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)
33.87%
Change (1 year)
๐Ÿฆ Banks๐Ÿ’ณ Financial services
Categories
  1. HomeTrust Bancshares
  2. Quarterly Reports (10-Q)
  3. Financial Year FY2025 Q2

HomeTrust Bancshares - 10-Q quarterly report FY2025 Q2


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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 June 30, 2025

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

For the transition period from _______ to ________

Commission file number:     001-35593

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

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

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

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

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

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

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

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company” and "emerging growth company" in Rule 12b-2 of the Exchange Act.
Large accelerated filer ☐      
Accelerated filer ☒
Non-accelerated filer   ☐
Smaller reporting company ☐
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).  Yes ☐ No ☒
There were 17,500,943 shares of common stock, par value of $0.01 per share, issued and outstanding as of August 1, 2025.


HOMETRUST BANCSHARES, INC. AND SUBSIDIARIES
FORM 10-Q
TABLE OF CONTENTS
 Page
 
Item 1 
  
Consolidated Balance Sheets at June 30, 2025 (Unaudited) and December 31, 2024
3
  
Consolidated Statements of Income (Unaudited) for the Three and Six Months Ended June 30, 2025 and 2024
4
  
5
  
6
  
Consolidated Statements of Cash Flows (Unaudited) for the Six Months Ended June 30, 2025 and 2024
8
  
Notes to Consolidated Financial Statements
10
  
Item 2
34
  
Item 3
45
  
Item 4
45
  
 
  
Item 1
46
  
Item 1A
46
  
Item 2
46
  
Item 3
46
  
Item 4
46
  
Item 5
46
  
Item 6
46
  
49

1

Glossary of Defined Terms
The following terms may be used throughout this Form 10-Q, including the Notes to Consolidated Financial Statements in Item 1 and Management's Discussion and Analysis of Financial Condition and Results of Operations in Item 2 of this Form 10-Q.
TermDefinition
ACLAllowance for Credit Losses
AFSAvailable-For-Sale
ASCAccounting Standards Codification
ASUAccounting Standards Update
BOLIBank Owned Life Insurance
CD
Certificate of Deposit
CDACollateral Dependent Asset
CECLCurrent Expected Credit Losses
CET1
Common Equity Tier 1
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)
June 30, 2025December 31, 2024
Assets
Cash$16,662 $18,778 
Interest-bearing deposits280,547 260,441 
Cash and cash equivalents297,209 279,219 
Certificates of deposit in other banks23,319 28,538 
Debt securities available for sale, at fair value (amortized cost of $144,301 and $154,199 at June 30, 2025 and December 31, 2024, respectively)
143,942 152,011 
FHLB and FRB stock15,263 13,630 
SBIC investments17,720 15,117 
Loans held for sale, at fair value1,106 4,144 
Loans held for sale, at the lower of cost or fair value169,835 202,018 
Loans, net of deferred loan fees and costs3,671,951 3,648,299 
Allowance for credit losses – loans(44,139)(45,285)
Loans, net3,627,812 3,603,014 
Premises and equipment, at the lower of cost or fair value616 616 
Premises and equipment, net62,706 69,872 
Accrued interest receivable16,554 18,336 
Deferred income taxes, net9,968 10,735 
BOLI92,576 90,868 
Goodwill34,111 34,111 
Core deposit intangibles, net5,670 6,595 
Other assets59,646 66,606 
Total assets$4,578,053 $4,595,430 
Liabilities and stockholders' equity  
Liabilities  
Deposits$3,666,178 $3,779,203 
Junior subordinated debt10,170 10,120 
Borrowings265,000 188,000 
Other liabilities57,431 66,349 
Total liabilities3,998,779 4,043,672 
Commitments and contingencies – See Note 13
Stockholders' equity  
Preferred stock, $0.01 par value, 10,000,000 shares authorized, none issued or outstanding
— — 
Common stock, $0.01 par value, 60,000,000 shares authorized, 17,492,143 shares issued and outstanding at June 30, 2025; 17,527,709 at December 31, 2024
175 175 
Additional paid in capital174,900 176,693 
Retained earnings408,178 380,541 
Unearned ESOP shares(3,703)(3,966)
Accumulated other comprehensive loss(276)(1,685)
Total stockholders' equity579,274 551,758 
Total liabilities and stockholders' equity$4,578,053 $4,595,430 
The accompanying notes are an integral part of these consolidated financial statements.
3

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Consolidated Statements of Income
(Dollars in thousands, except per share data)
(Unaudited)(Unaudited)
Three Months Ended June 30,Six Months Ended June 30,
2025202420252024
Interest and dividend income
Loans$60,440 $62,161 $119,053 $122,113 
Debt securities available for sale1,658 1,495 3,445 2,808 
Other investments and interest-bearing deposits1,543 1,758 4,778 3,848 
Total interest and dividend income63,641 65,414 127,276 128,769 
Interest expense   
Deposits18,856 21,403 39,219 41,456 
Junior subordinated debt206 234 411 470 
Borrowings350 1,331 510 2,902 
Total interest expense19,412 22,968 40,140 44,828 
Net interest income44,229 42,446 87,136 83,941 
Provision for credit losses1,303 4,260 2,843 5,425 
Net interest income after provision for credit losses42,926 38,186 84,293 78,516 
Noninterest income   
Service charges and fees on deposit accounts2,502 2,354 4,746 4,503 
Loan income and fees548 647 1,269 1,325 
Gain on sale of loans held for sale2,109 1,828 4,017 3,285 
BOLI income852 807 1,694 2,642 
Operating lease income1,876 1,591 3,255 3,450 
Gain on sale of branches1,448 — 1,448 — 
Gain (loss) on sale of premises and equipment28 — 28 (9)
Other794 886 1,727 1,728 
Total noninterest income10,157 8,113 18,184 16,924 
Noninterest expense   
Salaries and employee benefits18,208 16,608 35,907 33,584 
Occupancy expense, net2,375 2,419 4,886 4,856 
Computer services2,488 3,116 5,293 6,204 
Operating lease depreciation expense1,789 1,922 3,657 3,565 
Telephone, postage and supplies561 580 1,107 1,165 
Marketing and advertising442 606 894 1,251 
Deposit insurance premiums473 531 984 1,085 
Core deposit intangible amortization411 567 926 1,329 
Other4,508 4,141 8,562 7,580 
Total noninterest expense31,255 30,490 62,216 60,619 
Income before income taxes21,828 15,809 40,261 34,821 
Income tax expense4,618 3,391 8,512 7,336 
Net income$17,210 $12,418 $31,749 $27,485 
Per share data   
Net income per common share    
Basic$1.01 $0.73 $1.85 $1.61 
Diluted$1.00 $0.73 $1.84 $1.61 
Average shares outstanding    
Basic17,006,141 16,883,028 17,008,699 16,871,383 
Diluted17,106,448 16,904,098 17,109,842 16,888,550 
The accompanying notes are an integral part of these consolidated financial statements.
4

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Consolidated Statements of Comprehensive Income
(Dollars in thousands)
(Unaudited)(Unaudited)
Three Months Ended June 30,Six Months Ended June 30,
 2025202420252024
Net income$17,210 $12,418 $31,749 $27,485 
Other comprehensive income (loss)   
Unrealized holding gains (losses) on debt securities available for sale    
Gains (losses) arising during the period420 (278)1,829 (1,063)
Deferred income tax (expense) benefit(96)64 (420)245 
Total other comprehensive income (loss)324 (214)1,409 (818)
Comprehensive income$17,534 $12,204 $33,158 $26,667 
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 June 30, 2025
Common StockAdditional
Paid In
Capital		Retained
Earnings		Unearned
ESOP
Shares		Accumulated
Other
Comprehensive Loss		Total
Stockholders'
Equity
SharesAmount
Balance at March 31, 202517,552,626 $176 $176,682 $393,026 $(3,835)$(600)$565,449 
Net income— — — 17,210 — — 17,210 
Cash dividends declared on common stock, $0.12/common share
— — — (2,058)— — (2,058)
Common stock repurchased(78,412)(1)(2,830)— — — (2,831)
Forfeited restricted stock(1,088)— — — — — — 
Retired stock(427)— (15)— — — (15)
Granted restricted stock10,044 — — — — — — 
Exercised stock options9,400 — 235 — — — 235 
Share-based compensation expense— — 496 — — — 496 
ESOP compensation expense— — 332 — 132 — 464 
Other comprehensive income— — — — — 324 324 
Balance at June 30, 202517,492,143 $175 $174,900 $408,178 $(3,703)$(276)$579,274 
(Unaudited)
Three Months Ended June 30, 2024
Common StockAdditional
Paid In
Capital		Retained
Earnings		Unearned
ESOP
Shares		Accumulated
Other
Comprehensive
Loss		Total
Stockholders'
Equity
SharesAmount
Balance at March 31, 202417,444,787 $175 $172,919 $346,598 $(4,364)$(2,155)$513,173 
Net income— — — 12,418 — — 12,418 
Cash dividends declared on common stock, $0.11/common share
— — — (1,869)— — (1,869)
Common stock repurchased(23,483)— (645)— — — (645)
Granted restricted stock16,022 — — — — — — 
Share-based compensation expense— — 409 — — — 409 
ESOP compensation expense— — 224 — 132 — 356 
Other comprehensive loss— — — — — (214)(214)
Balance at June 30, 202417,437,326 $175 $172,907 $357,147 $(4,232)$(2,369)$523,628 
The accompanying notes are an integral part of these consolidated financial statements.







6

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Consolidated Statements of Changes in Stockholders' Equity
(Dollars in thousands)
(Unaudited)
Six Months Ended June 30, 2025
Common StockAdditional
Paid In
Capital		Retained
Earnings		Unearned
ESOP
Shares		Accumulated
Other
Comprehensive
Income (Loss)		Total
Stockholders'
Equity
SharesAmount
Balance at December 31, 2024
17,527,709 $175 $176,693 $380,541 $(3,966)$(1,685)$551,758 
Net income— — — 31,749 — — 31,749 
Cash dividends declared on common stock, $0.24/common share
— — — (4,112)— — (4,112)
Common stock repurchased(93,212)(1)(3,333)— — — (3,334)
Forfeited restricted stock(3,621)— — — — — — 
Retired stock(11,762)— (442)— — — (442)
Granted restricted stock59,329 — — — — — — 
Exercised stock options13,700 1 330 — — — 331 
Share-based compensation expense— — 986 — — — 986 
ESOP compensation expense— — 666 — 263 — 929 
Other comprehensive income— — — — — 1,409 1,409 
Balance at June 30, 202517,492,143 $175 $174,900 $408,178 $(3,703)$(276)$579,274 
(Unaudited)
Six Months Ended June 30, 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— — — 27,485 — — 27,485 
Cash dividends declared on common stock, $0.22/common share
— — — (3,739)— — (3,739)
Common stock repurchased(23,483)— (645)— — — (645)
Retired stock(8,762)— (233)— — — (233)
Granted restricted stock72,502 — — — — — — 
Exercised stock options10,000 1 158 — — — 159 
Share-based compensation expense— — 822 — — — 822 
ESOP compensation expense— — 439 — 265 — 704 
Other comprehensive loss— — — — — (818)(818)
Balance at June 30, 202417,437,326 $175 $172,907 $357,147 $(4,232)$(2,369)$523,628 
The accompanying notes are an integral part of these consolidated financial statements.




