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HomeTrust Bancshares
HTB
#6535
Rank
โ‚ฌ0.67 B
Marketcap
๐Ÿ‡บ๐Ÿ‡ธ United States
Country
40,35ย โ‚ฌ
Share price
0.24%
Change (1 day)
29.94%
Change (1 year)
๐Ÿฆ Banks๐Ÿ’ณ Financial services
Categories
  1. HomeTrust Bancshares
  2. Quarterly Reports (10-Q)
  3. Submitted on 2026-05-06

HomeTrust Bancshares - 10-Q quarterly report FY


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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 March 31, 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 classTrading SymbolName of each exchange on which registered
Common Stock, par value $0.01 per shareHTBThe New York Stock Exchange LLC

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

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

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company” and "emerging growth company" in Rule 12b-2 of the Exchange Act.
Large accelerated filer ☐      
Accelerated filer ☒
Non-accelerated filer   ☐
Smaller reporting company ☐
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).  Yes ☐ No ☒
There were 16,805,350 shares of common stock, par value of $0.01 per share, issued and outstanding as of April 30, 2026.


HOMETRUST BANCSHARES, INC. AND SUBSIDIARIES
FORM 10-Q
TABLE OF CONTENTS
 Page
 
Item 1 
  
Consolidated Balance Sheets at March 31, 2026 (Unaudited) and December 31, 2025
3
  
Consolidated Statements of Income (Unaudited) for the Three Months Ended March 31, 2026 and 2025
4
  
5
  
6
  
Consolidated Statements of Cash Flows (Unaudited) for the Three Months Ended March 31, 2026 and 2025
7
  
Notes to Consolidated Financial Statements
9
  
Item 2
31
  
Item 3
41
  
Item 4
41
  
 
  
Item 1
42
  
Item 1A
42
  
Item 2
42
  
Item 3
42
  
Item 4
42
  
Item 5
42
  
Item 6
43
  
45

1

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

2

PART I. FINANCIAL INFORMATION
Item 1. Financial Statements
HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Consolidated Balance Sheets
(Dollars in thousands, except per share data)
(Unaudited)
March 31, 2026December 31, 2025
Assets
Cash$14,505 $14,411 
Interest-bearing deposits286,188 310,281 
Cash and cash equivalents300,693 324,692 
Certificates of deposit in other banks13,619 18,841 
Debt securities available for sale, at fair value (amortized cost of $149,790 and $141,793 at March 31, 2026 and December 31, 2025, respectively)
149,729 142,540 
FHLB and FRB stock13,614 13,636 
SBIC investments19,461 18,818 
Loans held for sale, at fair value6,562 7,005 
Loans held for sale, at the lower of cost or fair value101,930 198,688 
Loans, net of deferred loan fees and costs3,546,580 3,578,154 
Allowance for credit losses – loans(40,607)(41,479)
Loans, net3,505,973 3,536,675 
Premises and equipment, net62,210 62,400 
Accrued interest receivable14,636 15,973 
Deferred income taxes, net8,514 9,922 
BOLI94,555 93,930 
Goodwill34,111 34,111 
Core deposit intangibles, net4,474 4,848 
Other assets56,260 63,556 
Total assets$4,386,341 $4,545,635 
Liabilities and stockholders' equity  
Liabilities  
Deposits$3,639,542 $3,709,997 
Junior subordinated debt10,245 10,220 
Borrowings90,000 165,000 
Other liabilities54,147 59,728 
Total liabilities3,793,934 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, 16,803,185 and 17,286,289 shares issued and outstanding at March 31, 2026 and December 31, 2025, respectively
168 173 
Additional paid in capital144,465 166,856 
Retained earnings451,127 436,524 
Unearned ESOP shares(3,306)(3,438)
Accumulated other comprehensive income (loss)(47)575 
Total stockholders' equity592,407 600,690 
Total liabilities and stockholders' equity$4,386,341 $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)
Three Months Ended March 31,
20262025
Interest and dividend income
Loans$57,725 $58,613 
Debt securities available for sale1,604 1,787 
Other investments and interest-bearing deposits2,168 3,235 
Total interest and dividend income61,497 63,635 
Interest expense  
Deposits16,850 20,363 
Junior subordinated debt188 205 
Borrowings154 160 
Total interest expense17,192 20,728 
Net interest income44,305 42,907 
Provision for credit losses370 1,540 
Net interest income after provision for credit losses43,935 41,367 
Noninterest income  
Service charges and fees on deposit accounts2,414 2,244 
Loan income and fees692 721 
Gain on sale of loans held for sale2,654 1,908 
BOLI income892 842 
Operating lease income1,892 1,379 
Gain on sale of premises and equipment377 — 
Other1,110 933 
Total noninterest income10,031 8,027 
Noninterest expense  
Salaries and employee benefits19,877 17,699 
Occupancy expense, net2,630 2,511 
Computer services2,877 2,805 
Operating lease depreciation expense1,516 1,868 
Telephone, postage and supplies581 546 
Marketing and advertising417 452 
Deposit insurance premiums484 511 
Core deposit intangible amortization374 515 
Other4,219 4,054 
Total noninterest expense32,975 30,961 
Income before income taxes20,991 18,433 
Income tax expense4,219 3,894 
Net income$16,772 $14,539 
Per share data  
Net income per common share  
Basic$1.00 $0.84 
Diluted$0.99 $0.84 
Average shares outstanding  
Basic16,582,376 17,011,359 
Diluted16,716,089 17,113,424 
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)
Three Months Ended March 31,
 20262025
Net income$16,772 $14,539 
Other comprehensive income 
Unrealized holding gains (losses) on debt securities available for sale  
(Losses) gains arising during the period(808)1,409 
Deferred income tax benefit (expense)186 (324)
Total other comprehensive (loss) income(622)1,085 
Comprehensive income$16,150 $15,624 
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 March 31, 2026
Common StockAdditional
Paid In
Capital		Retained
Earnings		Unearned
ESOP
Shares		Accumulated
Other
Comprehensive Income (Loss)		Total
Stockholders'
Equity
SharesAmount
Balance at December 31, 202517,286,289 $173 $166,856 $436,524 $(3,438)$575 $600,690 
Net income— — — 16,772 — — 16,772 
Cash dividends declared on common stock, $0.13/common share
— — — (2,169)— — (2,169)
Common stock repurchased(533,240)(6)(23,075)— — — (23,081)
Retired stock(21,975)— (579)— — — (579)
Granted restricted stock54,111 1 — — — — 1 
Exercised stock options18,000 — 59 — — — 59 
Share-based compensation expense— — 767 — — — 767 
ESOP compensation expense— — 437 — 132 — 569 
Other comprehensive loss— — — — — (622)(622)
Balance at March 31, 202616,803,185 $168 $144,465 $451,127 $(3,306)$(47)$592,407 
(Unaudited)
Three Months Ended March 31, 2025
Common StockAdditional
Paid In
Capital		Retained
Earnings		Unearned
ESOP
Shares		Accumulated
Other
Comprehensive Income (Loss)		Total
Stockholders'
Equity
SharesAmount
Balance at December 31, 202417,527,709 $175 $176,693 $380,541 $(3,966)$(1,685)$551,758 
Net income— — — 14,539 — — 14,539 
Cash dividends declared on common stock, $0.12/common share
— — — (2,054)— — (2,054)
Common stock repurchased(14,800)— (503)— — — (503)
Forfeited restricted stock(2,533)— — — — — — 
Retired stock(11,335)— (427)— — — (427)
Granted restricted stock49,285 — — — — — — 
Exercised stock options4,300 1 95 — — — 96 
Share-based compensation expense— — 490 — — — 490 
ESOP compensation expense— — 334 — 131 — 465 
Other comprehensive income— — — — — 1,085 1,085 
Balance at March 31, 202517,552,626 $176 $176,682 $393,026 $(3,835)$(600)$565,449 
6

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Consolidated Statements of Cash Flows
(Dollars in thousands)
(Unaudited)
Three Months Ended March 31,
 20262025
Operating activities
Net income$16,772 $14,539 
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses370 1,540 
Depreciation and amortization of premises and equipment and equipment for operating leases2,527 2,818 
Deferred income tax expense1,594 1,122 
Net accretion of purchase accounting adjustments on loans(867)(322)
Net amortization and accretion153 1,330 
SBIC investments income(405)(1,288)
Gain on sale of premises and equipment(377)— 
Loss on repossessed assets38 122 
Loss on previously leased equipment15 835 
BOLI income(892)(842)
Gain on sale of loans held for sale(2,654)(1,908)
Origination of loans held for sale(51,925)(64,529)
Proceeds from sales of loans held for sale145,598 114,846 
New deferred loan origination fees, net853 218 
Amortization of tax credit equity investments2,055 94 
Decrease (increase) in accrued interest receivable and other assets1,649 (91)
Share-based compensation expense767 490 
ESOP compensation expense569 465 
(Decrease) increase in accrued interest payable and other liabilities(5,006)2,216 
Net cash provided by operating activities110,834 71,655 
Investing activities  
Purchase of debt securities available for sale(12,963)(2,955)
Proceeds from maturities, calls and paydowns of debt securities available for sale5,182 6,175 
Purchases of CDs in other banks— (1,244)
Proceeds from maturities of CDs in other banks5,222 3,976 
Net redemption of FHLB and FRB stock22 28 
Net capital contributions in SBIC investments(238)(1,341)
Net redemptions of tax credit equity investments526 34 
Net decrease in loans36,242 1,522 
Purchase of BOLI(1)(5)
Proceeds from redemption of BOLI policies— 2,174 
Death benefit proceeds from BOLI policies268 — 
Purchase of equipment for operating leases - lessor— (2,087)
Proceeds from sale of equipment for operating leases - lessor1,633 233 
Purchase of premises and equipment(818)(1,024)
Proceeds from sale of premises and equipment and assets held for sale1,016 — 
Proceeds from sale of repossessed assets300 196 
Net cash provided by investing activities36,391 5,682 










