Companies: 11,396     total market cap: $149.667 T
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HomeTrust Bancshares
HTB
#6837
Rank
$0.74 B
Marketcap
๐Ÿ‡บ๐Ÿ‡ธ United States
Country
$47.28
Share price
0.13%
Change (1 day)
17.15%
Change (1 year)
๐Ÿฆ Banks๐Ÿ’ณ Financial services
Categories
  1. HomeTrust Bancshares
  2. Quarterly Reports (10-Q)
  3. Financial Year FY2026 Q3

HomeTrust Bancshares - 10-Q quarterly report FY2026 Q3


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UNITED STATES SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-Q

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

For the quarterly period ended September 30, 2026

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

For the transition period from _______ to ________

Commission file number:     001-35593

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

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

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

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

Securities Registered Pursuant to Section 12(b) of the Act:
Title of each 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 15,816,410 shares of common stock, par value of $0.01 per share, issued and outstanding as of October 30, 2026.


HOMETRUST BANCSHARES, INC. AND SUBSIDIARIES
FORM 10-Q
TABLE OF CONTENTS
Page
Item 1
Consolidated Balance Sheets at September 30, 2026 (Unaudited) and December 31, 2025
3
Consolidated Statements of Income (Unaudited) for the Three and Nine Months Ended September 30, 2026 and 2025
4
5
6
Consolidated Statements of Cash Flows (Unaudited) for the Nine Months Ended September 30, 2026 and 2025
8
Notes to Consolidated Financial Statements
10
Item 2
34
Item 3
48
Item 4
48
Item 1
49
Item 1A
49
Item 2
49
Item 3
49
Item 4
49
Item 5
49
Item 6
50
52

1

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

2

PART I. FINANCIAL INFORMATION
Item 1. Financial Statements
HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Consolidated Balance Sheets
(Dollars in thousands, except per share data)
(Unaudited)
September 30, 2026December 31, 2025
Assets
Cash$15,001 $14,411 
Interest-bearing deposits231,465 310,281 
Cash and cash equivalents246,466 324,692 
Certificates of deposit in other banks8,697 18,841 
Debt securities available for sale, at fair value (amortized cost of $143,078 and $141,793 at September 30, 2026 and December 31, 2025, respectively)
138,658 142,540 
FHLB and FRB stock15,983 13,636 
SBIC investments20,754 18,818 
Loans held for sale, at fair value4,172 7,005 
Loans held for sale, at the lower of cost or fair value97,317 198,688 
Loans, net of deferred loan fees and costs3,628,326 3,578,154 
Allowance for credit losses – loans(39,501)(41,479)
Loans, net3,588,825 3,536,675 
Premises and equipment, net62,483 62,400 
Accrued interest receivable13,438 15,973 
Deferred income taxes, net11,092 9,922 
Income tax receivable21,422 5,738 
BOLI96,380 93,930 
Goodwill34,111 34,111 
Core deposit intangibles, net3,870 4,848 
Other assets58,089 57,818 
Total assets$4,421,757 $4,545,635 
Liabilities and stockholders' equity
Liabilities
Deposits$3,583,609 $3,709,997 
Junior subordinated debt— 10,220 
Borrowings214,000 165,000 
Other liabilities54,014 59,728 
Total liabilities3,851,623 3,944,945 
Commitments and contingencies – See Note 11
Stockholders' equity
Preferred stock, $0.01 par value, 10,000,000 shares authorized, none issued or outstanding
— — 
Common stock, $0.01 par value, 60,000,000 shares authorized, 15,816,210 and 17,286,289 shares issued and outstanding at September 30, 2026 and December 31, 2025, respectively
158 173 
Additional paid in capital96,598 166,856 
Retained earnings479,823 436,524 
Unearned ESOP shares(3,042)(3,438)
Accumulated other comprehensive income (loss)(3,403)575 
Total stockholders' equity570,134 600,690 
Total liabilities and stockholders' equity$4,421,757 $4,545,635 
The accompanying notes are an integral part of these consolidated financial statements.
3

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Consolidated Statements of Income
(Dollars in thousands, except per share data)
(Unaudited)(Unaudited)
Three Months Ended September 30,Nine Months Ended September 30,
2026202520262025
Interest and dividend income
Loans$59,330 $61,749 $174,562 $180,802 
Debt securities available for sale1,701 1,662 4,972 5,107 
Other investments and interest-bearing deposits1,858 1,984 6,025 6,762 
Total interest and dividend income62,889 65,395 185,559 192,671 
Interest expense
Deposits16,307 19,474 48,735 58,693 
Junior subordinated debt— 207 339 618 
Borrowings119 325 423 835 
Total interest expense16,426 20,006 49,497 60,146 
Net interest income46,463 45,389 136,062 132,525 
Provision for credit losses805 2,015 2,095 4,858 
Net interest income after provision for credit losses45,658 43,374 133,967 127,667 
Noninterest income
Service charges and fees on deposit accounts2,586 2,527 7,627 7,273 
Loan income and fees1,178 577 2,371 1,846 
Gain on sale of loans held for sale1,592 1,725 6,120 5,742 
BOLI income925 882 2,710 2,576 
Operating lease income1,731 1,777 5,030 5,032 
Gain on sale of branches— — — 1,448 
Gain on sale of premises and equipment21 — 1,499 28 
Other1,036 1,263 2,990 2,990 
Total noninterest income9,069 8,751 28,347 26,935 
Noninterest expense
Salaries and employee benefits20,128 18,508 60,174 54,415 
Occupancy expense, net2,551 2,563 7,598 7,449 
Computer services2,934 2,562 8,838 7,855 
Operating lease depreciation expense1,127 1,770 4,021 5,427 
Telephone, postage and supplies558 539 1,648 1,646 
Marketing and advertising837 471 1,838 1,365 
Deposit insurance premiums468 468 1,433 1,452 
Core deposit intangible amortization303 410 979 1,336 
Merger-related expense904 — 904 — 
Loss on redemption of junior subordinated debt securities— — 1,079 — 
Other4,327 3,975 12,579 12,537 
Total noninterest expense34,137 31,266 101,091 93,482 
Income before income taxes20,590 20,859 61,223 61,120 
Income tax expense2,625 4,368 10,856 12,880 
Net income$17,965 $16,491 $50,367 $48,240 
Per share data
Net income per common share
Basic$1.11 $0.96 $3.06 $2.81 
Diluted$1.11 $0.95 $3.04 $2.79 
Average shares outstanding
Basic15,902,548 16,998,549 16,262,982 17,005,206 
Diluted15,999,202 17,130,030 16,378,622 17,117,605 
The accompanying notes are an integral part of these consolidated financial statements.
4

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Consolidated Statements of Comprehensive Income
(Dollars in thousands)
(Unaudited)(Unaudited)
Three Months Ended September 30,Nine Months Ended September 30,
2026202520262025
Net income$17,965 $16,491 $50,367 $48,240 
Other comprehensive income (loss)
Unrealized holding gains (losses) on debt securities available for sale
Gains (losses) arising during the period(3,852)780 (5,167)2,609 
Deferred income tax benefit (expense)887 (179)1,189 (599)
Total other comprehensive income (loss)(2,965)601 (3,978)2,010 
Comprehensive income$15,000 $17,092 $46,389 $50,250 
The accompanying notes are an integral part of these consolidated financial statements.
5

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Consolidated Statements of Changes in Stockholders' Equity
(Dollars in thousands)
(Unaudited)
Three Months Ended September 30, 2026
Common StockAdditional
Paid In
Capital		Retained
Earnings		Unearned
ESOP
Shares		Accumulated
Other
Comprehensive Income (Loss)		Total
Stockholders'
Equity
SharesAmount
Balance at June 30, 202616,727,821 $168 $139,759 $464,285 $(3,174)$(438)$600,600 
Net income— — — 17,965 — — 17,965 
Cash dividends declared on common stock, $0.15/common share
— — — (2,427)— — (2,427)
Common stock repurchased and retired(923,897)(10)(44,806)— — — (44,816)
Forfeited restricted stock(80)— — — — — — 
Retired stock(554)— — — — — — 
Exercised stock options12,920 — 300 — — — 300 
Share-based compensation expense— — 835 — — — 835 
ESOP compensation expense— — 510 — 132 — 642 
Other comprehensive loss— — — — — (2,965)(2,965)
Balance at September 30, 202615,816,210 $158 $96,598 $479,823 $(3,042)$(3,403)$570,134 
(Unaudited)
Three Months Ended September 30, 2025
Common StockAdditional
Paid In
Capital		Retained
Earnings		Unearned
ESOP
Shares		Accumulated
Other
Comprehensive Income (Loss)		Total
Stockholders'
Equity
SharesAmount
Balance at June 30, 202517,492,143 $175 $174,900 $408,178 $(3,703)$(276)$579,274 
Net income— — — 16,491 — — 16,491 
Cash dividends declared on common stock, $0.12/common share
— — — (2,054)— — (2,054)
Retired stock(2,914)— (116)— — — (116)
Granted restricted stock1,000 — — — — — — 
Stock issued for RSUs9,996 — — — — — — 
Exercised stock options20,200 — 515 — — — 515 
Share-based compensation expense— — 593 — — — 593 
ESOP compensation expense— — 397 — 132 — 529 
Other comprehensive income— — — — — 601 601 
Balance at September 30, 202517,520,425 $175 $176,289 $422,615 $(3,571)$325 $595,833 









6

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Consolidated Statements of Changes in Stockholders' Equity
(Dollars in thousands)
(Unaudited)
Nine Months Ended September 30, 2026
Common StockAdditional
Paid In
Capital		Retained
Earnings		Unearned
ESOP
Shares		Accumulated
Other
Comprehensive
Income (Loss)		Total
Stockholders'
Equity
SharesAmount
Balance at December 31, 2025
17,286,289 $173 $166,856 $436,524 $(3,438)$575 $600,690 
Net income— — — 50,367 — — 50,367 
Cash dividends declared on common stock, $0.43/common share
— — — (7,068)— — (7,068)
Common stock repurchased and retired(1,610,743)(18)(75,030)— — — (75,048)
Forfeited restricted stock(3,538)— — — — — — 
Retired stock(55,685)— (593)— — — (593)
Granted restricted stock61,047 — — — — — — 
Exercised stock options138,840 3 1,622 — — — 1,625 
Share-based compensation expense— — 2,315 — — — 2,315 
ESOP compensation expense— — 1,428 — 396 — 1,824 
Other comprehensive loss— — — — — (3,978)(3,978)
Balance at September 30, 202615,816,210 $158 $96,598 $479,823 $(3,042)$(3,403)$570,134 
(Unaudited)
Nine Months Ended September 30, 2025
Common StockAdditional
Paid In
Capital		Retained
Earnings		Unearned
ESOP
Shares		Accumulated
Other
Comprehensive Income (Loss)		Total
Stockholders'
Equity
SharesAmount
Balance at December 31, 202417,527,709 $175 $176,693 $380,541 $(3,966)$(1,685)$551,758 
Net income— — — 48,240 — — 48,240 
Cash dividends declared on common stock, $0.36/common share
— — — (6,166)— — (6,166)
Common stock repurchased and retired(93,212)(1)(3,333)— — — (3,334)
Forfeited restricted stock(3,621)— — — — — — 
Retired stock(14,676)— (558)— — — (558)
Granted restricted stock60,329 — — — — — — 
Stock issued for RSUs9,996 — — — — — — 
Exercised stock options33,900 1 845 — — — 846 
Share-based compensation expense— — 1,579 — — — 1,579 
ESOP compensation expense— — 1,063 — 395 — 1,458 
Other comprehensive income— — — — — 2,010 2,010 
Balance at September 30, 202517,520,425 $175 $176,289 $422,615 $(3,571)$325 $595,833 
The accompanying notes are an integral part of these consolidated financial statements.




7

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Consolidated Statements of Cash Flows
(Dollars in thousands)
(Unaudited)
Nine Months Ended September 30,
20262025
Operating activities
Net income$50,367 $48,240 
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses2,095 4,858 
Depreciation and amortization of premises and equipment and equipment for operating leases7,091 8,437 
Deferred income tax expense19 346 
Net accretion of purchase accounting adjustments on loans(2,427)(1,694)
Net amortization and accretion1,353 2,920 
SBIC investments income(1,306)(2,254)
Gain on sale of branches— (1,448)
Gain on sale of premises and equipment(1,499)(28)
Loss on repossessed assets86 331 
(Gain) loss on previously leased equipment(98)1,525 
Loss on redemption of junior subordinated debt securities1,079 — 
BOLI income(2,710)(2,576)
Gain on sale of loans held for sale(6,120)(5,742)
Origination of loans held for sale(236,270)(352,105)
Proceeds from sales of loans held for sale322,504 353,638 
New deferred loan origination fees, net1,919 76 
Amortization of tax credit equity investments2,981 282 
(Increase) decrease in accrued interest receivable, income tax receivable and other assets(15,541)4,422 
Share-based compensation expense2,315 1,579 
ESOP compensation expense1,824 1,458 
Decrease in accrued interest payable and other liabilities(5,054)(9,385)
Net cash provided by operating activities122,608 52,880 
Investing activities
Purchase of debt securities available for sale(31,413)(11,683)
Proceeds from maturities, calls and paydowns of debt securities available for sale30,769 21,550 
Purchases of CDs in other banks— (1,742)
Proceeds from maturities of CDs in other banks10,144 9,447 
Net purchase of FHLB and FRB stock(2,347)(695)
Net capital contributions in SBIC investments(630)(975)
Net capital redemption of (contribution in) tax credit equity investments514 (1,276)
Net capital contribution in fintech equity investments(750)— 
Net (increase) decrease in loans(45,014)11,216 
Purchase of BOLI(8)(30)
Proceeds from redemption of BOLI policies— 2,174 
Death benefit proceeds from BOLI policies268 — 
Purchase of equipment for operating leases - lessor(733)(2,550)
Proceeds from sale of equipment for operating leases - lessor8,317 1,410 
Purchase of premises and equipment(3,201)(3,123)
Proceeds from sale of premises and equipment and assets held for sale2,205 7,652 
Proceeds from sale of repossessed assets858 544 
Net cash (used in) provided by investing activities(31,021)31,919 





8

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Consolidated Statements of Cash Flows (continued)
(Dollars in thousands)
(Unaudited)
Nine Months Ended September 30,
20262025
Financing activities
Deposits assumed by third parties through branch sales— (34,252)
Net decrease in deposits(126,388)(46,724)
Net increase in short-term borrowings49,000 42,000 
Redemption of junior subordinated debt securities(11,341)— 
Common stock repurchased(75,048)(3,334)
Cash dividends paid(7,068)(6,166)
Retired stock(593)(558)
Exercised stock options1,625 846 
Net cash used in financing activities(169,813)(48,188)
Net (decrease) increase in cash and cash equivalents(78,226)36,611 
Cash and cash equivalents at beginning of period324,692 279,219 
Cash and cash equivalents at end of period$246,466 $315,830 
Supplemental disclosures
Cash paid during the period for
Interest$52,980 $65,309 
Income taxes, net of refunds25,730 14,593 
Noncash transactions
Unrealized (loss of) gain in value of debt securities available for sale, net of income taxes$(3,978)$2,010 
Transfers of loans held for sale to loans held for investment23,645 15,026 
Transfers of loans held for investment to repossessed assets5,065 293 
Transfer of premises and equipment to assets held for sale— 7,624 
ROU asset and lease liabilities for operating lease accounting— 776 
The accompanying notes are an integral part of these consolidated financial statements.
9