7

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Consolidated Statements of Cash Flows
(Dollars in thousands)
(Unaudited)
Six Months Ended June 30,
 20252024
Operating activities
Net income$31,749 $27,485 
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Provision for credit losses2,843 5,425 
Depreciation and amortization of premises and equipment and equipment for operating leases5,612 5,562 
Deferred income tax expense347 1,528 
Net accretion of purchase accounting adjustments on loans(1,343)(1,393)
Net amortization and accretion2,610 3,207 
SBIC investments income(1,561)(604)
Gain on sale of branches(1,448)— 
Loss (gain) on sale of premises and equipment(28)9 
Loss on repossessed assets275 — 
Loss on previously leased equipment1,103 787 
BOLI income(1,694)(2,642)
Gain on sale of loans held for sale(4,017)(3,285)
Origination of loans held for sale(231,120)(139,054)
Proceeds from sales of loans held for sale263,374 106,824 
New deferred loan origination fees, net(571)(1,302)
Decrease (increase) in accrued interest receivable and other assets4,391 (4,517)
Share-based compensation expense986 822 
ESOP compensation expense929 704 
Decrease in accrued interest payable and other liabilities(9,576)(2,668)
Net cash provided by (used in) operating activities62,861 (3,112)
Investing activities  
Purchase of debt securities available for sale(6,872)(27,475)
Proceeds from maturities, calls and paydowns of debt securities available for sale17,426 19,778 
Purchases of CDs in other banks(1,742)(2,485)
Proceeds from maturities of CDs in other banks6,961 5,076 
Net purchases of FHLB and FRB stock(1,633)(1,244)
Net capital contributions in SBIC investments(1,042)(1,069)
Net increase in loans(20,433)(54,713)
Purchase of BOLI(14)(11)
Proceeds from redemption of BOLI policies2,174 43,584 
Death benefit proceeds from BOLI policies— 2,363 
Purchase of equipment for operating leases - lessor(2,550)(10,441)
Proceeds from sale of equipment for operating leases - lessor731 4,912 
Purchase of premises and equipment(2,363)(811)
Proceeds from sale of premises and equipment and assets held for sale7,652 — 
Proceeds from sale of repossessed assets416 — 
Net cash used in investing activities(1,289)(22,536)











8

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Consolidated Statements of Cash Flows (continued)
(Dollars in thousands)
(Unaudited)
Six Months Ended June 30,
 20252024
Financing activities  
Deposits assumed by third parties through branch sales(34,252)— 
Net increase (decrease) in deposits(78,773)46,406 
Net decrease in revolving line of credit— (6,250)
Net increase (decrease) in short-term borrowings77,000 (63,000)
Common stock repurchased(3,334)(645)
Cash dividends paid(4,112)(3,739)
Retired stock(442)(233)
Exercised stock options331 159 
Net cash used in financing activities(43,582)(27,302)
Net increase (decrease) in cash and cash equivalents17,990 (52,950)
Cash and cash equivalents at beginning of period279,219 347,140 
Cash and cash equivalents at end of period$297,209 $294,190 
Supplemental disclosures
Cash paid during the period for
Interest$45,326 $43,014 
Income taxes10,239 10,291 
Noncash transactions  
Unrealized gain (loss) in value of debt securities available for sale, net of income taxes$1,409 $(818)
Transfers of loans held for sale to loans held for investment7,311 11,283 
Transfers of loans held for investment to repossessed assets273 — 
Transfer of premises and equipment to assets held for sale7,624 — 
ROU asset and lease liabilities for operating lease accounting448 — 
The accompanying notes are an integral part of these consolidated financial statements.
9

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

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
4.    Debt Securities
Debt securities available for sale consist of the following at the dates indicated:
June 30, 2025
Amortized
Cost		Gross
Unrealized
Gains		Gross
Unrealized
Losses		Estimated
Fair
Value
MBS, residential$137,384 $1,535 $(1,334)$137,585 
Municipal bonds1,917 — (32)1,885 
Corporate bonds5,000 — (528)4,472 
Total$144,301 $1,535 $(1,894)$143,942 
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)$152,011 
Debt securities available for sale by contractual maturity at June 30, 2025 and December 31, 2024 are shown below. MBS are not included in the maturity categories because the borrowers in the underlying pools may prepay without penalty; therefore, it is unlikely that the securities will pay at their stated maturity schedule.
 June 30, 2025
Amortized
Cost		Estimated
Fair Value
Due within one year$— $— 
Due after one year through five years1,917 1,885 
Due after five years through ten years5,000 4,472 
Due after ten years— — 
MBS, residential137,384 137,585 
Total$144,301 $143,942 
 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 six months ended June 30, 2025 or 2024.
Debt securities available for sale with amortized costs totaling $29,036 and $24,718 and market values of $28,889 and $24,358 at June 30, 2025 and December 31, 2024, respectively, were pledged as collateral to secure various public deposits and other borrowings.

11

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
The gross unrealized losses and the fair value for debt securities available for sale aggregated by the length of time that individual securities have been in a continuous unrealized loss position as of June 30, 2025 and December 31, 2024 were as follows:
June 30, 2025
Less than 12 Months12 Months or MoreTotal
Fair
Value		Unrealized
Losses		Fair
Value		Unrealized
Losses		Fair
Value		Unrealized
Losses
MBS, residential$9,067 $(78)$51,154 $(1,256)$60,221 $(1,334)
Municipal bonds— — 1,885 (32)1,885 (32)
Corporate bonds— — 3,722 (528)3,722 (528)
Total$9,067 $(78)$56,761 $(1,816)$65,828 $(1,894)
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 June 30, 2025 and December 31, 2024 were 135 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 June 30, 2025 continue to perform as scheduled and management does not believe that there is a credit loss or that a provision for credit losses is necessary. Also, as part of management's evaluation of its intent and ability to hold investments for a period of time sufficient to allow for any anticipated recovery in the market, management considers its investment strategy, cash flow needs, liquidity position, capital adequacy and interest rate risk position. Management does not currently intend to sell the securities within the portfolio and it is not more-likely-than-not that securities will be required to be sold. See "Note 1 – Summary of Significant Accounting Policies" in our 2024 Form 10-K for further discussion.
Management continues to monitor all of its securities with a high degree of scrutiny. There can be no assurance that management will not conclude in future periods that conditions existing at that time indicate some or all of its securities may be sold or would require a charge to earnings as a provision for credit losses in such periods.
Management excludes the accrued interest receivable balance from the amortized cost basis in measuring ECLs on investment securities and does not record an ACL on accrued interest receivable. As of June 30, 2025 and December 31, 2024, the accrued interest receivable for debt securities available for sale was $548 and $606, respectively.
5.    Loans Held For Sale
Loans held for sale, at the lower of cost or fair value, consist of the following as of the dates indicated:
June 30, 2025December 31, 2024
One-to-four family$3,148 $408 
SBA27,042 22,867 
HELOCs139,645 178,743 
Total loans held for sale, at the lower of cost or fair value$169,835 $202,018 
The carrying balance of loans held for sale, at fair value, was $1,106 and $4,144 at June 30, 2025 and December 31, 2024, respectively, while the amortized cost of these loans was $1,104 and $4,062, respectively, at the same dates.
12

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
6.    Loans and Allowance for Credit Losses on Loans
Loans consist of the following at the dates indicated(1):
June 30, 2025December 31, 2024
Commercial real estate
Construction and land development$267,494 $274,356 
Commercial real estate – owner occupied561,623 545,490 
Commercial real estate – non-owner occupied877,440 866,094 
Multifamily113,416 120,425 
Total commercial real estate1,819,973 1,806,365 
Commercial
Commercial and industrial367,359 316,159 
Equipment finance360,499 406,400 
Municipal leases168,623 165,984 
Total commercial896,481 888,543 
Residential real estate
Construction and land development53,020 53,683 
One-to-four family640,287 630,391 
HELOCs205,918 195,288 
Total residential real estate899,225 879,362 
Consumer56,272 74,029 
Total loans, net of deferred loan fees and costs3,671,951 3,648,299 
Allowance for credit losses - loans(44,139)(45,285)
Loans, net$3,627,812 $3,603,014 
(1)    At June 30, 2025 and December 31, 2024 accrued interest receivable of $15,893 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 June 30, 2025 or December 31, 2024. In relation to these loans, unfunded commitments totaled approximately $3 at both June 30, 2025 and December 31, 2024, respectively.
Loans are monitored for credit quality on a recurring basis and the composition of the loans outstanding by credit quality indicator is provided below. Loan credit quality indicators are developed through review of individual borrowers on an ongoing basis. Generally, loans are monitored for performance on a quarterly basis with the credit quality indicators adjusted as needed. The indicators represent the rating for loans as of the date presented based on the most recent assessment performed. These credit quality indicators are defined as follows:
Pass – A pass rated loan is not adversely classified because it does not display any of the characteristics for adverse classification.
Special Mention – A special mention loan has potential weaknesses that deserve management’s close attention. If left uncorrected, such potential weaknesses may result in deterioration of the repayment prospects or collateral position at some future date. Special mention loans are not adversely classified and do not warrant adverse classification.
Substandard – A substandard loan is inadequately protected by the current net worth and paying capacity of the obligor, or of the collateral pledged, if any. Loans classified as substandard generally have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt. These loans are characterized by the distinct possibility of loss if the deficiencies are not corrected.
Doubtful – A loan classified as doubtful has all the weaknesses inherent in a loan classified substandard with the added characteristic that the weaknesses make collection or liquidation in full highly questionable and improbable, on the basis of currently existing facts, conditions and values.
Loss – Loans classified as loss are considered uncollectible and of such little value that their continuing to be carried as a loan is not warranted. This classification is not necessarily equivalent to no potential for recovery or salvage value, but rather that it is not appropriate to defer a full write-off even though partial recovery may be effected in the future.





13

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
The following table presents the credit risk profile by risk grade for commercial real estate, commercial, residential real estate and consumer loans by origination year as of June 30, 2025. Also included in the table detailing loan balances are gross charge-offs for the six months ended June 30, 2025.
Term Loans By Origination Fiscal Year
June 30, 202520252024
2023-S(1)
20232022PriorRevolvingTotal
Construction and land development
Risk rating
Pass$59,092 $116,910 $36,064 $22,103 $18,309 $13,431 $1,585 $267,494 
Special mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful
— — — — — — — — 
Loss— — — — — — — — 
Total construction and land development$59,092 $116,910 $36,064 $22,103 $18,309 $13,431 $1,585 $267,494 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Commercial real estate – owner occupied
Risk rating
Pass$33,950 $54,801 $37,119 $63,788 $101,163 $248,214 $5,595 $544,630 
Special mention— — — 169 377 1,909 — 2,455 
Substandard— 263 425 161 4,965 7,973 — 13,787 
Doubtful— — — 409 331 11 — 751 
Loss— — — — — — — — 
Total commercial real estate – owner occupied$33,950 $55,064 $37,544 $64,527 $106,836 $258,107 $5,595 $561,623 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Commercial real estate – non-owner occupied
Risk rating
Pass$38,353 $68,250 $12,938 $104,557 $146,443 $468,134 $9,283 $847,958 
Special mention— — — — — 24,763 — 24,763 
Substandard— — — 2,591 — 2,128 — 4,719 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total commercial real estate – non-owner occupied$38,353 $68,250 $12,938 $107,148 $146,443 $495,025 $9,283 $877,440 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Multifamily
Risk rating
Pass$1,496 $15,116 $5,494 $6,485 $12,652 $71,880 $29 $113,152 
Special mention— — — — — 85 — 85 
Substandard— — — — — 179 — 179 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total multifamily$1,496 $15,116 $5,494 $6,485 $12,652 $72,144 $29 $113,416 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Total commercial real estate
Risk rating
Pass$132,891 $255,077 $91,615 $196,933 $278,567 $801,659 $16,492 $1,773,234 
Special mention— — — 169 377 26,757 — 27,303 
Substandard— 263 425 2,752 4,965 10,280 — 18,685 
Doubtful— — — 409 331 11 — 751 
Loss— — — — — — — — 
Total commercial real estate$132,891 $255,340 $92,040 $200,263 $284,240 $838,707 $16,492 $1,819,973 
Total current period gross charge-offs$— $— $— $— $— $— $— $— 
(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.