7

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Consolidated Statements of Cash Flows (continued)
(Dollars in thousands)
(Unaudited)
Three Months Ended March 31,
 20262025
Financing activities  
Net decrease in deposits(70,455)(42,843)
Net decrease in short-term borrowings(75,000)(11,000)
Common stock repurchased(23,081)(503)
Granted restricted stock1 — 
Cash dividends paid(2,169)(2,054)
Retired stock(579)(427)
Exercised stock options59 96 
Net cash used in financing activities(171,224)(56,731)
Net (decrease) increase in cash and cash equivalents(23,999)20,606 
Cash and cash equivalents at beginning of period324,692 279,219 
Cash and cash equivalents at end of period$300,693 $299,825 
Supplemental disclosures
Cash paid during the period for
Interest$18,387 $23,356 
Income taxes68 11 
Noncash transactions  
Unrealized (loss) gain in value of debt securities available for sale, net of income taxes$(622)$1,085 
Transfers of loans held for sale to loans held for investment5,868 4,158 
Transfers of loans held for investment to repossessed assets— 273 
Transfer of premises and equipment to assets held for sale— 7,624 
ROU asset and lease liabilities for operating lease accounting— 448 
The accompanying notes are an integral part of these consolidated financial statements.
8

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
1.    Summary of Significant Accounting Policies
The consolidated unaudited financial statements presented in this report include the accounts of HomeTrust Bancshares, Inc., a Maryland corporation (“HomeTrust”), and its wholly-owned subsidiary, HomeTrust Bank (the “Bank”). As used throughout this report, the term the “Company” refers to HomeTrust and its consolidated subsidiary, unless the context otherwise requires. HomeTrust is a bank holding company primarily engaged in the business of planning, directing and coordinating the business activities of the Bank. The Bank is a North Carolina state chartered bank and provides a wide range of retail and commercial banking products within its geographic footprint, which includes: North Carolina (the Asheville metropolitan area, the "Piedmont" region, Charlotte and Raleigh/Cary), South Carolina (Greenville and Charleston), East Tennessee (Kingsport/Johnson City and Morristown), Southwest Virginia (the Roanoke Valley) and Georgia (Greater Atlanta). The Company operates under a single set of corporate policies and procedures and its operations are considered to be aggregated in one reportable operating segment for financial reporting purposes.
As a result of its merger with Quantum on February 12, 2023, HomeTrust became the 100% successor owner of the Quantum Capital Statutory Trust II Delaware trust. The sole assets of the trust represent the proceeds of offerings loaned in exchange for subordinated debentures with similar terms to the trust preferred securities.
The accompanying unaudited consolidated financial statements have been prepared in accordance with US GAAP for interim financial information and in accordance with the instructions to Form 10-Q and Article 10 of Regulation S-X as promulgated by the SEC. Accordingly, they do not include all the information and footnotes required by US GAAP for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation of the financial position and results of operations for the periods presented have been included. It is recommended that these unaudited interim consolidated financial statements be read in conjunction with the audited consolidated financial statements and notes thereto included in the Company's Annual Report on Form 10-K for the year ended December 31, 2025 ("2025 Form 10-K") filed with the SEC on March 13, 2026. The results of operations for the three months ended March 31, 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.
9

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:
March 31, 2026
Amortized CostGross Unrealized
Gains		Gross Unrealized LossesEstimated
Fair Value
MBS, residential$142,953 $1,441 $(1,126)$143,268 
Municipal bonds1,837 — (18)1,819 
Corporate bonds5,000 — (358)4,642 
Total$149,790 $1,441 $(1,502)$149,729 
December 31, 2025
Amortized CostGross Unrealized
Gains		Gross Unrealized
Losses		Estimated
Fair Value
MBS, residential$134,950 $2,003 $(871)$136,082 
Municipal bonds1,843 — (17)1,826 
Corporate bonds5,000 — (368)4,632 
Total$141,793 $2,003 $(1,256)$142,540 
Debt securities available for sale by contractual maturity at March 31, 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.
 March 31, 2026
Amortized CostEstimated Fair Value
Due within one year$407 $406 
Due after one year through five years1,430 1,413 
Due after five years through ten years5,000 4,642 
Due after ten years— — 
MBS, residential142,953 143,268 
Total$149,790 $149,729 
 December 31, 2025
Amortized CostEstimated Fair Value
Due within one year$409 $408 
Due after one year through five years1,434 1,418 
Due after five years through ten years5,000 4,632 
Due after ten years— — 
MBS, residential134,950 136,082 
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 three months ended March 31, 2026 or 2025.
Debt securities available for sale with amortized costs totaling $73,381 and $73,944 and market values of $73,834 and $74,987 at March 31, 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 March 31, 2026 and December 31, 2025 were as follows:
March 31, 2026
Less than 12 Months12 Months or MoreTotal
Fair
Value		Unrealized
Losses		Fair
Value		Unrealized
Losses		Fair
Value		Unrealized
Losses
MBS, residential$43,148 $(333)$25,604 $(793)$68,752 $(1,126)
Municipal bonds500 — 1,319 (18)1,819 (18)
Corporate bonds— — 3,892 (358)3,892 (358)
Total$43,648 $(333)$30,815 $(1,169)$74,463 $(1,502)
10

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
December 31, 2025
Less than 12 Months12 Months or MoreTotal
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 March 31, 2026 and December 31, 2025 were 124 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 March 31, 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 March 31, 2026 and December 31, 2025, the accrued interest receivable for debt securities available for sale was $532 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:
March 31, 2026December 31, 2025
One-to-four family$1,022 $304 
SBA41,348 35,567 
HELOCs59,560 162,817 
Total loans held for sale, at the lower of cost or fair value$101,930 $198,688 
The carrying balance of loans held for sale, at fair value, was $6,562 and $7,005 at March 31, 2026 and December 31, 2025, respectively, while the amortized cost of these loans was $6,536 and $6,896, respectively, at the same dates.
11

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):
March 31, 2026December 31, 2025
Commercial real estate
Construction and land development$317,497 $277,028 
Commercial real estate – owner occupied527,375 562,049 
Commercial real estate – non-owner occupied823,672 832,502 
Multifamily109,564 110,912 
Total commercial real estate1,778,108 1,782,491 
Commercial
Commercial and industrial392,114 378,686 
Equipment finance286,455 311,356 
Municipal leases167,371 166,396 
Total commercial845,940 856,438 
Residential real estate
Construction and land development48,715 45,617 
One-to-four family619,735 633,511 
HELOCs218,283 217,310 
Total residential real estate886,733 896,438 
Consumer35,799 42,787 
Total loans, net of deferred loan fees and costs3,546,580 3,578,154 
Allowance for credit losses – loans(40,607)(41,479)
Loans, net$3,505,973 $3,536,675 
(1)    March 31, 2026 and December 31, 2025 accrued interest receivable of $13,848 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 March 31, 2026 and December 31, 2025. In relation to these loans are unfunded commitments that totaled approximately $3 at both March 31, 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.





12

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 March 31, 2026. Also included in the table detailing loan balances are gross charge-offs for the three months ended March 31, 2026:
Term Loans By Origination Fiscal Year
March 31, 2026202620252024
2023-S(1)
2023PriorRevolvingTotal
Construction and land development
Risk rating
Pass$24,222 $159,926 $75,717 $16,292 $6,398 $26,389 $7,699 $316,643 
Special mention— — — — — — — — 
Substandard— — — — — 854 — 854 
Doubtful
— — — — — — — — 
Loss— — — — — — — — 
Total construction and land development$24,222 $159,926 $75,717 $16,292 $6,398 $27,243 $7,699 $317,497 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Commercial real estate – owner occupied
Risk rating
Pass$16,924 $74,363 $51,786 $38,845 $57,510 $266,431 $4,820 $510,679 
Special mention— — — — 656 1,745 — 2,401 
Substandard— — 1,389 1,751 924 8,091 — 12,155 
Doubtful— — — — 1,896 240 — 2,136 
Loss— — — — — 4 — 4 
Total commercial real estate – owner occupied$16,924 $74,363 $53,175 $40,596 $60,986 $276,511 $4,820 $527,375 
Current period gross charge-offs$— $— $— $— $— $15 $— $15 
Commercial real estate – non-owner occupied
Risk rating
Pass$22,938 $85,077 $52,368 $12,187 $92,851 $539,546 $6,079 $811,046 
Special mention— — — — 753 349 — 1,102 
Substandard— — — — 2,591 8,933 — 11,524 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total commercial real estate – non-owner occupied$22,938 $85,077 $52,368 $12,187 $96,195 $548,828 $6,079 $823,672 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Multifamily
Risk rating
Pass$2,271 $9,288 $15,084 $5,615 $4,848 $71,176 $— $108,282 
Special mention— — — — — 234 — 234 
Substandard— — — — — 1,048 — 1,048 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total multifamily$2,271 $9,288 $15,084 $5,615 $4,848 $72,458 $— $109,564 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Total commercial real estate
Risk rating
Pass$66,355 $328,654 $194,955 $72,939 $161,607 $903,542 $18,598 $1,746,650 
Special mention— — — — 1,409 2,328 — 3,737 
Substandard— — 1,389 1,751 3,515 18,926 — 25,581 
Doubtful— — — — 1,896 240 — 2,136 
Loss— — — — — 4 — 4 
Total commercial real estate$66,355 $328,654 $196,344 $74,690 $168,427 $925,040 $18,598 $1,778,108 
Total current period gross charge-offs$— $— $— $— $— $15 $— $15 
(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.

