Companies: 10,793     total market cap: $134.237 T
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HomeTrust Bancshares
HTB
#6473
Rank
$0.75 B
Marketcap
๐Ÿ‡บ๐Ÿ‡ธ United States
Country
$43.04
Share price
0.05%
Change (1 day)
34.71%
Change (1 year)
๐Ÿฆ Banks๐Ÿ’ณ Financial services
Categories
  1. HomeTrust Bancshares
  2. Quarterly Reports (10-Q)
  3. Financial Year FY2025 Q1

HomeTrust Bancshares - 10-Q quarterly report FY2025 Q1


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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, 2025

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

For the transition period from _______ to ________

Commission file number:     001-35593

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

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

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

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

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

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

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

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company” and "emerging growth company" in Rule 12b-2 of the Exchange Act.
Large accelerated filer ☐      
Accelerated filer ☒
Non-accelerated filer   ☐
Smaller reporting company ☐
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).  Yes ☐ No ☒
There were 17,548,426 shares of common stock, par value of $0.01 per share, issued and outstanding as of May 5, 2025.


HOMETRUST BANCSHARES, INC. AND SUBSIDIARIES
FORM 10-Q
TABLE OF CONTENTS
 Page
 
Item 1 
  
Consolidated Balance Sheets at March 31, 2025 (Unaudited) and December 31, 2024
3
  
Consolidated Statements of Income (Unaudited) for the Three Months Ended March 31, 2025 and 2024
4
  
5
  
Consolidated Statements of Changes in Stockholders' Equity (Unaudited) for the Three Months Ended March 31, 2025 and 2024
6
  
Consolidated Statements of Cash Flows (Unaudited) for the Three Months Ended March 31, 2025 and 2024
7
  
Notes to Consolidated Financial Statements
9
  
Item 2
31
  
Item 3
39
  
Item 4
39
  
 
  
Item 1
40
  
Item 1A
40
  
Item 2
40
  
Item 3
40
  
Item 4
40
  
Item 5
40
  
Item 6
40
  
43

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
COVID-19
Coronavirus Disease 2019
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, 2025December 31, 2024
Assets
Cash$14,303 $18,778 
Interest-bearing deposits285,522 260,441 
Cash and cash equivalents299,825 279,219 
Certificates of deposit in other banks25,806 28,538 
Debt securities available for sale, at fair value (amortized cost of $151,356 and $154,199 at March 31, 2025 and December 31, 2024, respectively)
150,577 152,011 
FHLB and FRB stock13,602 13,630 
SBIC investments17,746 15,117 
Loans held for sale, at fair value2,175 4,144 
Loans held for sale, at the lower of cost or fair value151,164 202,018 
Loans, net of deferred loan fees and costs3,648,609 3,648,299 
Allowance for credit losses – loans(44,742)(45,285)
Loans, net3,603,867 3,603,014 
Premises and equipment, at the lower of cost or fair value8,240 616 
Premises and equipment, net62,347 69,872 
Accrued interest receivable18,269 18,336 
Deferred income taxes, net9,288 10,735 
BOLI91,715 90,868 
Goodwill34,111 34,111 
Core deposit intangibles, net6,080 6,595 
Other assets63,248 66,606 
Total assets$4,558,060 $4,595,430 
Liabilities and stockholders' equity  
Liabilities  
Deposits$3,736,360 $3,779,203 
Junior subordinated debt10,145 10,120 
Borrowings177,000 188,000 
Other liabilities69,106 66,349 
Total liabilities3,992,611 4,043,672 
Commitments and contingencies – See Note 12
Stockholders' equity  
Preferred stock, $0.01 par value, 10,000,000 shares authorized, none issued or outstanding
— — 
Common stock, $0.01 par value, 60,000,000 shares authorized, 17,552,626 shares issued and outstanding at March 31, 2025; 17,527,709 at December 31, 2024
176 175 
Additional paid in capital176,682 176,693 
Retained earnings393,026 380,541 
Unearned ESOP shares(3,835)(3,966)
Accumulated other comprehensive loss(600)(1,685)
Total stockholders' equity565,449 551,758 
Total liabilities and stockholders' equity$4,558,060 $4,595,430 
The accompanying notes are an integral part of these consolidated financial statements.
3

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Consolidated Statements of Income
(Dollars in thousands, except per share data)
(Unaudited)
Three Months Ended March 31,
20252024
Interest and dividend income
Loans$58,613 $59,952 
Debt securities available for sale1,787 1,313 
Other investments and interest-bearing deposits3,235 2,090 
Total interest and dividend income63,635 63,355 
Interest expense  
Deposits20,363 20,318 
Junior subordinated debt205 236 
Borrowings160 1,571 
Total interest expense20,728 22,125 
Net interest income42,907 41,230 
Provision for credit losses1,540 1,165 
Net interest income after provision for credit losses41,367 40,065 
Noninterest income  
Service charges and fees on deposit accounts2,244 2,149 
Loan income and fees721 678 
Gain on sale of loans held for sale1,908 1,457 
BOLI income842 1,835 
Operating lease income1,379 1,859 
Loss on sale of premises and equipment— (9)
Other933 842 
Total noninterest income8,027 8,811 
Noninterest expense  
Salaries and employee benefits17,699 16,976 
Occupancy expense, net2,511 2,437 
Computer services2,805 3,088 
Operating lease depreciation expense1,868 1,643 
Telephone, postage and supplies546 585 
Marketing and advertising452 645 
Deposit insurance premiums511 554 
Core deposit intangible amortization515 762 
Other4,054 3,174 
Total noninterest expense30,961 29,864 
Income before income taxes18,433 19,012 
Income tax expense3,894 3,945 
Net income$14,539 $15,067 
Per share data  
Net income per common share  
Basic$0.84 $0.88 
Diluted$0.84 $0.88 
Average shares outstanding  
Basic17,011,359 16,859,738 
Diluted17,113,424 16,872,840 
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,
 20252024
Net income$14,539 $15,067 
Other comprehensive income (loss) 
Unrealized holding gains (losses) on debt securities available for sale  
Gains (losses) arising during the period1,409 (785)
Deferred income tax (expense) benefit(324)181 
Total other comprehensive income (loss)1,085 (604)
Comprehensive income$15,624 $14,463 
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, 2025
Common StockAdditional
Paid In
Capital		Retained
Earnings		Unearned
ESOP
Shares		Accumulated
Other
Comprehensive 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 
(Unaudited)
Three Months Ended March 31, 2024
Common StockAdditional
Paid In
Capital		Retained
Earnings		Unearned
ESOP
Shares		Accumulated
Other
Comprehensive
Loss		Total
Stockholders'
Equity
SharesAmount
Balance at December 31, 202317,387,069 $174 $172,366 $333,401 $(4,497)$(1,551)$499,893 
Net income— — — 15,067 — — 15,067 
Cash dividends declared on common stock, $0.11/common share
— — — (1,870)— — (1,870)
Retired stock(8,762)— (233)— — — (233)
Granted restricted stock56,480 — — — — — — 
Exercised stock options10,000 1 158 — — — 159 
Share-based compensation expense— — 413 — — — 413 
ESOP compensation expense— — 215 — 133 — 348 
Other comprehensive loss— — — — — (604)(604)
Balance at March 31, 202417,444,787 $175 $172,919 $346,598 $(4,364)$(2,155)$513,173 
The accompanying notes are an integral part of these consolidated financial statements.







6

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Consolidated Statements of Cash Flows
(Dollars in thousands)
(Unaudited)
Three Months Ended March 31,
 20252024
Operating activities
Net income$14,539 $15,067 
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Provision for credit losses1,540 1,165 
Depreciation and amortization of premises and equipment and equipment for operating leases2,818 2,578 
Deferred income tax expense1,122 755 
Net accretion of purchase accounting adjustments on loans(322)(715)
Net amortization and accretion1,330 1,841 
SBIC investments income(1,288)(254)
Loss on sale of premises and equipment— 9 
Loss on repossessed assets122 — 
Loss on previously leased equipment835 145 
BOLI income(842)(1,835)
Gain on sale of loans held for sale(1,908)(1,457)
Origination of loans held for sale(64,529)(63,087)
Proceeds from sales of loans held for sale114,846 37,790 
New deferred loan origination costs (fees), net218 (374)
Decrease (increase) in accrued interest receivable and other assets
37 (3,281)
Share-based compensation expense490 413 
ESOP compensation expense465 348 
Increase in other liabilities2,216 1,858 
Net cash provided by (used in) operating activities71,689 (9,034)
Investing activities  
Purchase of debt securities available for sale(2,955)(12,034)
Proceeds from maturities, calls and paydowns of debt securities available for sale6,175 17,666 
Purchases of CDs in other banks(1,244)(1,988)
Proceeds from maturities of CDs in other banks3,976 3,085 
Net redemptions of FHLB and FRB stock28 4,702 
Net capital contributions in SBIC investments(1,341)(525)
Net decrease (increase) in loans1,522 (5,299)
Purchase of BOLI(5)(11)
Proceeds from redemption of BOLI policies2,174 41,319 
Purchase of equipment for operating leases - lessor(2,087)(3,401)
Proceeds from sale of premises and equipment and assets held for sale233 5,204 
Purchase of premises and equipment(1,024)(571)
Proceeds from sale of repossessed assets196 — 
Net cash provided by investing activities5,648 48,147 