14

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
Term Loans By Origination Fiscal Year
June 30, 202520252024
2023-S(1)
20232022PriorRevolvingTotal
Commercial and industrial
Risk rating
Pass$54,174 $63,387 $36,864 $32,776 $28,824 $25,856 $115,713 $357,594 
Special mention— — — 95 374 2,619 122 3,210 
Substandard— 880 50 342 1,971 2,089 124 5,456 
Doubtful
— — — 119 593 364 23 1,099 
Loss— — — — — — — — 
Total commercial and industrial$54,174 $64,267 $36,914 $33,332 $31,762 $30,928 $115,982 $367,359 
Current period gross charge-offs$— $50 $343 $150 $508 $— $— $1,051 
Equipment finance
Risk rating
Pass$32,762 $95,583 $53,494 $96,050 $44,828 $23,778 $— $346,495 
Special mention— 6 555 1,626 2,914 304 — 5,405 
Substandard— 153 — 1,942 758 576 — 3,429 
Doubtful— — 283 1,538 2,992 357 — 5,170 
Loss— — — — — — — — 
Total equipment finance$32,762 $95,742 $54,332 $101,156 $51,492 $25,015 $— $360,499 
Current period gross charge-offs$— $86 $139 $886 $803 $421 $— $2,335 
Municipal leases
Risk rating
Pass$10,323 $31,135 $17,186 $22,631 $20,393 $66,955 $— $168,623 
Special mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total municipal leases$10,323 $31,135 $17,186 $22,631 $20,393 $66,955 $— $168,623 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Total commercial
Risk rating
Pass$97,259 $190,105 $107,544 $151,457 $94,045 $116,589 $115,713 $872,712 
Special mention— 6 555 1,721 3,288 2,923 122 8,615 
Substandard— 1,033 50 2,284 2,729 2,665 124 8,885 
Doubtful— — 283 1,657 3,585 721 23 6,269 
Loss— — — — — — — — 
Total commercial$97,259 $191,144 $108,432 $157,119 $103,647 $122,898 $115,982 $896,481 
Total current period gross charge-offs$— $136 $482 $1,036 $1,311 $421 $— $3,386 








15

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
Term Loans By Origination Fiscal Year
June 30, 202520252024
2023-S(1)
20232022PriorRevolvingTotal
Construction and land development
Risk rating
Pass$8,044 $19,241 $4,331 $12,755 $5,849 $2,386 $— $52,606 
Special mention— — — — — — — — 
Substandard— — 414 — — — — 414 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total construction and land development$8,044 $19,241 $4,745 $12,755 $5,849 $2,386 $— $53,020 
Current period gross charge-offs$— $— $— $— $— $132 $— $132 
One-to-four family
Risk rating
Pass$26,277 $39,152 $24,254 $153,792 $145,704 $234,157 $10,187 $633,523 
Special mention— — — — 25 312 — 337 
Substandard— 667 846 584 657 3,659 — 6,413 
Doubtful— — — — — 14 — 14 
Loss— — — — — — — — 
Total one-to-four family$26,277 $39,819 $25,100 $154,376 $146,386 $238,142 $10,187 $640,287 
Current period gross charge-offs$— $— $— $— $— $50 $— $50 
HELOCs
Risk rating
Pass$— $— $— $— $— $— $200,509 $200,509 
Special mention— — — — — — — — 
Substandard— — — — — — 5,409 5,409 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total HELOCs$— $— $— $— $— $— $205,918 $205,918 
Current period gross charge-offs$— $— $— $— $— $— $6 $6 
Total residential real estate
Risk rating
Pass$34,321 $58,393 $28,585 $166,547 $151,553 $236,543 $210,696 $886,638 
Special mention— — — — 25 312 — 337 
Substandard— 667 1,260 584 657 3,659 5,409 12,236 
Doubtful— — — — — 14 — 14 
Loss— — — — — — — — 
Total residential real estate$34,321 $59,060 $29,845 $167,131 $152,235 $240,528 $216,105 $899,225 
Total current period gross charge-offs$— $— $— $— $— $182 $6 $188 
Term Loans By Origination Fiscal Year
June 30, 202520252024
2023-S(1)
20232022PriorRevolvingTotal
Total consumer
Risk rating
Pass$1,502 $3,448 $13,983 $24,864 $6,243 $4,685 $240 $54,965 
Special mention— — — — — — — — 
Substandard— 38 201 673 122 254 17 1,305 
Doubtful— — 1 — — 1 — 2 
Loss— — — — — — — — 
Total consumer$1,502 $3,486 $14,185 $25,537 $6,365 $4,940 $257 $56,272 
Total current period gross charge-offs$— $6 $89 $177 $46 $48 $— $366 







16

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

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








18

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






19

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
The following tables present aging analyses of past due loans (including nonaccrual loans) by segment and class as of the dates indicated. For loans with monthly payments, a loan is considered past due when the loan is in arrears two or more payments.
Past DueTotal Loans
30-89 Days90 Days+TotalCurrent
June 30, 2025
Commercial real estate
Construction and land development$— $— $— $267,494 $267,494 
Commercial real estate – owner occupied1,079 6,009 7,088 554,535 561,623 
Commercial real estate – non-owner occupied1,825 4,719 6,544 870,896 877,440 
Multifamily— — — 113,416 113,416 
Total commercial real estate2,904 10,728 13,632 1,806,341 1,819,973 
Commercial
Commercial and industrial1,815 1,597 3,412 363,947 367,359 
Equipment finance6,019 2,899 8,918 351,581 360,499 
Municipal leases— — — 168,623 168,623 
Total commercial7,834 4,496 12,330 884,151 896,481 
Residential real estate
Construction and land development414 — 414 52,606 53,020 
One-to-four family2,440 1,040 3,480 636,807 640,287 
HELOCs822 2,769 3,591 202,327 205,918 
Total residential real estate3,676 3,809 7,485 891,740 899,225 
Consumer458 203 661 55,611 56,272 
Total loans$14,872 $19,236 $34,108 $3,637,843 $3,671,951 
Past DueTotal Loans
30-89 Days90 Days+TotalCurrent
December 31, 2024
Commercial real estate
Construction and land development$— $— $— $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 $18.9 million and $136.0 million at June 30, 2025 and December 31, 2024, respectively.



20

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
The following table presents the recorded investment in loans on nonaccrual status, by segment and class, including restructured loans. It also includes interest income recognized on nonaccrual loans for the six months ended June 30, 2025.
June 30, 2025
December 31, 2024
90 Days+ &
Still Accruing as of June 30, 2025
Nonaccrual with No ACL as of June 30, 2025
Interest Income Recognized
Commercial real estate
Commercial real estate – owner occupied$8,929 $8,471 $— $5,067 $361 
Commercial real estate – non-owner occupied4,719 3,551 — 3,758 116 
Multifamily— 47 — — 1 
Total commercial real estate13,648 12,069 — 8,825 478 
Commercial
Commercial and industrial3,989 3,487 — 1,069 36 
Equipment finance5,998 4,666 — — 128 
Total commercial9,987 8,153 — 1,069 164 
Residential real estate
Construction and land development414 132 — — 5 
One-to-four family2,083 2,916 — — 57 
HELOCs3,257 3,990 — — 33 
Total residential real estate5,754 7,038 — — 95 
Consumer439 407 — — 16 
Total loans$29,828 $27,667 $— $9,894 $753 
The following tables present analyses of the ACL on loans by segment for the periods indicated below. In addition to the provision (benefit) for credit losses on loans presented below, a benefit of $82 and a provision of $658 for off-balance sheet credit exposures were recorded for the three and six months ended June 30, 2025, respectively, while no provision for commercial paper was recorded for either period. Benefits of $40 and $20 for off-balance sheet credit exposures were recorded for the three and six months ended June 30, 2024, respectively, while no provision for commercial paper was recorded for either period.
Three Months Ended June 30, 2025
Commercial Real EstateCommercialResidential Real EstateConsumerTotal
Balance at beginning of period$19,565 $14,863 $9,330 $984 $44,742 
Provision (benefit) for credit losses(520)2,385 (435)(45)1,385 
Charge-offs— (1,776)(178)(190)(2,144)
Recoveries— 97 5 54 156 
Net (charge-offs) recoveries— (1,679)(173)(136)(1,988)
Balance at end of period$19,045 $15,569 $8,722 $803 $44,139 
Three Months Ended June 30, 2024
Commercial Real EstateCommercialResidential Real EstateConsumerTotal
Balance at beginning of period$19,953 $16,620 $9,157 $1,772 $47,502 
Provision (benefit) for credit losses586 3,885 (123)(48)4,300 
Charge-offs— (2,423)(40)(320)(2,783)
Recoveries— 33 109 62 204 
Net (charge-offs) recoveries— (2,390)69 (258)(2,579)
Balance at end of period$20,539 $18,115 $9,103 $1,466 $49,223 
Six Months Ended June 30, 2025
Commercial Real EstateCommercialResidential Real EstateConsumerTotal
Balance at beginning of period$19,284 $15,267 $9,664 $1,070 $45,285 
Provision (benefit) for credit losses(277)3,275 (773)(40)2,185 
Charge-offs— (3,386)(188)(366)(3,940)
Recoveries38 413 19 139 609 
Net (charge-offs) recoveries38 (2,973)(169)(227)(3,331)
Balance at end of period$19,045 $15,569 $8,722 $803 $44,139 
21

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
Six Months Ended June 30, 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 losses424 5,320 (272)(27)5,445 
Charge-offs(208)(4,808)(60)(651)(5,727)
Recoveries— 578 150 136 864 
Net (charge-offs) recoveries(208)(4,230)90 (515)(4,863)
Balance at end of period$20,539 $18,115 $9,103 $1,466 $49,223 
A loan is considered to be collateral dependent when the borrower is experiencing financial difficulty and the repayment is expected to be provided substantially through the operation or sale of collateral. The following tables provide a breakdown between loans identified as CDAs and non-CDAs, by segment and class, as well as collateral coverage for those loans as of the dates indicated below:
Type and Extent of Collateral Securing CDAsNon-CDAs
June 30, 2025Residential PropertyInvestment PropertyCommercial PropertyBusiness AssetsTotal
Commercial real estate
Construction and land development$— $— $— $— $267,494 $267,494 
Commercial real estate – owner occupied— — 6,131 — 555,492 561,623 
Commercial real estate – non-owner occupied— — 4,719 — 872,721 877,440 
Multifamily— — — — 113,416 113,416 
Total commercial real estate— — 10,850 — 1,809,123 1,819,973 
Commercial
Commercial and industrial— — — 580 366,779 367,359 
Equipment finance— — — 2,627 357,872 360,499 
Municipal leases— — — — 168,623 168,623 
Total commercial— — — 3,207 893,274 896,481 
Residential real estate
Construction and land development— — — — 53,020 53,020 
One-to-four family— — — — 640,287 640,287 
HELOCs— — — — 205,918 205,918 
Total residential real estate— — — — 899,225 899,225 
Consumer— — — — 56,272 56,272 
Total$— $— $10,850 $3,207 $3,657,894 $3,671,951 
Total collateral value$— $— $13,873 $1,244 
22

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
Type and Extent of Collateral Securing CDAsNon-CDAs
December 31, 2024Residential PropertyInvestment PropertyCommercial PropertyBusiness AssetsTotal
Commercial real estate
Construction and land development$— $— $— $— $274,356 $274,356 
Commercial real estate – owner occupied— — 6,376 — 539,114 545,490 
Commercial real estate – non-owner occupied— — 3,820 — 862,274 866,094 
Multifamily— — — — 120,425 120,425 
Total commercial real estate— — 10,196 — 1,796,169 1,806,365 
Commercial
Commercial and industrial— — — 585 315,574 316,159 
Equipment finance— — — 717 405,683 406,400 
Municipal leases— — — — 165,984 165,984 
Total commercial— — — 1,302 887,241 888,543 
Residential real estate
Construction and land development— — — — 53,683 53,683 
One-to-four family— — — — 630,391 630,391 
HELOCs— — — — 195,288 195,288 
Total residential real estate— — — — 879,362 879,362 
Consumer— — — — 74,029 74,029 
Total$— $— $10,196 $1,302 $3,636,801 $3,648,299 
Total collateral value$— $— $13,938 $748 
Modifications to Borrowers Experiencing Financial Difficulty
The Company modifies loans to borrowers experiencing financial difficulty by providing principal forgiveness, a term extension, an other-than-insignificant payment delay or interest rate adjustments. In some cases, the Company provides multiple types of modifications on one loan. Typically, one type of modification, such as a term extension, is granted initially. If the borrower continues to experience financial difficulty, another modification, such as principal forgiveness, may be granted. For loans included in the combination columns in the table below, multiple types of modifications have been made on the same loan within the current reporting period.
The following tables present the amortized cost basis of loans that were both experiencing financial difficulty and modified during the periods indicated, by class and type of modification. The percentage of the amortized cost basis of loans that were modified to borrowers in financial difficulty as compared to the amortized cost basis of each class of financing receivable is also presented. The Hurricane Helene-related deferrals previously referenced did not meet this definition and, therefore, were not included.
Three Months Ended June 30, 2025
Principal ForgivenessPayment DelayTerm ExtensionInterest Rate AdjustmentCombination Term Extension & Principal ForgivenessCombination Term Extension & Interest Rate Reduction% of Total Class of Financing Receivable
Commercial real estate
Commercial real estate – non-owner-occupied$— $755 $350 $— $— $— 0.13 %
Commercial loans— 
Commercial and industrial— 2,306 45 — — — 0.64 
Residential real estate loans
One-to-four family— — 50 — — — 0.01 
Total$— $3,061 $445 $— $— $— 0.10 %
Three Months Ended June 30, 2024
Principal ForgivenessPayment DelayTerm ExtensionInterest Rate AdjustmentCombination Term Extension & Principal ForgivenessCombination Term Extension & Interest Rate Reduction% of Total Class of Financing Receivable
Commercial loans
Commercial and industrial$— $759 $630 $147 $— $— 0.58 %