13

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
Term Loans By Origination Fiscal Year
March 31, 2026202620252024
2023-S(1)
2023PriorRevolvingTotal
Commercial and industrial
Risk rating
Pass$10,716 $104,796 $65,915 $30,404 $24,733 $39,540 $93,755 $369,859 
Special mention— 388 36 — 539 2,713 2,419 6,095 
Substandard— — 4,142 2,954 701 5,410 396 13,603 
Doubtful
— — 506 — 124 1,876 — 2,506 
Loss— — 51 — — — — 51 
Total commercial and industrial$10,716 $105,184 $70,650 $33,358 $26,097 $49,539 $96,570 $392,114 
Current period gross charge-offs$— $— $— $— $— $346 $— $346 
Equipment finance
Risk rating
Pass$11,985 $58,437 $70,082 $38,676 $61,481 $34,750 $— $275,411 
Special mention— 556 141 256 2,116 297 — 3,366 
Substandard— 504 630 281 1,990 1,166 — 4,571 
Doubtful— 445 330 287 845 952 — 2,859 
Loss— — — — 248 — — 248 
Total equipment finance$11,985 $59,942 $71,183 $39,500 $66,680 $37,165 $— $286,455 
Current period gross charge-offs$— $414 $124 $23 $582 $572 $— $1,715 
Municipal leases
Risk rating
Pass$6,480 $20,468 $29,382 $14,539 $19,436 $77,066 $— $167,371 
Special mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total municipal leases$6,480 $20,468 $29,382 $14,539 $19,436 $77,066 $— $167,371 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Total commercial
Risk rating
Pass$29,181 $183,701 $165,379 $83,619 $105,650 $151,356 $93,755 $812,641 
Special mention— 944 177 256 2,655 3,010 2,419 9,461 
Substandard— 504 4,772 3,235 2,691 6,576 396 18,174 
Doubtful— 445 836 287 969 2,828 — 5,365 
Loss— — 51 — 248 — — 299 
Total commercial$29,181 $185,594 $171,215 $87,397 $112,213 $163,770 $96,570 $845,940 
Total current period gross charge-offs$— $414 $124 $23 $582 $918 $— $2,061 








14

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
Term Loans By Origination Fiscal Year
March 31, 2026202620252024
2023-S(1)
2023PriorRevolvingTotal
Construction and land development
Risk rating
Pass$2,906 $30,257 $4,240 $1,066 $4,220 $6,026 $— $48,715 
Special mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total construction and land development$2,906 $30,257 $4,240 $1,066 $4,220 $6,026 $— $48,715 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
One-to-four family
Risk rating
Pass$13,424 $46,340 $36,309 $19,658 $146,815 $341,383 $6,281 $610,210 
Special mention— — — — — 273 — 273 
Substandard— — 657 1,244 2,004 5,335 — 9,240 
Doubtful— — — — — 12 — 12 
Loss— — — — — — — — 
Total one-to-four family$13,424 $46,340 $36,966 $20,902 $148,819 $347,003 $6,281 $619,735 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
HELOCs
Risk rating
Pass$— $— $— $— $— $— $208,261 $208,261 
Special mention— — — — — — — — 
Substandard— — — — — — 10,022 10,022 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total HELOCs$— $— $— $— $— $— $218,283 $218,283 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Total residential real estate
Risk rating
Pass$16,330 $76,597 $40,549 $20,724 $151,035 $347,409 $214,542 $867,186 
Special mention— — — — — 273 — 273 
Substandard— — 657 1,244 2,004 5,335 10,022 19,262 
Doubtful— — — — — 12 — 12 
Loss— — — — — — — — 
Total residential real estate$16,330 $76,597 $41,206 $21,968 $153,039 $353,029 $224,564 $886,733 
Total current period gross charge-offs$— $— $— $— $— $— $— $— 
Term Loans By Origination Fiscal Year
March 31, 2026202620252024
2023-S(1)
2023PriorRevolvingTotal
Total consumer
Risk rating
Pass$491 $1,035 $2,328 $9,442 $15,849 $5,383 $244 $34,772 
Special mention— — — — — — — — 
Substandard— 30 50 220 518 185 24 1,027 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total consumer$491 $1,065 $2,378 $9,662 $16,367 $5,568 $268 $35,799 
Total current period gross charge-offs$— $3 $— $52 $155 $46 $— $256 







15

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, 202520252024
2023-S(1)
20232022PriorRevolvingTotal
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.
16

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, 202520252024
2023-S(1)
20232022PriorRevolvingTotal
Commercial and industrial
Risk rating
Pass$101,886 $73,327 $33,005 $29,181 $24,786 $20,049 $75,308 $357,542 
Special mention392 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 mention172 151 255 615 232 185 — 1,610 
Substandard673 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 mention564 441 2,906 1,525 544 2,663 2,497 11,140 
Substandard673 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 








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, 202520252024
2023-S(1)
20232022PriorRevolvingTotal
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, 202520252024
2023-S(1)
20232022PriorRevolvingTotal
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 






18

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 DueTotal Loans
30-89 Days90 Days+
Total(1)
Current
March 31, 2026
Commercial real estate
Construction and land development$— $854 $854 $316,643 $317,497 
Commercial real estate – owner occupied7,910 3,096 11,006 516,369 527,375 
Commercial real estate – non-owner occupied2,150 3,856 6,006 817,666 823,672 
Multifamily839 — 839 108,725 109,564 
Total commercial real estate10,899 7,806 18,705 1,759,403 1,778,108 
Commercial
Commercial and industrial5,174 6,740 11,914 380,200 392,114 
Equipment finance6,977 4,108 11,085 275,370 286,455 
Municipal leases569 — 569 166,802 167,371 
Total commercial12,720 10,848 23,568 822,372 845,940 
Residential real estate
Construction and land development290 — 290 48,425 48,715 
One-to-four family29,089 2,461 31,550 588,185 619,735 
HELOCs3,894 5,971 9,865 208,418 218,283 
Total residential real estate33,273 8,432 41,705 845,028 886,733 
Consumer1,250 222 1,472 34,327 35,799 
Total loans$58,142 $27,308 $85,450 $3,461,130 $3,546,580 
Past Due(2)
Total Loans
30-89 Days90 Days+
Total(1)
Current
December 31, 2025
Commercial real estate
Construction and land development$— $381 $381 $276,647 $277,028 
Commercial real estate – owner occupied7,434 4,352 11,786 550,263 562,049 
Commercial real estate – non-owner occupied1,479 5,422 6,901 825,601 832,502 
Multifamily— — — 110,912 110,912 
Total commercial real estate8,913 10,155 19,068 1,763,423 1,782,491 
Commercial
Commercial and industrial1,625 8,306 9,931 368,755 378,686 
Equipment finance8,185 5,501 13,686 297,670 311,356 
Municipal leases— — — 166,396 166,396 
Total commercial9,810 13,807 23,617 832,821 856,438 
Residential real estate
Construction and land development699 — 699 44,918 45,617 
One-to-four family25,822 2,774 28,596 604,915 633,511 
HELOCs3,211 5,393 8,604 208,706 217,310 
Total residential real estate29,732 8,167 37,899 858,539 896,438 
Consumer1,441 361 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, $12,570 and $14,307 of these balances were fully guaranteed by the SBA as of March 31, 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.