7

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Consolidated Statements of Cash Flows (continued)
(Dollars in thousands)
(Unaudited)
Three Months Ended March 31,
 20252024
Financing activities  
Net increase (decrease) in deposits(42,843)138,434 
Net decrease in revolving line of credit— (3,250)
Net decrease in short-term borrowings(11,000)(139,000)
Common stock repurchased(503)— 
Cash dividends paid(2,054)(1,870)
Retired stock(427)(233)
Exercised stock options96 159 
Net cash used in financing activities(56,731)(5,760)
Net increase in cash and cash equivalents20,606 33,353 
Cash and cash equivalents at beginning of period279,219 347,140 
Cash and cash equivalents at end of period$299,825 $380,493 
Supplemental disclosures
Cash paid during the period for
Interest$23,356 $20,221 
Income taxes11 50 
Noncash transactions  
Unrealized gain (loss) in value of debt securities available for sale, net of income taxes$1,085 $(604)
Transfers of loans held for sale to loans held for investment4,158 5,392 
Establish receivable for death benefit proceeds from BOLI policies — 1,734 
Transfers of loans held for investment to repossessed assets273 — 
ROU asset and lease liabilities for operating lease accounting448 24 
Transfer of premises and equipment to assets held for sale7,624 — 
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, Knoxville and Morristown), Southwest Virginia (the Roanoke Valley) and Georgia (Greater Atlanta). The Company operates under a single set of corporate policies and procedures and its operations are considered to be aggregated in one reportable operating segment for financial reporting purposes.
As a result of its merger with Quantum on February 12, 2023, HomeTrust became the 100% successor owner of the Quantum Capital Statutory Trust II Delaware trust. The sole assets of the trust represent the proceeds of offerings loaned in exchange for subordinated debentures with similar terms to the trust preferred securities.
The accompanying unaudited consolidated financial statements have been prepared in accordance with US GAAP for interim financial information and in accordance with the instructions to Form 10-Q and Article 10 of Regulation S-X as promulgated by the SEC. Accordingly, they do not include all the information and footnotes required by US GAAP for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation of the financial position and results of operations for the periods presented have been included. It is recommended that these unaudited interim consolidated financial statements be read in conjunction with the audited consolidated financial statements and notes thereto included in the Company's Annual Report on Form 10-K for the year ended December 31, 2024 ("2024 Form 10-K") filed with the SEC on March 13, 2025. The results of operations for the three months ended March 31, 2025 are not necessarily indicative of results that may be expected for the fiscal year ending December 31, 2025, the period which will be covered on a Report on Form 10-K.
The preparation of financial statements in conformity with US GAAP requires management to make estimates and assumptions that affect amounts reported in the financial statements. Various elements of the Company's accounting policies, by their nature, are inherently subject to estimation techniques, valuation assumptions and other subjective assessments. In particular, management has identified the determination of the provision and the ACL on loans as an accounting policy that, due to the judgments, estimates and assumptions inherent in the policy, is critical to an understanding of the Company's financial statements. This policy and the related judgments, estimates and assumptions are described in greater detail in the notes to the Consolidated Financial Statements and Management's Discussion and Analysis of Financial Condition and Results of Operations (Critical Accounting Policies and Estimates) in the 2024 Form 10-K. Management believes that the judgments, estimates and assumptions used in the preparation of the financial statements are appropriate based on the factual circumstances at the time. However, given the sensitivity of the financial statements to this critical accounting policy, the use of other judgments, estimates and assumptions could result in material differences in the Company's results of operations or financial condition. Further, subsequent changes in economic or market conditions could have a material impact on these estimates and the Company's financial condition and operating results in future periods.
2.    Recent Accounting Pronouncements
Newly Issued but Not Yet Effective Accounting Standards
ASU 2023-09, "Income Taxes (Topic 740): Improvements to Income Tax Disclosures." In December 2023, the FASB issued ASU 2023-09 which requires entities to disclose more detailed information in the reconciliation of their statutory tax rate to their effective tax rate. The ASU also requires entities to disclose more detailed information about income taxes paid, including by jurisdiction. This ASU is effective for public business entities for annual reporting periods beginning after December 15, 2024. The Company will update its income tax disclosures upon adoption of the ASU.
ASU 2024-03, "Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses." In November 2024, the FASB issued ASU 2024-03 which requires entities to disclose more detailed information about certain costs and expenses related to purchases of inventory, employee compensation, depreciation and intangible asset amortization among other items. This ASU is effective for public business entities for annual reporting periods beginning after December 15, 2026 and interim periods beginning after December 15, 2027. The adoption of the provisions of ASU 2024-03 is not expected to have an impact on the Company's financial results, but will impact disclosures.
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, 2025
Amortized
Cost		Gross
Unrealized
Gains		Gross
Unrealized
Losses		Estimated
Fair
Value
MBS, residential$144,433 $1,446 $(1,658)$144,221 
Municipal bonds1,923 — (35)1,888 
Corporate bonds5,000 — (532)4,468 
Total$151,356 $1,446 $(2,225)$150,577 
December 31, 2024
Amortized
Cost		Gross
Unrealized
Gains		Gross
Unrealized
Losses		Estimated
Fair
Value
MBS, residential$145,748 $887 $(2,488)$144,147 
Municipal bonds3,451 — (55)3,396 
Corporate bonds5,000 — (532)4,468 
Total$154,199 $887 $(3,075)$152,011 
Debt securities available for sale by contractual maturity at March 31, 2025 and December 31, 2024 are shown below. MBS are not included in the maturity categories because the borrowers in the underlying pools may prepay without penalty; therefore, it is unlikely that the securities will pay at their stated maturity schedule.
 March 31, 2025
Amortized
Cost		Estimated
Fair Value
Due within one year$— $— 
Due after one year through five years1,923 1,888 
Due after five years through ten years5,000 4,468 
Due after ten years— — 
MBS, residential144,433 144,221 
Total$151,356 $150,577 
 December 31, 2024
Amortized
Cost		Estimated
Fair Value
Due within one year$1,522 $1,520 
Due after one year through five years1,929 1,876 
Due after five years through ten years5,000 4,468 
Due after ten years— — 
MBS, residential145,748 144,147 
Total$154,199 $152,011 
The Company had no sales of debt securities available for sale and no gross realized gains or losses were recognized during the three months ended March 31, 2025 or 2024.
Debt securities available for sale with amortized costs totaling $27,531 and $24,718 and market values of $27,262 and $24,358 at March 31, 2025 and December 31, 2024, respectively, were pledged as collateral to secure various public deposits and other borrowings.

10

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
The gross unrealized losses and the fair value for debt securities available for sale aggregated by the length of time that individual securities have been in a continuous unrealized loss position as of March 31, 2025 and December 31, 2024 were as follows:
March 31, 2025
Less than 12 Months12 Months or MoreTotal
Fair
Value		Unrealized
Losses		Fair
Value		Unrealized
Losses		Fair
Value		Unrealized
Losses
MBS, residential$14,769 $(142)$59,701 $(1,516)$74,470 $(1,658)
Municipal bonds— — 1,888 (35)1,888 (35)
Corporate bonds— — 3,718 (532)3,718 (532)
Total$14,769 $(142)$65,307 $(2,083)$80,076 $(2,225)
December 31, 2024
Less than 12 Months12 Months or MoreTotal
Fair
Value		Unrealized
Losses		Fair
Value		Unrealized
Losses		Fair
Value		Unrealized
Losses
MBS, residential$30,995 $(515)$61,515 $(1,973)$92,510 $(2,488)
Municipal bonds— — 3,396 (55)3,396 (55)
Corporate bonds— — 3,718 (532)3,718 (532)
Total$30,995 $(515)$68,629 $(2,560)$99,624 $(3,075)
The total number of securities with unrealized losses at March 31, 2025 and December 31, 2024 were 153 and 168, respectively.
Management evaluates securities for impairment where there has been a decline in fair value below the amortized cost basis of a security to determine whether there is a credit loss associated with the decline in fair value on at least a quarterly basis, and more frequently when economic or market concerns warrant such evaluation. All debt securities available for sale in an unrealized loss position as of March 31, 2025 continue to perform as scheduled and management does not believe that there is a credit loss or that a provision for credit losses is necessary. Also, as part of management's evaluation of its intent and ability to hold investments for a period of time sufficient to allow for any anticipated recovery in the market, management considers its investment strategy, cash flow needs, liquidity position, capital adequacy and interest rate risk position. Management does not currently intend to sell the securities within the portfolio and it is not more-likely-than-not that securities will be required to be sold. See "Note 1 – Summary of Significant Accounting Policies" in our 2024 Form 10-K for further discussion.
Management continues to monitor all of its securities with a high degree of scrutiny. There can be no assurance that management will not conclude in future periods that conditions existing at that time indicate some or all of its securities may be sold or would require a charge to earnings as a provision for credit losses in such periods.
Management excludes the accrued interest receivable balance from the amortized cost basis in measuring ECLs on investment securities and does not record an ACL on accrued interest receivable. As of March 31, 2025 and December 31, 2024, the accrued interest receivable for debt securities available for sale was $531 and $606, 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, 2025December 31, 2024
One-to-four family$2,778 $408 
SBA26,940 22,867 
HELOCs121,446 178,743 
Total loans held for sale, at the lower of cost or fair value$151,164 $202,018 
The carrying balance of loans held for sale, at fair value, was $2,175 and $4,144 at March 31, 2025 and December 31, 2024, respectively, while the amortized cost of these loans was $2,142 and $4,062, 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, 2025December 31, 2024
Commercial real estate
Construction and land development$247,539 $274,356 
Commercial real estate – owner occupied570,150 545,490 
Commercial real estate – non-owner occupied867,711 866,094 
Multifamily118,094 120,425 
Total commercial real estate1,803,494 1,806,365 
Commercial
Commercial and industrial349,085 316,159 
Equipment finance380,166 406,400 
Municipal leases163,554 165,984 
Total commercial892,805 888,543 
Residential real estate
Construction and land development56,858 53,683 
One-to-four family631,537 630,391 
HELOCs199,747 195,288 
Total residential real estate888,142 879,362 
Consumer64,168 74,029 
Total loans, net of deferred loan fees and costs3,648,609 3,648,299 
Allowance for credit losses - loans(44,742)(45,285)
Loans, net$3,603,867 $3,603,014 
(1)    At March 31, 2025 and December 31, 2024 accrued interest receivable of $17,450 and $17,569, respectively, was accounted for separately from the amortized cost basis.
All qualifying one-to-four family loans, HELOCs, multifamily, commercial real estate loans and FHLB of Atlanta stock are pledged as collateral by a blanket pledge to secure outstanding FHLB advances.
Loans are made to the Company's executive officers, directors and their associates during the ordinary course of business. No balance was outstanding on loans to these related parties as of either March 31, 2025 or December 31, 2024. In relation to these loans, unfunded commitments totaled approximately $3 at both March 31, 2025 and December 31, 2024, respectively.
Loans are monitored for credit quality on a recurring basis and the composition of the loans outstanding by credit quality indicator is provided below. Loan credit quality indicators are developed through review of individual borrowers on an ongoing basis. Generally, loans are monitored for performance on a quarterly basis with the credit quality indicators adjusted as needed. The indicators represent the rating for loans as of the date presented based on the most recent assessment performed. These credit quality indicators are defined as follows:
Pass – A pass rated loan is not adversely classified because it does not display any of the characteristics for adverse classification.
Special Mention – A special mention loan has potential weaknesses that deserve management’s close attention. If left uncorrected, such potential weaknesses may result in deterioration of the repayment prospects or collateral position at some future date. Special mention loans are not adversely classified and do not warrant adverse classification.
Substandard – A substandard loan is inadequately protected by the current net worth and paying capacity of the obligor, or of the collateral pledged, if any. Loans classified as substandard generally have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt. These loans are characterized by the distinct possibility of loss if the deficiencies are not corrected.
Doubtful – A loan classified as doubtful has all the weaknesses inherent in a loan classified substandard with the added characteristic that the weaknesses make collection or liquidation in full highly questionable and improbable, on the basis of currently existing facts, conditions and values.
Loss – Loans classified as loss are considered uncollectible and of such little value that their continuing to be carried as a loan is not warranted. This classification is not necessarily equivalent to no potential for recovery or salvage value, but rather that it is not appropriate to defer a full write-off even though partial recovery may be effected in the future.





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, 2025. Also included in the table detailing loan balances are gross charge-offs for the three months ended March 31, 2025.
Term Loans By Origination Fiscal Year
March 31, 202520252024
2023-S(1)
20232022PriorRevolvingTotal
Construction and land development
Risk rating
Pass$20,637 $121,951 $37,272 $28,395 $22,032 $13,684 $3,568 $247,539 
Special mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful
— — — — — — — — 
Loss— — — — — — — — 
Total construction and land development$20,637 $121,951 $37,272 $28,395 $22,032 $13,684 $3,568 $247,539 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Commercial real estate – owner occupied
Risk rating
Pass$16,028 $55,368 $37,766 $67,159 $109,482 $262,196 $4,962 $552,961 
Special mention— — — 169 376 3,718 — 4,263 
Substandard— — 271 580 4,981 6,713 — 12,545 
Doubtful— — — — 371 10 — 381 
Loss— — — — — — — — 
Total commercial real estate – owner occupied$16,028 $55,368 $38,037 $67,908 $115,210 $272,637 $4,962 $570,150 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Commercial real estate – non-owner occupied
Risk rating
Pass$9,594 $71,198 $13,097 $105,764 $149,899 $479,501 $9,762 $838,815 
Special mention— — — — — 25,074 — 25,074 
Substandard— — — 2,591 — 1,231 — 3,822 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total commercial real estate – non-owner occupied$9,594 $71,198 $13,097 $108,355 $149,899 $505,806 $9,762 $867,711 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Multifamily
Risk rating
Pass$102 $15,118 $5,497 $6,524 $17,387 $73,115 $44 $117,787 
Special mention— — — — — 86 — 86 
Substandard— — — — — 221 — 221 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total multifamily$102 $15,118 $5,497 $6,524 $17,387 $73,422 $44 $118,094 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Total commercial real estate
Risk rating
Pass$46,361 $263,635 $93,632 $207,842 $298,800 $828,496 $18,336 $1,757,102 
Special mention— — — 169 376 28,878 — 29,423 
Substandard— — 271 3,171 4,981 8,165 — 16,588 
Doubtful— — — — 371 10 — 381 
Loss— — — — — — — — 
Total commercial real estate$46,361 $263,635 $93,903 $211,182 $304,528 $865,549 $18,336 $1,803,494 
Total current period gross charge-offs$— $— $— $— $— $— $— $— 
(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, 202520252024
2023-S(1)
20232022PriorRevolvingTotal
Commercial and industrial
Risk rating
Pass$19,662 $66,167 $37,511 $34,947 $32,224 $29,252 $120,728 $340,491 
Special mention— — — 408 385 3,429 134 4,356 
Substandard— — 279 174 1,477 1,674 124 3,728 
Doubtful
— — — 117 — 370 23 510 
Loss— — — — — — — — 
Total commercial and industrial$19,662 $66,167 $37,790 $35,646 $34,086 $34,725 $121,009 $349,085 
Current period gross charge-offs$— $— $— $17 $319 $— $— $336 
Equipment finance
Risk rating
Pass$14,655 $101,293 $58,117 $109,094 $57,640 $30,749 $— $371,548 
Special mention— 149 91 1,272 1,247 498 — 3,257 
Substandard— — — 100 332 336 — 768 
Doubtful— — 339 2,227 1,469 558 — 4,593 
Loss— — — — — — — — 
Total equipment finance$14,655 $101,442 $58,547 $112,693 $60,688 $32,141 $— $380,166 
Current period gross charge-offs$— $— $139 $387 $532 $216 $— $1,274 
Municipal leases
Risk rating
Pass$2,113 $31,357 $17,360 $22,969 $20,928 $68,827 $— $163,554 
Special mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total municipal leases$2,113 $31,357 $17,360 $22,969 $20,928 $68,827 $— $163,554 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Total commercial
Risk rating
Pass$36,430 $198,817 $112,988 $167,010 $110,792 $128,828 $120,728 $875,593 
Special mention— 149 91 1,680 1,632 3,927 134 7,613 
Substandard— — 279 274 1,809 2,010 124 4,496 
Doubtful— — 339 2,344 1,469 928 23 5,103 
Loss— — — — — — — — 
Total commercial$36,430 $198,966 $113,697 $171,308 $115,702 $135,693 $121,009 $892,805 
Total current period gross charge-offs$— $— $139 $404 $851 $216 $— $1,610 