23

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
Six Months Ended June 30, 2025
Principal ForgivenessPayment DelayTerm ExtensionInterest Rate AdjustmentCombination Term Extension & Principal ForgivenessCombination Term Extension & Interest Rate Reduction% of Total Class of Financing Receivable
Commercial real estate
Commercial real estate – owner-occupied$— $774 $— $— $— $— 0.14 %
Commercial real estate – non-owner-occupied— 755 350 — — — 0.13 
Commercial loans
Commercial and industrial— 2,854 419 115 — — 0.92 
Residential real estate loans
One-to-four family— — 50 — — — 0.01 
Total$— $4,383 $819 $115 $— $— 0.14 %
Six Months Ended June 30, 2024
Principal ForgivenessPayment DelayTerm ExtensionInterest Rate AdjustmentCombination Term Extension & Principal ForgivenessCombination Term Extension & Interest Rate Reduction% of Total Class of Financing Receivable
Commercial real estate
Commercial real estate – non-owner-occupied$— $956 $— $— $— $— 0.11 %
Commercial loans
Commercial and industrial— 2,137 630 147 — — 1.10 
Total$— $3,093 $630 $147 $— $— 0.10 %
The following tables present the financial effect of the loan modifications presented above to borrowers experiencing financial difficulty for the period indicated below:
Three Months Ended June 30, 2025
Principal ForgivenessWeighted-Average Interest Rate ReductionWeighted-Average Term Extension (Years)
Commercial real estate
Commercial real estate – non-owner-occupied$— — %6
Commercial loans
Commercial and industrial— — 10
Residential real estate loans
One-to-four family— — 11
Total$— — %7
Six Months Ended June 30, 2025
Principal ForgivenessWeighted-Average Interest Rate ReductionWeighted-Average Term Extension (Years)
Commercial real estate
Commercial real estate – non-owner-occupied$— — %6
Commercial loans
Commercial and industrial— 7.0 10
Residential real estate loans
One-to-four family— — 11
Total$— 7.0 %9
24

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
The following tables present loans that had a payment default during the period indicated that had previously been modified within the prior twelve months. For purposes of this table, a loan is considered to be in default when it becomes 30 days contractually past due under the modified terms.
Three Months Ended June 30, 2025
Principal ForgivenessPayment DelayTerm ExtensionInterest Rate Adjustment
Commercial loans
Equipment finance$— $— $— $115 
Six Months Ended June 30, 2025
Principal ForgivenessPayment DelayTerm ExtensionInterest Rate Adjustment
Commercial real estate
Commercial real estate – owner-occupied$— $675 $— $161 
Commercial loans
Commercial and industrial— — 132 — 
Equipment finance— — — 115 
Total$— $675 $132 $276 
Three and Six Months Ended June 30, 2024
Principal ForgivenessPayment DelayTerm ExtensionInterest Rate Adjustment
Commercial real estate
Commercial real estate – owner-occupied$— $956 $— $— 
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 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 June 30, 2025 and December 31, 2024, the ACL on off-balance sheet credit exposures included in other liabilities was $3,330 and $2,672, respectively.
7. Premises and Equipment
Premises and equipment as of the dates indicated consist of the following:
June 30, 2025
December 31, 2024
Land$23,378 $25,818 
Office buildings68,537 75,450 
Furniture, fixtures and equipment20,313 19,880 
Total112,228 121,148 
Less: accumulated depreciation(49,522)(51,276)
Premises and equipment, net$62,706 $69,872 
As noted in "Note 3 – Branch Sales", the majority of the changes between periods can be traced to the sale of $6,310 of premises and equipment associated with our two Knoxville, Tennessee branches during the six months ended June 30, 2025. The assets were sold at their carrying balance so no gain or loss was recognized on the sale.
The carrying balance of premises and equipment held for sale, at the lower of cost or fair value, was $616 at both June 30, 2025 and December 31, 2024.
Depreciation expense associated with premises and equipment was $1,905 and $1,859 for the six months ended June 30, 2025 and 2024, respectively.
25

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
8. Deposit Accounts
Deposit accounts at the dates indicated consist of the following:
June 30, 2025
December 31, 2024
Noninterest-bearing accounts$698,843 $680,926 
NOW accounts561,524 575,238 
Money market accounts1,323,762 1,341,995 
Savings accounts179,980 181,317 
Certificates of deposit902,069 999,727 
Total$3,666,178 $3,779,203 
Deposits received from executive officers, directors and their associates totaled approximately $1,137 and $1,223 at June 30, 2025 and December 31, 2024, respectively.
As of June 30, 2025, scheduled maturities of certificates of deposit were as follows:
Remainder of 2025$720,385 
2026172,794 
20275,885 
20281,779 
2029578 
Thereafter648 
Total$902,069 
Certificates of deposit with balances of $250 or greater totaled $167,181 and $168,089 at June 30, 2025 and December 31, 2024, respectively. Generally, deposit amounts in excess of $250 are not federally insured.
9. Borrowings
Junior Subordinated Debentures
On February 21, 2007, Quantum formed a Connecticut statutory trust, Quantum Capital Statutory Trust II (the "Trust"), which issued $11,000 of trust preferred securities that were designed to qualify as Tier I capital under Federal Reserve Board guidelines. All of the common securities of the Trust were owned by Quantum. The proceeds from the issuance of the common securities and the trust preferred securities were used by the Trust to purchase $11,341 of junior subordinated debentures of Quantum. As a result of its merger with Quantum on February 12, 2023, HomeTrust became the 100% successor owner of the Trust.
The trust preferred securities accrue and pay quarterly distributions at a floating rate of 3-month Term SOFR plus 2.20%, which was 6.49% at June 30, 2025. The Company has guaranteed distributions and other payments due on the trust preferred securities to the extent the Trust has insufficient funds with which to make the distributions and other payments. The net combined effect of all documents entered into in connection with the trust preferred securities is that the Company is liable to make the distributions and other payments required on the trust preferred securities.
The trust preferred securities are mandatorily redeemable upon maturity of the debentures on March 15, 2037, or upon earlier redemption as provided in the indenture. The debentures purchased by the Trust have been redeemable, in whole or in part, since March 15, 2012. As specified in the indenture, if the debentures are redeemed prior to maturity, the redemption price will be the principal amount and any accrued but unpaid interest.
Other Borrowings
Borrowings, outside of junior subordinated debt, consist of the following at the dates indicated:
June 30, 2025December 31, 2024
BalanceWeighted
Average Rate		BalanceWeighted
Average Rate
FHLB advances (short-term)$35,000 4.57 %$— — %
FRB advances (short-term)230,000 4.50 188,000 4.50 
Total other borrowings$265,000 4.51 %$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 June 30, 2025 and December 31, 2024, the Company had the ability to borrow $386,775 and $315,468, respectively, through additional FHLB advances and $2,772 and $106,592, respectively, through the unused portion of a line of credit with the FRB.
At both June 30, 2025 and December 31, 2024, the Company maintained revolving lines of credit with three unaffiliated banks which totaled $165,000, all of which was unused.
26

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
10. Leases
As Lessee - Operating Leases
The Company's operating leases primarily include office space and bank branches. Certain leases include one or more options to renew, with renewal terms that can extend the lease term up to 15 additional years. The exercise of lease renewal options is at management's sole discretion. When it is reasonably certain that the Company will exercise our option to renew or extend the lease term, that option is included in estimating the value of the ROU and lease liability. The Company's lease agreements do not contain any material residual value guarantees or material restrictive covenants. Most of the Company's lease agreements include periodic rate adjustments for inflation. The depreciable life of ROU assets and leasehold improvements are limited to the shorter of the useful life or the expected lease term. Leases with an initial term of 12 months or less are not recorded on the Company's Consolidated Balance Sheet. The Company recognizes lease expenses for these leases over the lease term.
The following tables present supplemental balance sheet information related to operating leases. ROU assets are included in other assets and lease liabilities are included in other liabilities.
June 30, 2025December 31, 2024
Supplemental balance sheet information
ROU assets$7,929 $8,072 
Lease liabilities$9,479 $9,557 
Weighted-average remaining lease terms (years)7.98.2
Weighted-average discount rate3.62 %3.48 %
The following schedule summarizes aggregate future minimum lease payments under these operating leases at June 30, 2025:
Remainder of 2025$901 
20261,827 
20271,852 
20281,663 
2029893 
Thereafter3,867 
Total undiscounted minimum lease payments11,003 
Less: amount representing interest(1,524)
Total lease liability$9,479 
The following table presents components of operating lease expense for the periods indicated:
Three Months Ended June 30,Six Months Ended June 30,
2025202420252024
Operating lease cost (included in occupancy expense, net)$397 $408 $792 $814 
Variable lease cost (included in occupancy expense, net)2 1 2 2 
Sublease income (included in other noninterest income)(46)(43)(89)(85)
Total operating lease expense, net$353 $366 $705 $731 
The following table presents supplemental operating lease cash flow information for the periods indicated:
Six Months Ended June 30,
2025
2024
ROU assets - noncash additions$448 $— 
Cash paid for amounts included in the measurement of lease liabilities762 758 
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 $29,508 and $31,572 with a residual value of $13,907 and $13,662 as of June 30, 2025 and December 31, 2024, respectively.
27

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
The following schedule summarizes aggregate future minimum lease payments to be received at June 30, 2025:
Remainder of 2025$4,366 
20266,622 
20273,557 
20283,199 
20292,704 
Thereafter1,363 
Total of future minimum payments$21,811 
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 June 30, 2025 and 2024, interest income on equipment finance leases totaled $1,283 and $1,113, respectively. For the six months ended June 30, 2025 and 2024, interest income on equipment finance leases totaled $2,501 and $2,167, respectively.
The lease receivable component of finance lease net investment included within the equipment finance class of financing receivables was $73,172 and $70,420 at June 30, 2025 and December 31, 2024, respectively.
The following schedule summarizes, as of June 30, 2025, aggregate future minimum finance lease payments to be received:
Remainder of 2025$13,638 
202624,191 
202719,868 
202813,313 
20297,633 
Thereafter5,614 
Total undiscounted minimum lease payments84,257 
Less: amount representing interest(11,085)
Total lease receivable$73,172 
11.    Equity Incentive Plan
The Company historically provided stock-based awards through the 2013 Omnibus Incentive Plan, which provided for awards of restricted stock, restricted stock units, stock options, stock appreciation rights and cash awards to directors, directors emeritus, officers, employees and advisory directors. On November 14, 2022, at the Company's annual meeting, stockholders approved the 2022 Omnibus Incentive Plan which provides for the same types of awards as described under the 2013 Omnibus Incentive Plan. Going forward, any future grants will be made under this plan.
The cost of equity-based awards under the 2022 Omnibus Incentive Plan generally is based on the fair value of the awards on their grant date. The maximum number of shares that may be utilized for awards under the plan is 1,000,000. Shares of common stock issued under the plan will be issued out of authorized but unissued shares, some or all of which may be repurchased shares.
The table below presents share-based compensation expense and the estimated related tax benefit for stock options and restricted stock for the periods indicated:
Three Months Ended June 30,Six Months Ended June 30,
2025202420252024
Share-based compensation expense$496 $409 $986 $822 
Tax benefit117 97 233 193 
28