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
1.    Summary of Significant Accounting Policies
The consolidated unaudited financial statements presented in this report include the accounts of HomeTrust Bancshares, Inc., a Maryland corporation (“HomeTrust”), and its wholly-owned subsidiary, HomeTrust Bank (the “Bank”). As used throughout this report, the term the “Company” refers to HomeTrust and its consolidated subsidiary, unless the context otherwise requires. HomeTrust is a bank holding company primarily engaged in the business of planning, directing and coordinating the business activities of the Bank. The Bank is a North Carolina state chartered bank and provides a wide range of retail and commercial banking products within its geographic footprint, which includes: North Carolina (the Asheville metropolitan area, the "Piedmont" region, Charlotte and Raleigh/Cary), South Carolina (Greenville and Charleston), East Tennessee (Kingsport/Johnson City and Morristown), Southwest Virginia (the Roanoke Valley) and Georgia (Greater Atlanta). The Company operates under a single set of corporate policies and procedures and its operations are considered to be aggregated in one reportable operating segment for financial reporting purposes.
As a result of its merger with Quantum on February 12, 2023, HomeTrust became the 100% successor owner of the Quantum Capital Statutory Trust II ("the Trust") Delaware trust. The sole assets of the trust represented the proceeds of offerings loaned in exchange for subordinated debentures with similar terms to the trust preferred securities; however, the Company elected to redeem the junior subordinated debt securities on June 15, 2026 as discussed further in "Note 7 – Borrowings – Junior Subordinated Debentures." As its sole purpose has been fulfilled, the Company dissolved the trust in the third quarter of 2026.
The accompanying unaudited consolidated financial statements have been prepared in accordance with US GAAP for interim financial information and in accordance with the instructions to Form 10-Q and Article 10 of Regulation S-X as promulgated by the SEC. Accordingly, they do not include all the information and footnotes required by US GAAP for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation of the financial position and results of operations for the periods presented have been included. It is recommended that these unaudited interim consolidated financial statements be read in conjunction with the audited consolidated financial statements and notes thereto included in the Company's Annual Report on Form 10-K for the year ended December 31, 2025 ("2025 Form 10-K") filed with the SEC on March 13, 2026. The results of operations for the nine months ended September 30, 2026 are not necessarily indicative of results that may be expected for the fiscal year ending December 31, 2026, the period which will be covered on a Report on Form 10-K.
The preparation of financial statements in conformity with US GAAP requires management to make estimates and assumptions that affect amounts reported in the financial statements. Various elements of the Company's accounting policies, by their nature, are inherently subject to estimation techniques, valuation assumptions and other subjective assessments. In particular, management has identified the determination of the provision and the ACL on loans as an accounting policy that, due to the judgments, estimates and assumptions inherent in the policy, is critical to an understanding of the Company's financial statements. This policy and the related judgments, estimates and assumptions are described in greater detail in the notes to the Consolidated Financial Statements and Management's Discussion and Analysis of Financial Condition and Results of Operations (Critical Accounting Policies and Estimates) in the 2025 Form 10-K. Management believes that the judgments, estimates and assumptions used in the preparation of the financial statements are appropriate based on the factual circumstances at the time. However, given the sensitivity of the financial statements to this critical accounting policy, the use of other judgments, estimates and assumptions could result in material differences in the Company's results of operations or financial condition. Further, subsequent changes in economic or market conditions could have a material impact on these estimates and the Company's financial condition and operating results in future periods.
Reclassifications and corrections. To maintain consistency and comparability, certain amounts from prior periods have been reclassified to conform to current period presentation with no effect on net income or stockholders’ equity as previously reported.
2.    Recent Accounting Pronouncements
Newly Issued but Not Yet Effective Accounting Standards
ASU 2024-03, "Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses." In November 2024, the FASB issued ASU 2024-03 which requires entities to disclose more detailed information about certain costs and expenses related to purchases of inventory, employee compensation, depreciation and intangible asset amortization amongst other items. This ASU is effective for public business entities for annual reporting periods beginning after December 15, 2026 and interim periods beginning after December 15, 2027. The adoption of the provisions of ASU 2024-03 is not expected to have an impact on the Company's operating results or financial condition, but will impact disclosures.
ASU 2025-06, "Intangibles—Goodwill and Other—Internal-Use Software (Subtopic 350-40): Targeted Improvements to the Accounting for Internal-Use Software." In September 2025, the FASB issued ASU 2025-06 which removes all references to prescriptive and sequential software development stages (i.e., project stages), instead requiring an entity to start capitalizing software costs when both of the following occur: 1) management has authorized and committed to funding the software project, and 2) it is probable that the project will be completed and the software will be used to perform the intended function. This ASU is effective for public business entities for interim and annual reporting periods beginning after December 15, 2027. The adoption of the provisions of ASU 2025-06 is not expected to have a material effect on the Company's operating results or financial condition.
ASU 2025-08, "Financial Instruments—Credit Losses (Topic 326): Purchased Loans." In November 2025, the FASB issued ASU 2025-08 which simplifies the accounting for acquired loans under CECL by expanding the use of the gross-up method to a new category of purchased seasoned loans, defined as acquired loans purchased more than 90 days after origination, or through a business combination, when the acquirer was not involved in the origination. This ASU is effective for public business entities for interim and annual reporting periods beginning after December 15, 2026. The adoption of the provisions of ASU 2025-06 is not expected to have an impact on the Company's operating results or financial condition, but will impact the Company's accounting for future purchased loans.
10

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
3.    Debt Securities
Debt securities available for sale consist of the following at the dates indicated:
September 30, 2026
Amortized CostGross Unrealized
Gains		Gross Unrealized LossesEstimated
Fair Value
MBS, residential$139,155 $20 $(4,256)$134,919 
Municipal bonds1,423 — (23)1,400 
Corporate bonds2,500 — (161)2,339 
Total$143,078 $20 $(4,440)$138,658 
December 31, 2025
Amortized CostGross Unrealized
Gains		Gross Unrealized
Losses		Estimated
Fair Value
MBS, residential$134,950 $2,003 $(871)$136,082 
Municipal bonds1,843 — (17)1,826 
Corporate bonds5,000 — (368)4,632 
Total$141,793 $2,003 $(1,256)$142,540 
Debt securities available for sale by contractual maturity at September 30, 2026 and December 31, 2025 are shown below. MBS are not included in the maturity categories because the borrowers in the underlying pools may prepay without penalty; therefore, it is unlikely that the securities will pay at their stated maturity schedule.
September 30, 2026
Amortized CostEstimated Fair Value
Due within one year$1,005 $997 
Due after one year through five years1,168 1,153 
Due after five years through ten years1,750 1,589 
Due after ten years— — 
MBS, residential139,155 134,919 
Total$143,078 $138,658 
December 31, 2025
Amortized CostEstimated Fair Value
Due within one year$409 $408 
Due after one year through five years1,434 1,418 
Due after five years through ten years5,000 4,632 
Due after ten years— — 
MBS, residential134,950 136,082 
Total$141,793 $142,540 
The Company had no sales of debt securities available for sale and no gross realized gains or losses were recognized during the nine months ended September 30, 2026 or 2025.
Debt securities available for sale with amortized costs totaling $44,785 and $73,944 and market values of $43,063 and $74,987 at September 30, 2026 and December 31, 2025, respectively, were pledged as collateral to secure various public deposits and other borrowings.
The gross unrealized losses and the fair value of debt securities available for sale aggregated by the length of time that individual securities have been in a continuous unrealized loss position as of September 30, 2026 and December 31, 2025 were as follows:
September 30, 2026
Less than 12 Months12 Months or MoreTotal
Fair
Value		Unrealized
Losses		Fair
Value		Unrealized
Losses		Fair
Value		Unrealized
Losses
MBS, residential$110,040 $(3,258)$14,283 $(998)$124,323 $(4,256)
Municipal bonds497 (3)903 (20)1,400 (23)
Corporate bonds— — 1,589 (161)1,589 (161)
Total$110,537 $(3,261)$16,775 $(1,179)$127,312 $(4,440)
11

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
December 31, 2025
Less than 12 Months12 Months or MoreTotal
Fair
Value		Unrealized
Losses		Fair
Value		Unrealized
Losses		Fair
Value		Unrealized
Losses
MBS, residential$9,478 $(75)$26,409 $(796)$35,887 $(871)
Municipal bonds— — 1,326 (17)1,326 (17)
Corporate bonds— — 3,882 (368)3,882 (368)
Total$9,478 $(75)$31,617 $(1,181)$41,095 $(1,256)
The total number of securities with unrealized losses at September 30, 2026 and December 31, 2025 were 148 and 119, respectively.
Management evaluates securities for impairment where there has been a decline in fair value below the amortized cost basis of a security to determine whether there is a credit loss associated with the decline in fair value on at least a quarterly basis, and more frequently when economic or market concerns warrant such evaluation. All debt securities available for sale in an unrealized loss position as of September 30, 2026 continue to perform as scheduled and management does not believe that there is a credit loss or that a provision for credit losses is necessary. Also, as part of management's evaluation of its intent and ability to hold investments for a period of time sufficient to allow for any anticipated recovery in the market, management considers its investment strategy, cash flow needs, liquidity position, capital adequacy and interest rate risk position. Management does not currently intend to sell the securities within the portfolio and it is not more-likely-than-not that securities will be required to be sold. See "Note 1 – Summary of Significant Accounting Policies" in our 2025 Form 10-K for further discussion.
Management continues to monitor all of its securities with a high degree of scrutiny. There can be no assurance that management will not conclude in future periods that conditions existing at that time indicate some or all of its securities may be sold or would require a charge to earnings as a provision for credit losses in such periods.
Management excludes the accrued interest receivable balance from the amortized cost basis in measuring ECLs on investment securities and does not record an ACL on accrued interest receivable. As of September 30, 2026 and December 31, 2025, the accrued interest receivable for debt securities available for sale was $526 and $554, respectively.
4.    Loans Held For Sale
Loans held for sale, at the lower of cost or fair value, consist of the following as of the dates indicated:
September 30, 2026December 31, 2025
One-to-four family$532 $304 
SBA40,105 35,567 
HELOCs56,680 162,817 
Total loans held for sale, at the lower of cost or fair value$97,317 $198,688 
The carrying balance of loans held for sale, at fair value, was $4,172 and $7,005 at September 30, 2026 and December 31, 2025, respectively, while the amortized cost of these loans was $4,207 and $6,896, respectively, at the same dates.
12

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
5.    Loans and Allowance for Credit Losses on Loans
Loans consist of the following at the dates indicated(1):
September 30, 2026December 31, 2025
Commercial real estate
Construction and land development$336,851 $277,028 
Commercial real estate – owner occupied554,160 562,049 
Commercial real estate – non-owner occupied826,745 832,502 
Multifamily137,122 110,912 
Total commercial real estate1,854,878 1,782,491 
Commercial
Commercial and industrial418,045 378,686 
Equipment finance237,065 311,356 
Municipal leases162,410 166,396 
Total commercial817,520 856,438 
Residential real estate
Construction and land development50,206 45,617 
One-to-four family623,822 633,511 
HELOCs255,991 217,310 
Total residential real estate930,019 896,438 
Consumer25,909 42,787 
Total loans, net of deferred loan fees and costs3,628,326 3,578,154 
Allowance for credit losses – loans(39,501)(41,479)
Loans, net$3,588,825 $3,536,675 
(1)    September 30, 2026 and December 31, 2025 accrued interest receivable of $12,664 and $15,305 was accounted for separately from the amortized cost basis.
All qualifying one-to-four family loans, HELOCs, commercial real estate loans and FHLB of Atlanta stock are pledged as collateral by a blanket pledge to secure outstanding FHLB advances.
Loans are made to the Company's executive officers, directors and their associates during the ordinary course of business. The aggregate amount of loans to related parties totaled $0 at both September 30, 2026 and December 31, 2025. In relation to these loans are unfunded commitments that totaled approximately $3 at both September 30, 2026 and December 31, 2025.
Loans are monitored for credit quality on a recurring basis and the composition of the loans outstanding by credit quality indicator is provided below. Loan credit quality indicators are developed through review of individual borrowers on an ongoing basis. Generally, loans are monitored for performance on a quarterly basis with the credit quality indicators adjusted as needed. The indicators represent the rating for loans as of the date presented based on the most recent assessment performed. These credit quality indicators are defined as follows:
Pass – A pass rated loan is not adversely classified because it does not display any of the characteristics for adverse classification.
Special Mention – A special mention loan has potential weaknesses that deserve management’s close attention. If left uncorrected, such potential weaknesses may result in deterioration of the repayment prospects or collateral position at some future date. Special mention loans are not adversely classified and do not warrant adverse classification.
Substandard – A substandard loan is inadequately protected by the current net worth and paying capacity of the obligor, or of the collateral pledged, if any. Loans classified as substandard generally have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt. These loans are characterized by the distinct possibility of loss if the deficiencies are not corrected.
Doubtful – A loan classified as doubtful has all the weaknesses inherent in a loan classified substandard with the added characteristic that the weaknesses make collection or liquidation in full highly questionable and improbable, on the basis of currently existing facts, conditions and values.
Loss – Loans classified as loss are considered uncollectible and of such little value that their continuing to be carried as a loan is not warranted. This classification is not necessarily equivalent to no potential for recovery or salvage value, but rather that it is not appropriate to defer a full write-off even though partial recovery may be effected in the future.





13

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
The following table presents the credit risk profile by risk grade for commercial real estate, commercial, residential real estate and consumer loans by origination year as of September 30, 2026. Also included in the table detailing loan balances are gross charge-offs for the nine months ended September 30, 2026:
Term Loans By Origination Fiscal Year
September 30, 2026202620252024
2023-S(1)
2023PriorRevolvingTotal
Construction and land development
Risk rating
Pass$124,189 $122,566 $35,872 $14,123 $4,710 $17,321 $16,265 $335,046 
Special mention— — — — — — — — 
Substandard— — — — — 1,805 — 1,805 
Doubtful
— — — — — — — — 
Loss— — — — — — — — 
Total construction and land development$124,189 $122,566 $35,872 $14,123 $4,710 $19,126 $16,265 $336,851 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Commercial real estate – owner occupied
Risk rating
Pass$54,613 $97,201 $48,403 $33,847 $52,416 $227,559 $9,693 $523,732 
Special mention— — — — 1,359 3,296 — 4,655 
Substandard159 849 295 3,187 755 18,737 — 23,982 
Doubtful— — — — 1,772 14 — 1,786 
Loss— — — — — 5 — 5 
Total commercial real estate – owner occupied$54,772 $98,050 $48,698 $37,034 $56,302 $249,611 $9,693 $554,160 
Current period gross charge-offs$— $— $— $— $125 $15 $— $140 
Commercial real estate – non-owner occupied
Risk rating
Pass$146,128 $70,596 $47,603 $10,299 $83,478 $441,189 $13,584 $812,877 
Special mention— — — — 752 5,911 — 6,663 
Substandard— — — — 2,121 4,772 — 6,893 
Doubtful— — — — — 312 — 312 
Loss— — — — — — — — 
Total commercial real estate – non-owner occupied$146,128 $70,596 $47,603 $10,299 $86,351 $452,184 $13,584 $826,745 
Current period gross charge-offs$— $— $— $— $— $654 $— $654 
Multifamily
Risk rating
Pass$20,130 $11,187 $25,711 $5,555 $4,410 $69,396 $324 $136,713 
Special mention— — — — — 230 — 230 
Substandard— — — — — 179 — 179 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total multifamily$20,130 $11,187 $25,711 $5,555 $4,410 $69,805 $324 $137,122 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Total commercial real estate
Risk rating
Pass$345,060 $301,550 $157,589 $63,824 $145,014 $755,465 $39,866 $1,808,368 
Special mention— — — — 2,111 9,437 — 11,548 
Substandard159 849 295 3,187 2,876 25,493 — 32,859 
Doubtful— — — — 1,772 326 — 2,098 
Loss— — — — — 5 — 5 
Total commercial real estate$345,219 $302,399 $157,884 $67,011 $151,773 $790,726 $39,866 $1,854,878 
Total current period gross charge-offs$— $— $— $— $125 $669 $— $794 
(1)As previously announced, on July 24, 2023, the Board of Directors approved a change in the Company's fiscal year end from June 30 to December 31. "2023-S" represents the six-month transition period ended December 31, 2023. All subsequent periods are based on a calendar year end.