19

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 three months ended March 31, 2026.
March 31, 2026(1)
December 31, 2025(1)
90 Days+ &
Still Accruing as of March 31, 2026
Nonaccrual with No ACL as of March 31, 2026
Interest Income Recognized
Commercial real estate
Construction and land development$853 $381 $— $— $— 
Commercial real estate – owner occupied11,256 10,467 — 2,819 219 
Commercial real estate – non-owner occupied6,704 6,566 — 1,130 147 
Multifamily— — — — — 
Total commercial real estate18,813 17,414 — 3,949 366 
Commercial
Commercial and industrial10,578 9,786 — 239 68 
Equipment finance6,097 6,690 — 268 62 
Municipal leases— — — — — 
Total commercial16,675 16,476 — 507 130 
Residential real estate
Construction and land development— — — — — 
One-to-four family3,632 2,961 — — 42 
HELOCs7,140 6,523 — — 63 
Total residential real estate10,772 9,484 — — 105 
Consumer479 402 — — 10 
Total loans$46,739 $43,776 $— $4,456 $611 
(1)Of the nonaccrual totals presented above, $16,348 and $14,885 of these balances were fully guaranteed by the SBA as of March 31, 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 benefit of $575 and provision of $740 for off-balance sheet credit exposures were recorded for the three months ended March 31, 2026 and 2025, respectively.
Three Months Ended March 31, 2026
Commercial Real EstateCommercialResidential Real EstateConsumerTotal
Balance at beginning of period$19,298 $13,331 $8,492 $358 $41,479 
Provision (benefit) for credit losses498 506 (215)156 945 
Charge-offs(15)(2,061)— (256)(2,332)
Recoveries— 271 175 69 515 
Net (charge-offs) recoveries(15)(1,790)175 (187)(1,817)
Balance at end of period$19,781 $12,047 $8,452 $327 $40,607 
Three Months Ended March 31, 2025
Commercial Real EstateCommercialResidential Real EstateConsumerTotal
Balance at beginning of period$19,284 $15,267 $9,664 $1,070 $45,285 
Provision (benefit) for credit losses243 890 (338)5 800 
Charge-offs— (1,610)(10)(176)(1,796)
Recoveries38 316 14 85 453 
Net (charge-offs) recoveries38 (1,294)4 (91)(1,343)
Balance at end of period$19,565 $14,863 $9,330 $984 $44,742 


20

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
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 CDAsNon-CDAs
March 31, 2026Residential PropertyInvestment PropertyCommercial PropertyBusiness AssetsTotal
Commercial real estate
Construction and land development$— $— $— $— $317,497 $317,497 
Commercial real estate – owner occupied— — 3,422 — 523,953 527,375 
Commercial real estate – non-owner occupied— — 4,686 — 818,986 823,672 
Multifamily— — — — 109,564 109,564 
Total commercial real estate— — 8,108 — 1,770,000 1,778,108 
Commercial
Commercial and industrial— — — — 392,114 392,114 
Equipment finance— — — 977 285,478 286,455 
Municipal leases— — — — 167,371 167,371 
Total commercial— — — 977 844,963 845,940 
Residential real estate
Construction and land development— — — — 48,715 48,715 
One-to-four family— — — — 619,735 619,735 
HELOCs— — — — 218,283 218,283 
Total residential real estate— — — — 886,733 886,733 
Consumer— — — — 35,799 35,799 
Total$— $— $8,108 $977 $3,537,495 $3,546,580 
Total collateral value$— $— $9,496 $861 
Type and Extent of Collateral Securing CDAsNon-CDAs
December 31, 2025Residential PropertyInvestment PropertyCommercial PropertyBusiness AssetsTotal
Commercial real estate
Construction and land development$— $— $— $— $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.
21

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
The following tables present the amortized cost basis of loans at March 31, 2026 and 2025, that were both experiencing financial difficulty and modified during the three months ended March 31, 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 March 31, 2026
Principal ForgivenessPayment DelayTerm ExtensionInterest Rate AdjustmentCombination Term Extension & Principal ForgivenessCombination Term Extension & Interest Rate Reduction% of Total Class of Financing Receivable
Commercial real estate
Commercial real estate – owner occupied$— $780 $— $1,333 $— $— 0.40 %
Commercial real estate – non-owner occupied— 1,700 — — — — 0.21 
Commercial loans
Commercial and industrial— 2,580 140 — — — 0.69 
Total$— $5,060 $140 $1,333 $— $— 0.18 %
Three Months Ended March 31, 2025
Principal ForgivenessPayment DelayTerm ExtensionInterest Rate AdjustmentCombination Term Extension & Principal ForgivenessCombination Term Extension & Interest Rate Reduction% of Total Class of Financing Receivable
Commercial real estate
Commercial real estate – owner occupied$— $774 $— $— $— $— 0.14 %
Commercial loans
Commercial and industrial— 908 374 115 — — 0.40 
Total$— $1,682 $374 $115 $— $— 0.06 %
The following table presents the financial effect of the loan modifications presented above to borrowers experiencing financial difficulty for the periods indicated below:
Three Months Ended March 31, 2026
Principal ForgivenessWeighted-Average Interest Rate ReductionWeighted-Average Term Extension (Years)
Commercial real estate
Commercial real estate – owner-occupied$— 4.5 %— 
Commercial loans
Commercial and industrial— — 5.0
Total$— 4.5 %5.0
Three Months Ended March 31, 2025
Principal ForgivenessWeighted-Average Interest Rate ReductionWeighted-Average Term Extension (Years)
Commercial loans
Commercial and industrial$— 7.0 %10.0
The following table presents loans that had a payment default during the periods indicated that had previously been modified within the prior twelve months. For purposes of this table, a loan is considered to be in default when it becomes 30 days contractually past due under the modified terms.
Three Months Ended March 31, 2026
Principal ForgivenessPayment DelayTerm ExtensionInterest Rate Adjustment
Commercial loans
Commercial and industrial$— $1,065 $— $— 
22

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
Three Months Ended March 31, 2025
Principal ForgivenessPayment DelayTerm ExtensionInterest Rate Adjustment
Commercial real estate
Commercial real estate – owner-occupied$— $675 $— $161 
Commercial loans
Commercial and industrial— — 132 — 
Total$— $675 $132 $161 
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 March 31, 2026 and December 31, 2025, the ACL on off-balance sheet credit exposures included in other liabilities was $3,570 and $4,145, respectively.
6.    Deposits
Deposit accounts at the dates indicated consist of the following:
March 31, 2026
December 31, 2025
Noninterest-bearing accounts$730,666 $707,748 
NOW accounts575,525 546,387 
Money market accounts1,393,120 1,374,635 
Savings accounts171,754 171,455 
Certificates of deposit768,477 909,772 
Total$3,639,542 $3,709,997 
Deposits received from executive officers, directors and their associates totaled approximately $2,104 and $1,105 at March 31, 2026 and December 31, 2025, respectively.
As of March 31, 2026, scheduled maturities of certificates of deposit were as follows:
Remainder of 2026$726,382 
202738,369 
20282,012 
2029635 
2030914 
Thereafter165 
Total$768,477 
Certificates of deposit with balances of $250 or greater totaled $186,265 and $198,473 at March 31, 2026 and December 31, 2025, respectively. Generally, deposit amounts in excess of $250 are not federally insured.
7.    Borrowings
Junior Subordinated Debentures
On February 21, 2007, Quantum formed a Connecticut statutory trust, Quantum Capital Statutory Trust II (the "Trust"), which issued $11,000 of trust preferred securities that were designed to qualify as Tier I capital under Federal Reserve Board guidelines. All of the common securities of the Trust were owned by Quantum. The proceeds from the issuance of the common securities and the trust preferred securities were used by the Trust to purchase $11,341 of junior subordinated debentures of Quantum. As a result of its merger with Quantum on February 12, 2023, HomeTrust became the 100% successor owner of the Trust.
The trust preferred securities accrue and pay quarterly distributions at a floating rate of 3-month Term SOFR plus 2.20%, which was 5.88% at March 31, 2026. The Company has guaranteed distributions and other payments due on the trust preferred securities to the extent the Trust has insufficient funds with which to make the distributions and other payments. The net combined effect of all documents entered into in connection with the trust preferred securities is that the Company is liable to make the distributions and other payments required on the trust preferred securities.
23

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
The trust preferred securities are mandatorily redeemable upon maturity of the debentures on March 15, 2037, or upon earlier redemption as provided in the indenture. The debentures purchased by the Trust have been redeemable, in whole or in part, since March 15, 2012. As specified in the indenture, if the debentures are redeemed prior to maturity, the redemption price will be the principal amount and any accrued but unpaid interest.
Other Borrowings
Borrowings, outside of junior subordinated debt, consist of the following at the dates indicated:
March 31, 2026December 31, 2025
BalanceWeighted Average RateBalanceWeighted Average Rate
FRB advances (short-term)$90,000 3.75 %$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 March 31, 2026 and December 31, 2025, the Company had the ability to borrow $366,632 and $355,296, respectively, through additional FHLB advances and $140,612 and $66,347, respectively, through the unused portion of a line of credit with the FRB.
At March 31, 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.
March 31, 2026December 31, 2025
ROU assets$7,376 $7,634 
Lease liabilities$8,765 $9,047 
Weighted-average remaining lease terms (years)7.57.5
Weighted-average discount rate3.65 %3.64 %
The following schedule summarizes aggregate future minimum lease payments under these operating leases at March 31, 2026:
Remainder of 2026$1,441 
20271,946 
20281,757 
2029979 
2030881 
Thereafter3,099 
Total undiscounted minimum lease payments10,103 
Less: amount representing interest(1,338)
Total lease liability$8,765 
The following table presents components of operating lease expense for the periods indicated:
Three Months Ended March 31,
20262025
Operating lease cost (included in occupancy expense, net)$400 $391 
Sublease income (included in other noninterest income)(55)(43)
Total operating lease expense, net$345 $348 
24