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
The table below presents stock option activity and related information for the six months ended June 30, 2025 and 2024:
OptionsWeighted-Average Exercise PriceRemaining Contractual Life
(Years)		Aggregate
Intrinsic
Value
Options outstanding at December 31, 2023534,350 $25.85 4.6$776 
Exercised(10,000)15.80 
Forfeited(23,600)25.94 
Options outstanding at June 30, 2024500,750 $26.04 4.2$2,049 
Exercisable at June 30, 2024451,780 $25.85 3.9$1,907 
Non-vested at June 30, 202448,970 $27.77 7.2$142 
Options outstanding at December 31, 2024413,637 $26.02 3.8$3,169 
Exercised(13,700)24.08 
Forfeited(1,400)26.72 
Options outstanding at June 30, 2025398,537 $26.08 3.3$4,514 
Exercisable at June 30, 2025373,157 $25.93 3.1$4,285 
Non-vested at June 30, 202525,380 $28.37 6.4$230 
There were no options granted during the six months ended June 30, 2025 or 2024.
At June 30, 2025, the Company had $156 of unrecognized compensation expense related to 25,380 stock options originally scheduled to vest over a five-year period. The weighted average period over which compensation cost related to non-vested awards is expected to be recognized was 0.9 years at June 30, 2025. At June 30, 2024, the Company had $300 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 1.2 years at June 30, 2024.
The table below presents restricted stock award activity and related information:
Restricted
Stock Awards(1)
Performance-Based Restricted
Stock Units(2)
Weighted-
Average Grant
Date Fair Value		Aggregate
Intrinsic
Value
Non-vested at December 31, 2023106,143 25,001 $27.70 $3,530 
Granted72,502 15,899 26.60 
Vested(36,637)— 27.26 
Non-vested at June 30, 2024142,008 40,900 $27.33 $5,493 
Non-vested at December 31, 2024138,582 30,001 $27.15 $5,678 
Granted59,329 15,444 37.38 
Vested(50,326)— 27.20 
Forfeited(3,621)— 26.90 
Non-vested at June 30, 2025143,964 45,445 $31.18 $7,086 
(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 June 30, 2025, unrecognized compensation expense was $4,803 related to 189,409 shares of restricted stock. The weighted average period over which compensation cost related to non-vested awards is expected to be recognized was 1.8 years at June 30, 2025. At June 30, 2024, unrecognized compensation expense was $3,982 related to 182,908 shares of restricted stock. The weighted average period over which compensation cost related to non-vested awards is expected to be recognized was 1.8 years at June 30, 2024.
29

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
12. Net Income per Share
The following is a reconciliation of the numerator and denominator of basic and diluted net income per common share for the periods indicated:
Three Months Ended June 30,Six Months Ended June 30,
2025202420252024
Numerator
Net income$17,210 $12,418 $31,749 $27,485 
Allocation of earnings to participating securities(190)(133)(350)(295)
Numerator for basic and diluted EPS - net income available to common stockholders$17,020 $12,285 $31,399 $27,190 
Denominator    
Weighted-average common shares outstanding - basic17,006,141 16,883,028 17,008,699 16,871,383 
Dilutive effect of assumed exercise of stock options100,307 21,070 101,143 17,167 
Weighted-average common shares outstanding - diluted17,106,448 16,904,098 17,109,842 16,888,550 
Net income per share - basic$1.01 $0.73 $1.85 $1.61 
Net income per share - diluted$1.00 $0.73 $1.84 $1.61 
Potential dilutive shares are excluded from the computation of earnings per share if their effect is anti-dilutive. There were 109,450 stock options that were anti-dilutive as of June 30, 2024. No stock options were anti-dilutive as of June 30, 2025.
13.    Commitments and Contingencies
Loan Commitments – Legally binding commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many commitments may expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. In the normal course of business, there are various outstanding commitments to extend credit that are not reflected in the consolidated financial statements.
The table below presents details of loan commitments outstanding as of the dates indicated:
 June 30, 2025December 31, 2024
Variable rate commitments$44,832 $56,922 
Fixed rate commitments(1)
43,794 28,096 
Total loan commitments$88,626 $85,018 
Range of fixed interest rates
 4.46% - 10.25%
4.14% - 10.25%
Undisbursed portions of construction loans
$210,845 $145,523 
Pre-approved but unused lines of credit(2)
$797,133 $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 June 30, 2025 or December 31, 2024.
Equity Investment Commitments – As of June 30, 2025, the Company had committed $32,000 across ten SBIC investments with $10,855 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 June 30, 2025, the Company had committed $10,000 towards a solar tax equity investment with $9,817 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 June 30, 2025 and December 31, 2024 were $53,877 and $53,226, respectively. There was no liability recorded for these letters of credit at June 30, 2025 or December 31, 2024.
30

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
Litigation – From time to time, the Company is involved in litigation matters in the ordinary course of business. These proceedings and the associated legal claims are often contested, and the outcome of individual matters is not always predictable. These claims and counter claims typically arise during the course of collection efforts on problem loans or with respect to actions to enforce liens on properties in which the Company holds a security interest. The Company is not a party to any pending legal proceedings that management believes would have a material adverse effect on the Company’s financial condition or results of operations.
14.    Fair Value of Financial Instruments
Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair values:
Level 1:    Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.
Level 2:    Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active or other inputs that are observable or can be corroborated by observable market data.
Level 3:    Significant unobservable inputs that reflect a company's own assumptions about the assumptions that market participants would use in pricing an asset or liability.
A financial instrument's level within the fair value hierarchy is based on the lowest level of any input that is significant to the fair value measurement. The following is a description of valuation methodologies used for assets recorded at fair value. As of both June 30, 2025 and December 31, 2024, the Company did not have any liabilities recorded at fair value.
The methods of determining the fair value of assets and liabilities presented in this note are consistent with the methodologies disclosed in Note 20 of the 2024 Form 10-K.
Financial Assets Recorded at Fair Value
The following table presents financial assets measured at fair value on a recurring basis at the dates indicated:
June 30, 2025
TotalLevel 1Level 2Level 3
Debt securities available for sale
MBS, residential$137,585 $— $137,585 $— 
Municipal bonds1,885 — 1,885 — 
Corporate bonds4,472 — 4,472 — 
Total debt securities available for sale$143,942 $— $143,942 $— 
Loans held for sale$1,106 $— $1,106 $— 
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 six months ended June 30, 2025 or 2024.
31

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
The following tables present financial assets measured at fair value on a non-recurring basis at the dates indicated:
June 30, 2025
TotalLevel 1Level 2Level 3
Collateral dependent loans
Commercial real estate loans
Commercial real estate – owner occupied$364 $— $— $364 
Commercial real estate – non-owner occupied546 — — 546 
Commercial loans
Commercial and industrial204 — — 204 
Equipment finance1,040 — — 1,040 
Total$2,154 $— $— $2,154 
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 June 30, 2025 and December 31, 2024 are summarized below:
 June 30, 2025
Carrying
Value		Fair
Value		Level 1Level 2Level 3
Assets
Cash and cash equivalents$297,209 $297,209 $297,209 $— $— 
Certificates of deposit in other banks23,319 23,319 — 23,319 — 
Debt securities available for sale, at fair value143,942 143,942 — 143,942 — 
Loans held for sale, at fair value1,106 1,106 1,106 — — 
Loans held for sale, at the lower of cost or fair value169,835 172,032 — — 172,032 
Loans, net3,627,812 3,546,351 — — 3,546,351 
Accrued interest receivable16,554 16,554 61 601 15,892 
Liabilities
Noninterest-bearing and NOW deposits1,260,367 1,260,367 — 1,260,367 — 
Money market accounts1,323,762 1,323,762 — 1,323,762 — 
Savings accounts179,980 179,980 — 179,980 — 
Certificates of deposit902,069 900,628 — 900,628 — 
Junior subordinated debt10,170 9,914 — 9,914 — 
Borrowings265,000 265,102 — 265,102 — 
Accrued interest payable4,392 4,392 — 4,392 — 
32

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
 December 31, 2024
Carrying
Value		Fair
Value		Level 1Level 2Level 3
Assets
Cash and cash equivalents$279,219 $279,219 $279,219 $— $— 
Certificates of deposit in other banks28,538 28,538 — 28,538 — 
Debt securities available for sale, at fair value152,011 152,011 — 152,011 — 
Loans held for sale, at fair value4,144 4,144 4,144 — — 
Loans held for sale, at the lower of cost or fair value202,018 204,122 — — 204,122 
Loans, net3,603,014 3,498,929 — — 3,498,929 
Accrued interest receivable18,336 18,336 65 701 17,570 
Liabilities
Noninterest-bearing and NOW deposits1,256,164 1,256,164 — 1,256,164 — 
Money market accounts1,341,995 1,341,995 — 1,341,995 — 
Savings accounts181,317 181,317 — 181,317 — 
Certificates of deposit999,727 998,856 — 998,856 — 
Junior subordinated debt10,120 9,914 — 9,914 — 
Borrowings188,000 188,000 — 188,000 — 
Accrued interest payable9,578 9,578 — 9,578 — 
The Company had off-balance sheet financial commitments, which included approximately $1,150,482 and $996,042 of commitments to originate loans, undisbursed portions of construction loans, unused lines of credit and standby letters of credit at June 30, 2025 and December 31, 2024, respectively (see "Note 13 – Commitments and Contingencies"). Since these commitments are based on current rates, the carrying amount approximates the fair value.
15.    Subsequent Event
On July 4, 2025, President Trump signed into law the legislation formally titled “An Act to Provide for Reconciliation Pursuant to Title II of H. Con. Res. 14” commonly referred to as the One Big Beautiful Bill. The Corporation is currently evaluating the income tax implications of the bill, but does not expect it to have a material impact on the Corporation’s financial statements.
33

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

Overview
For the quarter ended June 30, 2025 compared to the quarter ended March 31, 2025:
•net income was $17.2 million compared to $14.5 million;
•diluted EPS were $1.00 compared to $0.84;
•annualized ROA was 1.58% compared to 1.33%;
•annualized ROE was 11.97% compared to 10.52%;
•net interest margin was 4.32% compared to 4.18%;
•provision for credit losses was $1.3 million compared to $1.5 million;
•gain on the sale of our two Knoxville, Tennessee branches was $1.4 million compared to $0;
•quarterly cash dividends continued at $0.12 per share totaling $2.1 million for both periods; and
•78,412 shares of Company common stock were repurchased during the current quarter at an average price of $35.74 compared to 14,800 shares repurchased at an average price of $33.64 in the prior quarter.
For the six months ended June 30, 2025 compared to the six months ended June 30, 2024:
•net income was $31.7 million compared to $27.5 million;
•diluted EPS were $1.84 compared to $1.61;
•annualized ROA was 1.46% compared to 1.25%;
•annualized ROE was 11.26% compared to 10.73%;
•net interest margin was 4.25% compared to 4.08%;
•provision for credit losses was $2.8 million compared to $5.4 million;
•tax-free death benefit proceeds from life insurance were $0 compared to $1.1 million;
•cash dividends of $0.24 per share totaling $4.1 million compared to $0.22 per share totaling $3.7 million; and
•93,212 shares of Company common stock were repurchased during the six months ended June 30, 2025 at an average price of $35.41 compared to 23,483 shares repurchased at an average price of $27.48 in the same period last year.
Three Months Ended
Six Months Ended
(Dollars in thousands)
June 30, 2025
March 31, 2025
June 30, 2025
June 30, 2024
Interest and dividend income$63,641 $63,635 $127,276 $128,769 
Interest expense19,412 20,728 40,140 44,828 
Net interest income44,229 42,907 87,136 83,941 
Provision for credit losses 1,303 1,540 2,843 5,425 
Net interest income after provision for credit losses42,926 41,367 84,293 78,516 
Noninterest income10,157 8,027 18,184 16,924 
Noninterest expense31,255 30,961 62,216 60,619 
Income before income taxes21,828 18,433 40,261 34,821 
Income tax expense4,618 3,894 8,512 7,336 
Net income$17,210 $14,539 $31,749 $27,485 
Net income per common share(1)
  
Basic$1.01 $0.84 $1.85 $1.61 
Diluted1.00 0.84 1.84 1.61 
Cash dividends declared per common share0.12 0.12 0.24 0.22 
Book value per share at end of period33.12 32.21 33.12 30.03 
Tangible book value per share at end of period(2)
30.92 30.00 30.92 27.73 
Market price per share at end of period37.41 34.28 37.41 30.03 
(1)Basic and diluted net income per common share have been prepared in accordance with the two-class method.
(2)See Non-GAAP reconciliations below for adjustments.
Critical Accounting Policies and Estimates
Certain of our accounting policies are important to the portrayal of our financial condition, since they require management to make difficult, complex or subjective judgments, some of which may relate to matters that are inherently uncertain. Estimates associated with these policies are susceptible to material changes as a result of changes in facts and circumstances which could include, but are not limited to, changes in interest rates, changes in the performance of the economy and changes in the financial condition of borrowers. The following represents our critical accounting policy:
Allowance for Credit Losses, or ACL, on Loans. The ACL on loans held for investment reflects our estimate of credit losses that will result from the inability of our borrowers to make required loan payments. We charge off loans against the ACL and subsequent recoveries, if any, increase the ACL when they are recognized. We use a systematic methodology to determine our ACL for loans held for investment and certain off-balance-sheet credit exposures. The ACL on loans held for investment is a valuation account that is deducted from the amortized cost basis to present the net amount expected to be collected on the loan portfolio. The estimate of our ACL on loans held for investment involves a high degree of judgment including consideration of the effects of past events, current conditions and reasonable and supportable forecasts on the collectability of the loan portfolio. We recognize in net income the amount needed to adjust the ACL on loans held for investment and certain off-balance-sheet credit exposures for management’s current estimate of ECLs. Our ACL on loans held for investment is calculated using collectively evaluated and individually evaluated loans.
35

