgiveness						Payment Delay						Term Extension						Interest Rate Adjustment
Commercial real estate
Commercial real estate – owner occupied			$	—					$	—					$	—					$	1,485
Commercial loans
Commercial and industrial			72						549						—						239
Total			$	72					$	549					$	—					$	1,724

			Three Months Ended September 30, 2025
			Principal Forgiveness						Payment Delay						Term Extension						Interest Rate Adjustment
Commercial loans
Commercial and industrial			$	—					$	1,928					$	—					$	—
Residential real estate loans
One-to-four family			—						—						50						—
Total			$	—					$	1,928					$	50					$	—

25

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

			Nine Months Ended September 30, 2026
			Principal Forgiveness						Payment Delay						Term Extension						Interest Rate Adjustment
Commercial real estate
Commercial real estate – owner occupied			$	—					$	294					$	—					$	1,485
Commercial loans
Commercial and industrial			72						3,185						824						239
Total			$	72					$	3,479					$	824					$	1,724

			Nine Months Ended September 30, 2025
			Principal Forgiveness						Payment Delay						Term Extension						Interest 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

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, 2026 and December 31, 2025, the ACL on off-balance sheet credit exposures included in other liabilities was $3,485 and $4,145, respectively.

6.    Deposits

Deposit accounts at the dates indicated consist of the following:

			September 30, 2026						December 31, 2025
Noninterest-bearing accounts			$	773,502					$	707,748
NOW accounts			550,907						546,387
Money market accounts			1,381,671						1,374,635
Savings accounts			161,826						171,455
Certificates of deposit			715,703						909,772
Total			$	3,583,609					$	3,709,997

Deposits received from executive officers, directors and their associates totaled approximately $1,612 and $1,105 at September 30, 2026 and December 31, 2025, respectively.

As of September 30, 2026, scheduled maturities of certificates of deposit were as follows:

Remainder of 2026			$	372,096
2027			336,635
2028			4,644
2029			825
2030			980
Thereafter			523
Total			$	715,703

Certificates of deposit with balances of $250 or greater totaled $159,345 and $198,473 at September 30, 2026 and December 31, 2025, respectively. Generally, deposit amounts in excess of $250 are not federally insured.

26

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

7.    Borrowings

Junior Subordinated Debentures

On February 21, 2007, Quantum formed a Delaware 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 common securities of the Trust.

The trust preferred securities, which accrued and paid quarterly distributions at a floating rate of 3-month Term SOFR plus 2.20%, were mandatorily redeemable upon maturity of the debentures on March 15, 2037 or upon earlier redemption as provided in the indenture, and the Company elected to redeem the trust preferred securities in whole on June 15, 2026. The redemption price was the principal amount and any accrued but unpaid interest. The Company had previously established a fair value mark (discount) on the junior subordinated debt securities when accounting for the referenced merger, which was being accreted into income through interest expense. Associated with the redemption of the debt instruments, the remaining unaccreted discount of $1,079 was written off through other noninterest expense.

Other Borrowings

Borrowings, outside of junior subordinated debt, consisted of the following at the dates indicated:

			September 30, 2026												December 31, 2025
			Balance						Weighted Average Rate						Balance						Weighted Average Rate
FHLB advances (short-term)			$	50,000					4.13		%				$	—					—		%
FRB advances (short-term)			164,000						4.00						165,000						3.75
Total other borrowings			$	214,000					4.03		%				$	165,000					3.75		%

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, 2026 and December 31, 2025, the Company had the ability to borrow $338,146 and $355,296, respectively, through additional FHLB advances and $480 and $66,347, respectively, through the unused portion of a line of credit with the FRB.

At September 30, 2026 and December 31, 2025, the Company maintained revolving lines of credit with four unaffiliated banks which totaled $135,000 and $165,000, respectively. At both dates, the aggregate outstanding balance on the revolving lines of credit was $0.

8.    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, 2026						December 31, 2025
ROU assets			$	6,722					$	7,634
Lease liabilities			$	7,950					$	9,047
Weighted-average remaining lease terms (years)			7.3						7.5
Weighted-average discount rate			3.68		%				3.64		%

The following schedule summarizes aggregate future minimum lease payments under these operating leases at September 30, 2026:

Remainder of 2026			$	484
2027			1,947
2028			1,755
2029			976
2030			878
Thereafter			3,096
Total undiscounted minimum lease payments			9,136
Less: amount representing interest			(1,186)
Total lease liability			$	7,950

27

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

The following table presents components of operating lease expense for the periods indicated:

			Three Months Ended September 30,												Nine Months Ended September 30,
			2026						2025						2026						2025
Operating lease cost (included in occupancy expense, net)			$	399					$	399					$	1,199					$	1,192
Variable lease cost (included in occupancy expense, net)			—						—						1						2
Sublease income (included in other noninterest income)			(51)						(47)						(159)						(136)
Total operating lease expense, net			$	348					$	352					$	1,041					$	1,058

The following table presents supplemental operating lease cash flow information for the periods indicated:

			Nine Months Ended September 30,
			2026						2025
ROU assets - noncash additions			$	—					$	776
Cash paid for amounts included in the measurement of lease liabilities			1,203						1,143

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 $18,270 and $25,415 with a residual value of $9,697 and $13,167 as of September 30, 2026 and December 31, 2025, respectively.

The following schedule summarizes, as of September 30, 2026, aggregate future minimum lease payments to be received:

Remainder of 2026			$	1,201
2027			3,644
2028			3,334
2029			2,793
2030			1,265
Thereafter			77
Total of future minimum payments			$	12,314

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, 2026 and 2025, interest income on equipment finance leases totaled $1,403 and $1,377, respectively. For the nine months ended September 30, 2026 and 2025, interest income on equipment finance leases totaled $4,384 and $3,879, respectively.

The lease receivable component of finance lease net investment included within the equipment finance class of financing receivables was $73,317 and $82,305 at September 30, 2026 and December 31, 2025, respectively.

The following schedule summarizes, as of September 30, 2026, aggregate future minimum finance lease payments to be received:

Remainder of 2026			$	7,136
2027			26,932
2028			20,343
2029			14,822
2030			9,209
Thereafter			6,482
Total undiscounted minimum lease payments			84,924
Less: amount representing interest			(11,607)
Total lease receivable			$	73,317

9.    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

28

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

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.

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,
			2026						2025						2026						2025
Share-based compensation expense			$	835					$	593					$	2,315					$	1,579
Tax benefit			192						140						532						373

The table below presents stock option activity and related information for the periods indicated below:

			Options						Weighted-Average Exercise Price						Remaining Contractual Life (Years)						Aggregate Intrinsic Value
Options outstanding at December 31, 2024			413,637						$	26.02					3.8						$	3,169
Exercised			(33,900)						24.94
Forfeited			(1,400)						26.72
Options outstanding at September 30, 2025			378,337						$	26.11					3.0						$	5,610
Exercisable at September 30, 2025			352,957						$	25.95					2.7						$	5,291
Non-vested at September 30, 2025			25,380						$	28.37					6.1						$	319
Options outstanding at December 31, 2025			354,797						$	26.19					2.8						$	5,945
Exercised			(138,840)						25.59
Forfeited			(290)						31.35
Expired			(3,700)						26.94						—						—
Options outstanding at September 30, 2026			211,967						$	26.55					2.4						$	4,074
Exercisable at September 30, 2026			202,967						$	26.38					2.3						$	3,935
Non-vested at September 30, 2026			9,000						$	30.33					5.4						$	139

There were no options granted during the nine months ended September 30, 2026 or 2025.

At September 30, 2026, the Company had $28 of unrecognized compensation expense related to 9,000 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 0.4 years at September 30, 2026. 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.