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
The following table presents supplemental operating lease cash flow information for the periods indicated:
Three Months Ended March 31,
2026
2025
ROU assets - noncash additions$— $448 
Cash paid for amounts included in the measurement of lease liabilities395 378 
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 $23,224 and $25,415 with a residual value of $12,617 and $13,167 as of March 31, 2026 and December 31, 2025, respectively.
The following schedule summarizes, as of March 31, 2026, aggregate future minimum lease payments to be received:
Remainder of 2026$4,637 
20273,507 
20283,150 
20292,655 
20301,265 
Thereafter77 
Total of future minimum payments$15,291 
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 March 31, 2026 and 2025, interest income on equipment finance leases totaled $1,499 and $1,218, respectively.
The lease receivable component of finance lease net investment included within the equipment finance class of financing receivables was $81,522 and $82,305 at March 31, 2026 and December 31, 2025, respectively.
The following schedule summarizes, as of March 31, 2026, aggregate future minimum finance lease payments to be received:
Remainder of 2026$21,609 
202725,844 
202819,455 
202914,054 
20308,497 
Thereafter5,842 
Total undiscounted minimum lease payments95,301 
Less: amount representing interest(13,779)
Total lease receivable$81,522 
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 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.
25

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
The table below presents share-based compensation expense and the estimated related tax benefit for stock options and restricted stock for the periods indicated:
Three Months Ended March 31,
20262025
Share-based compensation expense$767 $490 
Tax benefit176 116 
The table below presents stock option activity and related information for the periods indicated below:
OptionsWeighted-Average Exercise PriceRemaining Contractual Life
(Years)		Aggregate
Intrinsic
Value
Options outstanding at December 31, 2024413,637 $26.02 3.8$3,169 
Exercised(4,300)22.06 
Forfeited(600)28.54 
Options outstanding at March 31, 2025408,737 $26.06 3.5$3,361 
Exercisable at March 31, 2025382,557 $25.90 3.3$3,204 
Non-vested at March 31, 202526,180 $28.28 6.7$157 
Options outstanding at December 31, 2025354,797 $26.19 2.8$5,945 
Exercised(18,000)24.53 
Options outstanding at March 31, 2026336,797 $26.27 2.5$5,516 
Exercisable at March 31, 2026327,507 $26.16 2.4$5,402 
Non-vested at March 31, 20269,290 $30.36 5.9$114 
There were no options granted during the three months ended March 31, 2026 or 2025.
At March 31, 2026, the Company had $68 of unrecognized compensation expense related to 9,290 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 0.9 years at March 31, 2026. At March 31, 2025, the Company had $187 of unrecognized compensation expense related to 26,180 stock options originally scheduled to vest over a five-year period. The weighted average period over which compensation cost related to non-vested awards is expected to be recognized was 1.2 years at March 31, 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, 2024138,582 30,001 $27.15 $5,678 
Granted49,285 15,444 37.62 
Vested(35,304)— 27.03 
Forfeited(2,533)— 27.33 
Non-vested at March 31, 2025150,030 45,445 $30.64 $6,701 
Non-vested at December 31, 2025144,964 31,341 $31.52 $7,571 
Granted54,111 26,032 44.04 
Vested(39,697)— 29.76 
Non-vested at March 31, 2026159,378 57,373 $36.47 $9,244 
(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.
At March 31, 2026, unrecognized compensation expense was $6,741 related to 216,751 shares of restricted stock. The weighted average period over which compensation cost related to non-vested awards is expected to be recognized was 1.9 years at March 31, 2026. At March 31, 2025, unrecognized compensation expense was $4,952 related to 195,475 shares of restricted stock. The weighted average period over which compensation cost related to non-vested awards is expected to be recognized was 2.0 years at March 31, 2025.
26

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
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 March 31,
20262025
Numerator
Net income$16,772 $14,539 
Allocation of earnings to participating securities(216)(165)
Numerator for basic and diluted EPS - net income available to common stockholders$16,556 $14,374 
Denominator  
Weighted-average common shares outstanding - basic16,582,376 17,011,359 
Dilutive effect of assumed exercise of stock options133,713 102,065 
Weighted-average common shares outstanding - diluted16,716,089 17,113,424 
Net income per share - basic$1.00 $0.84 
Net income per share - diluted$0.99 $0.84 
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 March 31, 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:
 March 31, 2026December 31, 2025
Variable rate commitments$65,619 $87,259 
Fixed rate commitments(1)
28,937 34,716 
Total loan commitments$94,556 $121,975 
Range of fixed interest rates
 2.00% - 9.69%
4.12% - 9.75%
Undisbursed portions of construction loans
$228,551 $225,617 
Pre-approved but unused lines of credit(2)
$884,571 $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 March 31, 2026 or December 31, 2025.
Equity Investment Commitments – As of March 31, 2026, the Company had committed $32,000 across ten SBIC investments with $8,733 remaining to be drawn, while as of December 31, 2025, the Company had committed $32,000 across ten SBIC investments with $9,983 remaining to be drawn. Similarly, the Company had committed $10,000 towards a solar tax equity investment with $2,519 remaining to be drawn at both March 31, 2026 and December 31, 2025. Although the remaining capital commitments may or may not be called in the future, under the terms of the associated agreements, the Company's exposure will not extend beyond the amount of the original commitments.
Guarantees – Standby letters of credit obligate the Company to meet certain financial obligations of its customers, if, under the contractual terms of the agreement, the customers are unable to do so. The financial standby letters of credit issued by the Company are irrevocable and payment is only guaranteed upon the borrower's failure to perform its obligations to the beneficiary. Total commitments under standby letters of credit as of March 31, 2026 and December 31, 2025 were $51,461 and $55,491, respectively. There was no liability recorded for these letters of credit at March 31, 2026 or December 31, 2025.
27

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
Litigation – From time to time, the Company is involved in litigation matters in the ordinary course of business. These proceedings and the associated legal claims are often contested, and the outcome of individual matters is not always predictable. These claims and counter claims typically arise during the course of collection efforts on problem loans or with respect to actions to enforce liens on properties in which the Company holds a security interest. The Company is not a party to any pending legal proceedings that management believes would have a material adverse effect on the Company’s financial condition or results of operations.
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 March 31, 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.
Financial Assets Recorded at Fair Value
The following table presents financial assets measured at fair value on a recurring basis at the dates indicated:
March 31, 2026
TotalLevel 1Level 2Level 3
Debt securities available for sale
MBS, residential$143,268 $— $143,268 $— 
Municipal bonds1,819 — 1,819 — 
Corporate bonds4,642 — 4,642 — 
Total debt securities available for sale$149,729 $— $149,729 $— 
Loans held for sale$6,562 $— $6,562 $— 
December 31, 2025
TotalLevel 1Level 2Level 3
Debt securities available for sale
MBS, residential$136,082 $— $136,082 $— 
Municipal bonds1,826 — 1,826 — 
Corporate bonds4,632 — 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 three months ended March 31, 2026 or 2025.
28

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
The following table presents financial assets measured at fair value on a non-recurring basis at the dates indicated:
March 31, 2026
TotalLevel 1Level 2Level 3
Collateral dependent loans
Commercial real estate loans
Commercial real estate – non-owner occupied$3,556 $— $— $3,556 
Commercial loans
Equipment finance709 — — 709 
Total$4,265 $— $— $4,265 
December 31, 2025
TotalLevel 1Level 2Level 3
Collateral dependent loans
Commercial real estate loans
Commercial real estate – non-owner occupied$3,555 $— $— $3,555 
Commercial loans
Equipment finance1,809 — — 1,809 
Total$5,364 $— $— $5,364 
A loan is considered to be collateral dependent when, based on current information and events, the Company expects repayment of the financial assets to be provided substantially through the operation or sale of the collateral and the Company has determined that the borrower is experiencing financial difficulty as of the measurement date. For real estate loans, the fair value of the loan's collateral is determined by a third-party appraisal, which is then adjusted for the estimated selling and closing costs related to liquidation of the collateral (typically ranging from 8% to 12% of the appraised value). For this asset class, the actual valuation methods (income, sales comparable or cost) vary based on the status of the project or property. Additional discounts of 5% to 15% may be applied depending on the age of the appraisals. The unobservable inputs may vary depending on the age of the appraisals. The unobservable inputs may vary depending on the individual asset with no one of the three methods being the predominant approach. For non-real estate loans, the fair value of the loan's collateral may be determined using an appraisal, net book value per the borrower's financial statements or aging reports, adjusted or discounted based on management's historical knowledge, changes in market conditions from the time of the valuation and management's expertise and knowledge of the customer and customer's business.
The stated carrying value and estimated fair value amounts of financial instruments as of March 31, 2026 and December 31, 2025, are summarized below:
 March 31, 2026
Carrying
Value		Fair
Value		Level 1Level 2Level 3
Assets
Cash and cash equivalents$300,693 $300,693 $300,693 $— $— 
Certificates of deposit in other banks13,619 13,619 — 13,619 — 
Debt securities available for sale, at fair value149,729 149,729 — 149,729 — 
Loans held for sale, at fair value6,562 6,562 6,562 — — 
Loans held for sale, at the lower of cost or fair value101,930 104,424 — — 104,424 
Loans, net3,505,973 3,484,054 — — 3,484,054 
Accrued interest receivable14,636 14,636 — 788 13,848 
Liabilities
Noninterest-bearing and NOW deposits1,306,191 1,306,191 — 1,306,191 — 
Money market accounts1,393,120 1,393,120 — 1,393,120 — 
Savings accounts171,754 171,754 — 171,754 — 
Certificates of deposit768,477 766,945 — 766,945 — 
Junior subordinated debt10,245 10,171 — 10,171 — 
Borrowings90,000 90,002 — 90,002 — 
Accrued interest payable4,410 4,410 — 4,410 — 
29