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)June 30, 2025March 31, 2025
June 30, 2024
Total stockholders' equity$579,274 $565,449 $523,628 
Less: goodwill, core deposit intangibles, net of taxes38,477 38,793 40,063 
Tangible book value$540,797 $526,656 $483,565 
Common shares outstanding17,492,143 17,552,626 17,437,326 
Book value per share$33.12 $32.21 $30.03 
Tangible book value per share$30.92 $30.00 $27.73 
Set forth below is a reconciliation to US GAAP of tangible equity to tangible assets:
(Dollars in thousands)June 30, 2025March 31, 2025
June 30, 2024
Tangible equity(1)
$540,797 $526,656 $483,565 
Total assets4,578,053 4,558,060 4,670,864 
Less: goodwill, core deposit intangibles, net of taxes38,477 38,793 40,063 
Total tangible assets$4,539,576 $4,519,267 $4,630,801 
Tangible equity to tangible assets11.91 %11.65 %10.44 %
(1)Tangible equity (or tangible book value) is equal to total stockholders' equity less goodwill and core deposit intangibles, net of related deferred tax liabilities.
36

Comparison of Results of Operations for the Three Months Ended June 30, 2025 and March 31, 2025
Net Income.  Net income totaled $17.2 million, or $1.00 per diluted share, for the three months ended June 30, 2025 compared to $14.5 million, or $0.84 per diluted share, for the three months ended March 31, 2025, an increase of $2.7 million, or 18.4%. Results for the three months ended June 30, 2025 benefited from a $1.3 million increase in net interest income and a $2.1 million increase in noninterest income due to a $1.4 million gain on the sale of two branch locations. 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
 June 30, 2025
March 31, 2025
(Dollars in thousands)Average
Balance
Outstanding		Interest
Earned /
Paid		Yield /
Rate		Average
Balance
Outstanding		Interest
Earned /
Paid		Yield /
Rate
Assets
Interest-earning assets
Loans receivable(1)
$3,804,502$60,440 6.37 %$3,802,003$58,613 6.25 %
Debt securities available for sale149,6111,658 4.45 152,6591,787 4.75 
Other interest-earning assets(2)
149,1751,543 4.15 206,2423,235 6.36 
Total interest-earning assets4,103,28863,641 6.22 4,160,90463,635 6.20 
Other assets263,603266,141
Total assets$4,366,891$4,427,045
Liabilities and equity
Interest-bearing liabilities
Interest-bearing checking accounts$563,817$1,251 0.89 %$573,316$1,324 0.94 %
Money market accounts1,329,9739,004 2.72 1,345,5759,177 2.77 
Savings accounts182,34037 0.08 183,35438 0.08 
Certificate accounts868,3218,564 3.96 951,7159,824 4.19 
Total interest-bearing deposits2,944,45118,856 2.57 3,053,96020,363 2.70 
Junior subordinated debt10,154206 8.14 10,129205 8.21 
Borrowings31,154350 4.51 12,301160 5.28 
Total interest-bearing liabilities2,985,75919,412 2.61 3,076,39020,728 2.73 
Noninterest-bearing deposits744,585719,522
Other liabilities59,97370,821
Total liabilities3,790,3173,866,733
Stockholders' equity576,574560,312
Total liabilities and stockholders' equity$4,366,891$4,427,045
Net earning assets$1,117,529$1,084,514
Average interest-earning assets to average interest-bearing liabilities137.43 %135.25 %
Non-tax-equivalent
Net interest income$44,229 $42,907 
Interest rate spread3.61 %3.47 %
Net interest margin(3)
4.32 %4.18 %
Tax-equivalent(4)
Net interest income$44,660 $43,325 
Interest rate spread3.65 %3.51 %
Net interest margin(3)
4.37 %4.22 %
(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 $431 and $418 for the three months ended June 30, 2025 and March 31, 2025, respectively, calculated based on a combined federal and state tax rate of 24%.
Total interest and dividend income for the three months ended June 30, 2025 did not vary significantly when compared to the three months ended March 31, 2025. Regarding the components of this income, loan interest income increased $1.8 million, or 3.1%, primarily due to an increase in yield on loans and an additional day in the current quarter, which was partially offset by a $1.7 million, or 52.3%, decrease in other investments and interest-bearing deposits income, mainly due to a $1.0 million, or 78.9%, decrease in SBIC investment income where significant investment appreciation was recognized in the prior quarter. Accretion income on acquired loans of $1.0 million and $322,000 was recognized during the same periods, respectively, and was included in interest income on loans.
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Total interest expense for the three months ended June 30, 2025 decreased $1.3 million, or 6.3%, compared to the three months ended March 31, 2025. The decrease was primarily the result of a decline in the average balance of certificate accounts, specifically brokered deposits, and a decline in the average cost of funds across funding categories.
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$703 $1,124 $1,827 
Debt securities available for sale(17)(112)(129)
Other interest-earning assets(878)(814)(1,692)
Total interest-earning assets(192)198 6 
Interest-bearing liabilities
Interest-bearing checking accounts(8)(65)(73)
Money market accounts(7)(166)(173)
Savings accounts— (1)(1)
Certificate accounts(767)(493)(1,260)
Junior subordinated debt3 (2)1 
Borrowings249 (59)190 
Total interest-bearing liabilities(530)(786)(1,316)
Increase in net interest income$1,322 
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)
June 30, 2025
March 31, 2025
$ Change% Change
Provision for credit losses
Loans$1,385 $800 $585 73 %
Off-balance-sheet credit exposure(82)740 (822)(111)
Total provision for credit losses$1,303 $1,540 $(237)(15)%
For the quarter ended June 30, 2025, the "loans" portion of the provision for credit losses was the result of the following, offset by net charge-offs of $2.0 million during the quarter:
•$0.3 million benefit driven by changes in the loan mix.
•$1.6 million benefit due to changes in qualitative adjustments, partially offset by a slight worsening of the projected economic forecast, specifically the national unemployment rate. Of note, we released the $2.2 million qualitative allocation previously established for the potential impact of Hurricane Helene upon our loan portfolio which had been established in the quarter ended September 30, 2024. Any residual impact of the Hurricane is believed to have now been reflected elsewhere within the ACL calculation.
•$1.3 million increase in specific reserves on individually evaluated loans.
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.
•A slight improvement in the projected economic forecast, specifically the national unemployment rate, was offset by changes in qualitative adjustments.
•$0.1 million increase in specific reserves on individually evaluated loans.
For the quarter ended June 30, 2025, the amount recorded for off-balance-sheet credit exposure was the result of an increase in the balance of loan commitments offset by changes in the projected economic forecast and qualitative allocation as outlined above. 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.

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Noninterest Income.  Noninterest income for the three months ended June 30, 2025 increased $2.1 million, or 26.5%, when compared to the quarter ended March 31, 2025. Changes in the components of noninterest income are discussed below:
Three Months Ended
(Dollars in thousands)
June 30, 2025
March 31, 2025
$ Change% Change
Noninterest income
Service charges and fees on deposit accounts$2,502 $2,244 $258 11 %
Loan income and fees548 721 (173)(24)
Gain on sale of loans held for sale2,109 1,908 201 11 
BOLI income852 842 10 1 
Operating lease income1,876 1,379 497 36 
Gain on sale of branches1,448 — 1,448 100 
Gain on sale of premises and equipment28 — 28 100 
Other794 933 (139)(15)
Total noninterest income$10,157 $8,027 $2,130 27 %
•Gain on sale of loans held for sale: The increase was primarily driven by sales of the guaranteed portion of SBA commercial loans during the period. There were $7.3 million in sales of the guaranteed portion of SBA commercial loans with gains of $570,000 for the current quarter compared to $4.6 million sold and gains of $366,000 for the prior quarter. There were $108.8 million of HELOCs originated for sale which were sold during the current quarter with gains of $954,000 compared to $89.4 million sold with gains of $1.1 million in the prior quarter. There were $30.3 million of residential mortgage loans sold for gains of $558,000 during the current quarter compared to $18.8 million sold with gains of $473,000 in the prior quarter. Our hedging of mandatory commitments on the residential mortgage loan pipeline resulted in a net gain of $27,000 for the current quarter compared to a net gain of $13,000 for the prior quarter.
•Operating lease income: The increase was primarily the result of a reduction in losses recognized on the sale of previously leased equipment. We recognized net losses of $358,000 and $745,000 during the three months ended June 30, 2025 and March 31, 2025, respectively.
•Gain on sale of branches: On May 23, 2025, we completed the previously announced sale of our two Knoxville, Tennessee branches, recognizing a gain of $1.4 million. The gain was primarily the result of a premium received on the deposits assumed by the purchasing institution, partially offset by expenses associated with the transaction.
Noninterest Expense.  Noninterest expense for the three months ended June 30, 2025 increased $294,000, or 0.9%, when compared to the three months ended March 31, 2025. Changes in the components of noninterest expense are discussed below:
Three Months Ended
(Dollars in thousands)
June 30, 2025
March 31, 2025
$ Change% Change
Noninterest expense
Salaries and employee benefits$18,208 $17,699 $509 3 %
Occupancy expense, net2,375 2,511 (136)(5)
Computer services2,488 2,805 (317)(11)
Operating lease depreciation expense1,789 1,868 (79)(4)
Telephone, postage and supplies561 546 15 3 
Marketing and advertising442 452 (10)(2)
Deposit insurance premiums473 511 (38)(7)
Core deposit intangible amortization411 515 (104)(20)
Other4,508 4,054 454 11 
Total noninterest expense$31,255 $30,961 $294 1 %
•Computer services: At the end of the prior calendar year, we finalized the multiyear renewal of our largest core processing contract. The decrease in expense quarter-over-quarter is a reflection of the improved vendor pricing negotiated through this effort.
•Other: The change was driven by an increase in loan workout expenses in addition to smaller increases across several other expense categories.
Income Taxes.  The amount of income tax expense is influenced by the amount of pre-tax income, tax-exempt income, changes in the statutory rate and the effect of changes in valuation allowances maintained against deferred tax benefits. The effective tax rates for the three months ended June 30, 2025 and March 31, 2025 were 21.2% and 21.1%, respectively.
Comparison of Results of Operations for the Six Months Ended June 30, 2025 and June 30, 2024
Net Income.  Net income totaled $31.7 million, or $1.84 per diluted share, for the six months ended June 30, 2025 compared to $27.5 million, or $1.61 per diluted share, for the six months ended June 30, 2024, an increase of $4.3 million, or 15.5%. The results for the six months ended June 30, 2025 were positively impacted by a $3.2 million increase in net interest income, a decrease of $2.6 million in the provision for credit losses and a $1.3 million increase in noninterest income, partially offset by a $1.6 million increase in noninterest expense. Details of the changes in the various components of net income are further discussed below.
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Net Interest Income.  The following table presents the distribution of average assets, liabilities and equity, as well as interest income earned on average interest-earning assets and interest expense paid on average interest-bearing liabilities. All average balances are daily average balances. Nonaccruing loans have been included in the table as loans carrying a zero yield.
 