14

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
Term Loans By Origination Fiscal Year
September 30, 2026202620252024
2023-S(1)
2023PriorRevolvingTotal
Commercial and industrial
Risk rating
Pass$51,605 $110,556 $63,855 $26,607 $20,230 $28,280 $81,448 $382,581 
Special mention— 389 493 — 517 2,663 8,629 12,691 
Substandard— 976 3,627 2,822 550 11,437 816 20,228 
Doubtful
253 — 506 — — 1,786 — 2,545 
Loss— — — — — — — — 
Total commercial and industrial$51,858 $111,921 $68,481 $29,429 $21,297 $44,166 $90,893 $418,045 
Current period gross charge-offs$— $— $588 $— $250 $498 $25 $1,361 
Equipment finance
Risk rating
Pass$26,538 $49,586 $55,455 $29,036 $45,435 $19,607 $— $225,657 
Special mention— 631 883 356 1,501 350 — 3,721 
Substandard— 1,765 1,065 896 1,847 891 — 6,464 
Doubtful— 527 157 265 249 25 — 1,223 
Loss— — — — — — — — 
Total equipment finance$26,538 $52,509 $57,560 $30,553 $49,032 $20,873 $— $237,065 
Current period gross charge-offs$— $785 $249 $158 $871 $1,348 $— $3,411 
Municipal leases
Risk rating
Pass$19,004 $19,512 $28,265 $13,343 $15,104 $67,182 $— $162,410 
Special mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total municipal leases$19,004 $19,512 $28,265 $13,343 $15,104 $67,182 $— $162,410 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Total commercial
Risk rating
Pass$97,147 $179,654 $147,575 $68,986 $80,769 $115,069 $81,448 $770,648 
Special mention— 1,020 1,376 356 2,018 3,013 8,629 16,412 
Substandard— 2,741 4,692 3,718 2,397 12,328 816 26,692 
Doubtful253 527 663 265 249 1,811 — 3,768 
Loss— — — — — — — — 
Total commercial$97,400 $183,942 $154,306 $73,325 $85,433 $132,221 $90,893 $817,520 
Total current period gross charge-offs$— $785 $837 $158 $1,121 $1,846 $25 $4,772 








15

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
Term Loans By Origination Fiscal Year
September 30, 2026202620252024
2023-S(1)
2023PriorRevolvingTotal
Construction and land development
Risk rating
Pass$18,673 $22,031 $2,128 $268 $2,502 $4,604 $— $50,206 
Special mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total construction and land development$18,673 $22,031 $2,128 $268 $2,502 $4,604 $— $50,206 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
One-to-four family
Risk rating
Pass$43,247 $52,941 $30,957 $18,060 $138,503 $321,900 $7,731 $613,339 
Special mention— — — — — 260 — 260 
Substandard— 409 1,690 1,399 1,549 4,941 — 9,988 
Doubtful— — 225 — — 10 — 235 
Loss— — — — — — — — 
Total one-to-four family$43,247 $53,350 $32,872 $19,459 $140,052 $327,111 $7,731 $623,822 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
HELOCs
Risk rating
Pass$— $— $— $— $— $— $244,974 $244,974 
Special mention— — — — — — — — 
Substandard— — — — — — 10,966 10,966 
Doubtful— — — — — — 51 51 
Loss— — — — — — — — 
Total HELOCs$— $— $— $— $— $— $255,991 $255,991 
Current period gross charge-offs$— $— $— $— $— $— $67 $67 
Total residential real estate
Risk rating
Pass$61,920 $74,972 $33,085 $18,328 $141,005 $326,504 $252,705 $908,519 
Special mention— — — — — 260 — 260 
Substandard— 409 1,690 1,399 1,549 4,941 10,966 20,954 
Doubtful— — 225 — — 10 51 286 
Loss— — — — — — — — 
Total residential real estate$61,920 $75,381 $35,000 $19,727 $142,554 $331,715 $263,722 $930,019 
Total current period gross charge-offs$— $— $— $— $— $— $67 $67 
Term Loans By Origination Fiscal Year
September 30, 2026202620252024
2023-S(1)
2023PriorRevolvingTotal
Total consumer
Risk rating
Pass$1,159 $653 $1,707 $7,082 $11,177 $2,992 $288 $25,058 
Special mention— — — — — — — — 
Substandard— 16 54 259 388 126 8 851 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total consumer$1,159 $669 $1,761 $7,341 $11,565 $3,118 $296 $25,909 
Total current period gross charge-offs$— $6 $12 $128 $279 $99 $21 $545 







16

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
The following table presents the credit risk profile by risk grade for commercial real estate, commercial, residential real estate and consumer loans by origination year as of December 31, 2025. Also included in the table detailing loan balances are gross charge-offs for the year ended December 31, 2025:
Term Loans By Origination Fiscal Year
December 31, 202520252024
2023-S(1)
20232022PriorRevolvingTotal
Construction and land development
Risk rating
Pass$133,327 $85,217 $21,775 $5,722 $16,693 $11,108 $2,805 $276,647 
Special mention— — — — — — — — 
Substandard— — — — 381 — — 381 
Doubtful
— — — — — — — — 
Loss— — — — — — — — 
Total construction and land development$133,327 $85,217 $21,775 $5,722 $17,074 $11,108 $2,805 $277,028 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Commercial real estate – owner occupied
Risk rating
Pass$78,784 $52,556 $42,988 $60,162 $84,571 $218,775 $5,589 $543,425 
Special mention— — — 655 241 2,375 — 3,271 
Substandard— 1,406 918 162 4,949 5,767 — 13,202 
Doubtful— — — 1,895 244 12 — 2,151 
Loss— — — — — — — — 
Total commercial real estate – owner occupied$78,784 $53,962 $43,906 $62,874 $90,005 $226,929 $5,589 $562,049 
Current period gross charge-offs$— $— $— $138 $90 $— $— $228 
Commercial real estate – non-owner occupied
Risk rating
Pass$77,184 $55,342 $12,561 $91,992 $131,895 $433,461 $8,523 $810,958 
Special mention— — — 754 — 9,226 — 9,980 
Substandard— — — 2,591 — 8,973 — 11,564 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total commercial real estate – non-owner occupied$77,184 $55,342 $12,561 $95,337 $131,895 $451,660 $8,523 $832,502 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Multifamily
Risk rating
Pass$9,361 $15,105 $5,638 $4,881 $9,916 $65,560 $— $110,461 
Special mention— — — — — 285 — 285 
Substandard— — — — — 166 — 166 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total multifamily$9,361 $15,105 $5,638 $4,881 $9,916 $66,011 $— $110,912 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Total commercial real estate
Risk rating
Pass$298,656 $208,220 $82,962 $162,757 $243,075 $728,904 $16,917 $1,741,491 
Special mention— — — 1,409 241 11,886 — 13,536 
Substandard— 1,406 918 2,753 5,330 14,906 — 25,313 
Doubtful— — — 1,895 244 12 — 2,151 
Loss— — — — — — — — 
Total commercial real estate$298,656 $209,626 $83,880 $168,814 $248,890 $755,708 $16,917 $1,782,491 
Total current period gross charge-offs$— $— $— $138 $90 $— $— $228 
(1)As previously announced, on July 24, 2023, the Board of Directors approved a change in the Company's fiscal year end from June 30 to December 31. "2023-S" represents the six-month transition period ended December 31, 2023. All subsequent periods are based on a calendar year end.
17

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
Term Loans By Origination Fiscal Year
December 31, 202520252024
2023-S(1)
20232022PriorRevolvingTotal
Commercial and industrial
Risk rating
Pass$101,886 $73,327 $33,005 $29,181 $24,786 $20,049 $75,308 $357,542 
Special mention392 290 2,651 910 312 2,478 2,497 9,530 
Substandard— 3,157 — 252 1,929 3,643 100 9,081 
Doubtful
— 505 — 122 89 1,794 23 2,533 
Loss— — — — — — — — 
Total commercial and industrial$102,278 $77,279 $35,656 $30,465 $27,116 $27,964 $77,928 $378,686 
Current period gross charge-offs$— $151 $362 $241 $1,318 $472 $— $2,544 
Equipment finance
Risk rating
Pass$63,176 $76,224 $43,547 $73,355 $31,444 $13,466 $— $301,212 
Special mention172 151 255 615 232 185 — 1,610 
Substandard673 1,117 173 2,096 871 417 — 5,347 
Doubtful— 57 415 1,353 1,067 295 — 3,187 
Loss— — — — — — — — 
Total equipment finance$64,021 $77,549 $44,390 $77,419 $33,614 $14,363 $— $311,356 
Current period gross charge-offs$— $167 $454 $2,829 $2,711 $466 $— $6,627 
Municipal leases
Risk rating
Pass$19,195 $29,939 $15,546 $20,701 $18,934 $62,081 $— $166,396 
Special mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total municipal leases$19,195 $29,939 $15,546 $20,701 $18,934 $62,081 $— $166,396 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Total commercial
Risk rating
Pass$184,257 $179,490 $92,098 $123,237 $75,164 $95,596 $75,308 $825,150 
Special mention564 441 2,906 1,525 544 2,663 2,497 11,140 
Substandard673 4,274 173 2,348 2,800 4,060 100 14,428 
Doubtful— 562 415 1,475 1,156 2,089 23 5,720 
Loss— — — — — — — — 
Total commercial$185,494 $184,767 $95,592 $128,585 $79,664 $104,408 $77,928 $856,438 
Total current period gross charge-offs$— $318 $816 $3,070 $4,029 $938 $— $9,171 








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, 202520252024
2023-S(1)
20232022PriorRevolvingTotal
Construction and land development
Risk rating
Pass$24,620 $7,350 $1,054 $5,753 $4,173 $2,254 $— $45,204 
Special mention— — — — — — — — 
Substandard— — 413 — — — — 413 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total construction and land development$24,620 $7,350 $1,467 $5,753 $4,173 $2,254 $— $45,617 
Current period gross charge-offs$— $— $— $— $— $132 $— $132 
One-to-four family
Risk rating
Pass$45,062 $40,995 $22,428 $152,935 $139,276 $213,367 $11,814 $625,877 
Special mention— — — — 21 282 — 303 
Substandard— 661 835 1,074 764 3,984 — 7,318 
Doubtful— — — — — 13 — 13 
Loss— — — — — — — — 
Total one-to-four family$45,062 $41,656 $23,263 $154,009 $140,061 $217,646 $11,814 $633,511 
Current period gross charge-offs$— $— $— $— $— $50 $— $50 
HELOCs
Risk rating
Pass$— $— $— $— $— $— $208,402 $208,402 
Special mention— — — — — — — — 
Substandard— — — — — — 8,908 8,908 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total HELOCs$— $— $— $— $— $— $217,310 $217,310 
Current period gross charge-offs$— $— $— $— $— $— $40 $40 
Total residential real estate
Risk rating
Pass$69,682 $48,345 $23,482 $158,688 $143,449 $215,621 $220,216 $879,483 
Special mention— — — — 21 282 — 303 
Substandard— 661 1,248 1,074 764 3,984 8,908 16,639 
Doubtful— — — — — 13 — 13 
Loss— — — — — — — — 
Total residential real estate$69,682 $49,006 $24,730 $159,762 $144,234 $219,900 $229,124 $896,438 
Total current period gross charge-offs$— $— $— $— $— $182 $40 $222 
Term Loans By Origination Fiscal Year
December 31, 202520252024
2023-S(1)
20232022PriorRevolvingTotal
Total consumer
Risk rating
Pass$2,346 $2,688 $10,866 $18,552 $4,392 $2,463 $244 $41,551 
Special mention— — — — — — — — 
Substandard— 31 168 644 127 247 16 1,233 
Doubtful— 1 — — 2 — — 3 
Loss— — — — — — — — 
Total consumer$2,346 $2,720 $11,034 $19,196 $4,521 $2,710 $260 $42,787 
Total current period gross charge-offs$3 $68 $131 $306 $65 $79 $— $652 






19

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
The following tables present aging analyses of past due loans (including nonaccrual loans) by segment and class as of the dates indicated.
Past DueTotal Loans
30-89 Days90 Days+
Total(1)
Current
September 30, 2026
Commercial real estate
Construction and land development$331 $472 $803 $336,048 $336,851 
Commercial real estate – owner occupied6,899 6,197 13,096 541,064 554,160 
Commercial real estate – non-owner occupied— 2,856 2,856 823,889 826,745 
Multifamily— — — 137,122 137,122 
Total commercial real estate7,230 9,525 16,755 1,838,123 1,854,878 
Commercial
Commercial and industrial4,208 7,778 11,986 406,059 418,045 
Equipment finance4,756 3,463 8,219 228,846 237,065 
Municipal leases487 — 487 161,923 162,410 
Total commercial9,451 11,241 20,692 796,828 817,520 
Residential real estate
Construction and land development— — — 50,206 50,206 
One-to-four family5,833 3,409 9,242 614,580 623,822 
HELOCs4,008 6,028 10,036 245,955 255,991 
Total residential real estate9,841 9,437 19,278 910,741 930,019 
Consumer1,126 154 1,280 24,629 25,909 
Total loans$27,648 $30,357 $58,005 $3,570,321 $3,628,326 
Past Due(2)
Total Loans
30-89 Days90 Days+
Total(1)
Current
December 31, 2025
Commercial real estate
Construction and land development$— $381 $381 $276,647 $277,028 
Commercial real estate – owner occupied7,434 4,352 11,786 550,263 562,049 
Commercial real estate – non-owner occupied1,479 5,422 6,901 825,601 832,502 
Multifamily— — — 110,912 110,912 
Total commercial real estate8,913 10,155 19,068 1,763,423 1,782,491 
Commercial
Commercial and industrial1,625 8,306 9,931 368,755 378,686 
Equipment finance8,185 5,501 13,686 297,670 311,356 
Municipal leases— — — 166,396 166,396 
Total commercial9,810 13,807 23,617 832,821 856,438 
Residential real estate
Construction and land development699 — 699 44,918 45,617 
One-to-four family25,822 2,774 28,596 604,915 633,511 
HELOCs3,211 5,393 8,604 208,706 217,310 
Total residential real estate29,732 8,167 37,899 858,539 896,438 
Consumer1,441 361 1,802 40,985 42,787 
Total loans$49,896 $32,490 $82,386 $3,495,768 $3,578,154 
(1)Of the past due totals presented above, $14,444 and $14,307 of these balances were fully guaranteed by the SBA as of September 30, 2026 and December 31, 2025, respectively.
(2)Reflects a change in prior period disclosures where, for loans with monthly payments, they were previously considered past due when a loan is in arrears two or more payments. Under the updated disclosure, these loans are considered past due when the loan is in arrears one or more payments. The most significant impact was to the "30-89 Days" column where the total balance increased by $37,194, with the one-to-four family residential real estate portfolio making up $22,393 of the change.