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, 202520252024
2023-S(1)
20232022PriorRevolvingTotal
Construction and land development
Risk rating
Pass$2,361 $19,584 $6,613 $18,650 $6,288 $3,230 $— $56,726 
Special mention— — — — — — — — 
Substandard— — — — — 132 — 132 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total construction and land development$2,361 $19,584 $6,613 $18,650 $6,288 $3,362 $— $56,858 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
One-to-four family
Risk rating
Pass$13,940 $39,025 $24,159 $152,252 $148,326 $241,130 $5,762 $624,594 
Special mention— — — — — 322 — 322 
Substandard— 669 850 587 662 3,839 — 6,607 
Doubtful— — — — — 14 — 14 
Loss— — — — — — — — 
Total one-to-four family$13,940 $39,694 $25,009 $152,839 $148,988 $245,305 $5,762 $631,537 
Current period gross charge-offs$— $— $— $— $— $10 $— $10 
HELOCs
Risk rating
Pass$— $— $— $— $— $— $194,677 $194,677 
Special mention— — — — — — — — 
Substandard— — — — — — 5,070 5,070 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total HELOCs$— $— $— $— $— $— $199,747 $199,747 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Total residential real estate
Risk rating
Pass$16,301 $58,609 $30,772 $170,902 $154,614 $244,360 $200,439 $875,997 
Special mention— — — — — 322 — 322 
Substandard— 669 850 587 662 3,971 5,070 11,809 
Doubtful— — — — — 14 — 14 
Loss— — — — — — — — 
Total residential real estate$16,301 $59,278 $31,622 $171,489 $155,276 $248,667 $205,509 $888,142 
Total current period gross charge-offs$— $— $— $— $— $10 $— $10 
Term Loans By Origination Fiscal Year
March 31, 202520252024
2023-S(1)
20232022PriorRevolvingTotal
Total consumer
Risk rating
Pass$524 $3,816 $15,989 $28,796 $7,327 $6,256 $233 $62,941 
Special mention— — — — — — — — 
Substandard— 59 132 626 145 242 19 1,223 
Doubtful— — — 3 — 1 — 4 
Loss— — — — — — — — 
Total consumer$524 $3,875 $16,121 $29,425 $7,472 $6,499 $252 $64,168 
Total current period gross charge-offs$— $2 $45 $62 $37 $30 $— $176 







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, 2024. Also included in the table detailing loan balances are gross charge-offs for the year ended December 31, 2024.
Term Loans By Origination Fiscal Year
December 31, 20242024
2023-S(1)
202320222021PriorRevolvingTotal
Construction and land development
Risk rating
Pass$121,992 $42,548 $47,045 $43,534 $9,705 $6,501 $3,031 $274,356 
Special mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful
— — — — — — — — 
Loss— — — — — — — — 
Total construction and land development$121,992 $42,548 $47,045 $43,534 $9,705 $6,501 $3,031 $274,356 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Commercial real estate – owner occupied
Risk rating
Pass$54,032 $35,808 $64,558 $100,827 $78,902 $193,446 $5,131 $532,704 
Special mention— — 168 136 439 2,203 — 2,946 
Substandard— 273 683 1,337 465 6,531 — 9,289 
Doubtful— — — 526 — 25 — 551 
Loss— — — — — — — — 
Total commercial real estate – owner occupied$54,032 $36,081 $65,409 $102,826 $79,806 $202,205 $5,131 $545,490 
Current period gross charge-offs$— $— $77 $72 $— $208 $— $357 
Commercial real estate – non-owner occupied
Risk rating
Pass$71,321 $13,255 $97,479 $142,325 $173,674 $323,707 $9,482 $831,243 
Special mention— — 3,665 3,813 — 14,897 — 22,375 
Substandard— — 2,591 — — 9,885 — 12,476 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total commercial real estate – non-owner occupied$71,321 $13,255 $103,735 $146,138 $173,674 $348,489 $9,482 $866,094 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Multifamily
Risk rating
Pass$15,098 $5,501 $6,560 $19,010 $48,866 $25,071 $— $120,106 
Special mention— — — — — 87 — 87 
Substandard— — — — — 232 — 232 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total multifamily$15,098 $5,501 $6,560 $19,010 $48,866 $25,390 $— $120,425 
Current period gross charge-offs$— $— $— $— $— $10 $— $10 
Total commercial real estate
Risk rating
Pass$262,443 $97,112 $215,642 $305,696 $311,147 $548,725 $17,644 $1,758,409 
Special mention— — 3,833 3,949 439 17,187 — 25,408 
Substandard— 273 3,274 1,337 465 16,648 — 21,997 
Doubtful— — — 526 — 25 — 551 
Loss— — — — — — — — 
Total commercial real estate$262,443 $97,385 $222,749 $311,508 $312,051 $582,585 $17,644 $1,806,365 
Total current period gross charge-offs$— $— $77 $72 $— $218 $— $367 
(1)As previously announced, on July 24, 2023, the Board of Directors approved a change in the Company's fiscal year end from June 30 to December 31. "2023-S" represents the six-month transition period ended December 31, 2023. All subsequent periods are based on a calendar year end.
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, 20242024
2023-S(1)
202320222021PriorRevolvingTotal
Commercial and industrial
Risk rating
Pass$81,746 $27,568 $41,728 $34,692 $10,773 $21,995 $89,095 $307,597 
Special mention— — 129 380 82 2,925 145 3,661 
Substandard— 279 794 1,570 509 1,046 124 4,322 
Doubtful
— — 116 — — 440 23 579 
Loss— — — — — — — — 
Total commercial and industrial$81,746 $27,847 $42,767 $36,642 $11,364 $26,406 $89,387 $316,159 
Current period gross charge-offs$— $— $1,783 $704 $52 $1,089 $21 $3,649 
Equipment finance
Risk rating
Pass$106,904 $62,236 $121,131 $67,636 $29,043 $10,342 $— $397,292 
Special mention— 78 467 586 293 197 — 1,621 
Substandard— — — 2,919 — — — 2,919 
Doubtful— 430 1,967 1,520 487 108 — 4,512 
Loss— — — — — 56 — 56 
Total equipment finance$106,904 $62,744 $123,565 $72,661 $29,823 $10,703 $— $406,400 
Current period gross charge-offs$106 $177 $2,366 $3,435 $549 $379 $— $7,012 
Municipal leases
Risk rating
Pass$28,903 $18,181 $24,404 $22,402 $24,376 $47,718 $— $165,984 
Special mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total municipal leases$28,903 $18,181 $24,404 $22,402 $24,376 $47,718 $— $165,984 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Total commercial
Risk rating
Pass$217,553 $107,985 $187,263 $124,730 $64,192 $80,055 $89,095 $870,873 
Special mention— 78 596 966 375 3,122 145 5,282 
Substandard— 279 794 4,489 509 1,046 124 7,241 
Doubtful— 430 2,083 1,520 487 548 23 5,091 
Loss— — — — — 56 — 56 
Total commercial$217,553 $108,772 $190,736 $131,705 $65,563 $84,827 $89,387 $888,543 
Total current period gross charge-offs$106 $177 $4,149 $4,139 $601 $1,468 $21 $10,661 








17

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






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+TotalCurrent
March 31, 2025
Commercial real estate
Construction and land development$— $— $— $247,539 $247,539 
Commercial real estate – owner occupied7,659 2,219 9,878 560,272 570,150 
Commercial real estate – non-owner occupied3,822 — 3,822 863,889 867,711 
Multifamily— — — 118,094 118,094 
Total commercial real estate11,481 2,219 13,700 1,789,794 1,803,494 
Commercial
Commercial and industrial1,533 2,220 3,753 345,332 349,085 
Equipment finance7,692 1,376 9,068 371,098 380,166 
Municipal leases— — — 163,554 163,554 
Total commercial9,225 3,596 12,821 879,984 892,805 
Residential real estate
Construction and land development— 132 132 56,726 56,858 
One-to-four family1,015 1,026 2,041 629,496 631,537 
HELOCs613 3,424 4,037 195,710 199,747 
Total residential real estate1,628 4,582 6,210 881,932 888,142 
Consumer418 259 677 63,491 64,168 
Total loans$22,752 $10,656 $33,408 $3,615,201 $3,648,609 
Past DueTotal Loans
30-89 Days90 Days+TotalCurrent
December 31, 2024
Commercial real estate
Construction and land development$— $— $— $274,356 $274,356 
Commercial real estate – owner occupied654 1,432 2,086 543,404 545,490 
Commercial real estate – non-owner occupied— 959 959 865,135 866,094 
Multifamily— — — 120,425 120,425 
Total commercial real estate654 2,391 3,045 1,803,320 1,806,365 
Commercial
Commercial and industrial1,160 3,056 4,216 311,943 316,159 
Equipment finance4,714 4,140 8,854 397,546 406,400 
Municipal leases— — — 165,984 165,984 
Total commercial5,874 7,196 13,070 875,473 888,543 
Residential real estate
Construction and land development419 132 551 53,132 53,683 
One-to-four family3,429 1,633 5,062 625,329 630,391 
HELOCs1,935 2,754 4,689 190,599 195,288 
Total residential real estate5,783 4,519 10,302 869,060 879,362 
Consumer391 260 651 73,378 74,029 
Total loans$12,702 $14,366 $27,068 $3,621,231 $3,648,299 
On September 26, 2024, Hurricane Helene made landfall causing significant property damage across certain parts of the Company's market areas, particularly in Western North Carolina. In an effort to assist customers in their post-Hurricane Helene recovery and clean-up efforts, in the fourth quarter of the year ended December 31, 2024 we granted payment deferrals of up to six months to provide short-term relief to impacted customers. The outstanding balance of these deferrals was $109.9 million and $136.0 million at March 31, 2025 and December 31, 2024, respectively.