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, 2024			138,582						30,001						$	27.15					$	5,678
Granted			60,329						15,444						37.40
Vested			(50,326)						(9,996)						27.24
Forfeited			(3,621)						(4,108)						27.19
Non-vested at September 30, 2025			144,964						31,341						$	31.52					$	7,128
Non-vested at December 31, 2025			144,964						31,341						$	31.52					$	7,571
Granted			61,047						26,034						44.21
Vested			(49,745)						—						30.98
Forfeited			(3,538)						—						34.52
Non-vested at September 30, 2026			152,728						57,375						$	36.86					$	9,616

(1)Restricted stock awards granted in calendar year 2026 are scheduled to vest over 1.0 year for director awards and 3.0 years for employee awards. All restricted stock awards granted prior to calendar year 2026 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.

29

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

At September 30, 2026, unrecognized compensation expense was $5,592 related to 210,103 shares of restricted stock. The weighted average period over which compensation cost related to non-vested awards is expected to be recognized was 1.5 years at September 30, 2026. 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.

10.    Net Income per Share

The following is a reconciliation of the numerator and denominator of basic and diluted net income per share of common stock for the periods indicated:

			Three Months Ended September 30,												Nine Months Ended September 30,
			2026						2025						2026						2025
Numerator
Net income			$	17,965					$	16,491					$	50,367					$	48,240
Allocation of earnings to participating securities			(234)						(169)						(642)						(495)
Numerator for basic and diluted EPS - net income available to common stockholders			$	17,731					$	16,322					$	49,725					$	47,745
Denominator
Weighted-average common shares outstanding - basic			15,902,548						16,998,549						16,262,982						17,005,206
Dilutive effect of assumed exercise of stock options			96,654						131,481						115,640						112,399
Weighted-average common shares outstanding - diluted			15,999,202						17,130,030						16,378,622						17,117,605
Net income per share - basic			$	1.11					$	0.96					$	3.06					$	2.81
Net income per share - diluted			$	1.11					$	0.95					$	3.04					$	2.79

Potential dilutive shares are excluded from the computation of earnings per share if their effect is anti-dilutive. There were no stock options that were anti-dilutive as of September 30, 2026 or 2025.

11.    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, 2026						December 31, 2025
Variable rate commitments			$	67,948					$	87,259
Fixed rate commitments(1)			35,306						34,716
Total loan commitments			$	103,254					$	121,975
Range of fixed interest rates			4.09% - 9.75%						4.12% - 9.75%
Undisbursed portions of construction loans			$	228,451					$	225,617
Pre-approved but unused lines of credit(2)			$	884,671					$	831,298

(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, 2026 or December 31, 2025.

30

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

Equity Investment Commitments – The Company invests in a variety of equity investments. For investments where the Company's original commitment amount has not been funded in full, the table below summarizes the Company's outstanding commitments:

			September 30, 2026												December 31, 2025
			Original Commitment						Remaining Commitments						Original Commitment						Remaining Commitments
Fintech			$	2,500					$	1,750					$	—					$	—
Low income housing			4,500						386						4,500						483
SBIC			19,000						8,273						19,000						9,983
Solar tax equity			10,000						2,519						10,000						2,519
Total			$	36,000					$	12,928					$	33,500					$	12,985

Although the remaining capital contributions 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. The disclosure does not include equity investments where either the Company's capital commitments have been fully funded or the investment is winding down.

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, 2026 and December 31, 2025 were $51,461 and $55,491, respectively. There was no liability recorded for these letters of credit at September 30, 2026 or December 31, 2025.

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.

12.    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 September 30, 2026 and December 31, 2025, 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 2025 Form 10-K.

31

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

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, 2026
			Total						Level 1						Level 2						Level 3
Debt securities available for sale
MBS, residential			$	134,919					$	—					$	134,919					$	—
Municipal bonds			1,400						—						1,400						—
Corporate bonds			2,339						—						2,339						—
Total debt securities available for sale			$	138,658					$	—					$	138,658					$	—
Loans held for sale			$	4,172					$	—					$	4,172					$	—

			December 31, 2025
			Total						Level 1						Level 2						Level 3
Debt securities available for sale
MBS, residential			$	136,082					$	—					$	136,082					$	—
Municipal bonds			1,826						—						1,826						—
Corporate bonds			4,632						—						4,632						—
Total debt securities available for sale			$	142,540					$	—					$	142,540					$	—
Loans held for sale			$	7,005					$	—					$	7,005					$	—

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, 2026 or 2025.

The following table presents financial assets measured at fair value on a non-recurring basis at the date indicated:

			December 31, 2025
			Total						Level 1						Level 2						Level 3
Collateral dependent loans
Commercial real estate loans
Commercial real estate – non-owner occupied			$	3,555					$	—					$	—					$	3,555
Commercial loans
Equipment finance			1,809						—						—						1,809
Total			$	5,364					$	—					$	—					$	5,364

No financial assets were measured at fair value on a non-recurring basis as of September 30, 2026.

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.

32

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

The stated carrying value and estimated fair value amounts of financial instruments as of September 30, 2026 and December 31, 2025, are summarized below:

			September 30, 2026
			Carrying Value						Fair Value						Level 1						Level 2						Level 3
Assets
Cash and cash equivalents			$	246,466					$	246,466					$	246,466					$	—					$	—
Certificates of deposit in other banks			8,697						8,697						—						8,697						—
Debt securities available for sale, at fair value			138,658						138,658						—						138,658						—
Loans held for sale, at fair value			4,172						4,172						—						4,172						—
Loans held for sale, at the lower of cost or fair value			97,317						99,719						—						—						99,719
Loans, net			3,588,825						3,531,363						—						—						3,531,363
Accrued interest receivable			13,438						13,438						—						774						12,664
Liabilities
Noninterest-bearing and NOW deposits			1,324,409						1,324,409						—						1,324,409						—
Money market accounts			1,381,671						1,381,671						—						1,381,671						—
Savings accounts			161,826						161,826						—						161,826						—
Certificates of deposit			715,703						713,409						—						713,409						—
Borrowings			214,000						213,913						—						213,913						—
Accrued interest payable			2,122						2,122						—						2,122						—

			December 31, 2025
			Carrying Value						Fair Value						Level 1						Level 2						Level 3
Assets
Cash and cash equivalents			$	324,692					$	324,692					$	324,692					$	—					$	—
Certificates of deposit in other banks			18,841						18,841						—						18,841						—
Debt securities available for sale, at fair value			142,540						142,540						—						142,540						—
Loans held for sale, at fair value			7,005						7,005						—						7,005						—
Loans held for sale, at the lower of cost or fair value			198,688						201,377						—						—						201,377
Loans, net			3,536,675						3,521,272						—						—						3,521,272
Accrued interest receivable			15,973						15,973						—						668						15,305
Liabilities
Noninterest-bearing and NOW deposits			1,254,135						1,254,135						—						1,254,135						—
Money market accounts			1,374,635						1,374,635						—						1,374,635						—
Savings accounts			171,455						171,455						—						171,455						—
Certificates of deposit			909,772						909,101						—						909,101						—
Junior subordinated debt			10,220						10,152						—						10,152						—
Borrowings			165,000						165,003						—						165,003						—
Accrued interest payable			5,605						5,605						—						5,605						—

The Company had off-balance sheet financial commitments, which included approximately $1,267,837 and $1,234,381 of commitments to originate loans, undisbursed portions of construction loans, unused lines of credit and standby letters of credit at September 30, 2026 and December 31, 2025, respectively (see "Note 11 – Commitments and Contingencies"). Since these commitments are based on current rates, the carrying amount approximates the fair value.

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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;

•expected revenues, cost savings, synergies and other benefits from our merger and acquisition activities, including our proposed acquisition of Blue Ridge Bankshares, Inc. ("Blue Ridge"), 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;

•specific to our proposed acquisition of Blue Ridge:

•the timing and completion of the merger is dependent on the satisfaction of customary closing conditions, and various other factors that cannot be predicted with precision at this point;

•the occurrence of any event, change or other circumstances that could give rise to the right of HomeTrust, Blue Ridge or both to terminate the merger agreement;

•completion of the merger is subject to bank regulatory approvals and such approvals may not be obtained in a timely manner or at all or may be subject to conditions which may cause additional significant expense or delay the consummation of the merger;

•potential adverse reactions or changes to business or employee relationships, including those resulting from the announcement or completion of the merger;

•the diversion of attention and time by the respective management teams of HomeTrust and Blue Ridge from ongoing business operations and opportunities on merger-related matters;

•the outcome of any legal proceedings related to the merger which may be instituted against HomeTrust or Blue Ridge;

•unanticipated challenges or delays in the integration of Blue Ridge’s business into HomeTrust’s business and/or the conversion of Blue Ridge’s operating systems and customer data onto HomeTrust’s may significantly increase the expense associated with the merger; and

•other factors that may affect future results of Blue Ridge and HomeTrust.