20

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
The following table presents the recorded investment in loans on nonaccrual status, by segment and class, including restructured loans. It also includes interest income recognized on nonaccrual loans for the nine months ended September 30, 2026.
September 30, 2026(1)
December 31, 2025(1)
90 Days+ &
Still Accruing as of September 30, 2026
Nonaccrual with No ACL as of September 30, 2026
Interest Income Recognized
Commercial real estate
Construction and land development$1,805 $381 $— $— $19 
Commercial real estate – owner occupied21,236 10,467 — 12,554 404 
Commercial real estate – non-owner occupied7,206 6,566 — 3,510 374 
Multifamily— — — — 13 
Total commercial real estate30,247 17,414 — 16,064 810 
Commercial
Commercial and industrial16,149 9,786 — 7,349 269 
Equipment finance5,238 6,690 — — 274 
Municipal leases— — — — — 
Total commercial21,387 16,476 — 7,349 543 
Residential real estate
Construction and land development— — — — — 
One-to-four family5,629 2,961 — — 164 
HELOCs8,160 6,523 — — 301 
Total residential real estate13,789 9,484 — — 465 
Consumer388 402 — — 35 
Total loans$65,811 $43,776 $— $23,413 $1,853 
(1)Of the nonaccrual totals presented above, $22,665 and $14,885 of these balances were fully guaranteed by the SBA as of September 30, 2026 and December 31, 2025, respectively.
The following tables present analyses of the ACL on loans by segment for the periods indicated below. In addition to the provision (benefit) for credit losses on loans presented below, a provision of $15 and benefit of $660 for off-balance sheet credit exposures were recorded for the three and nine months ended September 30, 2026, respectively. Provisions of $260 and $918 for off-balance sheet credit exposures were recorded for the three and nine months ended September 30, 2025, respectively.
Three Months Ended September 30, 2026
Commercial Real EstateCommercialResidential Real EstateConsumerTotal
Balance at beginning of period$19,831 $11,108 $8,473 $377 $39,789 
Provision (benefit) for credit losses(25)639 232 (56)790 
Charge-offs(125)(1,266)(67)(66)(1,524)
Recoveries14 345 25 62 446 
Net charge-offs(111)(921)(42)(4)(1,078)
Balance at end of period$19,695 $10,826 $8,663 $317 $39,501 
Three Months Ended September 30, 2025
Commercial Real EstateCommercialResidential Real EstateConsumerTotal
Balance at beginning of period$19,045 $15,569 $8,722 $803 $44,139 
Provision (benefit) for credit losses(56)2,370 (284)(275)1,755 
Charge-offs(90)(2,842)(1)(153)(3,086)
Recoveries— 138 91 49 278 
Net (charge-offs) recoveries(90)(2,704)90 (104)(2,808)
Balance at end of period$18,899 $15,235 $8,528 $424 $43,086 
21

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
Nine Months Ended September 30, 2026
Commercial Real EstateCommercialResidential Real EstateConsumerTotal
Balance at beginning of period$19,298 $13,331 $8,492 $358 $41,479 
Provision for credit losses1,137 1,298 29 291 2,755 
Charge-offs(794)(4,772)(67)(545)(6,178)
Recoveries54 969 209 213 1,445 
Net (charge-offs) recoveries(740)(3,803)142 (332)(4,733)
Balance at end of period$19,695 $10,826 $8,663 $317 $39,501 
Nine Months Ended September 30, 2025
Commercial Real EstateCommercialResidential Real EstateConsumerTotal
Balance at beginning of period$19,284 $15,267 $9,664 $1,070 $45,285 
Provision (benefit) for credit losses(333)5,645 (1,057)(315)3,940 
Charge-offs(90)(6,228)(189)(519)(7,026)
Recoveries38 551 110 188 887 
Net charge-offs(52)(5,677)(79)(331)(6,139)
Balance at end of period$18,899 $15,235 $8,528 $424 $43,086 
A loan is considered to be collateral dependent when the borrower is experiencing financial difficulty and the repayment is expected to be provided substantially through the operation or sale of the collateral. The following tables provide a breakdown between loans identified as CDAs and non-CDAs, by segment and class, as well as collateral coverage for those loans at the dates indicated below:
Type and Extent of Collateral Securing CDAsNon-CDAs
September 30, 2026Residential PropertyInvestment PropertyCommercial PropertyBusiness AssetsTotal
Commercial real estate
Construction and land development$— $— $— $— $336,851 $336,851 
Commercial real estate – owner occupied— — 12,955 — 541,205 554,160 
Commercial real estate – non-owner occupied— — 3,510 — 823,235 826,745 
Multifamily— — — — 137,122 137,122 
Total commercial real estate— — 16,465 — 1,838,413 1,854,878 
Commercial
Commercial and industrial— — — 5,427 412,618 418,045 
Equipment finance— — — — 237,065 237,065 
Municipal leases— — — — 162,410 162,410 
Total commercial— — — 5,427 812,093 817,520 
Residential real estate
Construction and land development— — — — 50,206 50,206 
One-to-four family— — — — 623,822 623,822 
HELOCs— — — — 255,991 255,991 
Total residential real estate— — — — 930,019 930,019 
Consumer— — — — 25,909 25,909 
Total$— $— $16,465 $5,427 $3,606,434 $3,628,326 
Total collateral value$— $— $16,163 $3,474 
22

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
Type and Extent of Collateral Securing CDAsNon-CDAs
December 31, 2025Residential PropertyInvestment PropertyCommercial PropertyBusiness AssetsTotal
Commercial real estate
Construction and land development$— $— $— $— $277,028 $277,028 
Commercial real estate – owner occupied— — 3,532 — 558,517 562,049 
Commercial real estate – non-owner occupied— — 4,699 — 827,803 832,502 
Multifamily— — — — 110,912 110,912 
Total commercial real estate— — 8,231 — 1,774,260 1,782,491 
Commercial
Commercial and industrial— — — — 378,686 378,686 
Equipment finance— — — 2,087 309,269 311,356 
Municipal leases— — — — 166,396 166,396 
Total commercial— — — 2,087 854,351 856,438 
Residential real estate
Construction and land development— — — — 45,617 45,617 
One-to-four family— — — — 633,511 633,511 
HELOCs— — — — 217,310 217,310 
Total residential real estate— — — — 896,438 896,438 
Consumer— — — — 42,787 42,787 
Total$— $— $8,231 $2,087 $3,567,836 $3,578,154 
Total collateral value$— $— $9,605 $1,299 
Modifications to Borrowers Experiencing Financial Difficulty
The Company modifies loans to borrowers experiencing financial difficulty by providing principal forgiveness, a term extension, an other-than-insignificant payment delay or interest rate adjustments. In some cases, the Company provides multiple types of modifications on one loan. Typically, one type of modification, such as a term extension, is granted initially. If the borrower continues to experience financial difficulty, another modification, such as principal forgiveness, may be granted. For loans included in the combination columns in the table below, multiple types of modifications have been made on the same loan within the current reporting period.
The following tables present the amortized cost basis of loans at September 30, 2026 and 2025, that were both experiencing financial difficulty and modified during the three and nine months ended September 30, 2026 and 2025, by class and type of modification. The percentage of the amortized cost basis of loans that were modified to borrowers in financial difficulty as compared to the amortized cost basis of each class of financing receivable is also presented.
Three Months Ended September 30, 2026
Principal ForgivenessPayment DelayTerm ExtensionInterest Rate AdjustmentCombination Term Extension & Principal ForgivenessCombination Term Extension & Interest Rate Reduction% of Total Class of Financing Receivable
Commercial real estate
Commercial real estate – owner occupied$— $13,254 $— $— $— $652 2.51 %
Commercial real estate – non-owner occupied— — — 3,273 — — 0.40 
Commercial loans
Commercial and industrial— 6,882 — — — — 1.65 
Total$— $20,136 $— $3,273 $— $652 0.66 %
23

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
Three Months Ended September 30, 2025
Principal ForgivenessPayment DelayTerm ExtensionInterest Rate AdjustmentCombination Term Extension & Principal ForgivenessCombination Term Extension & Interest Rate Reduction% of Total Class of Financing Receivable
Commercial real estate
Commercial real estate – owner occupied$— $293 $— $— $— $— 0.05 %
Commercial loans
Commercial and industrial— 453 824 — — — 0.32 
Total$— $746 $824 $— $— $— 0.04 %
Nine Months Ended September 30, 2026
Principal ForgivenessPayment DelayTerm ExtensionInterest Rate AdjustmentCombination Term Extension & Principal ForgivenessCombination Term Extension & Interest Rate Reduction% of Total Class of Financing Receivable
Commercial real estate
Commercial real estate – owner occupied$— $14,034 $— $2,818 $— $652 3.16 %
Commercial real estate – non-owner occupied— 1,700 — 3,273 — — 0.60 
Commercial loans
Commercial and industrial— 10,090 210 — — 1,624 2.85 
Total$— $25,824 $210 $6,091 $— $2,276 0.95 %
Nine Months Ended September 30, 2025
Principal ForgivenessPayment DelayTerm ExtensionInterest Rate AdjustmentCombination Term Extension & Principal ForgivenessCombination Term Extension & Interest Rate Reduction% of Total Class of Financing Receivable
Commercial real estate
Commercial real estate – owner occupied$— $1,067 $— $— $— $— 0.20 %
Commercial real estate – non-owner occupied— 755 350 — — — 0.13 
Commercial loans
Commercial and industrial— 3,308 1,243 115 — — 1.17 
Residential real estate loans
One-to-four family— — 50 — — — 0.01 
Total$— $5,130 $1,643 $115 $— $— 0.19 %
The following tables present the financial effect of the loan modifications presented above to borrowers experiencing financial difficulty for the periods indicated below:
Three Months Ended September 30, 2026
Principal ForgivenessWeighted-Average Interest Rate ReductionWeighted-Average Term Extension (Years)
Commercial real estate
Commercial real estate – owner occupied$— 3.3 %5.0
Commercial real estate – non-owner occupied— 3.1 — 
Total$— 3.1 %5.0
24

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
Three Months Ended September 30, 2025
Principal ForgivenessWeighted-Average Interest Rate ReductionWeighted-Average Term Extension (Years)
Commercial loans
Commercial and industrial$— — %10.0
Nine Months Ended September 30, 2026
Principal ForgivenessWeighted-Average Interest Rate ReductionWeighted-Average Term Extension (Years)
Commercial real estate
Commercial real estate – owner occupied$— 2.9 %5.0
Commercial real estate – non-owner occupied— 3.1 — 
Commercial loans
Commercial and industrial— 4.6 5.2
Total$— 3.3 %5.1
Nine Months Ended September 30, 2025
Principal ForgivenessWeighted-Average Interest Rate ReductionWeighted-Average Term Extension (Years)
Commercial real estate
  Commercial real estate – non-owner occupied$— — %5.5
Commercial loans
Commercial and industrial— 7.0 10.0
Residential real estate loans
One-to-four family— — 10.6
Total$— 7.0 %9.3
The following tables present loans that had a payment default during the periods indicated that had previously been modified within the prior twelve months. For purposes of these tables, a loan is considered to be in default when it becomes 30 days contractually past due under the modified terms.
Three Months Ended September 30, 2026
Principal ForgivenessPayment DelayTerm ExtensionInterest Rate Adjustment
Commercial real estate
Commercial real estate – owner occupied$— $— $— $1,485 
Commercial loans
Commercial and industrial72 549 — 239 
Total$72 $549 $— $1,724 
Three Months Ended September 30, 2025
Principal ForgivenessPayment DelayTerm ExtensionInterest Rate Adjustment
Commercial loans
Commercial and industrial$— $1,928 $— $— 
Residential real estate loans
One-to-four family— — 50 — 
Total$— $1,928 $50 $— 
25

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
Nine Months Ended September 30, 2026
Principal ForgivenessPayment DelayTerm ExtensionInterest Rate Adjustment
Commercial real estate
Commercial real estate – owner occupied$— $294 $— $1,485 
Commercial loans
Commercial and industrial72 3,185 824 239 
Total$72 $3,479 $824 $1,724 
Nine Months Ended September 30, 2025
Principal ForgivenessPayment DelayTerm ExtensionInterest Rate Adjustment
Commercial real estate
Commercial real estate – owner occupied$— $675 $— $161 
Commercial loans
Commercial and industrial— 1,928 132 — 
Equipment finance— — — 115 
Residential real estate loans
One-to-four family— — 50 — 
Total$— $2,603 $182 $276 
Off-Balance Sheet Credit Exposure
The Company maintains a separate reserve for credit losses on off-balance sheet credit exposures, including unfunded loan commitments, which is included in other liabilities on the consolidated balance sheet. The reserve for credit losses on off-balance sheet credit exposures is adjusted as a provision for credit losses in the consolidated statement of income. The estimate includes consideration of the likelihood that funding will occur and an estimate of ECLs on commitments expected to be funded over its estimated life, utilizing the same models and approaches for the Company's other loan portfolio segments described above, as these unfunded commitments share similar risk characteristics as its loan portfolio segments. The Company has identified the unfunded portion of certain lines of credit as unconditionally cancellable credit exposures, meaning the Company can cancel the unfunded commitment at any time. No credit loss estimate is reported for off-balance sheet credit exposures that are unconditionally cancellable by the Company or for undrawn amounts under such arrangements that may be drawn prior to the cancellation of the arrangement. At September 30, 2026 and December 31, 2025, the ACL on off-balance sheet credit exposures included in other liabilities was $3,485 and $4,145, respectively.
6.    Deposits
Deposit accounts at the dates indicated consist of the following:
September 30, 2026
December 31, 2025
Noninterest-bearing accounts$773,502 $707,748 
NOW accounts550,907 546,387 
Money market accounts1,381,671 1,374,635 
Savings accounts161,826 171,455 
Certificates of deposit715,703 909,772 
Total$3,583,609 $3,709,997 
Deposits received from executive officers, directors and their associates totaled approximately $1,612 and $1,105 at September 30, 2026 and December 31, 2025, respectively.
As of September 30, 2026, scheduled maturities of certificates of deposit were as follows:
Remainder of 2026$372,096 
2027336,635 
20284,644 
2029825 
2030980 
Thereafter523 
Total$715,703 
Certificates of deposit with balances of $250 or greater totaled $159,345 and $198,473 at September 30, 2026 and December 31, 2025, respectively. Generally, deposit amounts in excess of $250 are not federally insured.
26