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
 December 31, 2025
Carrying
Value		Fair
Value		Level 1Level 2Level 3
Assets
Cash and cash equivalents$324,692 $324,692 $324,692 $— $— 
Certificates of deposit in other banks18,841 18,841 — 18,841 — 
Debt securities available for sale, at fair value142,540 142,540 — 142,540 — 
Loans held for sale, at fair value7,005 7,005 7,005 — — 
Loans held for sale, at the lower of cost or fair value198,688 201,377 — — 201,377 
Loans, net3,536,675 3,521,272 — — 3,521,272 
Accrued interest receivable15,973 15,973 — 668 15,305 
Liabilities
Noninterest-bearing and NOW deposits1,254,135 1,254,135 — 1,254,135 — 
Money market accounts1,374,635 1,374,635 — 1,374,635 — 
Savings accounts171,455 171,455 — 171,455 — 
Certificates of deposit909,772 909,101 — 909,101 — 
Junior subordinated debt10,220 10,152 — 10,152 — 
Borrowings165,000 165,003 — 165,003 — 
Accrued interest payable5,605 5,605 — 5,605 — 
The Company had off-balance sheet financial commitments, which included approximately $1,259,139 and $1,234,381 of commitments to originate loans, undisbursed portions of construction loans, unused lines of credit and standby letters of credit at March 31, 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;
•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;
•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.
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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.
Overview
For the quarter ended March 31, 2026 compared to the quarter ended December 31, 2025:
•net income was $16.8 million compared to $16.1 million;
•diluted EPS were $0.99 compared to $0.93;
•annualized ROA was 1.55% compared to 1.44%;
•annualized ROE was 11.35% compared to 10.63%;
•net interest margin was 4.31% compared to 4.20%;
•provision for credit losses was $370,000 compared to $2.1 million;
•quarterly cash dividends continued at $0.13 per share totaling $2.2 million for both periods; and
•533,240 shares of Company common stock were repurchased during the current quarter at an average price of $42.85 compared to 241,201 shares repurchased at an average price of $42.19 in the prior quarter.
Three Months Ended
(Dollars in thousands)
March 31, 2026
December 31, 2025
Interest and dividend income$61,497 $63,467 
Interest expense17,192 19,254 
Net interest income44,305 44,213 
Provision for credit losses 370 2,080 
Net interest income after provision for credit losses43,935 42,133 
Noninterest income10,031 9,396 
Noninterest expense32,975 31,694 
Income before income taxes20,991 19,835 
Income tax expense4,219 3,711 
Net income$16,772 $16,124 
Net income per common share(1)
Basic$1.00 $0.94 
Diluted0.99 0.93 
Cash dividends declared per common share0.13 0.13 
Book value per share at end of period35.26 34.75 
Tangible book value per share at end of period(2)
33.02 32.56 
Market price per share at end of period42.65 42.94 
(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 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.
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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)March 31, 2026December 31, 2025March 31, 2025
Total stockholders' equity$592,407 $600,690 $565,449 
Less: goodwill, core deposit intangibles, net of taxes37,556 37,844 38,793 
Tangible book value$554,851 $562,846 $526,656 
Common shares outstanding16,803,185 17,286,289 17,552,626 
Book value per share$35.26 $34.75 $32.21 
Tangible book value per share$33.02 $32.56 $30.00 
Set forth below is a reconciliation to GAAP of tangible equity to tangible assets:
As of
(Dollars in thousands)March 31, 2026December 31, 2025March 31, 2025
Tangible equity(1)
$554,851 $562,846 $526,656 
Total assets4,386,341 4,545,635 4,558,060 
Less: goodwill, core deposit intangibles, net of taxes37,556 37,844 38,793 
Total tangible assets$4,348,785 $4,507,791 $4,519,267 
Tangible equity to tangible assets12.76 %12.49 %11.65 %
(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.

33

Comparison of Results of Operations for the Three Months Ended March 31, 2026 and December 31, 2025
Net Income.  Net income totaled $16.8 million, or $0.99 per diluted share, for the three months ended March 31, 2026 compared to $16.1 million, or $0.93 per diluted share, for the three months ended December 31, 2025, an increase of $648,000, or 4.0%. The results for the three months ended March 31, 2026 compared to the three months ended December 31, 2025 benefited from a $1.7 million decrease in the provision for credit losses and a $635,000 increase in noninterest income, partially offset by a $1.3 million increase in the noninterest expense. 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
 March 31, 2026December 31, 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)
$3,793,994$57,7256.17 %$3,809,902$59,5976.21 %
Debt securities available for sale144,5201,6044.50 147,2471,5994.31 
Other interest-earning assets(2)
227,0512,1683.87 223,2672,2714.04 
Total interest-earning assets4,165,56561,4975.99 4,180,41663,4676.02 
Other assets218,936255,547
Total assets$4,384,501$4,435,963
Liabilities and equity
Interest-bearing liabilities
Interest-bearing checking accounts$561,216$1,1010.80 %$540,889$1,0130.74 %
Money market accounts1,369,5698,6162.55 1,361,6209,1922.68 
Savings accounts170,227280.07 171,803300.07 
Certificate accounts830,6757,1053.47 926,6788,6743.71 
Total interest-bearing deposits2,931,68716,8502.33 3,000,99018,9092.50 
Junior subordinated debt10,2311887.45 10,2041997.74 
Borrowings16,6671543.75 10,1521465.71 
Total interest-bearing liabilities2,958,58517,1922.36 3,021,34619,2542.53 
Noninterest-bearing deposits759,493751,864
Other liabilities67,10661,085
Total liabilities3,785,1843,834,295
Stockholders' equity599,317601,668
Total liabilities and stockholders' equity$4,384,501$4,435,963
Net earning assets$1,206,980$1,159,070
Average interest-earning assets to average interest-bearing liabilities140.80 %138.36 %
Non-tax-equivalent
Net interest income$44,305$44,213
Interest rate spread3.63 %3.49 %
Net interest margin(3)
4.31 %4.20 %
Tax-equivalent(4)
Net interest income$44,740$44,661
Interest rate spread3.67 %3.54 %
Net interest margin(3)
4.36 %4.24 %
(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 $435 and $448 for the three months ended March 31, 2026 and December 31, 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 three months ended March 31, 2026 decreased $2.0 million, or 3.1%, when compared to the three months ended December 31, 2025. A decline of $1.9 million, or 3.1%, in loan interest income drove this change, primarily due to fewer days in the current quarter and the impact of decreases in the federal funds rate upon loan yields, partially offset by an increase of $348,000 in accretion income.
34

Total interest expense for the three months ended March 31, 2026 decreased $2.1 million, or 10.7%, when compared to the three months ended December 31, 2025. A decline of $2.1 million, or 10.9%, in deposit interest expense drove this change, the result of a decline in the average balance of certificate accounts, specifically brokered deposits, a decline in the average cost of funds across funding categories, and fewer days in the current quarter.
The following table shows the effects that changes in average balances (volume), including differences in the number of days in the periods compared, and average interest rates (rate) had on the interest earned on interest-earning assets and interest paid on interest-bearing liabilities:
Increase / (Decrease)
Due to		Total
Increase/
(Decrease)
(Dollars in thousands)VolumeRate
Interest-earning assets
Loans receivable$(1,532)$(340)$(1,872)
Debt securities available for sale(65)70 5 
Other interest-earning assets(10)(93)(103)
Total interest-earning assets(1,607)(363)(1,970)
Interest-bearing liabilities
Interest-bearing checking accounts14 74 88 
Money market accounts(138)(438)(576)
Savings accounts(1)(1)(2)
Certificate accounts(1,057)(512)(1,569)
Junior subordinated debt(3)(8)(11)
Borrowings91 (83)8 
Total interest-bearing liabilities(1,094)(968)(2,062)
Increase in net interest income$92 
Provision for Credit Losses.  The provision for credit losses is the amount of expense that, based on our judgment, is required to maintain the ACL at an appropriate level under the current expected credit losses model.
The following table presents a breakdown of the components of the provision for credit losses:
Three Months Ended
(Dollars in thousands)March 31, 2026December 31, 2025$ Change% Change
Provision for credit losses
Loans$945 $1,525 $(580)(38)%
Off-balance sheet credit exposure(575)555 (1,130)(204)
Total provision for credit losses$370 $2,080 $(1,710)(82)%
For the quarter ended March 31, 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:
•$0.5 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.
•$0.6 million decrease in specific reserves on individually evaluated loans.
For the quarter ended December 31, 2025, the "loans" portion of the provision for credit losses was primarily the result of the following, offset by net charge-offs of $3.1 million during the quarter:
•$0.9 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.
•$0.6 million decrease in specific reserves on individually evaluated loans.
For the quarters ended March 31, 2026 and December 31, 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.
35