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, 2025.
March 31, 2025
December 31, 2024
90 Days+ &
Still Accruing as of March 31, 2025
Nonaccrual with No ACL as of March 31, 2025
Interest Income Recognized
Commercial real estate
Commercial real estate – owner occupied$8,583 $8,471 $— $7,429 $88 
Commercial real estate – non-owner occupied3,552 3,551 — 2,591 65 
Multifamily38 47 — — 1 
Total commercial real estate12,173 12,069 — 10,020 154 
Commercial
Commercial and industrial2,965 3,487 — 981 9 
Equipment finance5,065 4,666 — 113 46 
Total commercial8,030 8,153 — 1,094 55 
Residential real estate
Construction and land development132 132 — — — 
One-to-four family2,203 2,916 — — 30 
HELOCs4,033 3,990 — — 9 
Total residential real estate6,368 7,038 — — 39 
Consumer388 407 — — 7 
Total loans$26,959 $27,667 $— $11,114 $255 
The following tables present analyses of the ACL on loans by segment for the periods indicated below. In addition to the provision for credit losses on loans presented below, provisions of $740 and $20 for off-balance sheet credit exposures were recorded during the three months ended March 31, 2025 and 2024, respectively.
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 
Three Months Ended March 31, 2024
Commercial Real EstateCommercialResidential Real EstateConsumerTotal
Balance at beginning of period$20,323 $17,025 $9,285 $2,008 $48,641 
Provision (benefit) for credit losses(162)1,435 (149)21 1,145 
Charge-offs(208)(2,385)(20)(331)(2,944)
Recoveries— 545 41 74 660 
Net (charge-offs) recoveries(208)(1,840)21 (257)(2,284)
Balance at end of period$19,953 $16,620 $9,157 $1,772 $47,502 


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 collateral. The following tables provide a breakdown between loans identified as CDAs and non-CDAs, by segment and class, as well as collateral coverage for those loans as of the dates indicated below:
Type and Extent of Collateral Securing CDAsNon-CDAs
March 31, 2025Residential PropertyInvestment PropertyCommercial PropertyBusiness AssetsTotal
Commercial real estate
Construction and land development$— $— $— $— $247,539 $247,539 
Commercial real estate – owner occupied— — 6,904 — 563,246 570,150 
Commercial real estate – non-owner occupied— — 3,822 — 863,889 867,711 
Multifamily— — — — 118,094 118,094 
Total commercial real estate— — 10,726 — 1,792,768 1,803,494 
Commercial
Commercial and industrial— — — 1,152 347,933 349,085 
Equipment finance— — — 1,194 378,972 380,166 
Municipal leases— — — — 163,554 163,554 
Total commercial— — — 2,346 890,459 892,805 
Residential real estate
Construction and land development— — — — 56,858 56,858 
One-to-four family712 — — — 630,825 631,537 
HELOCs1,013 — — — 198,734 199,747 
Total residential real estate1,725 — — — 886,417 888,142 
Consumer— — — — 64,168 64,168 
Total$1,725 $— $10,726 $2,346 $3,633,812 $3,648,609 
Total collateral value$1,481 $— $14,682 $992 
Type and Extent of Collateral Securing CDAsNon-CDAs
December 31, 2024Residential PropertyInvestment PropertyCommercial PropertyBusiness AssetsTotal
Commercial real estate
Construction and land development$— $— $— $— $274,356 $274,356 
Commercial real estate – owner occupied— — 6,376 — 539,114 545,490 
Commercial real estate – non-owner occupied— — 3,820 — 862,274 866,094 
Multifamily— — — — 120,425 120,425 
Total commercial real estate— — 10,196 — 1,796,169 1,806,365 
Commercial
Commercial and industrial— — — 585 315,574 316,159 
Equipment finance— — — 717 405,683 406,400 
Municipal leases— — — — 165,984 165,984 
Total commercial— — — 1,302 887,241 888,543 
Residential real estate
Construction and land development— — — — 53,683 53,683 
One-to-four family— — — — 630,391 630,391 
HELOCs— — — — 195,288 195,288 
Total residential real estate— — — — 879,362 879,362 
Consumer— — — — 74,029 74,029 
Total$— $— $10,196 $1,302 $3,636,801 $3,648,299 
Total collateral value$— $— $13,938 $748 
Modifications to Borrowers Experiencing Financial Difficulty
The Company modifies loans to borrowers experiencing financial difficulty by providing principal forgiveness, a term extension, an other-than-insignificant payment delay or interest rate adjustments. In some cases, the Company provides multiple types of modifications on one loan. Typically, one type of modification, such as a term extension, is granted initially. If the borrower continues to experience financial difficulty, another modification, such as principal forgiveness, may be granted. For loans included in the combination columns in the table below, multiple types of modifications have been made on the same loan within the current reporting period.
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 that were both experiencing financial difficulty and modified during the periods indicated, by class and type of modification. The percentage of the amortized cost basis of loans that were modified to borrowers in financial difficulty as compared to the amortized cost basis of each class of financing receivable is also presented. The Hurricane Helene-related deferrals previously referenced did not meet this definition and, therefore, were not included.
Three Months Ended 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 $— $— 0.06 %
Three Months Ended March 31, 2024
Principal ForgivenessPayment DelayTerm ExtensionInterest Rate AdjustmentCombination Term Extension & Principal ForgivenessCombination Term Extension & Interest Rate Reduction% of Total Class of Financing Receivable
Commercial real estate
Commercial real estate – non-owner-occupied$— $956 $— $— $— $— 0.18 %
Commercial loans
Commercial and industrial— 1,378 — — — — 0.57 %
Total$— $2,334 $— $— $— $— 0.06 %
The following table presents the financial effect of the loan modifications presented above to borrowers experiencing financial difficulty for the period indicated below:
Three Months Ended March 31, 2025
Principal ForgivenessWeighted-Average Interest Rate ReductionWeighted-Average Term Extension (Years)
Commercial loans
Commercial and industrial$— 7.0 %10
The following table presents loans that had a payment default during the period indicated that had previously been modified within the prior twelve months. For purposes of this table, a loan is considered to be in default when it becomes 30 days contractually past due under the modified terms.
Three Months Ended 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 
There were no loans that had a payment default during the three months ended March 31, 2024 that had previously been modified within the prior twelve months.
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
22

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
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, 2025 and December 31, 2024, the ACL on off-balance sheet credit exposures included in other liabilities was $3,412 and $2,672, respectively.
6. Premises and Equipment
Premises and equipment as of the dates indicated consist of the following:
March 31, 2025December 31, 2024
Land$23,378 $25,818 
Office buildings68,090 75,450 
Furniture, fixtures and equipment19,432 19,880 
Total110,900 121,148 
Less: accumulated depreciation(48,553)(51,276)
Premises and equipment, net$62,347 $69,872 
The carrying balance of premises and equipment held for sale, at the lower of cost or fair value, was $8,240 and $616 at March 31, 2025 and December 31, 2024, respectively. The majority of the change can be traced to the reclassification of the $6,310 of premises and equipment associated with our two Knoxville, Tennessee branches, consistent with the announced sale of those locations expected to close in the second quarter of 2025.
Depreciation expense associated with premises and equipment was $925 and $911 for the three months ended March 31, 2025 and 2024, respectively.
7. Deposit Accounts
Deposit accounts at the dates indicated consist of the following:
March 31, 2025
December 31, 2024
Noninterest-bearing accounts$721,814 $680,926 
NOW accounts573,745 575,238 
Money market accounts1,357,961 1,341,995 
Savings accounts184,396 181,317 
Certificates of deposit898,444 999,727 
Total$3,736,360 $3,779,203 
As of March 31, 2025, an estimated $42,408 in customer deposit accounts are expected to be assumed by the purchaser of our two Knoxville, Tennessee branches. As noted above, the sale of those locations is expected to close in the second quarter of 2025.
Deposits received from executive officers, directors and their associates totaled approximately $1,404 and $1,223 at March 31, 2025 and December 31, 2024, respectively.
As of March 31, 2025, scheduled maturities of certificates of deposit were as follows:
Remainder of 2025$860,654 
202629,307 
20275,904 
20281,567 
2029690 
Thereafter322 
Total$898,444 
Certificates of deposit with balances of $250 or greater totaled $165,372 and $168,089 at March 31, 2025 and December 31, 2024, respectively. Generally, deposit amounts in excess of $250 are not federally insured.
8. Borrowings
Junior Subordinated Debentures
On February 21, 2007, Quantum formed a Connecticut statutory trust, Quantum Capital Statutory Trust II (the "Trust"), which issued $11,000 of trust preferred securities that were designed to qualify as Tier I capital under Federal Reserve Board guidelines. All of the common securities of the Trust were owned by Quantum. The proceeds from the issuance of the common securities and the trust preferred securities were used by the Trust to purchase $11,341 of junior subordinated debentures of Quantum. As a result of its merger with Quantum on February 12, 2023, HomeTrust became the 100% successor owner of the Trust.
The trust preferred securities accrue and pay quarterly distributions at a floating rate of 3-month Term SOFR plus 2.20%, which was 6.49% at March 31, 2025. The Company has guaranteed distributions and other payments due on the trust preferred securities to the extent the Trust has insufficient funds with which to make the distributions and other payments. The net combined effect of all documents entered into in
23

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
connection with the trust preferred securities is that the Company is liable to make the distributions and other payments required on the trust preferred securities.
The trust preferred securities are mandatorily redeemable upon maturity of the debentures on March 15, 2037, or upon earlier redemption as provided in the indenture. The debentures purchased by the Trust have been redeemable, in whole or in part, since March 15, 2012. As specified in the indenture, if the debentures are redeemed prior to maturity, the redemption price will be the principal amount and any accrued but unpaid interest.
Other Borrowings
Borrowings, outside of junior subordinated debt, consist of the following at the dates indicated:
March 31, 2025December 31, 2024
BalanceWeighted
Average Rate		BalanceWeighted
Average Rate
FRB advances (short-term)$177,000 4.50 %$188,000 4.50 %
All qualifying one-to-four family loans, HELOCs, commercial real estate loans, multifamily loans and FHLB of Atlanta stock are pledged as collateral to secure outstanding FHLB advances while commercial construction loans, indirect auto loans, and equipment and municipal leases are pledged as collateral to secure outstanding FRB advances. At March 31, 2025 and December 31, 2024, the Company had the ability to borrow $295,344 and $315,468, respectively, through additional FHLB advances and $97,955 and $106,592, respectively, through the unused portion of a line of credit with the FRB.
At both March 31, 2025 and December 31, 2024, the Company maintained revolving lines of credit with three unaffiliated banks, the unused portions of which totaled $165,000.
9. 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, 2025December 31, 2024
Supplemental balance sheet information
ROU assets$8,106 $8,072 
Lease liabilities$9,649 $9,557 
Weighted-average remaining lease terms (years)7.98.2
Weighted-average discount rate3.58 %3.48 %
The following schedule summarizes aggregate future minimum lease payments under these operating leases at March 31, 2025:
Remainder of 2025$1,355 
20261,814 
20271,839 
20281,652 
2029892 
Thereafter3,625 
Total undiscounted minimum lease payments11,177 
Less: amount representing interest(1,528)
Total lease liability$9,649 
The following table presents components of operating lease expense for the periods indicated:
Three Months Ended March 31,
20252024
Operating lease cost (included in occupancy expense, net)$391 $406 
Variable lease cost (included in occupancy expense, net)— 1 
Sublease income (included in other noninterest income)(43)(42)
Total operating lease expense, net$348 $365 
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,
2025
2024
ROU assets - noncash additions$448 $24 
Cash paid for amounts included in the measurement of lease liabilities378 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 $31,020 and $31,572 with a residual value of $13,959 and $13,662 as of March 31, 2025 and December 31, 2024, respectively.
The following schedule summarizes aggregate future minimum lease payments to be received at March 31, 2025:
Remainder of 2025$6,413 
20266,377 
20273,475 
20283,199 
20292,698 
Thereafter1,363 
Total of future minimum payments$23,525 
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, 2025 and 2024, interest income on equipment finance leases totaled $1,218 and $1,055, respectively.
The lease receivable component of finance lease net investment included within the equipment finance class of financing receivables was $71,922 and $70,420 at March 31, 2025 and December 31, 2024, respectively.
The following schedule summarizes, as of March 31, 2025, aggregate future minimum finance lease payments to be received:
Remainder of 2025$19,213 
202622,712 
202718,281 
202811,651 
20296,038 
Thereafter4,338 
Total undiscounted minimum lease payments82,233 
Less: amount representing interest(10,311)
Total lease receivable$71,922 
10.    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 below:
Three Months Ended March 31,
20252024
Share-based compensation expense$490 $413 
Tax benefit116 97 
The table below presents stock option activity and related information for the three months ended March 31, 2025 and 2024:
OptionsWeighted-Average Exercise PriceRemaining Contractual Life
(Years)		Aggregate
Intrinsic
Value
Options outstanding at December 31, 2023534,350 $25.85 4.6$776 
Exercised(10,000)15.80 
Options outstanding at March 31, 2024524,350 $26.04 4.5$848 
Exercisable at March 31, 2024475,380 $25.86 4.2$774 
Non-vested at March 31, 202448,970 $27.77 7.4$74 
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 
There were no options granted during the three months ended March 31, 2025 or 2024.
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. At March 31, 2024, the Company had $340 of unrecognized compensation expense related to 48,970 stock options originally scheduled to vest over a five-year period. The weighted average period over which compensation cost related to non-vested awards is expected to be recognized was 1.5 years at March 31, 2024.
The table below presents restricted stock award activity and related information:
Restricted
Stock Awards(1)
Performance-Based Restricted
Stock Units(2)
Weighted-
Average Grant
Date Fair Value		Aggregate
Intrinsic
Value
Non-vested at December 31, 2023106,143 25,001 $27.70 $3,530 
Granted56,480 15,899 26.58 
Vested(36,637)— 27.26 
Non-vested at March 31, 2024125,986 40,900 $27.31 $4,563 
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 
(1)Restricted stock awards are scheduled to vest over 1.0 year for director awards and 5.0 years for employee awards.
(2)Performance-based restricted stock units are scheduled to vest over 3.0 years assuming the applicable financial goals are met.
At 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. At March 31, 2024, unrecognized compensation expense was $3,966 related to 166,886 shares of restricted stock. The weighted average period over which compensation cost related to non-vested awards is expected to be recognized was 2.2 years at March 31, 2024.
26