•the impact of geopolitical instability and trade policies on our operations including the imposition of tariffs and retaliatory tariffs;

•effects of natural disasters, other severe weather events, epidemics and other public health issues, and other external events;

•changes in interest rate levels and the duration of such changes, whether or not through actions by the Federal Reserve, which could materially affect our net interest margin, funding costs, asset values, and access to capital and liquidity;

•the impact of inflation or a potential recession, including monetary and fiscal policy responses thereto, and the impact on consumer and business behavior;

•the effects of a Federal government shutdown, a debt ceiling standoff, or other fiscal policy uncertainty;

•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, including 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;

•the ability to adapt to rapid technological changes, including advancements in artificial intelligence, digital banking and cybersecurity;

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•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;

•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.

Proposed Merger with Blue Ridge Bankshares, Inc.

On August 16, 2026, the Company, Blue Ridge Bankshares, Inc., a Virginia corporation ("Blue Ridge"), and Kinloch Merger Sub, Inc., a Virginia corporation and wholly owned subsidiary of the Company (“Merger Sub”), entered into an Agreement and Plan of Merger (the “merger agreement”). Pursuant to the terms and conditions set forth in the merger agreement, Merger Sub will merge with and into Blue Ridge (the “merger”), with Blue Ridge continuing as the surviving corporation, and immediately following the merger, Blue Ridge will merge with and into the Company (the “second step merger”), with the Company continuing as the surviving corporation.

Immediately following the second step merger, Blue Ridge Bank, National Association, the wholly owned bank subsidiary of Blue Ridge, will merge with and into HomeTrust Bank, the wholly owned bank subsidiary of the Company, with HomeTrust Bank as the surviving bank.

Subject to the terms and conditions of the merger agreement, at the effective time of the merger (“effective time”), each share of Blue Ridge common stock issued and outstanding immediately prior to the effective time, subject to limited exceptions, will be converted into the right to receive 0.086 of a share of Company common stock, plus cash in lieu of any fractional shares.

The transaction has been approved by the boards of directors of both companies, and all required regulatory applications have been filed. The transaction is expected to close early in the first quarter of 2027, subject to all regulatory and shareholder approvals and the satisfaction of customary closing conditions.

The total value of the transaction will fluctuate based on the Company's stock price prior to closing. Upon completion of the transaction, Blue Ridge shareholders are expected to own approximately 35% of the Company. The combined company will continue to trade on the NYSE under the ticker symbol "HTB."

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Overview

For the quarter ended September 30, 2026 compared to the quarter ended June 30, 2026:

•net income was $18.0 million compared to $15.6 million;

•diluted EPS were $1.11 compared to $0.94;

•annualized ROA was 1.65% compared to 1.46%;

•annualized ROE was 12.06% compared to 10.44%;

•net interest margin was 4.46% compared to 4.41%;

•provision for credit losses was $805,000 compared to $920,000;

•gain on the sale of fixed assets was $21,000 compared to $1.1 million;

•loss on the redemption of junior subordinated debt securities was $0 compared to $1.1 million;

•merger-related expense was $904,000 compared to $0;

•utilization of purchased renewable energy income tax credits resulted in a $1.9 million federal income tax benefit compared to $0;

•quarterly cash dividends continued at $0.15 per share totaling $2.4 million for each period; and

•923,897 shares of Company common stock were repurchased during the current quarter at an average price of $48.03 compared to 153,606 shares repurchased at an average price of $46.31 in the prior quarter.

For the nine months ended September 30, 2026 compared to the nine months ended September 30, 2025:

•net income was $50.4 million compared to $48.2 million;

•diluted EPS were $3.04 compared to $2.79;

•annualized ROA was 1.55% compared to 1.46%;

•annualized ROE was 11.28% compared to 11.20%;

•net interest margin was 4.39% compared to 4.27%;

•provision for credit losses was $2.1 million compared to $4.9 million;

•gain on the sale of our two Knoxville, Tennessee branches was $0 compared to $1.4 million;

•merger-related expense was $904,000 compared to $0;

•utilization of purchased renewable energy income tax credits resulted in a $1.9 million federal income tax benefit compared to $0;

•cash dividends were $0.43 per share totaling $7.1 million compared to $0.36 per share totaling $6.2 million; and

•1,610,743 shares of Company common stock were repurchased at an average price of $46.15 compared to 93,212 shares of Company common stock repurchased at an average price of $35.41 in the same period last year.

			Three Months Ended																		Nine Months Ended
(Dollars in thousands)			September 30, 2026						June 30, 2026												September 30, 2026						September 30, 2025
Interest and dividend income			$	62,889					$	61,173											$	185,559					$	192,671
Interest expense			16,426						15,879												49,497						60,146
Net interest income			46,463						45,294												136,062						132,525
Provision for credit losses			805						920												2,095						4,858
Net interest income after provision for credit losses			45,658						44,374												133,967						127,667
Noninterest income			9,069						9,247												28,347						26,935
Noninterest expense			34,137						33,979												101,091						93,482
Income before income taxes			20,590						19,642												61,223						61,120
Income tax expense			2,625						4,012												10,856						12,880
Net income			$	17,965					$	15,630											$	50,367					$	48,240
Net income per common share(1)
Basic			$	1.11					$	0.95											$	3.06					$	2.81
Diluted			1.11						0.94												3.04						2.79
Cash dividends declared per common share			0.15						0.15												0.43						0.36
Book value per share at end of period			36.05						35.90												36.05						34.01
Tangible book value per share at end of period(2)			33.70						33.67												33.70						31.83
Market price per share at end of period			45.77						49.89												45.77						40.94

(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

36

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 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:

			As of
(Dollars in thousands, except per share data)			September 30, 2026						June 30, 2026						September 30, 2025
Total stockholders' equity			$	570,134					$	600,600					$	595,833
Less: goodwill, core deposit intangibles, net of taxes			37,091						37,323						38,160
Tangible book value			$	533,043					$	563,277					$	557,673
Common shares outstanding			15,816,210						16,727,821						17,520,425
Book value per share			$	36.05					$	35.90					$	34.01
Tangible book value per share			$	33.70					$	33.67					$	31.83

Set forth below is a reconciliation to GAAP of tangible equity to tangible assets:

			As of
(Dollars in thousands)			September 30, 2026						June 30, 2026						September 30, 2025
Tangible equity(1)			$	533,043					$	563,277					$	557,673
Total assets			4,421,757						4,440,278						4,592,137
Less: goodwill, core deposit intangibles, net of taxes			37,091						37,323						38,160
Total tangible assets			$	4,384,666					$	4,402,955					$	4,553,977

Tangible equity to tangible assets 12.16  % 12.79  % 12.25  %

(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.