Noninterest Income.  Noninterest income for the three months ended March 31, 2026 increased $635,000, or 6.8%, when compared to the quarter ended December 31, 2025. Changes in the components of noninterest income are discussed below:
Three Months Ended
(Dollars in thousands)March 31, 2026December 31, 2025$ Change% Change
Noninterest income
Service charges and fees on deposit accounts$2,414 $2,534 $(120)(5)%
Loan income and fees692 926 (234)(25)
Gain on sale of loans held for sale2,654 1,926 728 38 
BOLI income892 976 (84)(9)
Operating lease income1,892 2,032 (140)(7)
Gain on sale of premises and equipment377 65 312 480 
Other1,110 937 173 18 
Total noninterest income$10,031 $9,396 $635 7 %
•Loan income and fees: The decrease was primarily the result of $144,000 less in interest rate swap fees in addition to smaller decreases across several other loan fee categories.
•Gain on sale of loans held for sale: The increase was primarily driven by an increase in the sales volume of HELOC loans originated for sale, partially offset by reduced sales volume of residential mortgage loans and SBA commercial loans. There were $103.0 million of HELOCs originated for sale which were sold during the current quarter with gains of $934,000 compared to $13.7 million sold with gains of $121,000 in the prior quarter. There were $23.3 million of residential mortgage loans sold for gains of $431,000 during the current quarter compared to $31.1 million sold with gains of $606,000 in the prior quarter. There were $16.4 million in sales of the guaranteed portion of SBA commercial loans with gains of $1.2 million for the current quarter compared to $18.9 million sold and gains of $1.5 million for the prior quarter. Our hedging of mandatory commitments on the residential mortgage loan pipeline resulted in a net gain of $68,000 for the current quarter compared to a net loss of $295,000 for the prior quarter.
•Gain on sale of premises and equipment: In both periods presented, gains were recognized on the sale of excess parcels of land.
Noninterest Expense.  Noninterest expense for the three months ended March 31, 2026 increased $1.3 million, or 4.0%, when compared to the three months ended December 31, 2025. Changes in the components of noninterest expense are discussed below:
Three Months Ended
(Dollars in thousands)March 31, 2026December 31, 2025$ Change% Change
Noninterest expense
Salaries and employee benefits$19,877 $18,541 $1,336 7 %
Occupancy expense, net2,630 2,572 58 2 
Computer services2,877 2,798 79 3 
Operating lease depreciation expense1,516 1,582 (66)(4)
Telecom, postage and supplies581 542 39 7 
Marketing and advertising417 514 (97)(19)
Deposit insurance premiums484 483 1 — 
Core deposit intangible amortization374 411 (37)(9)
Other4,219 4,251 (32)(1)
Total noninterest expense$32,975 $31,694 $1,281 4 %
•Salaries and employee benefits: The increase was primarily the result of a $449,000 increase in incentive compensation and $409,000 in additional FICA taxes.
Income Taxes.  The amount of income tax expense is influenced by the amount of pre-tax income, tax-exempt income, changes in the statutory rate and the effect of changes in valuation allowances maintained against deferred tax benefits. The effective tax rates for the three months ended March 31, 2026 and December 31, 2025 were 20.1% and 18.7%, respectively, with the quarter-over-quarter increase driven by the prior quarter impact of the Company's investment in a tax credit equity fund.
Comparison of Financial Condition at March 31, 2026 and December 31, 2025
General.  Total assets decreased by $159.3 million to $4.4 billion and total liabilities decreased by $151.0 million to $3.8 billion at March 31, 2026 as compared to December 31, 2025. These changes can be traced to the use of proceeds from both loan sales and loan paydowns to offset a $70.5 million decline in deposits. The decrease in deposits was the result of a $116.1 million reduction in brokered deposits, partially offset by an increase of $45.7 million in all other deposit categories.
Cash and Cash Equivalents.  Total cash and cash equivalents decreased $24.0 million, or 7.4%, to $300.7 million at March 31, 2026 from $324.7 million at December 31, 2025.
Certificates of Deposit in Other Banks.  Total certificates of deposit in other banks decreased $5.2 million, or 27.7%, to $13.6 million at March 31, 2026 compared to December 31, 2025.
Debt Securities Available for Sale.  Debt securities available for sale increased $7.2 million, or 5.0%, to $149.7 million at March 31, 2026 from $142.5 million at December 31, 2025. Outside of changes in value, the changes between periods were the result of $13.0 million in
36

purchases, partially offset by $5.2 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 $97.2 million, or 47.3%, to $108.5 million at March 31, 2026 from $205.7 million at December 31, 2025. This was driven by a decrease of $103.3 million, or 63.4%, in HELOCs held for sale due to loan sales during the current quarter, partially offset by a $5.8 million, or 16.3%, increase in SBA loans held for sale.
Loans, Net of Deferred Loan Fees and Costs.  Loans held for investment totaled $3.5 billion at March 31, 2026, a decrease of $31.6 million, 0.9%, compared to the balance as of December 31, 2025. The following table illustrates the changes within the portfolio:
As ofChangePercent of Total
March 31, 2026
December 31, 2025
March 31, 2026
December 31, 2025
(Dollars in thousands)$%
Commercial real estate loans
Construction and land development$317,497 $277,028 $40,469 15 %9 %8 %
Commercial real estate – owner occupied527,375 562,049 (34,674)(6)15 16 
Commercial real estate – non-owner occupied823,672 832,502 (8,830)(1)23 23 
Multifamily109,564 110,912 (1,348)(1)3 3 
Total commercial real estate loans1,778,108 1,782,491 (4,383)— 50 50 
Commercial loans
Commercial and industrial392,114 378,686 13,428 4 11 10 
Equipment finance286,455 311,356 (24,901)(8)8 9 
Municipal leases167,371 166,396 975 1 5 5 
Total commercial loans845,940 856,438 (10,498)(1)24 24 
Residential real estate loans
Construction and land development48,715 45,617 3,098 7 1 1 
One-to-four family619,735 633,511 (13,776)(2)18 18 
HELOCs218,283 217,310 973 — 6 6 
Total residential real estate loans886,733 896,438 (9,705)(1)25 25 
Consumer loans35,799 42,787 (6,988)(16)1 1 
Total loans, net of deferred loan fees and costs$3,546,580 $3,578,154 $(31,574)(1)%100 %100 %
























37



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)March 31, 2026December 31, 2025March 31, 2025
Nonaccruing loans
Commercial real estate
Construction and land development$854 $381 $— 
Commercial real estate – owner occupied11,256 10,467 8,583 
Commercial real estate – non-owner occupied6,704 6,566 3,552 
Multifamily— — 38 
Total commercial real estate18,814 17,414 12,173 
Commercial
Commercial and industrial10,578 9,786 2,965 
Equipment finance6,096 6,690 5,065 
Total commercial16,674 16,476 8,030 
Residential real estate
Construction and land development— — 132 
One-to-four family3,632 2,961 2,203 
HELOCs7,140 6,523 4,033 
Total residential real estate10,772 9,484 6,368 
Consumer479 402 388 
Total nonaccruing loans$46,739 $43,776 $26,959 
Total repossessed assets316 657 1,058 
Total nonperforming assets$47,055 $44,433 $28,017 
Total nonperforming assets as a percentage of total assets1.07 %0.98 %0.61 %
Total SBA loans included in nonaccrual loans$22,720 $20,647 $6,459 
Portion of SBA loans fully guaranteed by the SBA16,348 14,885 2,374 
Total nonaccruing loans, excluding the balance fully guaranteed by the SBA30,391 28,891 24,585 
Total repossessed assets316 657 1,058 
Total nonperforming assets, excluding the balance fully guaranteed by the SBA$30,707 $29,548 $25,643 
Total nonperforming assets, excluding the balance fully guaranteed by the SBA, as a percentage of total assets0.70 %0.65 %0.56 %
SBA loans made up 48.3%, 46.5% and 23.1% of total nonperforming assets at March 31, 2026, December 31, 2025 and March 31, 2025, respectively. The year-over-year increase was primarily 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.
Classified assets increased by $6.0 million, or 9.1%, to $72.2 million, or 1.65% of total assets, as of March 31, 2026 when compared to the balance of $66.2 million, or 1.46% of total assets, as of December 31, 2025. Similarly, classified assets increased by $31.5 million, or 77.4%, to $72.2 million, or 1.65% of total assets, as of March 31, 2026 when compared to the balance of $40.7 million, or 0.89% of total assets, as of March 31, 2025. SBA loans made up the largest portion of classified assets at $25.7 million and $27.3 million, respectively, as of March 31, 2026 and December 31, 2025, of which $18.1 million $19.8 million, respectively, was fully guaranteed. The remaining population of classified assets as of March 31, 2026 included $10.0 million of HELOCs, $9.3 million of 1-4 family residential real estate loans, $7.7 million of equipment finance loans (concentrated in the transportation sector) and $7.4 million of non-owner occupied CRE loans.
Allowance for Credit Losses on Loans. The ACL on loans was $40.6 million, or 1.14% of total loans, at March 31, 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 Quarters Ended March 31, 2026 and December 31, 2025 – Provision for Credit Losses" section above.
38

The following table summarizes the distribution of the ACL by loan category at the dates indicated.
 