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
7.    Borrowings
Junior Subordinated Debentures
On February 21, 2007, Quantum formed a Delaware statutory trust, Quantum Capital Statutory Trust II (the "Trust"), which issued $11,000 of trust preferred securities that were designed to qualify as Tier I capital under Federal Reserve Board guidelines. All of the common securities of the Trust were owned by Quantum. The proceeds from the issuance of the common securities and the trust preferred securities were used by the Trust to purchase $11,341 of junior subordinated debentures of Quantum. As a result of its merger with Quantum on February 12, 2023, HomeTrust became the 100% successor owner of the common securities of the Trust.
The trust preferred securities, which accrued and paid quarterly distributions at a floating rate of 3-month Term SOFR plus 2.20%, were mandatorily redeemable upon maturity of the debentures on March 15, 2037 or upon earlier redemption as provided in the indenture, and the Company elected to redeem the trust preferred securities in whole on June 15, 2026. The redemption price was the principal amount and any accrued but unpaid interest. The Company had previously established a fair value mark (discount) on the junior subordinated debt securities when accounting for the referenced merger, which was being accreted into income through interest expense. Associated with the redemption of the debt instruments, the remaining unaccreted discount of $1,079 was written off through other noninterest expense.
Other Borrowings
Borrowings, outside of junior subordinated debt, consisted of the following at the dates indicated:
September 30, 2026December 31, 2025
BalanceWeighted Average RateBalanceWeighted Average Rate
FHLB advances (short-term)$50,000 4.13 %$— — %
FRB advances (short-term)164,000 4.00 165,000 3.75 
Total other borrowings$214,000 4.03 %$165,000 3.75 %
All qualifying one-to-four family loans, HELOCs, commercial real estate loans, multifamily loans and FHLB of Atlanta stock are pledged as collateral to secure outstanding FHLB advances while commercial construction loans, indirect auto loans, and equipment and municipal leases are pledged as collateral to secure outstanding FRB advances. At September 30, 2026 and December 31, 2025, the Company had the ability to borrow $338,146 and $355,296, respectively, through additional FHLB advances and $480 and $66,347, respectively, through the unused portion of a line of credit with the FRB.
At September 30, 2026 and December 31, 2025, the Company maintained revolving lines of credit with four unaffiliated banks which totaled $135,000 and $165,000, respectively. At both dates, the aggregate outstanding balance on the revolving lines of credit was $0.
8.    Leases
As Lessee - Operating Leases
The Company's operating leases primarily include office space and bank branches. Certain leases include one or more options to renew, with renewal terms that can extend the lease term up to 15 additional years. The exercise of lease renewal options is at management's sole discretion. When it is reasonably certain that the Company will exercise our option to renew or extend the lease term, that option is included in estimating the value of the ROU and lease liability. The Company's lease agreements do not contain any material residual value guarantees or material restrictive covenants. Most of the Company's lease agreements include periodic rate adjustments for inflation. The depreciable life of ROU assets and leasehold improvements are limited to the shorter of the useful life or the expected lease term. Leases with an initial term of 12 months or less are not recorded on the Company's Consolidated Balance Sheet. The Company recognizes lease expenses for these leases over the lease term.
The following tables present supplemental balance sheet information related to operating leases. ROU assets are included in other assets and lease liabilities are included in other liabilities.
September 30, 2026December 31, 2025
ROU assets$6,722 $7,634 
Lease liabilities$7,950 $9,047 
Weighted-average remaining lease terms (years)7.37.5
Weighted-average discount rate3.68 %3.64 %
The following schedule summarizes aggregate future minimum lease payments under these operating leases at September 30, 2026:
Remainder of 2026$484 
20271,947 
20281,755 
2029976 
2030878 
Thereafter3,096 
Total undiscounted minimum lease payments9,136 
Less: amount representing interest(1,186)
Total lease liability$7,950 
27

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
The following table presents components of operating lease expense for the periods indicated:
Three Months Ended September 30,Nine Months Ended September 30,
2026202520262025
Operating lease cost (included in occupancy expense, net)$399 $399 $1,199 $1,192 
Variable lease cost (included in occupancy expense, net)— — 1 2 
Sublease income (included in other noninterest income)(51)(47)(159)(136)
Total operating lease expense, net$348 $352 $1,041 $1,058 
The following table presents supplemental operating lease cash flow information for the periods indicated:
Nine Months Ended September 30,
2026
2025
ROU assets - noncash additions$— $776 
Cash paid for amounts included in the measurement of lease liabilities1,203 1,143 
As Lessor - General
The Company leases equipment to commercial end users under operating and finance lease arrangements. The Company's equipment finance leases consist mainly of construction, transportation, healthcare and manufacturing equipment. Many of its operating and finance leases offer the lessee the option to purchase the equipment at fair value or for a fixed purchase option, and most of the leases that do not have a purchase option include renewal provisions resulting in some leases continuing beyond initial contractual terms. The Company's leases do not include early termination options, and continued rent payments are due if leased equipment is not returned at the end of the lease.
As Lessor - Operating Leases
Operating lease income is recognized as a component of noninterest income on a straight-line basis over the lease term. Lease terms range from one to seven years. Assets related to operating leases are included in other assets and the corresponding depreciation expense is recorded on a straight-line basis as a component of other noninterest expense. The net book value of leased assets totaled $18,270 and $25,415 with a residual value of $9,697 and $13,167 as of September 30, 2026 and December 31, 2025, respectively.
The following schedule summarizes, as of September 30, 2026, aggregate future minimum lease payments to be received:
Remainder of 2026$1,201 
20273,644 
20283,334 
20292,793 
20301,265 
Thereafter77 
Total of future minimum payments$12,314 
As Lessor - Financing Leases
Finance lease income is recognized as a component of loan interest income over the lease term. The finance leases are included as a component of the equipment finance class of financing receivables under the commercial loan segment of the loan portfolio. For the three months ended September 30, 2026 and 2025, interest income on equipment finance leases totaled $1,403 and $1,377, respectively. For the nine months ended September 30, 2026 and 2025, interest income on equipment finance leases totaled $4,384 and $3,879, respectively.
The lease receivable component of finance lease net investment included within the equipment finance class of financing receivables was $73,317 and $82,305 at September 30, 2026 and December 31, 2025, respectively.
The following schedule summarizes, as of September 30, 2026, aggregate future minimum finance lease payments to be received:
Remainder of 2026$7,136 
202726,932 
202820,343 
202914,822 
20309,209 
Thereafter6,482 
Total undiscounted minimum lease payments84,924 
Less: amount representing interest(11,607)
Total lease receivable$73,317 
9.    Equity Incentive Plan
The Company historically provided stock-based awards through the 2013 Omnibus Incentive Plan, which provided for awards of restricted stock, restricted stock units, stock options, stock appreciation rights and cash awards to directors, directors emeritus, officers, employees and
28

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
advisory directors. On November 14, 2022, at the Company's annual meeting, stockholders approved the 2022 Omnibus Incentive Plan which provides for the same types of awards as described under the 2013 Omnibus Incentive Plan. Going forward, any future grants will be made under this plan.
The cost of equity-based awards under the 2022 Omnibus Incentive Plan generally is based on the fair value of the awards on their grant date. The maximum number of shares that may be utilized for awards under the plan is 1,000,000. Shares of common stock issued under the plan will be issued out of authorized but unissued shares, some or all of which may be repurchased shares.
The table below presents share-based compensation expense and the estimated related tax benefit for stock options and restricted stock for the periods indicated:
Three Months Ended September 30,Nine Months Ended September 30,
2026202520262025
Share-based compensation expense$835 $593 $2,315 $1,579 
Tax benefit192 140 532 373 
The table below presents stock option activity and related information for the periods indicated below:
OptionsWeighted-Average Exercise PriceRemaining Contractual Life
(Years)		Aggregate
Intrinsic
Value
Options outstanding at December 31, 2024413,637 $26.02 3.8$3,169 
Exercised(33,900)24.94 
Forfeited(1,400)26.72 
Options outstanding at September 30, 2025378,337 $26.11 3.0$5,610 
Exercisable at September 30, 2025352,957 $25.95 2.7$5,291 
Non-vested at September 30, 202525,380 $28.37 6.1$319 
Options outstanding at December 31, 2025354,797 $26.19 2.8$5,945 
Exercised(138,840)25.59 
Forfeited(290)31.35 
Expired(3,700)26.94 — — 
Options outstanding at September 30, 2026211,967 $26.55 2.4$4,074 
Exercisable at September 30, 2026202,967 $26.38 2.3$3,935 
Non-vested at September 30, 20269,000 $30.33 5.4$139 
There were no options granted during the nine months ended September 30, 2026 or 2025.
At September 30, 2026, the Company had $28 of unrecognized compensation expense related to 9,000 stock options originally scheduled to vest over a five-year period. The weighted average period over which compensation cost related to non-vested awards is expected to be recognized was 0.4 years at September 30, 2026. At September 30, 2025, the Company had $125 of unrecognized compensation expense related to 25,380 stock options originally scheduled to vest over a five-year period. The weighted average period over which compensation cost related to non-vested awards is expected to be recognized was 0.7 years at September 30, 2025.
The table below presents restricted stock award activity and related information:
Restricted
Stock Awards(1)
Performance-Based Restricted
Stock Units(2)
Weighted-
Average Grant
Date Fair Value		Aggregate
Intrinsic
Value
Non-vested at December 31, 2024138,582 30,001 $27.15 $5,678 
Granted60,329 15,444 37.40 
Vested(50,326)(9,996)27.24 
Forfeited(3,621)(4,108)27.19 
Non-vested at September 30, 2025144,964 31,341 $31.52 $7,128 
Non-vested at December 31, 2025144,964 31,341 $31.52 $7,571 
Granted61,047 26,034 44.21 
Vested(49,745)— 30.98 
Forfeited(3,538)— 34.52 
Non-vested at September 30, 2026152,728 57,375 $36.86 $9,616 
(1)Restricted stock awards granted in calendar year 2026 are scheduled to vest over 1.0 year for director awards and 3.0 years for employee awards. All restricted stock awards granted prior to calendar year 2026 are scheduled to vest over 1.0 year for director awards and 5.0 years for employee awards.
(2)Performance-based restricted stock units are scheduled to vest over 3.0 years assuming the applicable financial goals are met.
29

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
At September 30, 2026, unrecognized compensation expense was $5,592 related to 210,103 shares of restricted stock. The weighted average period over which compensation cost related to non-vested awards is expected to be recognized was 1.5 years at September 30, 2026. At September 30, 2025, unrecognized compensation expense was $4,341 related to 176,305 shares of restricted stock. The weighted average period over which compensation cost related to non-vested awards is expected to be recognized was 1.7 years at September 30, 2025.
10.    Net Income per Share
The following is a reconciliation of the numerator and denominator of basic and diluted net income per share of common stock for the periods indicated:
Three Months Ended September 30,Nine Months Ended September 30,
2026202520262025
Numerator
Net income$17,965 $16,491 $50,367 $48,240 
Allocation of earnings to participating securities(234)(169)(642)(495)
Numerator for basic and diluted EPS - net income available to common stockholders$17,731 $16,322 $49,725 $47,745 
Denominator
Weighted-average common shares outstanding - basic15,902,548 16,998,549 16,262,982 17,005,206 
Dilutive effect of assumed exercise of stock options96,654 131,481 115,640 112,399 
Weighted-average common shares outstanding - diluted15,999,202 17,130,030 16,378,622 17,117,605 
Net income per share - basic$1.11 $0.96 $3.06 $2.81 
Net income per share - diluted$1.11 $0.95 $3.04 $2.79 
Potential dilutive shares are excluded from the computation of earnings per share if their effect is anti-dilutive. There were no stock options that were anti-dilutive as of September 30, 2026 or 2025.
11.    Commitments and Contingencies
Loan Commitments – Legally binding commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many commitments may expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. In the normal course of business, there are various outstanding commitments to extend credit that are not reflected in the consolidated financial statements.
The table below presents details of loan commitments outstanding as of the dates indicated:
September 30, 2026December 31, 2025
Variable rate commitments$67,948 $87,259 
Fixed rate commitments(1)
35,306 34,716 
Total loan commitments$103,254 $121,975 
Range of fixed interest rates
 4.09% - 9.75%
4.12% - 9.75%
Undisbursed portions of construction loans
$228,451 $225,617 
Pre-approved but unused lines of credit(2)
$884,671 $831,298 
(1)Fixed rate commitments had terms ranging from three to 30 years as of each date presented.
(2)Principally second mortgage home equity loans and overdraft protection loans.
The commitments presented in the above table represent the Company’s exposure to credit risk and, in the opinion of management, have no more than the normal lending risk that the Company commits to its borrowers.
The Company has two types of commitments related to certain one-to-four family loans held for sale: rate lock commitments and forward loan commitments. Rate lock commitments are commitments to extend credit to a customer that has an interest rate lock and are considered derivative instruments. The rate lock commitments do not qualify for hedge accounting. In order to mitigate the risk from interest rate fluctuations, the Company enters into forward loan sale commitments such as TBAs, mandatory delivery commitments with investors, or best efforts forward sale commitments with investors. The fair value of these interest rate lock commitments was not material at September 30, 2026 or December 31, 2025.
30

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
Equity Investment Commitments – The Company invests in a variety of equity investments. For investments where the Company's original commitment amount has not been funded in full, the table below summarizes the Company's outstanding commitments:
September 30, 2026December 31, 2025
Original CommitmentRemaining CommitmentsOriginal CommitmentRemaining Commitments
Fintech$2,500 $1,750 $— $— 
Low income housing4,500 386 4,500 483 
SBIC19,000 8,273 19,000 9,983 
Solar tax equity10,000 2,519 10,000 2,519 
Total$36,000 $12,928 $33,500 $12,985 
Although the remaining capital contributions may or may not be called in the future, under the terms of the associated agreements, the Company's exposure will not extend beyond the amount of the original commitments. The disclosure does not include equity investments where either the Company's capital commitments have been fully funded or the investment is winding down.
Guarantees – Standby letters of credit obligate the Company to meet certain financial obligations of its customers, if, under the contractual terms of the agreement, the customers are unable to do so. The financial standby letters of credit issued by the Company are irrevocable and payment is only guaranteed upon the borrower's failure to perform its obligations to the beneficiary. Total commitments under standby letters of credit as of September 30, 2026 and December 31, 2025 were $51,461 and $55,491, respectively. There was no liability recorded for these letters of credit at September 30, 2026 or December 31, 2025.
Litigation – From time to time, the Company is involved in litigation matters in the ordinary course of business. These proceedings and the associated legal claims are often contested, and the outcome of individual matters is not always predictable. These claims and counter claims typically arise during the course of collection efforts on problem loans or with respect to actions to enforce liens on properties in which the Company holds a security interest. The Company is not a party to any pending legal proceedings that management believes would have a material adverse effect on the Company’s financial condition or results of operations.
12.    Fair Value of Financial Instruments
Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair values:
Level 1:    Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.
Level 2:    Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active or other inputs that are observable or can be corroborated by observable market data.
Level 3:    Significant unobservable inputs that reflect a company's own assumptions about the assumptions that market participants would use in pricing an asset or liability.
A financial instrument's level within the fair value hierarchy is based on the lowest level of any input that is significant to the fair value measurement. The following is a description of valuation methodologies used for assets recorded at fair value. As of September 30, 2026 and December 31, 2025, the Company did not have any liabilities recorded at fair value.
The methods of determining the fair value of assets and liabilities presented in this note are consistent with the methodologies disclosed in Note 20 of the 2025 Form 10-K.
31