37

Comparison of Results of Operations for the Three Months Ended September 30, 2026 and June 30, 2026

Net Income. Net income totaled $18.0 million, or $1.11 per diluted share, for the three months ended September 30, 2026 compared to $15.6 million, or $0.94 per diluted share, for the three months ended June 30, 2026, an increase of $2.4 million, or 14.9%. The results for the three months ended September 30, 2026 compared to the three months ended June 30, 2026 were positively impacted by a $1.2 million increase in net interest income and a $1.4 million decrease in income tax expense as a result of the Company's utilization of purchased renewable energy income tax credits. 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, 2026																		June 30, 2026
(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)			$	3,804,490					$	59,330					6.19		%				$	3,770,898					$	57,507					6.12		%
Debt securities available for sale			144,381						1,701						4.67						152,647						1,667						4.38
Other interest-earning assets(2)			187,346						1,858						3.93						199,135						1,999						4.03
Total interest-earning assets			4,136,217						62,889						6.03						4,122,680						61,173						5.95
Other assets			177,503																		175,077
Total assets			$	4,313,720																	$	4,297,757
Liabilities and equity
Interest-bearing liabilities
Interest-bearing checking accounts			$	545,273					$	1,109					0.81		%				$	556,610					$	1,128					0.81		%
Money market accounts			1,407,617						9,160						2.58						1,376,199						8,678						2.53
Savings accounts			164,285						28						0.07						170,067						28						0.07
Certificate accounts			727,258						6,010						3.28						712,224						5,744						3.23
Total interest-bearing deposits			2,844,433						16,307						2.27						2,815,100						15,578						2.22
Junior subordinated debt			—						—						—						8,449						151						7.17
Borrowings			12,346						119						3.82						15,978						150						3.77
Total interest-bearing liabilities			2,856,779						16,426						2.28						2,839,527						15,879						2.24
Noninterest-bearing deposits			812,327																		806,566
Other liabilities			53,623																		50,949
Total liabilities			3,722,729																		3,697,042
Stockholders' equity			590,991																		600,715
Total liabilities and stockholders' equity			$	4,313,720																	$	4,297,757
Net earning assets			$	1,279,438																	$	1,283,153
Average interest-earning assets to average interest-bearing liabilities			144.79		%																145.19		%
Non-tax-equivalent
Net interest income									$	46,463																	$	45,294
Interest rate spread															3.75		%																3.71		%
Net interest margin(3)															4.46		%																4.41		%
Tax-equivalent(4)
Net interest income									$	46,902																	$	45,752
Interest rate spread															3.79		%																3.76		%
Net interest margin(3)															4.50		%																4.45		%

(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 $439 and $458 for the three months ended September 30, 2026 and June 30, 2026, respectively, calculated based on a combined federal and state tax rate of 23%.

Total interest and dividend income for the three months ended September 30, 2026 increased $1.7 million, or 2.8%, when compared to the three months ended June 30, 2026. An increase of $1.0 million in accretion income was the primary driver of this change, in addition to the impact of an additional day in the current quarter.

Total interest expense for the three months ended September 30, 2026 increased $547,000, or 3.4%, when compared to the three months ended June 30, 2026. An increase of $729,000, or 4.7%, in deposit interest expense drove this change, the result of increases in both the

38

average balances of and rates paid on money market and certificate accounts, partially offset by a decrease in interest expense associated with the redemption of junior subordinated debt securities during the prior quarter.

The following table shows the effects that changes in average balances (volume), including differences 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)			Volume						Rate
Interest-earning assets
Loans receivable			$	1,157					$	666					$	1,823
Debt securities available for sale			(72)						106						34
Other interest-earning assets			(98)						(43)						(141)
Total interest-earning assets			987						729						1,716
Interest-bearing liabilities
Interest-bearing checking accounts			(11)						(8)						(19)
Money market accounts			298						184						482
Savings accounts			(1)						1						—
Certificate accounts			187						79						266
Junior subordinated debt			(151)						—						(151)
Borrowings			(33)						2						(31)
Total interest-bearing liabilities			289						258						547
Increase in net interest income															$	1,169

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, 2026						June 30, 2026						$ Change						% Change
Provision for credit losses
Loans			$	790					$	1,020					$	(230)					(23)		%
Off-balance sheet credit exposure			15						(100)						115						115
Total provision for credit losses			$	805					$	920					$	(115)					(13)		%

For the quarter ended September 30, 2026, the "loans" portion of the provision for credit losses was primarily the result of the following, offset by net charge-offs of $1.1 million during the quarter:

•$0.5 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.

For the quarter ended June 30, 2026, the "loans" portion of the provision for credit losses was primarily the result of the following, offset by net charge-offs of $1.8 million during the quarter:

•$0.2 million provision driven by changes in the loan mix.

•$0.4 million benefit 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 quarters ended September 30, 2026 and June 30, 2026, 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.

39

Noninterest Income. Noninterest income for the three months ended September 30, 2026 decreased $178,000, or 1.9%, when compared to the quarter ended June 30, 2026. Changes in the components of noninterest income are discussed below:

			Three Months Ended
(Dollars in thousands)			September 30, 2026						June 30, 2026						$ Change						% Change
Noninterest income
Service charges and fees on deposit accounts			$	2,586					$	2,627					$	(41)					(2)		%
Loan income and fees			1,178						501						677						135
Gain on sale of loans held for sale			1,592						1,874						(282)						(15)
BOLI income			925						893						32						4
Operating lease income			1,731						1,407						324						23
Gain on sale of premises and equipment			21						1,101						(1,080)						(98)
Other			1,036						844						192						23
Total noninterest income			$	9,069					$	9,247					$	(178)					(2)		%

•Loan income and fees: The increase was primarily the result of an increase of $771,000 in prepayment penalty fees, partially offset by a $61,000 decrease in other loan servicing fees.

•Gain on sale of loans held for sale: The decrease was primarily driven by a drop in the sales volume of the guaranteed portion of SBA commercial loans and residential mortgage loans originated for sale, partially offset by an increase in the sales volume of HELOC loans. There were $60.9 million of HELOCs originated for sale which were sold during the current quarter with gains of $329,000 compared to $17.2 million sold with gains of $93,000 in the prior quarter. There were $12.9 million in sales of the guaranteed portion of SBA commercial loans with gains of $925,000 during the current quarter compared to $15.3 million sold and gains of $1.3 million for the prior quarter. There were $26.5 million of residential mortgage loans sold for gains of $399,000 during the current quarter compared to $39.9 million sold with gains of $481,000 in the prior quarter. Lastly, our hedging of mandatory commitments on the residential mortgage loan pipeline resulted in a net loss of $61,000 for the current quarter compared to a net gain of $4,000 for the prior quarter.

•Operating lease income: The increase was the result of net gains of $274,000 upon contract termination versus net losses of $387,000 in the prior quarter, partially offset by a $337,000 decrease in contract earnings.

•Gain on sale of premises and equipment: In both periods presented, gains were recognized on the sale of excess real estate and other equipment.

Noninterest Expense. Noninterest expense for the three months ended September 30, 2026 increased $158,000, or 0.5%, when compared to the three months ended June 30, 2026. Changes in the components of noninterest expense are discussed below:

			Three Months Ended
(Dollars in thousands)			September 30, 2026						June 30, 2026						$ Change						% Change
Noninterest expense
Salaries and employee benefits			$	20,128					$	20,169					$	(41)					—		%
Occupancy expense, net			2,551						2,417						134						6
Computer services			2,934						3,027						(93)						(3)
Operating lease depreciation expense			1,127						1,378						(251)						(18)
Telecom, postage and supplies			558						509						49						10
Marketing and advertising			837						584						253						43
Deposit insurance premiums			468						481						(13)						(3)
Core deposit intangible amortization			303						302						1						—
Merger-related expense			904						—						904						100
Loss on redemption of junior subordinated debt securities			—						1,079						(1,079)						(100)
Other			4,327						4,033						294						7
Total noninterest expense			$	34,137					$	33,979					$	158					—		%

•Operating lease depreciation expense: The decrease was due to a decline in the population of operating lease contracts (assets being depreciated) quarter-over-quarter.

•Marketing and advertising: The increase was associated with the launch of online deposit account opening.

•Merger-related expense: The current quarter includes costs incurred related to professional fees and due diligence performed associated with the Company's pending acquisition of Blue Ridge. No such costs were incurred in the prior quarter.

•Loss on redemption of junior subordinated debt securities: We previously established a fair value mark (discount) on the junior subordinated debt securities assumed through our merger with Quantum Capital Corp. and had been accreting the discount into interest expense. Associated with our redemption of the debt instruments last quarter, we wrote-off the remaining discount as an expense.

Income Taxes. The amount of income tax expense is influenced by the amount of pre-tax income, tax-exempt income, income tax credits, 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, 2026 and June 30, 2026 were 12.7% and 20.4%, respectively, with the quarter-over-quarter decrease driven by the recognition of a $1.9 million benefit associated with the Company's utilization of purchased income tax credits.