Six Months Ended
 June 30, 2025June 30, 2024
(Dollars in thousands)Average
Balance
Outstanding		Interest
Earned /
Paid		Yield /
Rate		Average
Balance
Outstanding		Interest
Earned /
Paid		Yield /
Rate
Assets
Interest-earning assets
Loans receivable(1)
$3,803,259$119,053 6.31 %$3,874,740$122,113 6.34 %
Debt securities available for sale151,1273,445 4.60 130,5102,808 4.33 
Other interest-earning assets(2)
177,5514,778 5.43 135,9363,848 5.69 
Total interest-earning assets4,131,937127,276 6.21 4,141,186128,769 6.25 
Other assets264,865282,550
Total assets$4,396,802$4,423,736
Liabilities and equity
Interest-bearing liabilities
Interest-bearing checking accounts$568,540$2,575 0.91 %$588,567$2,870 0.98 %
Money market accounts1,337,73118,180 2.74 1,289,75819,340 3.02 
Savings accounts182,84475 0.08 189,88784 0.09 
Certificate accounts909,78718,389 4.08 895,24219,162 4.30 
Total interest-bearing deposits2,998,90239,219 2.64 2,963,45441,456 2.81 
Junior subordinated debt10,142411 8.17 10,042470 9.41 
Borrowings21,780510 4.72 95,2352,902 6.13 
Total interest-bearing liabilities3,030,82440,140 2.67 3,068,73144,828 2.94 
Noninterest-bearing deposits732,123789,565
Other liabilities65,36750,224
Total liabilities3,828,3143,908,520
Stockholders' equity568,488515,216
Total liabilities and stockholders' equity$4,396,802$4,423,736
Net earning assets$1,101,113$1,072,455
Average interest-earning assets to average interest-bearing liabilities136.33 %134.95 %
Non-tax-equivalent
Net interest income$87,136 $83,941 
Interest rate spread3.54 %3.31 %
Net interest margin(3)
4.25 %4.08 %
Tax-equivalent(4)
Net interest income$87,985 $84,645 
Interest rate spread3.58 %3.35 %
Net interest margin(3)
4.29 %4.11 %
(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 $849 and $704 for the six months ended June 30, 2025 and June 30, 2024, respectively, calculated based on a combined federal and state tax rate of 24%.
Total interest and dividend income for the six months ended June 30, 2025 decreased $1.5 million, or 1.2%, compared to the six months ended June 30, 2024, which was driven by a $3.1 million, or 2.5%, decrease in interest income on loans, partially offset by a combined $1.6 million, or 23.5%, increase in interest income on debt securities available for sale and other interest-earning assets. Accretion income on acquired loans of $1.3 million and $1.4 million was recognized during the same periods, respectively, and was included in interest income on loans. The overall decrease in average yield on interest-earning assets was mainly the result of a decline in average balances, specifically for the loan portfolio where we continue to be focused on prudent loan growth.
Total interest expense for the six months ended June 30, 2025 decreased $4.7 million, or 10.5%, compared to the six months ended June 30, 2024. The change was primarily the result of a decrease in the average balance of borrowings in addition to the cost of funds across all funding sources.
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The following table shows the effects that changes in average balances (volume), including the difference in the number of days in the periods compared, and average interest rates (rate) had on the interest earned on interest-earning assets and interest paid on interest-bearing liabilities:
Increase / (Decrease)
Due to		Total
Increase /
(Decrease)
(Dollars in thousands)VolumeRate
Interest-earning assets
Loans receivable$(2,583)$(477)$(3,060)
Debt securities available for sale434 203 637 
Other interest-earning assets1,165 (235)930 
Total interest-earning assets(984)(509)(1,493)
Interest-bearing liabilities
Interest-bearing checking accounts(105)(190)(295)
Money market accounts669 (1,829)(1,160)
Savings accounts(3)(6)(9)
Certificate accounts260 (1,033)(773)
Junior subordinated debt4 (63)(59)
Borrowings(2,240)(152)(2,392)
Total interest-bearing liabilities(1,415)(3,273)(4,688)
Increase in net interest income$3,195 
Provision for Credit Losses.  The following table presents a breakdown of the components of the provision for credit losses:
Six Months Ended
(Dollars in thousands)
June 30, 2025
June 30, 2024
$ Change% Change
Provision for credit losses
Loans$2,185 $5,445 $(3,260)(60)%
Off-balance-sheet credit exposure658 (20)678 3,390 
Total provision for credit losses$2,843 $5,425 $(2,582)(48)%
For the six months ended June 30, 2025, the "loans" portion of the provision for credit losses was the result of the following, offset by net charge-offs of $3.3 million during the period.
•$0.9 million benefit driven by changes in the loan mix.
•$1.6 million benefit due to changes in qualitative adjustments, partially offset by a slight worsening of the projected economic forecast, specifically the national unemployment rate. Of note, we released the $2.2 million qualitative allocation previously established for the potential impact of Hurricane Helene upon our loan portfolio which had been established in the quarter ended September 30, 2024. Any residual impact of the Hurricane is believed to have now been reflected elsewhere within the ACL calculation.
•$1.4 million increase in specific reserves on individually evaluated loans.
For the six months ended June 30, 2024, the "loans" portion of the provision for credit losses was the result of the following, in addition to net charge-offs of $4.9 million during the period:
•$1.3 million benefit due to changes in the projected economic forecast, specifically the national unemployment rate, and changes in qualitative adjustments.
•$1.8 million increase in specific reserves on individually evaluated loans which was proportional to the increase in the associated loan balances which increased from $8.1 million to $16.3 million during the six month period, concentrated in the equipment finance and SBA portfolios.
For the six months ended June 30, 2025 and June 30, 2024, the amounts recorded for off-balance-sheet credit exposure were the result of changes in the balance of loan commitments, loan mix and projected economic forecast as outlined above.
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Noninterest Income.  Noninterest income for the six months ended June 30, 2025 increased $1.3 million, or 7.4%, when compared to the same period last year. Changes in the components of noninterest income are discussed below:
Six Months Ended
(Dollars in thousands)
June 30, 2025
June 30, 2024
$ Change% Change
Noninterest income
Service charges and fees on deposit accounts$4,746 $4,503 $243 5 %
Loan income and fees1,269 1,325 (56)(4)
Gain on sale of loans held for sale4,017 3,285 732 22 
BOLI income1,694 2,642 (948)(36)
Operating lease income3,255 3,450 (195)(6)
Gain on sale of branches1,448 — 1,448 100 
Gain (loss) on sale of premises and equipment28 (9)37 411 
Other1,727 1,728 (1)— 
Total noninterest income$18,184 $16,924 $1,260 7 %
•Gain on sale of loans held for sale: The increase in the gain on sale of loans held for sale was primarily driven by HELOCs and residential mortgage loans sold during the period. During the six months ended June 30, 2025, there were $198.2 million of HELOCs sold during the current period for gains of $2.0 million compared to $40.7 million sold and gains of $473,000 for the corresponding period in the prior year. There were $49.1 million of residential mortgage loans originated for sale which were sold with gains of $1.0 million compared to $36.6 million sold with gains of $667,000 for the corresponding period in the prior year. There were $11.9 million of sales of the guaranteed portion of SBA commercial loans with gains of $936,000 compared to $25.6 million sold and gains of $2.1 million for the corresponding period in the prior year. Our hedging of mandatory commitments on the residential mortgage loan pipeline resulted in a net gain of $40,000 for the six months ended June 30, 2025 versus a net loss of $3,000 for the six months ended June 30, 2024.
•BOLI income: The decrease was due to $1.1 million in tax-free gains on death benefit proceeds in excess of the cash surrender value of the policies recognized in the prior period, partially offset by higher yielding policies as a result of restructuring the portfolio at the end of the prior calendar year.
•Gain on sale of branches: As discussed earlier, during the current period we completed the previously announced sale of our two Knoxville, Tennessee branches, recognizing a gain of $1.4 million in the current period.
Noninterest Expense.  Noninterest expense for the six months ended June 30, 2025 increased $2.1 million, or 3.6%, when compared to the same period last year. Changes in the components of noninterest expense are discussed below:
Six Months Ended
(Dollars in thousands)
June 30, 2025
June 30, 2024
$ Change% Change
Noninterest expense
Salaries and employee benefits$35,907 $33,584 $2,323 7 %
Occupancy expense, net4,886 4,856 30 1 
Computer services5,293 6,204 (911)(15)
Operating lease depreciation expense3,657 3,565 92 3 
Telephone, postage and supplies1,107 1,165 (58)(5)
Marketing and advertising894 1,251 (357)(29)
Deposit insurance premiums984 1,085 (101)(9)
Core deposit intangible amortization926 1,329 (403)(30)
Other8,562 7,580 982 13 
Total noninterest expense$62,216 $60,619 $1,597 3 %
•Salaries and employee benefits: The increase was primarily the result of increases in both pay and incentive compensation.
•Computer services: As discussed earlier, the decrease in expense year-over-year is a reflection of the improved vendor pricing associated with the multiyear renewal of our largest core processing contract.
•Marketing and advertising: The decrease was the result of a reduction in spending in the six months ended June 30, 2025 when compared to the same period of the prior year, as we re-evaluated our marketing strategy for future periods.
•Core deposit intangible amortization: The intangible recorded associated with the Quantum merger is being amortized on an accelerated basis, so the rate of amortization slowed year-over-year.
•Other: The increase period-over-period was driven by increases of $274,000 in losses on the sale repossessed equipment, $234,000 in community association banking deposit line of business referral fees, and $224,000 in consulting fees.
Income Taxes. The amount of income tax expense is influenced by the amount of pre-tax income, tax-exempt income, changes in the statutory rate and the effect of changes in valuation allowances maintained against deferred tax benefits. The effective tax rate was 21.1% for both the six months ended June 30, 2025 and June 30, 2024.
Comparison of Financial Condition at June 30, 2025 and December 31, 2024
General.  Total assets decreased by $17.4 million to $4.6 billion and total liabilities decreased by $44.9 million to $4.0 billion, respectively, at June 30, 2025 as compared to December 31, 2024. These changes can be traced to the use of the proceeds of both loan sales and the maturities
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of debt securities and certificates of deposit to fund loan growth. Total deposits declined by $113.0 million over the same period. The decrease was mainly the result of a reduction in brokered deposits of $96.5 million and $34.3 million of deposits which were assumed by the purchaser of our two Knoxville, Tennessee branches. Borrowings increased by $77.0 million to provide additional liquidity.
Cash and Cash Equivalents.  Total cash and cash equivalents increased $18.0 million, or 6.4%, to $297.2 million at June 30, 2025 from $279.2 million at December 31, 2024.
Debt Securities Available for Sale.  Debt securities available for sale decreased $8.1 million, or 5.3%, to $143.9 million at June 30, 2025 from $152.0 million at December 31, 2024.
Loans Held for Sale. Loans held for sale decreased $35.2 million, or 17.1%, to $170.9 million at June 30, 2025 from $206.2 million at December 31, 2024. This was driven by a decrease of $39.2 million, or 22.3%, in HELOCs held for sale due to loan sales during the current quarter, partially offset by a $4.2 million, or 18.3%, increase in SBA loans held for sale.
Loans, Net of Deferred Loan Fees and Costs.  Total loans increased $23.7 million, to $3.7 billion at June 30, 2025 as compared to the balance at December 31, 2024. The following table illustrates the changes within the portfolio:
As ofChangePercent of Total
June 30, 2025
December 31, 2024
June 30, 2025
December 31, 2024
(Dollars in thousands)$%
Commercial real estate loans
Construction and land development$267,494 $274,356 $(6,862)(3)%7 %8 %
Commercial real estate – owner occupied561,623 545,490 16,133 3 15 15 
Commercial real estate – non-owner occupied877,440 866,094 11,346 1 24 24 
Multifamily113,416 120,425 (7,009)(6)3 3 
Total commercial real estate loans1,819,973 1,806,365 13,608 1 49 50 
Commercial loans
Commercial and industrial367,359 316,159 51,200 16 10 9 
Equipment finance360,499 406,400 (45,901)(11)10 11 
Municipal leases168,623 165,984 2,639 2 5 5 
Total commercial loans896,481 888,543 7,938 1 25 25 
Residential real estate loans
Construction and land development53,020 53,683 (663)(1)1 1 
One-to-four family640,287 630,391 9,896 2 17 17 
HELOCs205,918 195,288 10,630 5 6 5 
Total residential real estate loans899,225 879,362 19,863 2 24 23 
Consumer loans56,272 74,029 (17,757)(24)2 2 
Total loans, net of deferred loan fees and costs$3,671,951 $3,648,299 $23,652 1 %100 %100 %
Asset Quality. Nonperforming assets, made up of nonaccrual loans and repossessed assets, increased by $2.5 million, or 8.9%, to $30.5 million, or 0.67% of total assets, at June 30, 2025 compared to $28.0 million, or 0.61% of total assets, at March 31, 2025. Owner occupied commercial real estate ("CRE") made up the largest portion of nonperforming assets at $8.9 million and $8.6 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 $6.0 million and $5.1 million, respectively, at these same dates, concentrated in the transportation sector. The ratio of nonperforming loans to total loans was 0.81% at June 30, 2025 compared to 0.74% at March 31, 2025.
Nonperforming assets increased by $1.7 million, or 6.1%, to $30.5 million, or 0.67% of total assets, at June 30, 2025 compared to $28.8 million, or 0.63% of total assets, at December 31, 2024, with the composition of nonperforming assets remaining consistent between periods. The ratio of nonperforming loans to total loans was 0.81% at June 30, 2025 compared to 0.76% at December 31, 2024.
Classified assets increased by $8.2 million, or 20.0%, to $48.8 million, or 1.07% of total assets, as of June 30, 2025 when compared to the balance of $40.7 million, or 0.89% of total assets, at March 31, 2025. The drivers of the change were increases of $3.2 million in Equipment Finance loans, $2.3 million in commercial and industrial loans, and $1.6 million in owner-occupied CRE loans. Classified assets increased by $69,000, or 0.14%, to $48.8 million, or 1.07% of total assets, as of June 30, 2025 when compared to the balance of $48.8 million, or 1.06% of total assets, at December 31, 2024. The largest portfolios of classified assets at June 30, 2025 included $14.5 million of owner-occupied CRE loans, $8.6 million of equipment finance loans, $6.5 million of both 1-4 family residential real estate and commercial and industrial loans, $5.4 million of HELOCs, and $4.7 million of non-owner occupied CRE loans.
Lastly, in an effort to assist customers in their post-Hurricane Helene recovery and clean-up efforts, at the end of the prior calendar year we granted payment deferrals of up to six months to provide short-term relief to impacted customers. The outstanding balance of these deferrals declined from $136.0 million at December 31, 2024 to $18.9 million at June 30, 2025. As stated earlier, after reassessing the remaining exposure and the sufficiency of the ACL in place, in the current quarter we released the $2.2 million qualitative allocation previously established for the storm upon our loan portfolio which had been established in the quarter ended September 30, 2024. To date, $27,000 in charge-offs have been recognized which were directly related to Hurricane Helene.
Allowance for Credit Losses on Loans. The ACL on loans was $44.1 million, or 1.20% of total loans, at June 30, 2025 compared to $45.3 million, or 1.24% of total loans, at December 31, 2024. The drivers of this change are discussed in the "Comparison of Results of Operations for the Six Months Ended June 30, 2025 and June 30, 2024 – Provision for Credit Losses" section above.
43