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
Financial Assets Recorded at Fair Value
The following table presents financial assets measured at fair value on a recurring basis at the dates indicated:
September 30, 2026
TotalLevel 1Level 2Level 3
Debt securities available for sale
MBS, residential$134,919 $— $134,919 $— 
Municipal bonds1,400 — 1,400 — 
Corporate bonds2,339 — 2,339 — 
Total debt securities available for sale$138,658 $— $138,658 $— 
Loans held for sale$4,172 $— $4,172 $— 
December 31, 2025
TotalLevel 1Level 2Level 3
Debt securities available for sale
MBS, residential$136,082 $— $136,082 $— 
Municipal bonds1,826 — 1,826 — 
Corporate bonds4,632 — 4,632 — 
Total debt securities available for sale$142,540 $— $142,540 $— 
Loans held for sale$7,005 $— $7,005 $— 
Debt securities available for sale are valued on a recurring basis at quoted market prices where available. If quoted market prices are not available, fair values are based on quoted prices of comparable securities. Level 1 securities include those traded on an active exchange, such as the New York Stock Exchange or U.S. Treasury securities that are traded by dealers or brokers in active over-the-counter markets and money market funds. Level 2 securities include MBS and debentures issued by GSEs, municipal bonds and corporate debt securities. The Company has no Level 3 securities.
Loans held for sale carried at fair value are valued at the individual loan level using quoted secondary market prices.
There were no transfers between levels during the nine months ended September 30, 2026 or 2025.
The following table presents financial assets measured at fair value on a non-recurring basis at the date indicated:
December 31, 2025
TotalLevel 1Level 2Level 3
Collateral dependent loans
Commercial real estate loans
Commercial real estate – non-owner occupied$3,555 $— $— $3,555 
Commercial loans
Equipment finance1,809 — — 1,809 
Total$5,364 $— $— $5,364 
No financial assets were measured at fair value on a non-recurring basis as of September 30, 2026.
A loan is considered to be collateral dependent when, based on current information and events, the Company expects repayment of the financial assets to be provided substantially through the operation or sale of the collateral and the Company has determined that the borrower is experiencing financial difficulty as of the measurement date. For real estate loans, the fair value of the loan's collateral is determined by a third-party appraisal, which is then adjusted for the estimated selling and closing costs related to liquidation of the collateral (typically ranging from 8% to 12% of the appraised value). For this asset class, the actual valuation methods (income, sales comparable or cost) vary based on the status of the project or property. Additional discounts of 5% to 15% may be applied depending on the age of the appraisals. The unobservable inputs may vary depending on the age of the appraisals. The unobservable inputs may vary depending on the individual asset with no one of the three methods being the predominant approach. For non-real estate loans, the fair value of the loan's collateral may be determined using an appraisal, net book value per the borrower's financial statements or aging reports, adjusted or discounted based on management's historical knowledge, changes in market conditions from the time of the valuation and management's expertise and knowledge of the customer and customer's business.
32

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY
Notes to Consolidated Financial Statements
(Dollars in thousands, except per share data)
The stated carrying value and estimated fair value amounts of financial instruments as of September 30, 2026 and December 31, 2025, are summarized below:
September 30, 2026
Carrying
Value		Fair
Value		Level 1Level 2Level 3
Assets
Cash and cash equivalents$246,466 $246,466 $246,466 $— $— 
Certificates of deposit in other banks8,697 8,697 — 8,697 — 
Debt securities available for sale, at fair value138,658 138,658 — 138,658 — 
Loans held for sale, at fair value4,172 4,172 — 4,172 — 
Loans held for sale, at the lower of cost or fair value97,317 99,719 — — 99,719 
Loans, net3,588,825 3,531,363 — — 3,531,363 
Accrued interest receivable13,438 13,438 — 774 12,664 
Liabilities
Noninterest-bearing and NOW deposits1,324,409 1,324,409 — 1,324,409 — 
Money market accounts1,381,671 1,381,671 — 1,381,671 — 
Savings accounts161,826 161,826 — 161,826 — 
Certificates of deposit715,703 713,409 — 713,409 — 
Borrowings214,000 213,913 — 213,913 — 
Accrued interest payable2,122 2,122 — 2,122 — 
December 31, 2025
Carrying
Value		Fair
Value		Level 1Level 2Level 3
Assets
Cash and cash equivalents$324,692 $324,692 $324,692 $— $— 
Certificates of deposit in other banks18,841 18,841 — 18,841 — 
Debt securities available for sale, at fair value142,540 142,540 — 142,540 — 
Loans held for sale, at fair value7,005 7,005 — 7,005 — 
Loans held for sale, at the lower of cost or fair value198,688 201,377 — — 201,377 
Loans, net3,536,675 3,521,272 — — 3,521,272 
Accrued interest receivable15,973 15,973 — 668 15,305 
Liabilities
Noninterest-bearing and NOW deposits1,254,135 1,254,135 — 1,254,135 — 
Money market accounts1,374,635 1,374,635 — 1,374,635 — 
Savings accounts171,455 171,455 — 171,455 — 
Certificates of deposit909,772 909,101 — 909,101 — 
Junior subordinated debt10,220 10,152 — 10,152 — 
Borrowings165,000 165,003 — 165,003 — 
Accrued interest payable5,605 5,605 — 5,605 — 
The Company had off-balance sheet financial commitments, which included approximately $1,267,837 and $1,234,381 of commitments to originate loans, undisbursed portions of construction loans, unused lines of credit and standby letters of credit at September 30, 2026 and December 31, 2025, respectively (see "Note 11 – Commitments and Contingencies"). Since these commitments are based on current rates, the carrying amount approximates the fair value.
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;
•expected revenues, cost savings, synergies and other benefits from our merger and acquisition activities, including our proposed acquisition of Blue Ridge Bankshares, Inc. ("Blue Ridge"), might not be realized to the extent anticipated, within the anticipated time frames, or at all, costs or difficulties relating to integration matters, including but not limited to customer and employee retention, might be greater than expected, and goodwill impairment charges might be incurred;
•specific to our proposed acquisition of Blue Ridge:
•the timing and completion of the merger is dependent on the satisfaction of customary closing conditions, and various other factors that cannot be predicted with precision at this point;
•the occurrence of any event, change or other circumstances that could give rise to the right of HomeTrust, Blue Ridge or both to terminate the merger agreement;
•completion of the merger is subject to bank regulatory approvals and such approvals may not be obtained in a timely manner or at all or may be subject to conditions which may cause additional significant expense or delay the consummation of the merger;
•potential adverse reactions or changes to business or employee relationships, including those resulting from the announcement or completion of the merger;
•the diversion of attention and time by the respective management teams of HomeTrust and Blue Ridge from ongoing business operations and opportunities on merger-related matters;
•the outcome of any legal proceedings related to the merger which may be instituted against HomeTrust or Blue Ridge;
•unanticipated challenges or delays in the integration of Blue Ridge’s business into HomeTrust’s business and/or the conversion of Blue Ridge’s operating systems and customer data onto HomeTrust’s may significantly increase the expense associated with the merger; and
•other factors that may affect future results of Blue Ridge and HomeTrust.
•the impact of geopolitical instability and trade policies on our operations including the imposition of tariffs and retaliatory tariffs;
•effects of natural disasters, other severe weather events, epidemics and other public health issues, and other external events;
•changes in interest rate levels and the duration of such changes, whether or not through actions by the Federal Reserve, which could materially affect our net interest margin, funding costs, asset values, and access to capital and liquidity;
•the impact of inflation or a potential recession, including monetary and fiscal policy responses thereto, and the impact on consumer and business behavior;
•the effects of a Federal government shutdown, a debt ceiling standoff, or other fiscal policy uncertainty;
•fluctuations in the demand for loans, the number of unsold homes, land and other properties and fluctuations in real estate values in our market areas;
•decreases in the secondary market for the sale of loans that we originate;
•expected revenues, cost savings, synergies and other benefits from our merger and acquisition activities might not be realized to the extent anticipated, within the anticipated time frames, or at all, costs or difficulties relating to integration matters, including but not limited to customer and employee retention, might be greater than expected, and goodwill impairment charges might be incurred;
•results of examinations of us by the Federal Reserve, the NCCOB or other regulatory authorities, including the possibility that any such regulatory authority may, among other things, require us to increase our ACL, write-down assets, increase our regulatory capital position or affect our ability to borrow funds or maintain or increase deposits, which could adversely affect our liquidity and earnings;
•changes in laws or regulations, changes in regulatory policies and principles or the application or interpretation of laws and regulations by regulatory agencies and tax authorities, including changes in deferred tax asset and liability activity, and the interpretation of regulatory capital or other rules;
•the availability of resources to address changes in laws, rules or regulations, or to respond to regulatory actions;
•our ability to attract and retain deposits;
•our ability to access cost-effective funding and maintain sufficient liquidity;
•management's assumptions in determining the adequacy of the ACL;
•our ability to control operating costs and expenses, including costs associated with our operation as a public company;
•the use of estimates in determining the fair value of certain assets, which estimates may prove to be incorrect and result in significant declines in valuation;
•difficulties in reducing risks associated with the loans on our balance sheet;
•staffing fluctuations in response to product demand or the implementation of corporate strategies that affect our workforce and potential associated charges;
•the ability to adapt to rapid technological changes, including advancements in artificial intelligence, digital banking and cybersecurity;
34

•disruptions, security breaches or other adverse events, failures or interruptions in, or attacks on, our information technology systems or on the third-party vendors who perform several of our critical processing functions;
•our ability to retain key members of our senior management team;
•costs and effects of litigation, including settlements and judgments;
•the impact of bank failures or adverse developments involving other banks and related negative press about the banking industry in general on investor and depositor sentiment;
•increased competitive pressures among financial services companies;
•changes in consumer spending, borrowing and savings habits;
•adverse changes in the securities markets;
•inability of key third-party providers to perform their obligations to us;
•changes in accounting principles, policies or guidelines and practices, as may be adopted by the financial institution regulatory agencies, the Public Company Accounting Oversight Board or the FASB;
•other economic, competitive, governmental, regulatory and technological factors affecting our operations, pricing, products and services; and
•other risks detailed from time to time in documents we file with or furnish to the SEC, including this Form 10-Q.
Any forward-looking statements are based upon management’s beliefs and assumptions at the time they are made. We undertake no obligation to publicly update or revise any forward-looking statements included in this report or to update the reasons why actual results could differ from those contained in such statements, whether as a result of new information, future events or otherwise. In light of these risks, uncertainties and assumptions, the forward-looking statements discussed in this report might not occur and you should not put undue reliance on any forward-looking statements.
As used throughout this report, the terms “we,” “our,” “us,” “HomeTrust Bancshares” or the “Company” refer to HomeTrust Bancshares, Inc. and its consolidated subsidiaries, including HomeTrust Bank (“HomeTrust” or "Bank") unless the context indicates otherwise.
Proposed Merger with Blue Ridge Bankshares, Inc.
On August 16, 2026, the Company, Blue Ridge Bankshares, Inc., a Virginia corporation ("Blue Ridge"), and Kinloch Merger Sub, Inc., a Virginia corporation and wholly owned subsidiary of the Company (“Merger Sub”), entered into an Agreement and Plan of Merger (the “merger agreement”). Pursuant to the terms and conditions set forth in the merger agreement, Merger Sub will merge with and into Blue Ridge (the “merger”), with Blue Ridge continuing as the surviving corporation, and immediately following the merger, Blue Ridge will merge with and into the Company (the “second step merger”), with the Company continuing as the surviving corporation.
Immediately following the second step merger, Blue Ridge Bank, National Association, the wholly owned bank subsidiary of Blue Ridge, will merge with and into HomeTrust Bank, the wholly owned bank subsidiary of the Company, with HomeTrust Bank as the surviving bank.
Subject to the terms and conditions of the merger agreement, at the effective time of the merger (“effective time”), each share of Blue Ridge common stock issued and outstanding immediately prior to the effective time, subject to limited exceptions, will be converted into the right to receive 0.086 of a share of Company common stock, plus cash in lieu of any fractional shares.
The transaction has been approved by the boards of directors of both companies, and all required regulatory applications have been filed. The transaction is expected to close early in the first quarter of 2027, subject to all regulatory and shareholder approvals and the satisfaction of customary closing conditions.
The total value of the transaction will fluctuate based on the Company's stock price prior to closing. Upon completion of the transaction, Blue Ridge shareholders are expected to own approximately 35% of the Company. The combined company will continue to trade on the NYSE under the ticker symbol "HTB."
35

Overview
For the quarter ended September 30, 2026 compared to the quarter ended June 30, 2026:
•net income was $18.0 million compared to $15.6 million;
•diluted EPS were $1.11 compared to $0.94;
•annualized ROA was 1.65% compared to 1.46%;
•annualized ROE was 12.06% compared to 10.44%;
•net interest margin was 4.46% compared to 4.41%;
•provision for credit losses was $805,000 compared to $920,000;
•gain on the sale of fixed assets was $21,000 compared to $1.1 million;
•loss on the redemption of junior subordinated debt securities was $0 compared to $1.1 million;
•merger-related expense was $904,000 compared to $0;
•utilization of purchased renewable energy income tax credits resulted in a $1.9 million federal income tax benefit compared to $0;
•quarterly cash dividends continued at $0.15 per share totaling $2.4 million for each period; and
•923,897 shares of Company common stock were repurchased during the current quarter at an average price of $48.03 compared to 153,606 shares repurchased at an average price of $46.31 in the prior quarter.
For the nine months ended September 30, 2026 compared to the nine months ended September 30, 2025:
•net income was $50.4 million compared to $48.2 million;
•diluted EPS were $3.04 compared to $2.79;
•annualized ROA was 1.55% compared to 1.46%;
•annualized ROE was 11.28% compared to 11.20%;
•net interest margin was 4.39% compared to 4.27%;
•provision for credit losses was $2.1 million compared to $4.9 million;
•gain on the sale of our two Knoxville, Tennessee branches was $0 compared to $1.4 million;
•merger-related expense was $904,000 compared to $0;
•utilization of purchased renewable energy income tax credits resulted in a $1.9 million federal income tax benefit compared to $0;
•cash dividends were $0.43 per share totaling $7.1 million compared to $0.36 per share totaling $6.2 million; and
•1,610,743 shares of Company common stock were repurchased at an average price of $46.15 compared to 93,212 shares of Company common stock repurchased at an average price of $35.41 in the same period last year.
Three Months Ended
Nine Months Ended
(Dollars in thousands)
September 30, 2026
June 30, 2026
September 30, 2026
September 30, 2025
Interest and dividend income$62,889 $61,173 $185,559 $192,671 
Interest expense16,426 15,879 49,497 60,146 
Net interest income46,463 45,294 136,062 132,525 
Provision for credit losses 805 920 2,095 4,858 
Net interest income after provision for credit losses45,658 44,374 133,967 127,667 
Noninterest income9,069 9,247 28,347 26,935 
Noninterest expense34,137 33,979 101,091 93,482 
Income before income taxes20,590 19,642 61,223 61,120 
Income tax expense2,625 4,012 10,856 12,880 
Net income$17,965 $15,630 $50,367 $48,240 
Net income per common share(1)
Basic$1.11 $0.95 $3.06 $2.81 
Diluted1.11 0.94 3.04 2.79 
Cash dividends declared per common share0.15 0.15 0.43 0.36 
Book value per share at end of period36.05 35.90 36.05 34.01 
Tangible book value per share at end of period(2)
33.70 33.67 33.70 31.83 
Market price per share at end of period45.77 49.89 45.77 40.94 
(1)Basic and diluted net income per common share have been prepared in accordance with the two-class method.
(2)See Non-GAAP reconciliations below for adjustments.
Critical Accounting Policies and Estimates
Certain of our accounting policies are important to the portrayal of our financial condition, since they require management to make difficult, complex or subjective judgments, some of which may relate to matters that are inherently uncertain. Estimates associated with these policies are susceptible to material changes as a result of changes in facts and circumstances which could include, but are not limited to, changes in interest rates, changes in the performance of the economy and changes in the financial condition of borrowers. The following represents our critical accounting policy:
Allowance for Credit Losses, or ACL, on Loans. The ACL on loans held for investment reflects our estimate of credit losses that will result from the inability of our borrowers to make required loan payments. We charge off loans against the ACL and subsequent recoveries, if any, increase the ACL when they are recognized. We use a systematic methodology to determine our ACL for loans held for investment and certain off-balance sheet credit exposures. The ACL on loans held for investment is a valuation account that is deducted from the amortized
36