40

Comparison of Results of Operations for the Nine Months Ended September 30, 2026 and September 30, 2025

Net Income. Net income totaled $50.4 million, or $3.04 per diluted share, for the nine months ended September 30, 2026 compared to $48.2 million, or $2.79 per diluted share, for the nine months ended September 30, 2025, an increase of $2.2 million, or 4.4%. The results for the nine months ended September 30, 2026 compared to the prior year were positively impacted by a $3.5 million increase in net interest income, a $2.8 million decrease in the provision for credit losses, and a $1.4 million increase in noninterest income, partially offset by a $7.6 million increase in noninterest expense. In addition, income tax expense declined by $2.0 million primarily as a result of the Company's utilization of purchased income tax credits. 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.

			Nine Months Ended
			September 30, 2026																		September 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)			$	3,789,833					$	174,562					6.16		%				$	3,827,840					$	180,802					6.32		%
Debt securities available for sale			147,182						4,972						4.52						149,525						5,107						4.57
Other interest-earning assets(2)			204,365						6,025						3.94						168,984						6,762						5.35
Total interest-earning assets			4,141,380						185,559						5.99						4,146,349						192,671						6.21
Other assets			190,354																		262,029
Total assets			$	4,331,734																	$	4,408,378
Liabilities and equity
Interest-bearing liabilities
Interest-bearing checking accounts			$	554,308					$	3,338					0.81		%				$	560,348					$	3,656					0.87		%
Money market accounts			1,384,601						26,453						2.55						1,335,414						27,457						2.75
Savings accounts			168,172						85						0.07						180,760						106						0.08
Certificate accounts			756,340						18,859						3.33						917,394						27,474						4.00
Total interest-bearing deposits			2,863,421						48,735						2.28						2,993,916						58,693						2.62
Junior subordinated debt			6,189						339						7.32						10,155						618						8.14
Borrowings			14,981						423						3.78						24,117						835						4.63
Total interest-bearing liabilities			2,884,591						49,497						2.29						3,028,188						60,146						2.66
Noninterest-bearing deposits			792,989																		740,785
Other liabilities			57,177																		63,791
Total liabilities			3,734,757																		3,832,764
Stockholders' equity			596,977																		575,614
Total liabilities and stockholders' equity			$	4,331,734																	$	4,408,378
Net earning assets			$	1,256,789																	$	1,118,161
Average interest-earning assets to average interest-bearing liabilities			143.57		%																136.96		%
Non-tax-equivalent
Net interest income									$	136,062																	$	132,525
Interest rate spread															3.70		%																3.55		%
Net interest margin(3)															4.39		%																4.27		%
Tax-equivalent(4)
Net interest income									$	137,394																	$	133,814
Interest rate spread															3.74		%																3.59		%
Net interest margin(3)															4.44		%																4.31		%

(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 $1,332 and $1,289 for the nine months ended September 30, 2026 and 2025, respectively, calculated based on combined federal and state tax rates of 23% and 24% for the same periods, respectively.

Total interest and dividend income for the nine months ended September 30, 2026 decreased $7.1 million, or 3.7%, when compared to the nine months ended September 30, 2025. A decline of $6.2 million, or 3.5%, in loan interest income drove this change, primarily due to runoff in the equipment finance portfolio and a decline in the average balance of HELOC loans held for sale. Accretion income on acquired loans of $2.4 million and $1.7 million was recognized during the same periods, respectively, and was included in loan interest income.

41

Total interest expense for the nine months ended September 30, 2026 decreased $10.6 million, or 17.7%, when compared to the nine months ended September 30, 2025. A decline of $10.0 million, or 17.0%, in deposit interest expense drove this change, primarily the result of a decline in the average balance of certificate accounts, specifically brokered deposits, in addition to a decline in the average cost of funds across funding categories.

The following table shows the effects that changes in average balances (volume), including differences 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)			Volume						Rate
Interest-earning assets
Loans receivable			$	(1,795)					$	(4,445)					$	(6,240)
Debt securities available for sale			(80)						(55)						(135)
Other interest-earning assets			1,416						(2,153)						(737)
Total interest-earning assets			(459)						(6,653)						(7,112)
Interest-bearing liabilities
Interest-bearing checking accounts			(39)						(279)						(318)
Money market accounts			1,011						(2,015)						(1,004)
Savings accounts			(7)						(14)						(21)
Certificate accounts			(4,823)						(3,792)						(8,615)
Junior subordinated debt			(241)						(38)						(279)
Borrowings			(316)						(96)						(412)
Total interest-bearing liabilities			(4,415)						(6,234)						(10,649)
Increase in net interest income															$	3,537

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, 2026						September 30, 2025						$ Change						% Change
Provision for credit losses
Loans			$	2,755					$	3,940					$	(1,185)					(30)		%
Off-balance sheet credit exposure			(660)						918						(1,578)						(172)
Total provision for credit losses			$	2,095					$	4,858					$	(2,763)					(57)		%

For the nine months ended September 30, 2026, the "loans" portion of the provision for credit losses was the result of the following, offset by net charge-offs of $4.7 million during the period:

•$0.6 million benefit driven by changes in the loan mix.

•$0.1 million benefit due to changes in the projected economic forecast, specifically the national unemployment rate, and changes in qualitative adjustments.

•$1.2 million decrease in specific reserves on individually evaluated credits.

For the nine months 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.

•$0.8 million increase in specific reserves on individually evaluated loans.

For the nine months ended September 30, 2026 and September 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.

42

Noninterest Income. Noninterest income for the nine months ended September 30, 2026 increased $1.4 million, or 5.2%, 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, 2026						September 30, 2025						$ Change						% Change
Noninterest income
Service charges and fees on deposit accounts			$	7,627					$	7,273					$	354					5		%
Loan income and fees			2,371						1,846						525						28
Gain on sale of loans held for sale			6,120						5,742						378						7
BOLI income			2,710						2,576						134						5
Operating lease income			5,030						5,032						(2)						—
Gain on sale of branches			—						1,448						(1,448)						(100)
Gain on sale of premises and equipment			1,499						28						1,471						5,254
Other			2,990						2,990						—						—
Total noninterest income			$	28,347					$	26,935					$	1,412					5		%

•Loan income and fees: The increase was the result of an additional $907,000 in prepayment penalty fees, partially offset by declines of $274,000 and $156,000 in loan commitment and interest rate swap fees, respectively.

•Gain on sale of loans held for sale: The increase was primarily driven by an increase in the sales volume of the guaranteed portion of SBA commercial loans, partially offset by a reduction in the sales volume of HELOC loans originated for sale. During the nine months ended September 30, 2026, there were $44.5 million of sales of the guaranteed portion of SBA commercial loans with gains of $3.4 million compared to $21.6 million sold with gains of $1.5 million for the corresponding period in the prior year. There were $89.7 million of residential mortgage loans originated for sale sold during the current period for gains of $1.3 million compared to $82.4 million sold with gains of $1.8 million for the corresponding period in the prior year. There were $181.2 million of HELOC loans originated for sale which were sold during the current period with gains of $1.4 million compared to $243.5 million sold with gains of $2.3 million for the corresponding period in the prior year. Lastly, our hedging of mandatory commitments on the residential mortgage loan pipeline resulted in a net gain of $11,000 for the nine months ended September 30, 2026 compared to $163,000 for the nine months ended September 30, 2025.

•Gain on sale of branches: During the prior year period we completed the sale of our two Knoxville, Tennessee branches, recognizing a gain of $1.4 million, with no similar activity occurring in the current year period.

•Gain on sale of premises and equipment: In both periods presented, gains were recognized on the sale of excess parcels of real estate and other equipment.