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
11. Net Income per Share
The following is a reconciliation of the numerator and denominator of basic and diluted net income per common share for the periods indicated:
Three Months Ended March 31,
20252024
Numerator
Net income$14,539 $15,067 
Allocation of earnings to participating securities(165)(148)
Numerator for basic and diluted EPS - net income available to common stockholders$14,374 $14,919 
Denominator  
Weighted-average common shares outstanding - basic17,011,359 16,859,738 
Dilutive effect of assumed exercise of stock options102,065 13,102 
Weighted-average common shares outstanding - diluted17,113,424 16,872,840 
Net income per share - basic$0.84 $0.88 
Net income per share - diluted$0.84 $0.88 
Potential dilutive shares are excluded from the computation of earnings per share if their effect is anti-dilutive. There were 111,350 stock options that were anti-dilutive as of March 31, 2024. No options were anti-dilutive as of March 31, 2025.
12.    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, 2025December 31, 2024
Variable rate commitments$52,301 $56,922 
Fixed rate commitments(1)
21,172 28,096 
Total loan commitments$73,473 $85,018 
Range of fixed interest rates
 4.39% - 10.37%
4.14% - 10.25%
Undisbursed portions of construction loans
$193,051 $145,523 
Pre-approved but unused lines of credit(2)
$855,579 $712,274 
(1)Fixed rate commitments had terms ranging from three to 30 years as of each date presented.
(2)Principally second mortgage home equity loans and overdraft protection loans.
The commitments presented in the above table represent the Company’s exposure to credit risk and, in the opinion of management, have no more than the normal lending risk that the Company commits to its borrowers.
The Company has two types of commitments related to certain one-to-four family loans held for sale: rate lock commitments and forward loan commitments. Rate lock commitments are commitments to extend credit to a customer that has an interest rate lock and are considered derivative instruments. The rate lock commitments do not qualify for hedge accounting. In order to mitigate the risk from interest rate fluctuations, the Company enters into forward loan sale commitments such as TBAs, mandatory delivery commitments with investors, or best efforts forward sale commitments with investors. The fair value of these interest rate lock commitments was not material at March 31, 2025 or December 31, 2024.
Equity Investment Commitments – As of March 31, 2025, the Company had committed $32,000 across ten SBIC investments with $10,973 remaining to be drawn, while as of December 31, 2024, the Company had committed $28,000 across nine SBIC investments with $8,598 remaining to be drawn. Similarly, as of March 31, 2025, the Company had committed $10,000 towards a solar tax equity investment with $10,000 remaining to be drawn. No such commitment existed as of December 31, 2024. Although the remaining capital commitments may or may not be called in the future, under the terms of the associated agreements, the Company's exposure will not extend beyond the amount of the original commitments.
Guarantees – Standby letters of credit obligate the Company to meet certain financial obligations of its customers, if, under the contractual terms of the agreement, the customers are unable to do so. The financial standby letters of credit issued by the Company are irrevocable and payment is only guaranteed upon the borrower's failure to perform its obligations to the beneficiary. Total commitments under standby letters of credit as of March 31, 2025 and December 31, 2024 were $55,259 and $53,226, respectively. There was no liability recorded for these letters of credit at March 31, 2025 or December 31, 2024.
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
27

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
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.
13.    Fair Value of Financial Instruments
Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair values:
Level 1:    Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.
Level 2:    Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active or other inputs that are observable or can be corroborated by observable market data.
Level 3:    Significant unobservable inputs that reflect a company's own assumptions about the assumptions that market participants would use in pricing an asset or liability.
A financial instrument's level within the fair value hierarchy is based on the lowest level of any input that is significant to the fair value measurement. The following is a description of valuation methodologies used for assets recorded at fair value. As of both March 31, 2025 and December 31, 2024, the Company did not have any liabilities recorded at fair value.
The methods of determining the fair value of assets and liabilities presented in this note are consistent with the methodologies disclosed in Note 20 of the 2024 Form 10-K.
Financial Assets Recorded at Fair Value
The following table presents financial assets measured at fair value on a recurring basis at the dates indicated:
March 31, 2025
TotalLevel 1Level 2Level 3
Debt securities available for sale
MBS, residential$144,221 $— $144,221 $— 
Municipal bonds1,888 — 1,888 — 
Corporate bonds4,468 — 4,468 — 
Total debt securities available for sale$150,577 $— $150,577 $— 
Loans held for sale$2,175 $— $2,175 $— 
December 31, 2024
TotalLevel 1Level 2Level 3
Debt securities available for sale
MBS, residential$144,147 $— $144,147 $— 
Municipal bonds3,396 — 3,396 — 
Corporate bonds4,468 — 4,468 — 
Total debt securities available for sale$152,011 $— $152,011 $— 
Loans held for sale$4,144 $— $4,144 $— 
Debt securities available for sale are valued on a recurring basis at quoted market prices where available. If quoted market prices are not available, fair values are based on quoted prices of comparable securities. Level 1 securities include those traded on an active exchange, such as the New York Stock Exchange or U.S. Treasury securities that are traded by dealers or brokers in active over-the-counter markets and money market funds. Level 2 securities include MBS and debentures issued by GSEs, municipal bonds and corporate debt securities. The Company has no Level 3 securities.
Loans held for sale carried at fair value are valued at the individual loan level using quoted secondary market prices.
There were no transfers between levels during the three months ended March 31, 2025 or 2024.
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, 2025
TotalLevel 1Level 2Level 3
Collateral dependent loans
Commercial real estate loans
Commercial real estate – owner occupied$365 $— $— $365 
Commercial real estate – non-owner occupied546 — — 546 
Commercial loans
Commercial and industrial204 — — 204 
Equipment finance346 — — 346 
Total$1,461 $— $— $1,461 
December 31, 2024
TotalLevel 1Level 2Level 3
Collateral dependent loans
Commercial real estate loans
Commercial real estate – owner occupied$505 $— $— $505 
Commercial real estate – non-owner occupied546 — — 546 
Commercial loans
Commercial and industrial296 — — 296 
Equipment finance346 — — 346 
Total$1,693 $— $— $1,693 
A loan is considered to be collateral dependent when, based on current information and events, the Company expects repayment of the financial assets to be provided substantially through the operation or sale of the collateral and the Company has determined that the borrower is experiencing financial difficulty as of the measurement date. For real estate loans, the fair value of the loan's collateral is determined by a third-party appraisal, which is then adjusted for the estimated selling and closing costs related to liquidation of the collateral (typically ranging from 8% to 12% of the appraised value). For this asset class, the actual valuation methods (income, sales comparable or cost) vary based on the status of the project or property. Additional discounts of 5% to 15% may be applied depending on the age of the appraisals. The unobservable inputs may vary depending on the age of the appraisals. The unobservable inputs may vary depending on the individual asset with no one of the three methods being the predominant approach. For non-real estate loans, the fair value of the loan's collateral may be determined using an appraisal, net book value per the borrower's financial statements or aging reports, adjusted or discounted based on management's historical knowledge, changes in market conditions from the time of the valuation and management's expertise and knowledge of the customer and customer's business.
The stated carrying value and estimated fair value amounts of financial instruments as of March 31, 2025 and December 31, 2024 are summarized below:
 March 31, 2025
Carrying
Value		Fair
Value		Level 1Level 2Level 3
Assets
Cash and cash equivalents$299,825 $299,825 $299,825 $— $— 
Certificates of deposit in other banks25,806 25,806 — 25,806 — 
Debt securities available for sale, at fair value150,577 150,577 — 150,577 — 
Loans held for sale, at fair value2,175 2,175 2,175 — — 
Loans held for sale, at the lower of cost or fair value151,164 153,255 — — 153,255 
Loans, net3,603,867 3,510,464 — — 3,510,464 
Accrued interest receivable18,269 18,269 216 604 17,449 
Liabilities
Noninterest-bearing and NOW deposits1,295,559 1,295,559 — 1,295,559 — 
Money market accounts1,357,961 1,357,961 — 1,357,961 — 
Savings accounts184,396 184,396 — 184,396 — 
Certificates of deposit898,444 897,056 — 897,056 — 
Junior subordinated debt10,145 9,908 — 9,908 — 
Borrowings177,000 177,000 — 177,000 — 
Accrued interest payable6,950 6,950 — 6,950 — 
29

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
 December 31, 2024
Carrying
Value		Fair
Value		Level 1Level 2Level 3
Assets
Cash and cash equivalents$279,219 $279,219 $279,219 $— $— 
Certificates of deposit in other banks28,538 28,538 — 28,538 — 
Debt securities available for sale, at fair value152,011 152,011 — 152,011 — 
Loans held for sale, at fair value4,144 4,144 4,144 — — 
Loans held for sale, at the lower of cost or fair value202,018 204,122 — — 204,122 
Loans, net3,603,014 3,498,929 — — 3,498,929 
Accrued interest receivable18,336 18,336 65 701 17,570 
Liabilities
Noninterest-bearing and NOW deposits1,256,164 1,256,164 — 1,256,164 — 
Money market accounts1,341,995 1,341,995 — 1,341,995 — 
Savings accounts181,317 181,317 — 181,317 — 
Certificates of deposit999,727 998,856 — 998,856 — 
Junior subordinated debt10,120 9,914 — 9,914 — 
Borrowings188,000 188,000 — 188,000 — 
Accrued interest payable9,578 9,578 — 9,578 — 
The Company had off-balance sheet financial commitments, which included approximately $1,177,362 and $996,042 of commitments to originate loans, undisbursed portions of construction loans, unused lines of credit and standby letters of credit at March 31, 2025 and December 31, 2024, respectively (see "Note 12 – Commitments and Contingencies"). Since these commitments are based on current rates, the carrying amount approximates the fair value.
30

Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations
Forward-Looking Statements
Certain matters in this Form 10-Q constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements relate to our financial condition, results of operations, plans, objectives, future performance or business. Forward-looking statements are not statements of historical fact, but instead are based on certain assumptions and are generally identified by use of the words "believes," "expects," "anticipates," "estimates," "forecasts," "intends," "plans," "targets," "potentially," "probably," "projects," "outlook" or similar expressions or future or conditional verbs such as "may," "will," "should," "would" and "could." Forward-looking statements include statements with respect to our beliefs, plans, objectives, goals, expectations, assumptions and statements about future economic performance and projections of financial items. These forward-looking statements are subject to known and unknown risks, uncertainties and other factors that could cause actual results to differ materially from the results anticipated or implied by our forward-looking statements.
The factors that could result in material differentiation include, but are not limited to:
•the credit risks of lending activities, including changes in the level and trend of loan delinquencies and write offs and changes in our ACL and provision for credit losses that may be impacted by deterioration in the housing and commercial real estate markets;
•changes in general economic conditions, both nationally and in our market areas;
•the potential imposition of new or increased tariffs or changes to existing trade policies that could affect economic activity or specific industry sectors;
•natural disasters, including the lingering effects of Hurricane Helene;
•changes in the levels of general interest rates, and the relative differences between short- and long-term interest rates, deposit interest rates, our net interest margin and funding sources and the effects of inflation or a potential recession;
•fluctuations in the demand for loans, the number of unsold homes, land and other properties and fluctuations in real estate values in our market areas;
•decreases in the secondary market for the sale of loans that we originate;
•expected revenues, cost savings, synergies and other benefits from our merger and acquisition activities might not be realized to the extent anticipated, within the anticipated time frames, or at all, costs or difficulties relating to integration matters, including but not limited to customer and employee retention, might be greater than expected, and goodwill impairment charges might be incurred;
•results of examinations of us by the Federal Reserve, the NCCOB or other regulatory authorities, including the possibility that any such regulatory authority may, among other things, require us to increase our ACL, write-down assets, increase our regulatory capital position or affect our ability to borrow funds or maintain or increase deposits, which could adversely affect our liquidity and earnings;
•changes in laws or regulations, changes in regulatory policies and principles or the application or interpretation of laws and regulations by regulatory agencies and tax authorities, including changes in deferred tax asset and liability activity, and the interpretation of regulatory capital or other rules;
•the availability of resources to address changes in laws, rules or regulations, or to respond to regulatory actions;
•our ability to attract and retain deposits;
•our ability to access cost-effective funding and maintain sufficient liquidity;
•management's assumptions in determining the adequacy of the ACL;
•our ability to control operating costs and expenses, especially costs associated with our operation as a public company;
•the use of estimates in determining the fair value of certain assets, which estimates may prove to be incorrect and result in significant declines in valuation;
•difficulties in reducing risks associated with the loans on our balance sheet;
•staffing fluctuations in response to product demand or the implementation of corporate strategies that affect our workforce and potential associated charges;
•disruptions, security breaches or other adverse events, failures or interruptions in, or attacks on, our information technology systems or on the third-party vendors who perform several of our critical processing functions;
•our ability to retain key members of our senior management team;
•costs and effects of litigation, including settlements and judgments;
•the impact of bank failures or adverse developments involving other banks and related negative press about the banking industry in general on investor and depositor sentiment;
•increased competitive pressures among financial services companies;
•changes in consumer spending, borrowing and savings habits;
•adverse changes in the securities markets;
•inability of key third-party providers to perform their obligations to us;
•changes in accounting principles, policies or guidelines and practices, as may be adopted by the financial institution regulatory agencies, the Public Company Accounting Oversight Board or the FASB;
•other economic, competitive, governmental, regulatory and technological factors affecting our operations, pricing, products and services; and
•other risks detailed from time to time in documents we file with or furnish to the SEC, including this Form 10-Q.
Any forward-looking statements are based upon management’s beliefs and assumptions at the time they are made. We undertake no obligation to publicly update or revise any forward-looking statements included in this report or to update the reasons why actual results could differ from those contained in such statements, whether as a result of new information, future events or otherwise. In light of these risks, uncertainties and assumptions, the forward-looking statements discussed in this report might not occur and you should not put undue reliance on any forward-looking statements.
As used throughout this report, the terms “we,” “our,” “us,” “HomeTrust Bancshares” or the “Company” refer to HomeTrust Bancshares, Inc. and its consolidated subsidiaries, including HomeTrust Bank (“HomeTrust” or "Bank") unless the context indicates otherwise.
31