cost basis to present the net amount expected to be collected on the loan portfolio. The estimate of our ACL on loans held for investment involves a high degree of judgment including consideration of the effects of past events, current conditions and reasonable and supportable forecasts on the collectability of the loan portfolio. We recognize in net income the amount needed to adjust the ACL on loans held for investment and certain off-balance sheet credit exposures for management’s current estimate of ECLs. Our ACL on loans held for investment is calculated using collectively evaluated and individually evaluated loans.
GAAP Reconciliation of Non-GAAP Financial Measures
We believe the non-GAAP financial measures included within this report provide useful information to management and investors that is supplementary to our financial condition, results of operations and cash flows computed in accordance with US GAAP; however, we acknowledge that our non-GAAP financial measures have a number of limitations. The following reconciliation tables provide detailed analyses of these non-GAAP financial measures.
Set forth below is a reconciliation to US GAAP of tangible book value and tangible book value per share:
As of
(Dollars in thousands, except per share data)September 30, 2026June 30, 2026September 30, 2025
Total stockholders' equity$570,134 $600,600 $595,833 
Less: goodwill, core deposit intangibles, net of taxes37,091 37,323 38,160 
Tangible book value$533,043 $563,277 $557,673 
Common shares outstanding15,816,210 16,727,821 17,520,425 
Book value per share$36.05 $35.90 $34.01 
Tangible book value per share$33.70 $33.67 $31.83 
Set forth below is a reconciliation to GAAP of tangible equity to tangible assets:
As of
(Dollars in thousands)September 30, 2026June 30, 2026September 30, 2025
Tangible equity(1)
$533,043 $563,277 $557,673 
Total assets4,421,757 4,440,278 4,592,137 
Less: goodwill, core deposit intangibles, net of taxes37,091 37,323 38,160 
Total tangible assets$4,384,666 $4,402,955 $4,553,977 
Tangible equity to tangible assets12.16 %12.79 %12.25 %
(1)Tangible equity (or tangible book value) is equal to total stockholders' equity less goodwill and core deposit intangibles, net of related deferred tax liabilities.

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Comparison of Results of Operations for the Three Months Ended September 30, 2026 and June 30, 2026
Net Income. Net income totaled $18.0 million, or $1.11 per diluted share, for the three months ended September 30, 2026 compared to $15.6 million, or $0.94 per diluted share, for the three months ended June 30, 2026, an increase of $2.4 million, or 14.9%. The results for the three months ended September 30, 2026 compared to the three months ended June 30, 2026 were positively impacted by a $1.2 million increase in net interest income and a $1.4 million decrease in income tax expense as a result of the Company's utilization of purchased renewable energy income tax credits. Details of the changes in the various components of net income are further discussed below.
Net Interest Income. The following table presents the distribution of average assets, liabilities and equity, as well as interest income earned on average interest-earning assets and interest expense paid on average interest-bearing liabilities. All average balances are daily average balances. Nonaccruing loans have been included in the table as loans carrying a zero yield.
Three Months Ended
September 30, 2026June 30, 2026
(Dollars in thousands)Average
Balance
Outstanding		Interest
Earned /
Paid		Yield /
Rate		Average
Balance
Outstanding		Interest
Earned /
Paid		Yield /
Rate
Assets
Interest-earning assets
Loans receivable(1)
$3,804,490$59,3306.19 %$3,770,898$57,5076.12 %
Debt securities available for sale144,3811,7014.67 152,6471,6674.38 
Other interest-earning assets(2)
187,3461,8583.93 199,1351,9994.03 
Total interest-earning assets4,136,21762,8896.03 4,122,68061,1735.95 
Other assets177,503175,077
Total assets$4,313,720$4,297,757
Liabilities and equity
Interest-bearing liabilities
Interest-bearing checking accounts$545,273$1,1090.81 %$556,610$1,1280.81 %
Money market accounts1,407,6179,1602.58 1,376,1998,6782.53 
Savings accounts164,285280.07 170,067280.07 
Certificate accounts727,2586,0103.28 712,2245,7443.23 
Total interest-bearing deposits2,844,43316,3072.27 2,815,10015,5782.22 
Junior subordinated debt——— 8,4491517.17 
Borrowings12,3461193.82 15,9781503.77 
Total interest-bearing liabilities2,856,77916,4262.28 2,839,52715,8792.24 
Noninterest-bearing deposits812,327806,566
Other liabilities53,62350,949
Total liabilities3,722,7293,697,042
Stockholders' equity590,991600,715
Total liabilities and stockholders' equity$4,313,720$4,297,757
Net earning assets$1,279,438$1,283,153
Average interest-earning assets to average interest-bearing liabilities144.79 %145.19 %
Non-tax-equivalent
Net interest income$46,463$45,294
Interest rate spread3.75 %3.71 %
Net interest margin(3)
4.46 %4.41 %
Tax-equivalent(4)
Net interest income$46,902$45,752
Interest rate spread3.79 %3.76 %
Net interest margin(3)
4.50 %4.45 %
(1)Average loans receivable balances include loans held for sale and nonaccruing loans.
(2)Average other interest-earning assets consist of FRB stock, FHLB stock, SBIC investments and deposits in other banks.
(3)Net interest income divided by average interest-earning assets.
(4)Tax-equivalent results include adjustments to interest income of $439 and $458 for the three months ended September 30, 2026 and June 30, 2026, respectively, calculated based on a combined federal and state tax rate of 23%.
Total interest and dividend income for the three months ended September 30, 2026 increased $1.7 million, or 2.8%, when compared to the three months ended June 30, 2026. An increase of $1.0 million in accretion income was the primary driver of this change, in addition to the impact of an additional day in the current quarter.
Total interest expense for the three months ended September 30, 2026 increased $547,000, or 3.4%, when compared to the three months ended June 30, 2026. An increase of $729,000, or 4.7%, in deposit interest expense drove this change, the result of increases in both the
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average balances of and rates paid on money market and certificate accounts, partially offset by a decrease in interest expense associated with the redemption of junior subordinated debt securities during the prior quarter.
The following table shows the effects that changes in average balances (volume), including differences in the number of days in the periods compared, and average interest rates (rate) had on the interest earned on interest-earning assets and interest paid on interest-bearing liabilities:
Increase / (Decrease)
Due to		Total
Increase/
(Decrease)
(Dollars in thousands)VolumeRate
Interest-earning assets
Loans receivable$1,157 $666 $1,823 
Debt securities available for sale(72)106 34 
Other interest-earning assets(98)(43)(141)
Total interest-earning assets987 729 1,716 
Interest-bearing liabilities
Interest-bearing checking accounts(11)(8)(19)
Money market accounts298 184 482 
Savings accounts(1)1 — 
Certificate accounts187 79 266 
Junior subordinated debt(151)— (151)
Borrowings(33)2 (31)
Total interest-bearing liabilities289 258 547 
Increase in net interest income
$1,169 
Provision for Credit Losses. The provision for credit losses is the amount of expense that, based on our judgment, is required to maintain the ACL at an appropriate level under the current expected credit losses model.
The following table presents a breakdown of the components of the provision for credit losses:
Three Months Ended
(Dollars in thousands)September 30, 2026June 30, 2026$ Change% Change
Provision for credit losses
Loans$790 $1,020 $(230)(23)%
Off-balance sheet credit exposure15 (100)115 115 
Total provision for credit losses$805 $920 $(115)(13)%
For the quarter ended September 30, 2026, the "loans" portion of the provision for credit losses was primarily the result of the following, offset by net charge-offs of $1.1 million during the quarter:
•$0.5 million benefit driven by changes in the loan mix.
•$0.2 million provision due to changes in the projected economic forecast, specifically the national unemployment rate, and changes in qualitative adjustments.
For the quarter ended June 30, 2026, the "loans" portion of the provision for credit losses was primarily the result of the following, offset by net charge-offs of $1.8 million during the quarter:
•$0.2 million provision driven by changes in the loan mix.
•$0.4 million benefit due to changes in the projected economic forecast, specifically the national unemployment rate, and changes in qualitative adjustments.
•$0.6 million decrease in specific reserves on individually evaluated loans.
For the quarters ended September 30, 2026 and June 30, 2026, the amounts recorded for off-balance sheet credit exposure were the result of changes in the balance of loan commitments, loan mix, projected economic forecast and qualitative allocations as outlined above.

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Noninterest Income. Noninterest income for the three months ended September 30, 2026 decreased $178,000, or 1.9%, when compared to the quarter ended June 30, 2026. Changes in the components of noninterest income are discussed below:
Three Months Ended
(Dollars in thousands)September 30, 2026June 30, 2026$ Change% Change
Noninterest income
Service charges and fees on deposit accounts$2,586 $2,627 $(41)(2)%
Loan income and fees1,178 501 677 135 
Gain on sale of loans held for sale1,592 1,874 (282)(15)
BOLI income925 893 32 4 
Operating lease income1,731 1,407 324 23 
Gain on sale of premises and equipment21 1,101 (1,080)(98)
Other1,036 844 192 23 
Total noninterest income$9,069 $9,247 $(178)(2)%
•Loan income and fees: The increase was primarily the result of an increase of $771,000 in prepayment penalty fees, partially offset by a $61,000 decrease in other loan servicing fees.
•Gain on sale of loans held for sale: The decrease was primarily driven by a drop in the sales volume of the guaranteed portion of SBA commercial loans and residential mortgage loans originated for sale, partially offset by an increase in the sales volume of HELOC loans. There were $60.9 million of HELOCs originated for sale which were sold during the current quarter with gains of $329,000 compared to $17.2 million sold with gains of $93,000 in the prior quarter. There were $12.9 million in sales of the guaranteed portion of SBA commercial loans with gains of $925,000 during the current quarter compared to $15.3 million sold and gains of $1.3 million for the prior quarter. There were $26.5 million of residential mortgage loans sold for gains of $399,000 during the current quarter compared to $39.9 million sold with gains of $481,000 in the prior quarter. Lastly, our hedging of mandatory commitments on the residential mortgage loan pipeline resulted in a net loss of $61,000 for the current quarter compared to a net gain of $4,000 for the prior quarter.
•Operating lease income: The increase was the result of net gains of $274,000 upon contract termination versus net losses of $387,000 in the prior quarter, partially offset by a $337,000 decrease in contract earnings.
•Gain on sale of premises and equipment: In both periods presented, gains were recognized on the sale of excess real estate and other equipment.
Noninterest Expense. Noninterest expense for the three months ended September 30, 2026 increased $158,000, or 0.5%, when compared to the three months ended June 30, 2026. Changes in the components of noninterest expense are discussed below:
Three Months Ended
(Dollars in thousands)September 30, 2026June 30, 2026$ Change% Change
Noninterest expense
Salaries and employee benefits$20,128 $20,169 $(41)— %
Occupancy expense, net2,551 2,417 134 6 
Computer services2,934 3,027 (93)(3)
Operating lease depreciation expense1,127 1,378 (251)(18)
Telecom, postage and supplies558 509 49 10 
Marketing and advertising837 584 253 43 
Deposit insurance premiums468 481 (13)(3)
Core deposit intangible amortization303 302 1 — 
Merger-related expense904 — 904 100 
Loss on redemption of junior subordinated debt securities— 1,079 (1,079)(100)
Other4,327 4,033 294 7 
Total noninterest expense$34,137 $33,979 $158 — %
•Operating lease depreciation expense: The decrease was due to a decline in the population of operating lease contracts (assets being depreciated) quarter-over-quarter.
•Marketing and advertising: The increase was associated with the launch of online deposit account opening.
•Merger-related expense: The current quarter includes costs incurred related to professional fees and due diligence performed associated with the Company's pending acquisition of Blue Ridge. No such costs were incurred in the prior quarter.
•Loss on redemption of junior subordinated debt securities: We previously established a fair value mark (discount) on the junior subordinated debt securities assumed through our merger with Quantum Capital Corp. and had been accreting the discount into interest expense. Associated with our redemption of the debt instruments last quarter, we wrote-off the remaining discount as an expense.
Income Taxes. The amount of income tax expense is influenced by the amount of pre-tax income, tax-exempt income, income tax credits, changes in the statutory rate and the effect of changes in valuation allowances maintained against deferred tax benefits. The effective tax rates for the three months ended September 30, 2026 and June 30, 2026 were 12.7% and 20.4%, respectively, with the quarter-over-quarter decrease driven by the recognition of a $1.9 million benefit associated with the Company's utilization of purchased income tax credits.
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Comparison of Results of Operations for the Nine Months Ended September 30, 2026 and September 30, 2025
Net Income. Net income totaled $50.4 million, or $3.04 per diluted share, for the nine months ended September 30, 2026 compared to $48.2 million, or $2.79 per diluted share, for the nine months ended September 30, 2025, an increase of $2.2 million, or 4.4%. The results for the nine months ended September 30, 2026 compared to the prior year were positively impacted by a $3.5 million increase in net interest income, a $2.8 million decrease in the provision for credit losses, and a $1.4 million increase in noninterest income, partially offset by a $7.6 million increase in noninterest expense. In addition, income tax expense declined by $2.0 million primarily as a result of the Company's utilization of purchased income tax credits. Details of the changes in the various components of net income are further discussed below.
Net Interest Income. The following table presents the distribution of average assets, liabilities and equity, as well as interest income earned on average interest-earning assets and interest expense paid on average interest-bearing liabilities. All average balances are daily average balances. Nonaccruing loans have been included in the table as loans carrying a zero yield.
Nine Months Ended
September 30, 2026September 30, 2025
(Dollars in thousands)Average
Balance
Outstanding		Interest
Earned /
Paid		Yield /
Rate		Average
Balance
Outstanding		Interest
Earned /
Paid		Yield /
Rate
Assets
Interest-earning assets
Loans receivable(1)
$3,789,833$174,5626.16 %$3,827,840$180,8026.32 %
Debt securities available for sale147,1824,9724.52 149,5255,1074.57 
Other interest-earning assets(2)
204,3656,0253.94 168,9846,7625.35 
Total interest-earning assets4,141,380185,5595.99 4,146,349192,6716.21 
Other assets190,354262,029
Total assets$4,331,734$4,408,378
Liabilities and equity
Interest-bearing liabilities
Interest-bearing checking accounts$554,308$3,3380.81 %$560,348$3,6560.87 %
Money market accounts1,384,60126,4532.55 1,335,41427,4572.75 
Savings accounts168,172850.07 180,7601060.08 
Certificate accounts756,34018,8593.33 917,39427,4744.00 
Total interest-bearing deposits2,863,42148,7352.28 2,993,91658,6932.62 
Junior subordinated debt6,1893397.32 10,1556188.14 
Borrowings14,9814233.78 24,1178354.63 
Total interest-bearing liabilities2,884,59149,4972.29 3,028,18860,1462.66 
Noninterest-bearing deposits792,989740,785
Other liabilities57,17763,791
Total liabilities3,734,7573,832,764
Stockholders' equity596,977575,614
Total liabilities and stockholders' equity$4,331,734$4,408,378
Net earning assets$1,256,789$1,118,161
Average interest-earning assets to average interest-bearing liabilities143.57 %136.96 %
Non-tax-equivalent
Net interest income$136,062$132,525
Interest rate spread3.70 %3.55 %
Net interest margin(3)
4.39 %4.27 %
Tax-equivalent(4)
Net interest income$137,394$133,814
Interest rate spread3.74 %3.59 %
Net interest margin(3)
4.44 %4.31 %
(1)Average loans receivable balances include loans held for sale and nonaccruing loans.
(2)Average other interest-earning assets consist of FRB stock, FHLB stock, SBIC investments and deposits in other banks.
(3)Net interest income divided by average interest-earning assets.
(4)Tax-equivalent results include adjustments to interest income of $1,332 and $1,289 for the nine months ended September 30, 2026 and 2025, respectively, calculated based on combined federal and state tax rates of 23% and 24% for the same periods, respectively.
Total interest and dividend income for the nine months ended September 30, 2026 decreased $7.1 million, or 3.7%, when compared to the nine months ended September 30, 2025. A decline of $6.2 million, or 3.5%, in loan interest income drove this change, primarily due to runoff in the equipment finance portfolio and a decline in the average balance of HELOC loans held for sale. Accretion income on acquired loans of $2.4 million and $1.7 million was recognized during the same periods, respectively, and was included in loan interest income.
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Total interest expense for the nine months ended September 30, 2026 decreased $10.6 million, or 17.7%, when compared to the nine months ended September 30, 2025. A decline of $10.0 million, or 17.0%, in deposit interest expense drove this change, primarily the result of a decline in the average balance of certificate accounts, specifically brokered deposits, in addition to a decline in the average cost of funds across funding categories.
The following table shows the effects that changes in average balances (volume), including differences in the number of days in the periods compared, and average interest rates (rate) had on the interest earned on interest-earning assets and interest paid on interest-bearing liabilities:
Increase / (Decrease)
Due to		Total
Increase /
(Decrease)
(Dollars in thousands)VolumeRate
Interest-earning assets
Loans receivable$(1,795)$(4,445)$(6,240)
Debt securities available for sale(80)(55)(135)
Other interest-earning assets1,416 (2,153)(737)
Total interest-earning assets(459)(6,653)(7,112)
Interest-bearing liabilities
Interest-bearing checking accounts(39)(279)(318)
Money market accounts1,011 (2,015)(1,004)
Savings accounts(7)(14)(21)
Certificate accounts(4,823)(3,792)(8,615)
Junior subordinated debt(241)(38)(279)
Borrowings(316)(96)(412)
Total interest-bearing liabilities(4,415)(6,234)(10,649)
Increase in net interest income$3,537 
Provision for Credit Losses. The following table presents a breakdown of the components of the provision for credit losses:
Nine Months Ended
(Dollars in thousands)September 30, 2026September 30, 2025$ Change% Change
Provision for credit losses
Loans$2,755 $3,940 $(1,185)(30)%
Off-balance sheet credit exposure(660)918 (1,578)(172)
Total provision for credit losses$2,095 $4,858 $(2,763)(57)%
For the nine months ended September 30, 2026, the "loans" portion of the provision for credit losses was the result of the following, offset by net charge-offs of $4.7 million during the period:
•$0.6 million benefit driven by changes in the loan mix.
•$0.1 million benefit due to changes in the projected economic forecast, specifically the national unemployment rate, and changes in qualitative adjustments.
•$1.2 million decrease in specific reserves on individually evaluated credits.
For the nine months September 30, 2025, the "loans" portion of the provision for credit losses was the result of the following, offset by net charge-offs of $6.1 million during the period:
•$1.5 million benefit driven by changes in the loan mix.
•$1.5 million benefit due to changes in qualitative adjustments, partially offset by a slight worsening of the projected economic forecast, specifically the national unemployment rate. Of note, we released the $2.2 million qualitative allocation previously established for the potential impact of Hurricane Helene upon our loan portfolio which had been established in the quarter ended September 30, 2024.
•$0.8 million increase in specific reserves on individually evaluated loans.
For the nine months ended September 30, 2026 and September 30, 2025, the amounts recorded for off-balance sheet credit exposure were the result of changes in the balance of loan commitments, loan mix, projected economic forecast and qualitative allocations as outlined above.