Noninterest Expense. Noninterest expense for the nine months ended September 30, 2026 increased $7.6 million, or 8.1%, 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, 2026						September 30, 2025						$ Change						% Change
Noninterest expense
Salaries and employee benefits			$	60,174					$	54,415					$	5,759					11		%
Occupancy expense, net			7,598						7,449						149						2
Computer services			8,838						7,855						983						13
Operating lease depreciation expense			4,021						5,427						(1,406)						(26)
Telecom, postage and supplies			1,648						1,646						2						—
Marketing and advertising			1,838						1,365						473						35
Deposit insurance premiums			1,433						1,452						(19)						(1)
Core deposit intangible amortization			979						1,336						(357)						(27)
Merger-related expense			904						—						904						100
Loss on redemption of junior subordinated debt securities			1,079						—						1,079						100
Other			12,579						12,537						42						—
Total noninterest expense			$	101,091					$	93,482					$	7,609					8		%

•Salaries and employee benefits: The increase was primarily the result of new hires and increases in pay, incentive compensation and medical premiums.

•Computer services: The increase year-over-year reflects the Company's further investment in both our internal- and external-facing technological capabilities.

•Operating lease depreciation expense: The decrease was due to a decline in the population of operating lease contracts (assets being depreciated) year-over-year.

•Marketing and advertising: The increase was associated with the launch of online deposit account opening.

•Core deposit intangible amortization: The intangible recorded in association with the Quantum merger is being amortized on an accelerated basis, so the rate of amortization slowed year-over-year.

43

•Merger-related expense: See explanation in the "Comparison of Results of Operations for the Three Months Ended September 30, 2026 and June 30, 2026 – Noninterest Expense" section above.

•Loss on redemption of junior subordinated debt securities: See explanation in the "Comparison of Results of Operations for the Three Months Ended September 30, 2026 and June 30, 2026 – Noninterest Expense" section above.

Income Taxes. The amount of income tax expense is influenced by the amount of pre-tax income, tax-exempt income, income tax credits, changes in the statutory rate and the effect of changes in valuation allowances maintained against deferred tax benefits. The effective tax rates for the nine months ended September 30, 2026 and 2025 were 17.7% and 21.1%, respectively, with the year-over-year decrease primarily driven by the recognition of a $1.9 million benefit associated with the Company's utilization of purchased income tax credits.

Comparison of Financial Condition at September 30, 2026 and December 31, 2025

General.  Total assets decreased by $123.9 million to $4.4 billion and total liabilities decreased by $93.3 million to $3.9 billion at September 30, 2026 as compared to December 31, 2025. These changes can be traced to the use of existing liquidity and the proceeds from loan sales to fund $50.2 million in loan growth, offset a $126.4 million decline in deposits and fund $75.0 million in stock repurchases. The decrease in deposits was the result of a $145.6 million reduction in brokered deposits, partially offset by an increase of $19.2 million in all other deposit categories.

Cash and Cash Equivalents.  Total cash and cash equivalents decreased $78.2 million, or 24.1%, to $246.5 million at September 30, 2026 from $324.7 million at December 31, 2025.

Certificates of Deposit in Other Banks.  Total certificates of deposit in other banks decreased $10.1 million, or 53.8%, to $8.7 million at September 30, 2026 compared to December 31, 2025.

Debt Securities Available for Sale.  Debt securities available for sale decreased $3.8 million, or 2.7%, to $138.7 million at September 30, 2026 from $142.5 million at December 31, 2025. Outside of fluctuations in value, the changes between periods were the result of $31.4 million in purchases, partially offset by $30.8 million in proceeds from the maturity, call and paydown of securities. All purchases were MBS and consistent with the composition of the existing securities held in the portfolio.

Loans Held for Sale. Loans held for sale decreased $104.2 million, or 50.7%, to $101.5 million at September 30, 2026 from $205.7 million at December 31, 2025. This was driven by a decrease of $106.1 million, or 65.2%, in HELOC loans held for sale due to loan sales during the current period.

Loans, Net of Deferred Loan Fees and Costs.  Loans held for investment totaled $3.6 billion at September 30, 2026, an increase of $50.2 million, or 1.4%, compared to the balance as of December 31, 2025. The following table illustrates the changes within the portfolio:

			As of												Change												Percent of Total
			September 30, 2026						December 31, 2025																		September 30, 2026						December 31, 2025
(Dollars in thousands)															$						%
Commercial real estate loans
Construction and land development			$	336,851					$	277,028					$	59,823					22		%				9		%				8		%
Commercial real estate – owner occupied			554,160						562,049						(7,889)						(1)						15						16
Commercial real estate – non-owner occupied			826,745						832,502						(5,757)						(1)						23						23
Multifamily			137,122						110,912						26,210						24						4						3
Total commercial real estate loans			1,854,878						1,782,491						72,387						4						51						50
Commercial loans
Commercial and industrial			418,045						378,686						39,359						10						12						10
Equipment finance			237,065						311,356						(74,291)						(24)						7						9
Municipal leases			162,410						166,396						(3,986)						(2)						4						5
Total commercial loans			817,520						856,438						(38,918)						(5)						23						24
Residential real estate loans
Construction and land development			50,206						45,617						4,589						10						1						1
One-to-four family			623,822						633,511						(9,689)						(2)						17						18
HELOCs			255,991						217,310						38,681						18						7						6
Total residential real estate loans			930,019						896,438						33,581						4						25						25
Consumer loans			25,909						42,787						(16,878)						(39)						1						1
Total loans, net of deferred loan fees and costs			$	3,628,326					$	3,578,154					$	50,172					1		%				100		%				100		%

44

Asset Quality. The following table sets forth the composition of nonperforming assets, made up of nonaccrual loans and repossessed assets, across our asset categories.

(Dollars in thousands)			September 30, 2026						June 30, 2026						March 31, 2026
Nonaccruing loans
Commercial real estate
Construction and land development			$	1,805					$	472					$	854
Commercial real estate – owner occupied			21,236						11,996						11,256
Commercial real estate – non-owner occupied			7,206						4,273						6,704
Multifamily			—						838						—
Total commercial real estate			30,247						17,579						18,814
Commercial
Commercial and industrial			16,149						14,617						10,578
Equipment finance			5,238						5,003						6,096
Total commercial			21,387						19,620						16,674
Residential real estate
One-to-four family			5,629						5,168						3,632
HELOCs			8,160						7,797						7,140
Total residential real estate			13,789						12,965						10,772
Consumer			388						438						479
Total nonaccruing loans			$	65,811					$	50,602					$	46,739
Total repossessed assets			4,586						4,049						316
Total nonperforming assets			$	70,397					$	54,651					$	47,055
Total nonperforming assets as a percentage of total assets			1.59		%				1.23		%				1.07		%
Total SBA loans included in nonaccrual loans			$	29,049					$	30,254					$	22,720
Portion of SBA loans fully guaranteed by the SBA			22,665						23,563						16,348
Total nonaccruing loans, excluding the balance fully guaranteed by the SBA			43,146						27,039						30,391
Total repossessed assets			4,586						4,049						316
Total nonperforming assets, excluding the balance fully guaranteed by the SBA			$	47,732					$	31,088					$	30,707
Total nonperforming assets, excluding the balance fully guaranteed by the SBA, as a percentage of total assets			1.08		%				0.70		%				0.70		%

SBA loans made up 41.3%, 55.4% and 48.5% of total nonperforming assets at September 30, 2026, June 30, 2026 and March 31, 2026, respectively. The increase between March 31, 2026 and September 30, 2026 is partially the result of a management decision to accelerate the repurchase of the sold portion of nonperforming SBA loans (fully guaranteed portion) to simplify the workout process. In addition, one $18.0 million commercial loan relationship was newly classified as nonperforming during the quarter ended September 30, 2026 although no loss is anticipated.

Classified assets increased by $21.4 million, or 30.2%, to $92.1 million, or 2.08% of total assets, as of September 30, 2026 when compared to the balance of $70.7 million, or 1.59% of total assets, as of June 30, 2026. Classified assets increased by $25.9 million, or 39.2%, to $92.1 million, or 2.08% of total assets, as of September 30, 2026 when compared to the balance of $66.2 million, or 1.46% of total assets, as of December 31, 2025. SBA loans made up the largest portion of classified assets at $33.0 million and $27.3 million, respectively, as of September 30, 2026 and December 31, 2025, of which $25.2 million and $19.8 million, respectively, was fully guaranteed. The remaining population of classified assets as of September 30, 2026 included $17.5 million of owner-occupied commercial real estate loans, $11.0 million of HELOCs, $10.2 million of 1-4 family residential real estate loans, $7.7 million of equipment finance loans (concentrated in the transportation sector), and $6.5 million of commercial and industrial loans.