Overview
HomeTrust Bancshares, Inc., a Maryland corporation, was formed for the purpose of becoming the holding company for HomeTrust Bank in connection with the Bank’s conversion from mutual to stock form, which was completed on July 10, 2012. As a bank holding company and financial holding company, we are regulated by the Federal Reserve. At March 31, 2025, the Company had consolidated total assets of $4.6 billion, total deposits of $3.7 billion and stockholders' equity of $565.4 million. The Company has not engaged in any significant activity other than holding the stock of the Bank. Accordingly, the information set forth in this Form 10-Q, including the unaudited consolidated financial statements and related data, relates primarily to the Bank and its subsidiary. As a North Carolina state-chartered bank, and member of the FRB, the Bank's primary regulators are the NCCOB and the Federal Reserve. The Bank's deposits are federally insured up to applicable limits by the FDIC. The Bank is a member of the FHLB of Atlanta, which is one of the 11 regional banks in the FHLB System. Our headquarters is located in Asheville, North Carolina.
The Bank has over 30 locations across Georgia, North Carolina, South Carolina, Tennessee and Virginia, many of which are located in markets experiencing growth rates above the national average. Historically, our branches and facilities have primarily been located in small- to medium-sized communities, but in recent years we have implemented a strategy of expanding into larger, higher growth markets via business banking centers rather than retail-focused branches.
Our principal business consists of attracting deposits from the general public and investing those funds, along with borrowed funds, in commercial real estate loans, construction and development loans, commercial and industrial loans, equipment finance leases, municipal leases, loans secured by first and second mortgages on one-to-four family residences including home equity loans and other consumer loans. We also originate one-to-four family loans, SBA loans and HELOCs to sell to third-parties. In addition, we invest in debt securities issued by United States Government agencies and GSEs, municipal bonds, corporate bonds, commercial paper and certificates of deposit insured by the FDIC. We offer a variety of deposit accounts for individuals, businesses and nonprofit organizations.
Our primary source of pre-tax income is net interest income. Net interest income is the difference between interest income, which is the income that we earn on our loans and investments, and interest expense, which is the interest that we pay on our deposits and borrowings. Changes in levels of interest rates affect our net interest income. A secondary source of income is noninterest income, which includes revenue we receive from providing products and services including service charges and fees on deposit accounts, loan income and fees, gains on sale of loans held for sale, BOLI income and operating lease income.
An offset to net interest income is the provision for credit losses to establish the ACL at a level that provides for ECLs inherent in our loan portfolio, off balance sheet commitments and available for sale debt securities. See "Note 1 – Summary of Significant Accounting Policies" in Item 1 of our 2024 Form 10-K for further discussion.
Our noninterest expenses consist primarily of salaries and employee benefits, occupancy expenses, computer services, operating lease depreciation, marketing and FDIC deposit insurance premiums. Salaries and benefits consist primarily of the salaries and wages paid to our employees, payroll taxes, expenses for retirement and other employee benefits. Occupancy expenses, which are the fixed and variable costs of buildings and equipment, consist primarily of lease payments, property taxes, depreciation charges, maintenance and costs of utilities.
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.
Financial Highlights
For the quarter ended March 31, 2025 compared to the quarter ended December 31, 2024:
•net income was $14.5 million compared to $14.2 million;
•diluted EPS was $0.84 compared to $0.83;
•annualized ROA was 1.33% compared to 1.27%;
•annualized ROE was 10.52% compared to 10.32%;
•net interest margin was 4.18% compared to 4.09%;
•provision for credit losses was $1.5 million compared to a benefit of $855,000;
•quarterly cash dividends continued at $0.12 per share totaling $2.1 million for both periods; and
•14,800 shares of Company common stock were repurchased during the quarter at an average price of $33.64 compared to none in the prior quarter.
32

Three Months Ended
(Dollars in thousands)
March 31, 2025
December 31, 2024
Interest and dividend income$63,635 $66,198 
Interest expense20,728 22,993 
Net interest income42,907 43,205 
Provision for credit losses 1,540 (855)
Net interest income after provision for credit losses41,367 44,060 
Noninterest income8,027 8,243 
Noninterest expense30,961 34,009 
Income before income taxes18,433 18,294 
Income tax expense3,894 4,086 
Net income$14,539 $14,208 
Net income per common share(1)
Basic$0.84 $0.83 
Diluted0.84 0.83 
Cash dividends declared per common share0.12 0.12 
Book value per share at end of period32.21 31.48 
Tangible book value per share at end of period(2)
30.00 29.24 
Market price per share at end of period34.28 33.68 
(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.
GAAP Reconciliation of Non-GAAP Financial Measures
We believe the non-GAAP financial measures included within this report provide useful information to management and investors that is supplementary to our financial condition, results of operations and cash flows computed in accordance with US GAAP; however, we acknowledge that our non-GAAP financial measures have a number of limitations. The following reconciliation tables provide detailed analyses of these non-GAAP financial measures.
Set forth below is a reconciliation to US GAAP of tangible book value and tangible book value per share:
(Dollars in thousands, except per share data)March 31, 2025December 31, 2024March 31, 2024
Total stockholders' equity$565,449 $551,758 $513,173 
Less: goodwill, core deposit intangibles, net of taxes38,793 39,189 40,500 
Tangible book value$526,656 $512,569 $472,673 
Common shares outstanding17,552,626 17,527,709 17,444,787 
Book value per share$32.21 $31.48 $29.42 
Tangible book value per share$30.00 $29.24 $27.10 
Set forth below is a reconciliation to US GAAP of tangible equity to tangible assets:
(Dollars in thousands)March 31, 2025December 31, 2024March 31, 2024
Tangible equity(1)
$526,656 $512,569 $472,673 
Total assets4,558,060 4,595,430 4,684,011 
Less: goodwill, core deposit intangibles, net of taxes38,793 39,189 40,500 
Total tangible assets$4,519,267 $4,556,241 $4,643,511 
Tangible equity to tangible assets11.65 %11.25 %10.18 %
(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, 2025 and December 31, 2024
Net Income.  Net income totaled $14.5 million, or $0.84 per diluted share, for the three months ended March 31, 2025 compared to $14.2 million, or $0.83 per diluted share, for the three months ended December 31, 2024, an increase of $331,000, or 2.3%. Results for the three months ended March 31, 2025 benefited from a $3.0 million decrease in noninterest expense, partially offset by a $2.4 million increase in the provision for credit losses. 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, 2025
December 31, 2024
(Dollars in thousands)Average
Balance
Outstanding		Interest
Earned /
Paid		Yield /
Rate		Average
Balance
Outstanding		Interest
Earned /
Paid		Yield /
Rate
Assets
Interest-earning assets
Loans receivable(1)
$3,802,003$58,613 6.25 %$3,890,775$62,224 6.36 %
Debt securities available for sale152,6591,787 4.75 147,0231,621 4.39 
Other interest-earning assets(2)
206,2423,235 6.36 160,0642,353 5.85 
Total interest-earning assets4,160,90463,635 6.20 4,197,86266,198 6.27 
Other assets266,141263,750
Total assets$4,427,045$4,461,612
Liabilities and equity
Interest-bearing liabilities
Interest-bearing checking accounts$573,316$1,324 0.94 %$559,033$1,271 0.90 %
Money market accounts1,345,5759,177 2.77 1,343,60910,038 2.97 
Savings accounts183,35438 0.08 180,54640 0.09 
Certificate accounts951,7159,824 4.19 1,005,91411,225 4.44 
Total interest-bearing deposits3,053,96020,363 2.70 3,089,10222,574 2.91 
Junior subordinated debt10,129205 8.21 10,104223 8.87 
Borrowings12,301160 5.28 14,689196 5.31 
Total interest-bearing liabilities3,076,39020,728 2.73 3,113,89522,993 2.94 
Noninterest-bearing deposits719,522731,745
Other liabilities70,82168,261
Total liabilities3,866,7333,913,901
Stockholders' equity560,312547,711
Total liabilities and stockholders' equity$4,427,045$4,461,612
Net earning assets$1,084,514$1,083,967
Average interest-earning assets to average interest-bearing liabilities135.25 %134.81 %
Non-tax-equivalent
Net interest income$42,907 $43,205 
Interest rate spread3.47 %3.33 %
Net interest margin(3)
4.18 %4.09 %
Tax-equivalent(4)
Net interest income$43,325 $43,594 
Interest rate spread3.51 %3.37 %
Net interest margin(3)
4.22 %4.13 %
(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 $418 and $389 for the three months ended March 31, 2025 and December 31, 2024, respectively, calculated based on a combined federal and state tax rate of 24%.
Total interest and dividend income for the three months ended March 31, 2025 decreased $2.6 million, or 3.9%, compared to the three months ended December 31, 2024, which was driven by a $3.6 million, or 5.8%, decrease in loan interest income primarily due to a decline in the average balance, a decrease in accretion income on acquired loans of $881,000, or 73.3%, and fewer days in the current quarter. In addition, income on SBIC investments increased $452,000, or 54.0%, due to investment appreciation.
34

Total interest expense for the three months ended March 31, 2025 decreased $2.3 million, or 9.9%, compared to the three months ended December 31, 2024. The decrease was the result of a decline in the average balance of certificate accounts, specifically brokered deposits, a decline in the average cost of funds across funding categories, and fewer days in the current quarter.
The following table shows the effects that changes in average balances (volume), including the difference in the number of days in the periods compared, and average interest rates (rate) had on the interest earned on interest-earning assets and interest paid on interest-bearing liabilities:
Increase / (Decrease)
Due to		Total
Increase /
(Decrease)
(Dollars in thousands)VolumeRate
Interest-earning assets
Loans receivable$(2,559)$(1,052)$(3,611)
Debt securities available for sale27 139 166 
Other interest-earning assets616 266 882 
Total interest-earning assets(1,916)(647)(2,563)
Interest-bearing liabilities
Interest-bearing checking accounts7 46 53 
Money market accounts(164)(697)(861)
Savings accounts— (2)(2)
Certificate accounts(796)(605)(1,401)
Junior subordinated debt(3)(15)(18)
Borrowings(35)(1)(36)
Total interest-bearing liabilities(991)(1,274)(2,265)
Decrease in net interest income$(298)
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, 2025
December 31, 2024
$ Change% Change
Provision for credit losses
Loans$800 $(975)$1,775 182 %
Off-balance-sheet credit exposure740 120 620 517 
Total provision (benefit) for credit losses$1,540 $(855)$2,395 280 %
For the quarter ended March 31, 2025, the "loans" portion of the provision for credit losses was the result of the following, offset by net charge-offs of $1.3 million during the quarter:
•$0.6 million benefit driven by changes in the loan mix.
•The slight improvement in the projected economic forecast, specifically the national unemployment rate, was offset by changes in qualitative adjustments. Of note, we retained the $2.2 million qualitative allocation for the potential impact of Hurricane Helene upon our loan portfolio established in the quarter ended September 30, 2024.
•$0.1 million increase in specific reserves on individually evaluated loans.
For the quarter ended December 31, 2024, the "loans" portion of the provision for credit losses was the result of the following, offset by net charge-offs of $1.9 million during the quarter:
•$1.3 million benefit driven by changes in the loan mix and a $50.6 million decrease in the loan portfolio.
•$0.7 million benefit due to changes in the projected economic forecast, specifically the national unemployment rate, and changes in qualitative adjustments. Of note, we retained the $2.2 million qualitative allocation for the potential impact of Hurricane Helene upon our loan portfolio established in the prior quarter.
•$0.9 million decrease in specific reserves on individually evaluated credits.
For the quarter ended March 31, 2025, the amount recorded for off-balance-sheet credit exposure was the result of an increase in the balance of loan commitments and changes in the loan mix and projected economic forecast as outlined above. For the quarter ended December 31, 2024, the amount recorded for off-balance-sheet credit exposure was the result of a decrease in the balance of loan commitments and changes in the loan mix and projected economic forecast as outlined above.