March 31, 2026
December 31, 2025
(Dollars in thousands)Allocated Allowance% of Loan PortfolioACL to LoansAllocated Allowance% of Loan PortfolioACL to Loans
Commercial real estate
Construction and land development$4,620 9 %0.13 %$3,948 8 %0.11 %
Commercial real estate – owner occupied5,121 15 0.14 5,404 16 0.15 
Commercial real estate – non-owner occupied9,027 23 0.25 8,908 23 0.25 
Multifamily1,013 3 0.03 1,038 3 0.03 
Total commercial real estate19,781 50 0.55 19,298 50 0.54 
Commercial
Commercial and industrial4,915 11 0.14 4,894 10 0.14 
Equipment finance6,811 8 0.19 8,110 9 0.22 
Municipal leases321 5 0.01 327 5 0.01 
Total commercial12,047 24 0.34 13,331 24 0.37 
Residential real estate
Construction and land development343 1 0.01 307 1 0.01 
One-to-four family6,249 18 0.18 6,342 18 0.18 
HELOCs1,860 6 0.05 1,843 6 0.05 
Total residential real estate8,452 25 0.24 8,492 25 0.24 
Consumer327 1 0.01 358 1 0.01 
Total loans$40,607 100 %1.14 %$41,479 100 %1.16 %
 
March 31, 2026
December 31, 2025
(Dollars in thousands)Allocated AllowanceACL to LoansAllocated AllowanceACL to Loans
ACL composition
Quantitative allocation$22,531 0.64 %$22,832 0.64 %
Qualitative allocation17,367 0.49 17,359 0.50 
Individual allocation709 0.01 1,288 0.02 
Total ACL$40,607 1.14 %$41,479 1.16 %
Net loan charge-offs totaled $1.8 million for the quarter ended March 31, 2026 compared to $3.1 million and $1.3 million for the three months ended December 31, 2025 and March 31, 2025, respectively. For all three periods, 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 $1.5 million, $2.0 million and $1.0 million for the same periods, respectively. Annualized net charge-offs as a percentage of average loans were 0.19% for the three months ended March 31, 2026 as compared to 0.33% and 0.14% for the three months ended December 31, 2025 and March 31, 2025, respectively.
Deposits.  The following table summarizes the composition of our deposit portfolio as of the dates indicated:
(Dollars in thousands)
March 31, 2026
December 31, 2025$ Change% Change
Core deposits
Noninterest-bearing accounts$730,666 $707,748 $22,918 3 %
NOW accounts575,525 546,387 29,138 5 
Money market accounts1,393,120 1,374,635 18,485 1 
Savings accounts171,754 171,455 299 — 
Total core deposits2,871,065 2,800,225 70,840 3 
Certificates of deposit768,477 909,772 (141,295)(16)
Total$3,639,542 $3,709,997 $(70,455)(2)%
The decrease in deposits was driven by a reduction in brokered certificates of deposit of $116.1 million, partially offset by an increase of $45.7 million in core deposits and other certificates of deposit.
Stockholders' Equity. Stockholders' equity decreased $8.3 million, or 1.4%, to $592.4 million at March 31, 2026 as compared to December 31, 2025. Activity within stockholders' equity included $16.8 million in net income and $1.4 million in share-based compensation and stock option exercises, which was more than offset by $2.2 million in cash dividends declared and $23.1 million in stock repurchases. In addition, accumulated other comprehensive income declined by $622,000 due to an increase in the unrealized loss on available for sale securities due to higher 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 potential liquidity demands. The primary sources are increases in deposit accounts, wholesale borrowings and cash flows from loan payments and the securities portfolio.
39

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 March 31, 2026, the Company had the ability to borrow $366.6 million through additional FHLB advances and $140.6 million through the unused portion of a line of credit with the FRB. At this same date, the Company maintained revolving lines of credit with 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 March 31, 2026, brokered deposits totaled $155.2 million, or 4.3% of total deposits.
Liquidity management is both a daily and long-term function of business management. Excess liquidity is generally invested in short-term investments, such as overnight deposits and federal funds. On a longer term basis, we maintain a strategy of investing in various lending products and debt securities, including MBS. On a stand-alone level we are a separate legal entity from the Bank and must provide for our own liquidity and pay our own operating expenses. Our primary source of funds consists of dividends or capital distributions from the Bank, although there are regulatory restrictions on the ability of the Bank to pay dividends. At March 31, 2026, we (on an unconsolidated basis) had liquid assets of $6.6 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 March 31, 2026, the total approved loan commitments and unused lines of credit outstanding amounted to $323.1 million and $884.6 million, respectively. Certificates of deposit scheduled to mature in one year or less at March 31, 2026 totaled $745.4 million. It is management's policy to manage deposit rates that are competitive with other local financial institutions. Based on this strategy, we believe that a majority of maturing deposits will be retained.
Off-Balance Sheet Activities
In the normal course of operations, we engage in a variety of financial transactions that are not recorded in our financial statements, mainly to manage customers' requests for funding. These transactions primarily take the form of loan commitments and lines of credit and involve varying degrees of off-balance sheet credit, interest rate and liquidity risks. For further information, see "Note 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 March 31, 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 March 31, 2026 under applicable regulatory requirements.
40

HomeTrust Bancshares, Inc. and the Bank's actual and required minimum capital amounts and ratios are as follows:
 Regulatory Requirements
ActualMinimum for Capital
Adequacy Purposes		Minimum to Be
Well Capitalized
(Dollars in thousands)AmountRatioAmountRatioAmountRatio
HomeTrust Bancshares, Inc.
March 31, 2026
CET1 Capital (to risk-weighted assets)$553,885 14.14 %$176,282 4.50 %$254,629 6.50 %
Tier I Capital (to total adjusted assets)564,130 12.98 173,807 4.00 217,259 5.00 
Tier I Capital (to risk-weighted assets)564,130 14.40 235,042 6.00 313,390 8.00 
Total Risk-based Capital (to risk-weighted assets)608,782 15.54 313,390 8.00 391,737 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      
March 31, 2026      
CET1 Capital (to risk-weighted assets)$551,612 14.09 %$176,216 4.50 %$254,535 6.50 %
Tier I Capital (to total adjusted assets)551,612 12.70 173,776 4.00 217,220 5.00 
Tier I Capital (to risk-weighted assets)551,612 14.09 234,955 6.00 313,273 8.00 
Total Risk-based Capital (to risk-weighted assets)596,264 15.23 313,273 8.00 391,592 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 March 31, 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 March 31, 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 March 31, 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 March 31, 2026 that have materially affected, or are reasonably likely to materially affect, the Company’s internal control over financial reporting.
41

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 March 31, 2026:
PeriodTotal # of Shares PurchasedAverage Price Paid per ShareTotal # of Shares Purchased as Part of Publicly Announced PlansMaximum # of
Shares that May
Yet Be Purchased Under Publicly Announced Plans
January 1 - January 31, 2026107,626 $42.80 107,626 671,117 
February 1 - February 28, 2026205,702 43.55 205,702 465,415 
March 1 - March 31, 2026219,912 42.21 219,912 245,503 
Total533,240 $42.85 533,240 245,503 
The Company's Board of Directors has, from time to time, authorized the repurchase of its common stock. The most recent time this was done, on December 16, 2025, 870,000 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 March 31, 2026, 624,497 of these shares had been purchased at an average price of $43.10 per share, 533,240 of which were repurchased during the three months ended March 31, 2026. 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 March 31, 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.


















42

Item 6. Exhibits
Regulation
S-K Exhibit #		DocumentReference to Prior Filing or Exhibit # Attached Hereto
   
3.1(d)
3.2(w)
10.1(n)
10.2(g)
10.2A(b)
10.2B(h)
10.2C(o)
10.2D(e)
10.3(g)
10.3A(a)
10.4(d)
10.5(m)
10.6(l)
10.6A(d)
10.6B(d)
10.6C(d)
10.6D(d)
10.6E(d)
10.6F(d)
10.6G(d)
10.6H(d)
10.6I(i)
10.7(d)
10.7A(d)
10.7B(d)
10.7C(d)
10.7D(d)
10.7E(d)
10.7F(d)
10.7G(d)
10.8(d)
10.8A(m)
10.8B(m)
10.8C(r)
10.8D(t)
10.9(d)
10.9A(m)
10.10(d)
10.10A(m)
10.11(x)
10.12(j)
10.12A(k)
10.12B(k)
10.12C(k)
43

Regulation
S-K Exhibit #		DocumentReference to Prior Filing or Exhibit # Attached Hereto
10.12D(k)
10.12E(k)
10.13(q)
10.13A(u)
10.13B(u)
10.13C(u)
10.14(s)
10.15(r)
10.15A(a)
10.16(a)
10.17(p)
10.18(v)
10.19(c)
31.131.1
31.231.2
32.032.0
97(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).

44

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

45

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