45

Allowance for Credit Losses on Loans.  The ACL on loans was $39.5 million, or 1.09% of total loans, at September 30, 2026 compared to $41.5 million, or 1.16% of total loans, at December 31, 2025. The drivers of this change are discussed in the "Comparison of Results of Operations for the Nine Months Ended September 30, 2026 and September 30, 2025 – Provision for Credit Losses" section above.

The following table summarizes the distribution of the ACL by loan category at the dates indicated.

			September 30, 2026																		December 31, 2025
(Dollars in thousands)			Allocated Allowance						% of Loan Portfolio						ACL to Loans						Allocated Allowance						% of Loan Portfolio						ACL to Loans
Commercial real estate
Construction and land development			$	4,421					9		%				0.12		%				$	3,948					8		%				0.11		%
Commercial real estate – owner occupied			5,185						15						0.14						5,404						16						0.15
Commercial real estate – non-owner occupied			8,798						23						0.24						8,908						23						0.25
Multifamily			1,291						4						0.04						1,038						3						0.03
Total commercial real estate			19,695						51						0.54						19,298						50						0.54
Commercial
Commercial and industrial			4,856						12						0.13						4,894						10						0.14
Equipment finance			5,665						7						0.16						8,110						9						0.22
Municipal leases			305						4						0.01						327						5						0.01
Total commercial			10,826						23						0.30						13,331						24						0.37
Residential real estate
Construction and land development			293						1						0.01						307						1						0.01
One-to-four family			6,149						17						0.17						6,342						18						0.18
HELOCs			2,221						7						0.06						1,843						6						0.05
Total residential real estate			8,663						25						0.24						8,492						25						0.24
Consumer			317						1						0.01						358						1						0.01
Total loans			$	39,501					100		%				1.09		%				$	41,479					100		%				1.16		%

			September 30, 2026												December 31, 2025
(Dollars in thousands)			Allocated Allowance						ACL to Loans						Allocated Allowance						ACL to Loans
ACL composition
Quantitative allocation			$	21,528					0.60		%				$	22,832					0.64		%
Qualitative allocation			17,890						0.49						17,359						0.50
Individual allocation			83						—						1,288						0.02
Total ACL			$	39,501					1.09		%				$	41,479					1.16		%

Net loan charge-offs totaled $4.7 million for the nine months ended September 30, 2026 compared to $6.1 million for the same period last year. Net charge-offs were concentrated within our equipment finance portfolio, primarily related to over-the-road truck loans, where we recognized net charge-offs of $2.7 million and $4.2 million for the same periods, respectively. Annualized net charge-offs as a percentage of average loans were 0.17% for the nine months ended September 30, 2026 as compared to 0.21% for the nine months ended September 30, 2025.

Income taxes receivable.  The balance of income taxes receivable increased $15.7 million, or 273.3%, to $21.4 million at September 30, 2026 compared to $5.7 million at December 31, 2025, due to the purchase of renewable energy income tax credits in the current year to be collected in future periods.

Deposits.  The following table summarizes the composition of our deposit portfolio as of the dates indicated:

(Dollars in thousands)			September 30, 2026						December 31, 2025						$ Change						% Change
Core deposits
Noninterest-bearing accounts			$	773,502					$	707,748					$	65,754					9		%
NOW accounts			550,907						546,387						4,520						1
Money market accounts			1,381,671						1,374,635						7,036						1
Savings accounts			161,826						171,455						(9,629)						(6)
Total core deposits			2,867,906						2,800,225						67,681						2
Certificates of deposit			715,703						909,772						(194,069)						(21)
Total			$	3,583,609					$	3,709,997					$	(126,388)					(3)		%

The decrease in deposits was the result of a $145.6 million reduction in brokered deposits, partially offset by an increase of $19.2 million in all other deposit categories.

Junior subordinated debt.  The balance of junior subordinated debt declined from $10.2 million at December 31, 2025 to $0 at September 30, 2026 as the debt was redeemed during the current year.

46

Stockholders' Equity.  Stockholders' equity decreased $30.6 million to $570.1 million at September 30, 2026 as compared to December 31, 2025. Activity within stockholders' equity included $50.4 million in net income and $5.8 million in share-based compensation and stock option exercises, partially offset by $7.1 million in cash dividends declared and $75.0 million in stock repurchases. In addition, accumulated other comprehensive income declined by $4.0 million as the unrealized loss on available for sale securities increased due to changes in market interest rates.

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 expected liquidity demands. The primary sources are increases in deposit accounts, wholesale borrowings and cash flows from payments on the loan and securities portfolios.

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 loans, indirect auto loans, and equipment and municipal leases are pledged as collateral to secure outstanding FRB advances. At September 30, 2026, the Company had the ability to borrow $338.1 million through additional FHLB advances and $480,000 through the unused portion of a line of credit with the FRB. At this same date, the Company maintained revolving lines of credit with four unaffiliated banks which totaled $135.0 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, 2026, brokered deposits totaled $125.8 million, or 3.5% 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. 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, 2026, we (on an unconsolidated basis) had liquid assets of $7.3 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, 2026, the total approved loan commitments and unused lines of credit outstanding amounted to $331.7 million and $884.7 million, respectively. Certificates of deposit scheduled to mature in one year or less at September 30, 2026 totaled $703.5 million. It is management's policy to manage deposit rates to be 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 11 – 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 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, 2026, 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, 2026 under applicable regulatory requirements.

47

HomeTrust Bancshares, Inc. and the Bank's actual and required minimum capital amounts and ratios are as follows:

															Regulatory Requirements
			Actual												Minimum for Capital Adequacy Purposes												Minimum to Be Well Capitalized
(Dollars in thousands)			Amount						Ratio						Amount						Ratio						Amount						Ratio
HomeTrust Bancshares, Inc.
September 30, 2026
CET1 Capital (to risk-weighted assets)			$	535,431					13.34		%				$	180,659					4.50		%				$	260,952					6.50		%
Tier I Capital (to total adjusted assets)			535,431						12.52						171,067						4.00						213,834						5.00
Tier I Capital (to risk-weighted assets)			535,431						13.34						240,878						6.00						321,171						8.00
Total Risk-based Capital (to risk-weighted assets)			578,892						14.42						321,171						8.00						401,464						10.00
December 31, 2025
CET1 Capital (to risk-weighted assets)			$	560,919					13.83		%				$	182,491					4.50		%				$	263,598					6.50		%
Tier I Capital (to total adjusted assets)			571,139						12.99						175,853						4.00						219,816						5.00
Tier I Capital (to risk-weighted assets)			571,139						14.08						243,321						6.00						324,429						8.00
Total Risk-based Capital (to risk-weighted assets)			617,238						15.22						324,429						8.00						405,536						10.00
HomeTrust Bank
September 30, 2026
CET1 Capital (to risk-weighted assets)			$	520,777					12.98		%				$	180,550					4.50		%				$	260,794					6.50		%
Tier I Capital (to total adjusted assets)			520,777						12.19						170,843						4.00						213,554						5.00
Tier I Capital (to risk-weighted assets)			520,777						12.98						240,733						6.00						320,978						8.00
Total Risk-based Capital (to risk-weighted assets)			564,238						14.06						320,978						8.00						401,222						10.00
December 31, 2025
CET1 Capital (to risk-weighted assets)			$	555,807					13.71		%				$	182,427					4.50		%				$	263,506					6.50		%
Tier I Capital (to total adjusted assets)			555,807						12.65						175,795						4.00						219,743						5.00
Tier I Capital (to risk-weighted assets)			555,807						13.71						243,236						6.00						324,315						8.00
Total Risk-based Capital (to risk-weighted assets)			601,906						14.85						324,315						8.00						405,394						10.00

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, 2026, 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 2025 Form 10-K.