35

Noninterest Income.  Noninterest income for the three months ended March 31, 2025 decreased $216,000, or 2.6%, when compared to the quarter ended December 31, 2024. Changes in the components of noninterest income are discussed below:
Three Months Ended
(Dollars in thousands)
March 31, 2025
December 31, 2024
$ Change% Change
Noninterest income
Service charges and fees on deposit accounts$2,244 $2,326 $(82)(4)%
Loan income and fees721 728 (7)(1)
Gain on sale of loans held for sale1,908 1,068 840 79 
BOLI income842 842 — — 
Operating lease income1,379 2,259 (880)(39)
Other933 1,020 (87)(9)
Total noninterest income$8,027 $8,243 $(216)(3)%
•Gain on sale of loans held for sale: The increase was primarily driven by HELOCs sold during the period. There were $89.4 million of HELOCs originated for sale which were sold during the current quarter with gains of $1.1 million compared to no sales in the prior quarter. There were $18.8 million of residential mortgage loans sold for a gain of $473,000 during the current quarter compared to $23.8 million sold with gains of $269,000 in the prior quarter. There were $4.6 million in sales of the guaranteed portion of SBA commercial loans with gains of $366,000 for the current quarter compared to $10.2 million sold and gains of $733,000 for the prior quarter. Our hedging of mandatory commitments on the residential mortgage loan pipeline resulted in a gain of $13,000 for the current quarter compared to a gain of $66,000 for the prior quarter.
•Operating lease income: The decrease was primarily the result of a $306,000 increase in losses incurred on the sale of, and a $529,000 increase in the valuation allowance against, previously leased equipment.
Noninterest Expense.  Noninterest expense for the three months ended March 31, 2025 decreased $3.0 million, or 9.0%, when compared to the three months ended December 31, 2024. Changes in the components of noninterest expense are discussed below:
Three Months Ended
(Dollars in thousands)
March 31, 2025
December 31, 2024
$ Change% Change
Noninterest expense
Salaries and employee benefits$17,699 $17,234 $465 3 %
Occupancy expense, net2,511 2,476 35 1 
Computer services2,805 3,110 (305)(10)
Operating lease depreciation expense1,868 2,068 (200)(10)
Telephone, postage and supplies546 541 5 1 
Marketing and advertising452 234 218 93 
Deposit insurance premiums511 556 (45)(8)
Core deposit intangible amortization515 567 (52)(9)
Contract renewal consulting fee— 2,965 (2,965)(100)
Other4,054 4,258 (204)(5)
Total noninterest expense$30,961 $34,009 $(3,048)(9)%
•Computer services: As noted below, in the prior quarter we finalized the multiyear renewal of our largest core processing contract. The decrease in expense quarter-over-quarter is a reflection of the improved vendor pricing negotiated through this effort.
•Marketing and advertising: The increase in expense was the result of a reduction in advertising in the prior quarter due to the election and holiday season.
•Contract renewal consulting fee: In the prior quarter we paid a fee to a consultant to negotiate the multiyear renewal of our largest core processing contract, with no similar fee in the current quarter.
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, 2025 and December 31, 2024 were 21.1% and 22.3%, respectively.
Comparison of Financial Condition at March 31, 2025 and December 31, 2024
General.  Total assets decreased by $37.4 million to $4.6 billion and total liabilities decreased by $51.1 million to $4.0 billion, respectively, at March 31, 2025 as compared to December 31, 2024. These changes can be traced to the use of loan sale proceeds and a $61.5 million increase in customer deposits to pay down brokered deposits by $104.3 million and borrowings by $11.0 million.
Cash and Cash Equivalents.  Total cash and cash equivalents increased $20.6 million, or 7.4%, to $299.8 million at March 31, 2025 from $279.2 million at December 31, 2024.
Debt Securities Available for Sale.  Debt securities available for sale decreased $1.4 million, or 0.9%, to $150.6 million at March 31, 2025 from $152.0 million at December 31, 2024.
Loans Held for Sale. Loans held for sale decreased $52.8 million, or 25.6%, to $153.3 million at March 31, 2025 from $206.2 million at December 31, 2024. This was driven by a decrease of $57.3 million, or 32.1%, in HELOCs held for sale, partially offset by a $4.1 million, or 17.8%, increase in SBA loans held for sale; primarily due to the sale of HELOCs during the current quarter, as discussed above.
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Loans, Net of Deferred Loan Fees and Costs.  Total loans increased $310,000, to $3.6 billion at March 31, 2025 as compared to the balance at December 31, 2024. The following table illustrates the changes within the portfolio:
As ofChangePercent of Total
March 31, 2025
December 31, 2024
March 31, 2025
December 31, 2024
(Dollars in thousands)$%
Commercial real estate loans
Construction and land development$247,539 $274,356 $(26,817)(10)%7 %8 %
Commercial real estate – owner occupied570,150 545,490 24,660 5 16 15 
Commercial real estate – non-owner occupied867,711 866,094 1,617 — 24 24 
Multifamily118,094 120,425 (2,331)(2)3 3 
Total commercial real estate loans1,803,494 1,806,365 (2,871)— 50 50 
Commercial loans
Commercial and industrial349,085 316,159 32,926 10 10 9 
Equipment finance380,166 406,400 (26,234)(6)10 11 
Municipal leases163,554 165,984 (2,430)(1)4 5 
Total commercial loans892,805 888,543 4,262 — 24 25 
Residential real estate loans
Construction and land development56,858 53,683 3,175 6 2 1 
One-to-four family631,537 630,391 1,146 — 17 17 
HELOCs199,747 195,288 4,459 2 5 5 
Total residential real estate loans888,142 879,362 8,780 1 24 23 
Consumer loans64,168 74,029 (9,861)(13)2 2 
Total loans, net of deferred loan fees and costs$3,648,609 $3,648,299 $310 — %100 %100 %
Asset Quality. Nonperforming assets, made up of nonaccrual loans and repossessed assets, decreased by $753,000, or 2.6%, to $28.0 million, or 0.61% of total assets, at March 31, 2025 compared to $28.8 million, or 0.63% of total assets, at December 31, 2024. Owner occupied commercial real estate ("CRE") made up the largest portion of nonperforming assets at $8.6 million and $8.5 million, respectively, at these same dates. One relationship made up $5.0 million of the totals at both dates but no loss is anticipated. In addition, equipment finance loans made up $5.1 million and $4.7 million, respectively, at these same dates, concentrated in the transportation sector. The ratio of nonperforming loans to total loans was 0.74% at March 31, 2025 compared to 0.76% at December 31, 2024.
The ratio of classified assets to total assets decreased to 0.89% at March 31, 2025 from 1.06% at December 31, 2024 as classified assets decreased $8.1 million, or 16.6%, to $40.7 million at March 31, 2025 compared to $48.8 million at December 31, 2024. The largest portfolios of classified assets at March 31, 2025 included $12.9 million of owner-occupied CRE loans, $6.6 million of 1-4 family residential real estate loans, $5.4 million of equipment finance loans, $4.2 million of commercial and industrial loans, $4.2 million of HELOCs, and $3.8 million of non-owner occupied CRE loans.
Lastly, in an effort to assist customers in their post-Hurricane Helene recovery and clean-up efforts, in the prior quarter we granted payment deferrals of up to six months to provide short-term relief to impacted customers. The outstanding balance of these deferrals declined from $136.0 million at December 31, 2024 to $109.9 million at March 31, 2025 and $36.6 million at May 5, 2025. The Company retained the prior quarter $2.2 million ACL allocation for the potential impact of the storm on this portion of our loan portfolio. To date, no charge-offs have been recognized which were directly related to Hurricane Helene.
Allowance for Credit Losses on Loans. The ACL on loans was $44.7 million, or 1.23% of total loans, at March 31, 2025 compared to $45.3 million, or 1.24% of total loans, at December 31, 2024. The drivers of this change are discussed in the "Comparison of Results of Operations for the Three Months Ended March 31, 2025 and December 31, 2024 – Provision for Credit Losses" section above.
Net loan charge-offs totaled $1.3 million for the three months ended March 31, 2025 compared to $1.9 million and $2.3 million for the three months ended December 31, 2024 and March 31, 2024, respectively. Annualized net charge-offs as a percentage of average loans were 0.14% for the three months ended March 31, 2025 as compared to 0.19% and 0.24% for the three months ended December 31, 2024 and March 31, 2024, respectively.
Premises and Equipment Held for Sale.  Premises and equipment held for sale increased by $7.6 million to $8.2 million at March 31, 2025 from $616,000 at December 31, 2024. The majority of the change can be traced to the reclassification of the $6.3 million of premises and equipment associated with our two Knoxville, Tennessee branches, consistent with the announced sale of those locations expected to close in the second quarter of 2025.
37