Net loan charge-offs totaled $3.3 million for the six months ended June 30, 2025 compared to $4.9 million for the same period last year. Annualized net charge-offs as a percentage of average loans were 0.18% for the six months ended June 30, 2025 as compared to 0.25% for the six months ended June 30, 2024.
Premises and Equipment.  Premises and equipment decreased by $7.2 million, or 10.3%, to $62.7 million at June 30, 2025 from $69.9 million at December 31, 2024. The majority of the change can be traced to the completion of the sale of our two Knoxville, Tennessee branches, which included the sale of $6.3 million of premises and equipment.
Deposits.  The following table summarizes the composition of our deposit portfolio as of the dates indicated:
(Dollars in thousands)
June 30, 2025
December 31, 2024$ Change% Change
Core deposits
Noninterest-bearing accounts$698,843 $680,926 $17,917 3 %
NOW accounts561,524 575,238 (13,714)(2)
Money market accounts1,323,762 1,341,995 (18,233)(1)
Savings accounts179,980 181,317 (1,337)(1)
Total core deposits2,764,109 2,779,476 (15,367)(1)
Certificates of deposit902,069 999,727 (97,658)(10)
Total$3,666,178 $3,779,203 $(113,025)(3)%
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 June 30, 2025, the Company had the ability to borrow $386.8 million through additional FHLB advances and $2.8 million through the unused portion of a line of credit with the FRB. At this same date, the Company maintained revolving lines of credit with three unaffiliated banks which totaled $165.0 million, all of which was unused.
We also classify our securities portfolio as available for sale, providing an additional source of liquidity. Management believes that our securities portfolio is of high quality, of short duration, and the securities would therefore be readily marketable. In addition, we have historically sold fixed-rate mortgage loans in the secondary market to reduce interest rate risk and to create still another source of liquidity. From time to time we also utilize brokered time deposits to supplement our other sources of funds. Brokered time deposits are obtained by utilizing an outside broker that is paid a fee. This funding requires advance notification to structure the type of deposit desired by us. Brokered deposits can vary in term from one month to several years and have the benefit of being a source of longer-term funding. We also utilize brokered deposits to help manage interest rate risk by extending the term to repricing of our liabilities, enhance our liquidity and fund asset growth. Brokered deposits are typically from outside our primary market areas, and our brokered deposit levels may vary from time to time depending on competitive interest rate conditions and other factors. At June 30, 2025, brokered deposits totaled $290.6 million, or 7.9% 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 June 30, 2025, we (on an unconsolidated basis) had liquid assets of $7.2 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 June 30, 2025, the total approved loan commitments and unused lines of credit outstanding amounted to $299.5 million and $797.1 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 June 30, 2025 totaled $881.5 million. It is management's policy to manage deposit rates that are competitive with other local financial institutions. Based on this strategy, we believe that a majority of maturing deposits will be retained.
Off-Balance Sheet Activities
In the normal course of operations, we engage in a variety of financial transactions that are not recorded in our financial statements, mainly to manage customers' requests for funding. These transactions primarily take the form of loan commitments and lines of credit and involve varying degrees of off-balance sheet credit, interest rate and liquidity risks. For further information, see "Note 13 – Commitments and Contingencies" in this Quarterly Report on Form 10-Q.
Capital Resources
HomeTrust Bancshares, Inc. is a bank holding company subject to regulation by the Federal Reserve. As a bank holding company, we are subject to capital adequacy requirements of the Federal Reserve under the Bank Holding Company Act of 1956, as amended and the 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
44

to bank holding companies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by bank regulators that, if undertaken, could have a direct material effect on the Company's financial statements.
Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank’s assets, liabilities and certain off-balance-sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors.
At June 30, 2025, HomeTrust Bancshares, Inc. and the Bank each exceeded all regulatory capital requirements. Consistent with the Company's goals to operate a sound and profitable organization, its policy is for the Bank to maintain a “well-capitalized” status under the regulatory capital categories of the Federal Reserve. The Bank was categorized as "well-capitalized" at June 30, 2025 under applicable regulatory requirements.
HomeTrust Bancshares, Inc. and the Bank's actual and required minimum capital amounts and ratios are as follows:
 Regulatory Requirements
ActualMinimum for Capital
Adequacy Purposes		Minimum to Be
Well Capitalized
(Dollars in thousands)AmountRatioAmountRatioAmountRatio
HomeTrust Bancshares, Inc.
June 30, 2025
CET1 Capital (to risk-weighted assets)$539,722 13.12 %$185,154 4.50 %$267,445 6.50 %
Tier I Capital (to total adjusted assets)549,892 12.71 173,107 4.00 216,383 5.00 
Tier I Capital (to risk-weighted assets)549,892 13.36 246,872 6.00 329,163 8.00 
Total Risk-based Capital (to risk-weighted assets)597,836 14.53 329,163 8.00 411,453 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      
June 30, 2025      
CET1 Capital (to risk-weighted assets)$535,800 13.02 %$185,149 4.50 %$267,437 6.50 %
Tier I Capital (to total adjusted assets)535,800 12.39 173,015 4.00 216,269 5.00 
Tier I Capital (to risk-weighted assets)535,800 13.02 246,865 6.00 329,153 8.00 
Total Risk-based Capital (to risk-weighted assets)583,744 14.19 329,153 8.00 411,442 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 June 30, 2025, the Company's and Bank's risk-based capital exceeded the required capital contribution buffer.
Dividends paid by HomeTrust Bank are limited, without prior regulatory approval, to current year earnings and earnings less dividends paid during the preceding two years.
Item 3. Quantitative and Qualitative Disclosures About Market Risk
There has not been any material change in the market risk disclosures contained in our 2024 Form 10-K.
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 June 30, 2025, was carried out under the supervision and with the participation of the Company's Chief Executive Officer, Chief Financial Officer and several other members of the Company's senior management. The Company's Chief Executive Officer and Chief Financial Officer concluded that the Company's disclosure controls and procedures in effect as
45

of June 30, 2025, were effective in ensuring that the information required to be disclosed by the Company in the reports it files or submits under the Act is: (i) accumulated and communicated to the Company's management (including the Chief Executive Officer and Chief Financial Officer) in a timely manner and (ii) recorded, processed, summarized and reported within the time periods specified in the SEC's rules and forms.
The Company does not expect that its disclosure controls and procedures and internal control over financial reporting will prevent all errors and all fraud. A control procedure, no matter how well conceived and operated, can provide only reasonable, not absolute, assurance that the objectives of the control procedure are met. Because of the inherent limitations in all control procedures, no evaluation of controls can provide absolute assurance that all control issues and instances of fraud, if any, within the Company have been detected. These inherent limitations include the realities that judgments in decision-making can be faulty, and that breakdowns can occur because of simple error or mistake. Additionally, controls may be circumvented by the individual acts of some persons, by collusion of two or more people, or by override of the control. The design of any control procedure also is based in part upon certain assumptions about the likelihood of future events, and there can be no assurance that any design will succeed in achieving its stated goals under all potential future conditions; over time, controls may become inadequate because of changes in conditions, or the degree of compliance with the policies or procedures may deteriorate. Because of the inherent limitations in a cost-effective control procedure, misstatements due to error or fraud may occur and not be detected.
Changes in Internal Controls: There have been no changes in the Company’s internal control over financial reporting during the quarter ended June 30, 2025 that have materially affected, or are reasonably likely to materially affect, the Company’s internal control over financial reporting.
PART II. OTHER INFORMATION
Item 1. Legal Proceedings
The "Litigation" section of "Note 13 – Commitments and Contingencies" to the Consolidated Financial Statements included in Part I, Item 1 is incorporated herein by reference.
Item 1A. Risk Factors
There have been no material changes in the Risk Factors previously disclosed in Item 1A of the 2024 Form 10-K.
Item 2. Unregistered Sales of Equity Securities and Use of Proceeds
(a) Not applicable
(b) Not applicable
(c) The following table provides information about repurchases of common stock by the Company during the quarter ended June 30, 2025:
PeriodTotal # of Shares PurchasedAverage Price Paid per ShareTotal # of Shares Purchased as Part of Publicly Announced PlansMaximum # of
Shares that May
Yet Be Purchased Under Publicly Announced Plans
April 1 - April 30, 2025— $— — 228,356 
May 1 - May 31, 202533,300 35.40 33,300 195,056 
June 1 - June 30, 202545,112 35.99 45,112 149,944 
Total78,412 $35.74 78,412 149,944 
Over the years as a public company, the Company's Board of Directors has, from time to time, authorized the repurchase of its common stock. The most recent time this was done, on February 28, 2022, 806,000 shares of common stock were authorized for repurchase representing approximately 5% of the Company's outstanding shares at the time of the announcement. As of June 30, 2025, 656,056 of these shares had been purchased at an average price of $29.76 per share, 93,212 of which were repurchased during the six months ended June 30, 2025. The shares may be purchased in the open market or in privately negotiated transactions, from time to time depending upon market conditions and other factors.
Item 3. Defaults Upon Senior Securities
Nothing to report.
Item 4. Mine Safety Disclosures
Not applicable.
Item 5. Other Information
Trading Plans: During the quarter ended June 30, 2025, no director or officer (as defined in Rule 16a-1(f) under the Exchange Act) of the Company adopted or terminated a "Rule 10b5-1 trading arrangement" or "non-Rule 10b5-1 trading arrangement," as each term is defined in Item 408(a) of Regulation S-K.
Item 6. Exhibits
Regulation
S-K Exhibit #		DocumentReference to Prior Filing or Exhibit # Attached Hereto
   
3.1(d)
3.2(w)
46

Regulation
S-K Exhibit #		DocumentReference to Prior Filing or Exhibit # Attached Hereto
10.1(n)
10.2(a)
10.3(g)
10.3A(b)
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)
47

Regulation
S-K Exhibit #		DocumentReference to Prior Filing or Exhibit # Attached Hereto
10.14(q)
10.14A(u)
10.14B(u)
10.14C(u)
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).


48

SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.
HOMETRUST BANCSHARES, INC.
Date: August 8, 2025By:/s/ C. Hunter Westbrook
C. Hunter Westbrook
President and Chief Executive Officer
(Duly Authorized Officer)
Date: August 8, 2025By:/s/ Tony J. VunCannon
Tony J. VunCannon
Executive Vice President, CFO, Corporate Secretary and Treasurer
(Principal Financial and Accounting Officer)

49

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