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, 2026, 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, 2026, 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, 2026 that have materially affected, or are reasonably likely to materially affect, the Company’s internal control over financial reporting.

48

PART II. OTHER INFORMATION

Item 1. Legal Proceedings

The "Litigation" section of "Note 11 – 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 2025 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, 2026:

Period			Total # of Shares Purchased						Average Price Paid per Share						Total # of Shares Purchased as Part of Publicly Announced Plans						Maximum # of Shares that May Yet Be Purchased Under Publicly Announced Plans
July 1 - July 31, 2026			66,436						$	50.80					66,436						25,461
August 1 - August 31, 2026			500,202						48.15						500,202						357,259
September 1 - September 30, 2026			357,259						47.34						357,259						—
Total			923,897						$	48.03					923,897						—

The Company's Board of Directors has, from time to time, authorized the repurchase of its common stock. In July 2026, the Company completed the repurchase plan originally authorized on December 15, 2025, of 870,000 shares of common stock which represented approximately 5% of the Company's outstanding shares at the time of the announcement. On August 4, 2026, an additional 832,000 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, 2026, all of these shares had been purchased at an average price of $47.70 per share.

On October 5, 2026, the Company announced the completion of the previous stock repurchase program and the authorization of the repurchase of an additional 790,000 shares of common stock, representing approximately 5% of the Company's outstanding shares at the time of the announcement. 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, 2026, 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.

49

Item 6. Exhibits

Regulation S-K Exhibit #

Document

Reference 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 Agreement between HomeTrust Bancshares, Inc. and C. Hunter Westbrook

(g)

10.2A

Amendment No. 1 to Amended and Restated Employment Agreement between HomeTrust Bancshares, Inc. and C. Hunter Westbrook

(b)

10.2B

Amendment No. 2 to Amended and Restated Employment Agreement between HomeTrust Bancshares, Inc. and C. Hunter Westbrook

(h)

10.2C

Amendment No. 3 to Amended and Restated Employment Agreement between HomeTrust Bancshares, Inc. and C. Hunter Westbrook

(o)

10.2D

Amendment No. 4 to Amended and Restated Employment Agreement between HomeTrust Bancshares, Inc. and C. Hunter Westbrook

(e)

10.3

Amended and Restated Employment Agreement between HomeTrust Bancshares, Inc. and Tony J. VunCannon

(g)

10.3A

Amendment No. 1 to Amended and Restated Employment Agreement between HomeTrust Bancshares, Inc. and Tony VunCannon

(a)

10.4

HomeTrust Bank Executive Supplemental Retirement Income Master Agreement (“SERP”)

(d)

10.5

Amendment No. 1 to SERP

(m)

10.6

Amendment No. 2 to SERP

(l)

10.6A

SERP Joinder Agreement for F. Edward Broadwell, Jr.

(d)

10.6B

SERP Joinder Agreement for Dana L. Stonestreet

(d)

10.6C

SERP Joinder Agreement for Tony J. VunCannon

(d)

10.6D

SERP Joinder Agreement for Howard L. Sellinger

(d)

10.6E

SERP Joinder Agreement for Stan Allen

(d)

10.6F

SERP Joinder Agreement for Sidney A. Biesecker

(d)

10.6G

SERP Joinder Agreement for Peggy C. Melville

(d)

10.6H

SERP Joinder Agreement for William T. Flynt

(d)

10.6I

Amended and Restated Supplemental Income Agreement between HomeTrust Bank, as successor to Industrial Federal Savings Bank, and Sidney Biesecker

(i)

10.7

HomeTrust Bank Director Emeritus Plan (“Director Emeritus Plan”)

(d)

10.7A

Director Emeritus Plan Joinder Agreement for William T. Flynt

(d)

10.7B

Director Emeritus Plan Joinder Agreement for J. Steven Goforth

(d)

10.7C

Director Emeritus Plan Joinder Agreement for Craig C. Koontz

(d)

10.7D

Director Emeritus Plan Joinder Agreement for Larry S. McDevitt

(d)

10.7E

Director Emeritus Plan Joinder Agreement for F.K. McFarland, III

(d)

10.7F

Director Emeritus Plan Joinder Agreement for Peggy C. Melville

(d)

10.7G

Director Emeritus Plan Joinder Agreement for Robert E. Shepherd, Sr.

(d)

10.8

HomeTrust Bank Defined Contribution Executive Medical Care Plan

(d)

10.8A

Amendment No. 1 to HomeTrust Bank Defined Contribution Executive Medical Care Plan

(m)

10.8B

Form of Joinder Agreement Under the HomeTrust Bank Defined Contribution Executive Medical Care Plan

(m)

10.8C

Amendment No. 2 to HomeTrust Bank Defined Contribution Executive Medical Care Plan

(r)

10.8D

Amendment No. 3 to HomeTrust Bank Defined Contribution Executive Medical Care Plan

(t)

10.9

HomeTrust Bank 2005 Deferred Compensation Plan

(d)

10.9A

Amendment No. 1 to HomeTrust Bank 2005 Deferred Compensation Plan

(m)

10.10

HomeTrust Bank Pre-2005 Deferred Compensation Plan

(d)

10.10A

Amendment No. 1 to HomeTrust Bank Pre-2005 Deferred Compensation Plan

(m)

10.11

HomeTrust Bank 2025 Deferred Compensation Plan

(x)

10.12

HomeTrust Bancshares, Inc. 2013 Omnibus Incentive Plan (“2013 Omnibus Incentive Plan”)

(j)

10.12A

Form of Incentive Stock Option Award Agreement under 2013 Omnibus Incentive Plan

(k)

10.12B

Form of Non-Qualified Stock Option Award Agreement under 2013 Omnibus Incentive Plan

(k)

10.12C

Form of Stock Appreciation Right Award Agreement under 2013 Omnibus Incentive Plan

(k)

50

Regulation S-K Exhibit #

Document

Reference to Prior Filing or Exhibit # Attached Hereto

10.12D

Form of Restricted Stock Award Agreement under 2013 Omnibus Incentive Plan

(k)

10.12E

Form of Restricted Stock Unit Award Agreement under 2013 Omnibus Incentive Plan

(k)

10.13

HomeTrust Bancshares, Inc. 2022 Omnibus Incentive Plan (“2022 Omnibus Incentive Plan”)

(q)

10.13A

Form of Non-Qualified Stock Option Award Agreement under the Registrant’s 2022 Omnibus Incentive Plan

(u)

10.13B

Form of Restricted Stock Award Agreement for Employees under the Registrant’s 2022 Omnibus Incentive Plan

(u)

10.13C

Form of Restricted Stock Award Agreement for Directors under the Registrant’s 2022 Omnibus Incentive Plan

(u)

10.14

Amended and Restated Change in Control Severance Agreement between HomeTrust Bancshares, Inc. and John Sprink

(s)

10.15

Change in Control Severance Agreement between HomeTrust Bancshares, Inc. and Kristin Powell

(r)

10.15A

Amendment No. 1 to Change in Control Severance Agreement between HomeTrust Bancshares, Inc. and Kristin Powell

(a)

10.16

Change in Control Severance Agreement between HomeTrust Bancshares, Inc. and Megan Pelletier

(a)

10.17

Change in Control Severance Agreement between HomeTrust Bancshares, Inc. and Lora Jex

(p)

10.18

Change in Control Severance Agreement between HomeTrust Bancshares, Inc. and Chuck Sivley

(v)

10.19

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)

101

The following materials from HomeTrust Bancshares’ Annual Report on Form 10-K for the year ended December 31, 2025, 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, 2025 (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).

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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, 2026			By:			/s/ C. Hunter Westbrook
						C. Hunter Westbrook
						President and Chief Executive Officer
						(Duly Authorized Officer)
Date: November 6, 2026			By:			/s/ Tony J. VunCannon
						Tony J. VunCannon
						Executive Vice President, CFO, Corporate Secretary and Treasurer
						(Principal Financial and Accounting Officer)

52