Deposits.  The following table summarizes the composition of our deposit portfolio as of the dates indicated:
(Dollars in thousands)
March 31, 2025
December 31, 2024$ Change% Change
Core deposits
Noninterest-bearing accounts$721,814 $680,926 $40,888 6 %
NOW accounts573,745 575,238 (1,493)— 
Money market accounts1,357,961 1,341,995 15,966 1 
Savings accounts184,396 181,317 3,079 2 
Total core deposits2,837,916 2,779,476 58,440 2 
Certificates of deposit898,444 999,727 (101,283)(10)
Total$3,736,360 $3,779,203 $(42,843)(1)%
Liquidity Management
Management maintains a liquidity position that it believes will adequately provide for funding of loan demand and deposit run-off that may occur in the normal course of business. We rely on a number of different sources in order to meet our potential liquidity demands. The primary sources are increases in deposit accounts, wholesale borrowings and cash flows from loan payments and the securities portfolio.
In addition to these primary sources of funds, management has several secondary sources available to meet potential funding requirements. All qualifying one-to-four family loans, HELOCs, commercial real estate loans, multifamily loans and FHLB of Atlanta stock are pledged as collateral to secure outstanding FHLB advances while commercial construction, indirect auto, and equipment and municipal leases are pledged as collateral to secure outstanding FRB advances. At March 31, 2025, the Company had the ability to borrow $295.3 million through additional FHLB advances and $98.0 million through the unused portion of a line of credit with the FRB. At this same date, the Company maintained revolving lines of credit with three unaffiliated banks, the unused portion of which totaled $165.0 million.
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, 2025, brokered deposits totaled $282.8 million, or 7.6% of total deposits.
Liquidity management is both a daily and long-term function of business management. Excess liquidity is generally invested in short-term investments, such as overnight deposits and federal funds. On a longer term basis, we maintain a strategy of investing in various lending products and debt securities, including MBS. On a stand-alone level we are a separate legal entity from the Bank and must provide for our own liquidity and pay our own operating expenses. Our primary source of funds consists of dividends or capital distributions from the Bank, although there are regulatory restrictions on the ability of the Bank to pay dividends. At March 31, 2025, we (on an unconsolidated basis) had liquid assets of $4.2 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, 2025, the total approved loan commitments and unused lines of credit outstanding amounted to $266.5 million and $855.6 million, respectively, as compared to $230.5 million and $712.3 million as of December 31, 2024. Certificates of deposit scheduled to mature in one year or less at March 31, 2025 totaled $874.7 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 12 – 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.
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At March 31, 2025, HomeTrust Bancshares, Inc. and the Bank each exceeded all regulatory capital requirements. Consistent with the Company's goals to operate a sound and profitable organization, its policy is for the Bank to maintain a “well-capitalized” status under the regulatory capital categories of the Federal Reserve. The Bank was categorized as "well-capitalized" at March 31, 2025 under applicable regulatory requirements.
HomeTrust Bancshares, Inc. and the Bank's actual and required minimum capital amounts and ratios are as follows:
 Regulatory Requirements
ActualMinimum for Capital
Adequacy Purposes		Minimum to Be
Well Capitalized
(Dollars in thousands)AmountRatioAmountRatioAmountRatio
HomeTrust Bancshares, Inc.
March 31, 2025
CET1 Capital (to risk-weighted assets)$525,904 13.00 %$181,997 4.50 %$262,884 6.50 %
Tier I Capital (to total adjusted assets)536,049 12.21 175,542 4.00 219,428 5.00 
Tier I Capital (to risk-weighted assets)536,049 13.25 242,662 6.00 323,549 8.00 
Total Risk-based Capital (to risk-weighted assets)584,678 14.46 323,549 8.00 404,437 10.00 
December 31, 2024      
CET1 Capital (to risk-weighted assets)$515,455 12.71 %$182,537 4.50 %$263,664 6.50 %
Tier I Capital (to total adjusted assets)525,575 11.88 176,978 4.00 221,222 5.00 
Tier I Capital (to risk-weighted assets)525,575 12.96 243,382 6.00 324,509 8.00 
Total Risk-based Capital (to risk-weighted assets)570,119 14.06 324,509 8.00 405,637 10.00 
HomeTrust Bank      
March 31, 2025      
CET1 Capital (to risk-weighted assets)$524,952 12.98 %$181,993 4.50 %$262,879 6.50 %
Tier I Capital (to total adjusted assets)524,952 11.97 175,468 4.00 219,335 5.00 
Tier I Capital (to risk-weighted assets)524,952 12.98 242,658 6.00 323,543 8.00 
Total Risk-based Capital (to risk-weighted assets)573,581 14.18 323,543 8.00 404,429 10.00 
December 31, 2024      
CET1 Capital (to risk-weighted assets)$516,762 12.74 %$182,528 4.50 %$263,652 6.50 %
Tier I Capital (to total adjusted assets)516,762 11.68 176,943 4.00 221,179 5.00 
Tier I Capital (to risk-weighted assets)516,762 12.74 243,371 6.00 324,494 8.00 
Total Risk-based Capital (to risk-weighted assets)561,306 13.84 324,494 8.00 405,618 10.00 
As permitted by the interim final rule issued on March 27, 2020 by the federal banking regulatory agencies, the Company elected the option to delay the estimated impact on regulatory capital of ASU 2016-13, which was adopted on July 1, 2020. The initial adoption of ASU 2016-13 as well as 25% of the quarterly increases in the ACL subsequent to adoption (collectively the “transition adjustments”) was delayed for two years. After two years, the cumulative amount of the transition adjustments became fixed and were phased out of the regulatory capital calculations evenly over a three-year period, with 75% recognized in year three, 50% recognized in year four, and 25% recognized in year five. Starting with the quarter ended March 31, 2025, the temporary regulatory capital benefits have been fully reversed.
In addition to the minimum CET1, Tier 1 and total risk-based capital ratios, both HomeTrust Bancshares, Inc. and the Bank have to maintain a capital conservation buffer consisting of additional CET1 capital of more than 2.50% above the required minimum levels in order to avoid limitations on paying dividends, engaging in share repurchases, and paying discretionary bonuses based on percentages of eligible retained income that could be utilized for such actions. As of March 31, 2025, the Company's and Bank's risk-based capital exceeded the required capital contribution buffer.
Dividends paid by HomeTrust Bank are limited, without prior regulatory approval, to current year earnings and earnings less dividends paid during the preceding two years.
Item 3. Quantitative and Qualitative Disclosures About Market Risk
There has not been any material change in the market risk disclosures contained in our 2024 Form 10-K.
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, 2025, was carried out under the supervision and with the participation of the Company's Chief Executive Officer, Chief Financial Officer and several other members of the Company's senior management. The Company's Chief Executive Officer and Chief Financial Officer concluded that the Company's disclosure controls and procedures in effect as of March 31, 2025, were effective in ensuring that the information required to be disclosed by the Company in the reports it files or submits under the Act is: (i) accumulated and communicated to the Company's management (including the Chief Executive Officer and Chief Financial Officer) in a timely manner and (ii) recorded, processed, summarized and reported within the time periods specified in the SEC's rules and forms.
The Company does not expect that its disclosure controls and procedures and internal control over financial reporting will prevent all errors and all fraud. A control procedure, no matter how well conceived and operated, can provide only reasonable, not absolute, assurance that the
39

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, 2025 that have materially affected, or are reasonably likely to materially affect, the Company’s internal control over financial reporting.
PART II. OTHER INFORMATION
Item 1. Legal Proceedings
The "Litigation" section of "Note 12 – Commitments and Contingencies" to the Consolidated Financial Statements included in Part I, Item 1 is incorporated herein by reference.
Item 1A. Risk Factors
There have been no material changes in the Risk Factors previously disclosed in Item 1A of the 2024 Form 10-K.
Item 2. Unregistered Sales of Equity Securities and Use of Proceeds
(a)    Not applicable
(b) Not applicable
(c) The following table provides information about repurchases of common stock by the Company during the quarter ended March 31, 2025:
PeriodTotal # of Shares PurchasedAverage Price Paid per ShareTotal # of Shares Purchased as Part of Publicly Announced PlansMaximum # of
Shares that May
Yet Be Purchased Under Publicly Announced Plans
January 1 - January 31, 2025— $— — 243,156 
February 1 - February 28, 2025— — — 243,156 
March 1 - March 31, 202514,800 33.64 14,800 228,356 
Total14,800 $33.64 14,800 228,356 
Over the years as a public company, the Company's Board of Directors has, from time to time, authorized the repurchase of its common stock. The most recent time this was done, on February 28, 2022, 806,000 shares of common stock were authorized for repurchase representing approximately 5% of the Company's outstanding shares at the time of the announcement. As of March 31, 2025, 577,644 of these shares had been purchased at an average price of $28.96 per share, 14,800 of which were repurchased during the three months ended March 31, 2025. The shares may be purchased in the open market or in privately negotiated transactions, from time to time depending upon market conditions and other factors.
Item 3. Defaults Upon Senior Securities
Nothing to report.
Item 4. Mine Safety Disclosures
Not applicable.
Item 5. Other Information
Trading Plans: During the quarter ended March 31, 2025, no director or officer (as defined in Rule 16a-1(f) under the Exchange Act) of the Company adopted or terminated a "Rule 10b5-1 trading arrangement" or "non-Rule 10b5-1 trading arrangement," as each term is defined in Item 408(a) of Regulation S-K.
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(a)
10.3(g)
10.3A(b)
40

Regulation
S-K Exhibit #		DocumentReference to Prior Filing or Exhibit # Attached Hereto
10.3B(h)
10.3C(o)
10.3D(e)
10.4(g)
10.4A(a)
10.5(d)
10.6(m)
10.7(l)
10.7A(d)
10.7B(d)
10.7C(d)
10.7D(d)
10.7E(d)
10.7F(d)
10.7G(d)
10.7H(d)
10.7I(i)
10.8(d)
10.8A(d)
10.8B(d)
10.8C(d)
10.8D(d)
10.8E(d)
10.8F(d)
10.8G(d)
10.9(d)
10.9A(m)
10.9B(m)
10.9C(r)
10.9D(t)
10.10(d)
10.10A(m)
10.11(d)
10.11A(m)
10.12(x)
10.13(j)
10.13A(k)
10.13B(k)
10.13C(k)
10.13D(k)
10.13E(k)
10.14(q)
10.14A(u)
10.14B(u)
10.14C(u)
41

Regulation
S-K Exhibit #		DocumentReference to Prior Filing or Exhibit # Attached Hereto
10.15(s)
10.16(r)
10.16A(a)
10.17(a)
10.18(p)
10.19(v)
10.20(c)
31.131.1
31.231.2
32.032.0
97(f)
101The following materials from HomeTrust Bancshares’ Annual Report on Form 10-K for the year ended December 31, 2024, formatted in Extensible Business Reporting Language (XBRL): (a) Consolidated Balance Sheets; (b) Consolidated Statements of Income; (c) Consolidated Statements of Comprehensive Income; (d) Consolidated Statements of Changes in Stockholders' Equity; (e) Consolidated Statements of Cash Flows; and (f) Notes to Consolidated Financial Statements.101
(a)Filed as an exhibit to HomeTrust Bancshares's Annual Report on Form 10-K for the fiscal year ended June 30, 2022 (File No. 001-35593).
(b)Filed as an exhibit to HomeTrust Bancshares's Current Report on Form 8-K filed on September 25, 2018 (File No. 001-35593).
(c)Filed as an exhibit to HomeTrust Bancshares's Quarterly Report on Form 10-Q for the quarter ended September 30, 2024 (File No. 001-35593).
(d)Filed as an exhibit to HomeTrust Bancshares's Registration Statement on Form S-1 filed on December 29, 2011 (File No. 333-178817).
(e)Filed as an exhibit to HomeTrust Bancshares's Current Report on Form 8-K filed on May 24, 2022 (File No. 001-35593).
(f)Filed as an exhibit to HomeTrust Bancshares's Transition Report on Form 10-KT for the-six month transition period ended December 31, 2023 (File No. 001-35593).
(g)Filed as an exhibit to HomeTrust Bancshares's Current Report on Form 8-K filed on September 11, 2018 (File No. 001-35593).
(h)Filed as an exhibit to HomeTrust Bancshares's Current Report on Form 8-K filed on October 28, 2020 (File No. 001-35593).
(i)Filed as an exhibit to Amendment No. 1 to HomeTrust Bancshares's Registration Statement on Form S-1 filed on March 9, 2012 (File No. 333-178817).
(j)Attached as Appendix A to HomeTrust Bancshares's definitive proxy statement filed on December 5, 2012 (File No. 001-35593).
(k)Filed as an exhibit to HomeTrust Bancshares's Registration Statement on Form S-8 filed on February 13, 2013 (File No. 333-186666).
(l)Filed as an exhibit to HomeTrust Bancshares's Current Report on Form 8-K filed on February 15, 2022 (File No. 001-35593).
(m)Filed as an exhibit to HomeTrust Bancshares's Quarterly Report on Form 10-Q for the quarter ended March 31, 2022 (File No. 001-35593).
(n)Filed as an exhibit to HomeTrust Bancshares's Annual Report on Form 10-K for the fiscal year ended December 31, 2024 (File No. 001-35593).
(o)Filed as an exhibit to HomeTrust Bancshares's Current Report on Form 8-K filed on July 28, 2021 (File No. 001-35593).
(p)Filed as an exhibit to HomeTrust Bancshares's Quarterly Report on Form 10-Q for the quarter ended September 30, 2023 (File No. 001-35593).
(q)Attached as Appendix A to HomeTrust Bancshares's definitive proxy statement filed on October 3, 2022 (File No. 001-35593).
(r)Filed as an exhibit to HomeTrust Bancshares's Quarterly Report on Form 10-Q for the quarter ended September 30, 2022 (File No. 001-35593).
(s)Filed as an exhibit to HomeTrust Bancshares's Annual Report on Form 10-K for the fiscal year ended June 30, 2023 (File No. 001-35593).
(t)Filed as an exhibit to HomeTrust Bancshares's Current Report on Form 8-K filed on August 28, 2023 (File No. 001-35593).
(u)Filed as an exhibit to HomeTrust Bancshares's Registration Statement on Form S-8 filed on February 6, 2023 (File No. 333-186666).
(v)Filed as an exhibit to HomeTrust Bancshares's Quarterly Report on Form 10-Q for the quarter ended June 30, 2024 (File No. 001-35593).
(w)Filed as an exhibit to HomeTrust Bancshares's Current Report on Form 8-K filed on February 11, 2025 (File No. 001-35593).
(x)Filed as an exhibit to HomeTrust Bancshares's Current Report on Form 8-K filed on April 1, 2025 (File No. 001-35593).


42

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 8, 2025By:/s/ C. Hunter Westbrook
C. Hunter Westbrook
President and Chief Executive Officer
(Duly Authorized Officer)
Date: May 8, 2025By:/s/ Tony J. VunCannon
Tony J. VunCannon
Executive Vice President, CFO, Corporate Secretary and Treasurer
(Principal Financial and Accounting Officer)

43

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