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Noninterest Income. Noninterest income for the nine months ended September 30, 2026 increased $1.4 million, or 5.2%, when compared to the same period last year. Changes in the components of noninterest income are discussed below:
Nine Months Ended
(Dollars in thousands)September 30, 2026September 30, 2025$ Change% Change
Noninterest income
Service charges and fees on deposit accounts$7,627 $7,273 $354 5 %
Loan income and fees2,371 1,846 525 28 
Gain on sale of loans held for sale6,120 5,742 378 7 
BOLI income2,710 2,576 134 5 
Operating lease income5,030 5,032 (2)— 
Gain on sale of branches— 1,448 (1,448)(100)
Gain on sale of premises and equipment1,499 28 1,471 5,254 
Other2,990 2,990 — — 
Total noninterest income$28,347 $26,935 $1,412 5 %
•Loan income and fees: The increase was the result of an additional $907,000 in prepayment penalty fees, partially offset by declines of $274,000 and $156,000 in loan commitment and interest rate swap fees, respectively.
•Gain on sale of loans held for sale: The increase was primarily driven by an increase in the sales volume of the guaranteed portion of SBA commercial loans, partially offset by a reduction in the sales volume of HELOC loans originated for sale. During the nine months ended September 30, 2026, there were $44.5 million of sales of the guaranteed portion of SBA commercial loans with gains of $3.4 million compared to $21.6 million sold with gains of $1.5 million for the corresponding period in the prior year. There were $89.7 million of residential mortgage loans originated for sale sold during the current period for gains of $1.3 million compared to $82.4 million sold with gains of $1.8 million for the corresponding period in the prior year. There were $181.2 million of HELOC loans originated for sale which were sold during the current period with gains of $1.4 million compared to $243.5 million sold with gains of $2.3 million for the corresponding period in the prior year. Lastly, our hedging of mandatory commitments on the residential mortgage loan pipeline resulted in a net gain of $11,000 for the nine months ended September 30, 2026 compared to $163,000 for the nine months ended September 30, 2025.
•Gain on sale of branches: During the prior year period we completed the sale of our two Knoxville, Tennessee branches, recognizing a gain of $1.4 million, with no similar activity occurring in the current year period.
•Gain on sale of premises and equipment: In both periods presented, gains were recognized on the sale of excess parcels of real estate and other equipment.
Noninterest Expense. Noninterest expense for the nine months ended September 30, 2026 increased $7.6 million, or 8.1%, when compared to the same period last year. Changes in the components of noninterest expense are discussed below:
Nine Months Ended
(Dollars in thousands)September 30, 2026September 30, 2025$ Change% Change
Noninterest expense
Salaries and employee benefits$60,174 $54,415 $5,759 11 %
Occupancy expense, net7,598 7,449 149 2 
Computer services8,838 7,855 983 13 
Operating lease depreciation expense4,021 5,427 (1,406)(26)
Telecom, postage and supplies1,648 1,646 2 — 
Marketing and advertising1,838 1,365 473 35 
Deposit insurance premiums1,433 1,452 (19)(1)
Core deposit intangible amortization979 1,336 (357)(27)
Merger-related expense904 — 904 100 
Loss on redemption of junior subordinated debt securities1,079 — 1,079 100 
Other12,579 12,537 42 — 
Total noninterest expense$101,091 $93,482 $7,609 8 %
•Salaries and employee benefits: The increase was primarily the result of new hires and increases in pay, incentive compensation and medical premiums.
•Computer services: The increase year-over-year reflects the Company's further investment in both our internal- and external-facing technological capabilities.
•Operating lease depreciation expense: The decrease was due to a decline in the population of operating lease contracts (assets being depreciated) year-over-year.
•Marketing and advertising: The increase was associated with the launch of online deposit account opening.
•Core deposit intangible amortization: The intangible recorded in association with the Quantum merger is being amortized on an accelerated basis, so the rate of amortization slowed year-over-year.
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•Merger-related expense: See explanation in the "Comparison of Results of Operations for the Three Months Ended September 30, 2026 and June 30, 2026 – Noninterest Expense" section above.
•Loss on redemption of junior subordinated debt securities: See explanation in the "Comparison of Results of Operations for the Three Months Ended September 30, 2026 and June 30, 2026 – Noninterest Expense" section above.
Income Taxes. The amount of income tax expense is influenced by the amount of pre-tax income, tax-exempt income, income tax credits, changes in the statutory rate and the effect of changes in valuation allowances maintained against deferred tax benefits. The effective tax rates for the nine months ended September 30, 2026 and 2025 were 17.7% and 21.1%, respectively, with the year-over-year decrease primarily driven by the recognition of a $1.9 million benefit associated with the Company's utilization of purchased income tax credits.
Comparison of Financial Condition at September 30, 2026 and December 31, 2025
General.  Total assets decreased by $123.9 million to $4.4 billion and total liabilities decreased by $93.3 million to $3.9 billion at September 30, 2026 as compared to December 31, 2025. These changes can be traced to the use of existing liquidity and the proceeds from loan sales to fund $50.2 million in loan growth, offset a $126.4 million decline in deposits and fund $75.0 million in stock repurchases. The decrease in deposits was the result of a $145.6 million reduction in brokered deposits, partially offset by an increase of $19.2 million in all other deposit categories.
Cash and Cash Equivalents.  Total cash and cash equivalents decreased $78.2 million, or 24.1%, to $246.5 million at September 30, 2026 from $324.7 million at December 31, 2025.
Certificates of Deposit in Other Banks.  Total certificates of deposit in other banks decreased $10.1 million, or 53.8%, to $8.7 million at September 30, 2026 compared to December 31, 2025.
Debt Securities Available for Sale.  Debt securities available for sale decreased $3.8 million, or 2.7%, to $138.7 million at September 30, 2026 from $142.5 million at December 31, 2025. Outside of fluctuations in value, the changes between periods were the result of $31.4 million in purchases, partially offset by $30.8 million in proceeds from the maturity, call and paydown of securities. All purchases were MBS and consistent with the composition of the existing securities held in the portfolio.
Loans Held for Sale. Loans held for sale decreased $104.2 million, or 50.7%, to $101.5 million at September 30, 2026 from $205.7 million at December 31, 2025. This was driven by a decrease of $106.1 million, or 65.2%, in HELOC loans held for sale due to loan sales during the current period.
Loans, Net of Deferred Loan Fees and Costs.  Loans held for investment totaled $3.6 billion at September 30, 2026, an increase of $50.2 million, or 1.4%, compared to the balance as of December 31, 2025. The following table illustrates the changes within the portfolio:
As ofChangePercent of Total
September 30, 2026
December 31, 2025
September 30, 2026
December 31, 2025
(Dollars in thousands)$%
Commercial real estate loans
Construction and land development$336,851 $277,028 $59,823 22 %9 %8 %
Commercial real estate – owner occupied554,160 562,049 (7,889)(1)15 16 
Commercial real estate – non-owner occupied826,745 832,502 (5,757)(1)23 23 
Multifamily137,122 110,912 26,210 24 4 3 
Total commercial real estate loans1,854,878 1,782,491 72,387 4 51 50 
Commercial loans
Commercial and industrial418,045 378,686 39,359 10 12 10 
Equipment finance237,065 311,356 (74,291)(24)7 9 
Municipal leases162,410 166,396 (3,986)(2)4 5 
Total commercial loans817,520 856,438 (38,918)(5)23 24 
Residential real estate loans
Construction and land development50,206 45,617 4,589 10 1 1 
One-to-four family623,822 633,511 (9,689)(2)17 18 
HELOCs255,991 217,310 38,681 18 7 6 
Total residential real estate loans930,019 896,438 33,581 4 25 25 
Consumer loans25,909 42,787 (16,878)(39)1 1 
Total loans, net of deferred loan fees and costs$3,628,326 $3,578,154 $50,172 1 %100 %100 %
44

Asset Quality. The following table sets forth the composition of nonperforming assets, made up of nonaccrual loans and repossessed assets, across our asset categories.
(Dollars in thousands)September 30, 2026June 30, 2026March 31, 2026
Nonaccruing loans
Commercial real estate
Construction and land development$1,805 $472 $854 
Commercial real estate – owner occupied21,236 11,996 11,256 
Commercial real estate – non-owner occupied7,206 4,273 6,704 
Multifamily— 838 — 
Total commercial real estate30,247 17,579 18,814 
Commercial
Commercial and industrial16,149 14,617 10,578 
Equipment finance5,238 5,003 6,096 
Total commercial21,387 19,620 16,674 
Residential real estate
One-to-four family5,629 5,168 3,632 
HELOCs8,160 7,797 7,140 
Total residential real estate13,789 12,965 10,772 
Consumer388 438 479 
Total nonaccruing loans$65,811 $50,602 $46,739 
Total repossessed assets4,586 4,049 316 
Total nonperforming assets$70,397 $54,651 $47,055 
Total nonperforming assets as a percentage of total assets1.59 %1.23 %1.07 %
Total SBA loans included in nonaccrual loans$29,049 $30,254 $22,720 
Portion of SBA loans fully guaranteed by the SBA22,665 23,563 16,348 
Total nonaccruing loans, excluding the balance fully guaranteed by the SBA43,146 27,039 30,391 
Total repossessed assets4,586 4,049 316 
Total nonperforming assets, excluding the balance fully guaranteed by the SBA$47,732 $31,088 $30,707 
Total nonperforming assets, excluding the balance fully guaranteed by the SBA, as a percentage of total assets1.08 %0.70 %0.70 %
SBA loans made up 41.3%, 55.4% and 48.5% of total nonperforming assets at September 30, 2026, June 30, 2026 and March 31, 2026, respectively. The increase between March 31, 2026 and September 30, 2026 is partially the result of a management decision to accelerate the repurchase of the sold portion of nonperforming SBA loans (fully guaranteed portion) to simplify the workout process. In addition, one $18.0 million commercial loan relationship was newly classified as nonperforming during the quarter ended September 30, 2026 although no loss is anticipated.
Classified assets increased by $21.4 million, or 30.2%, to $92.1 million, or 2.08% of total assets, as of September 30, 2026 when compared to the balance of $70.7 million, or 1.59% of total assets, as of June 30, 2026. Classified assets increased by $25.9 million, or 39.2%, to $92.1 million, or 2.08% of total assets, as of September 30, 2026 when compared to the balance of $66.2 million, or 1.46% of total assets, as of December 31, 2025. SBA loans made up the largest portion of classified assets at $33.0 million and $27.3 million, respectively, as of September 30, 2026 and December 31, 2025, of which $25.2 million and $19.8 million, respectively, was fully guaranteed. The remaining population of classified assets as of September 30, 2026 included $17.5 million of owner-occupied commercial real estate loans, $11.0 million of HELOCs, $10.2 million of 1-4 family residential real estate loans, $7.7 million of equipment finance loans (concentrated in the transportation sector), and $6.5 million of commercial and industrial loans.


45

Allowance for Credit Losses on Loans.  The ACL on loans was $39.5 million, or 1.09% of total loans, at September 30, 2026 compared to $41.5 million, or 1.16% of total loans, at December 31, 2025. The drivers of this change are discussed in the "Comparison of Results of Operations for the Nine Months Ended September 30, 2026 and September 30, 2025 – Provision for Credit Losses" section above.
The following table summarizes the distribution of the ACL by loan category at the dates indicated.
September 30, 2026
December 31, 2025
(Dollars in thousands)Allocated Allowance% of Loan PortfolioACL to LoansAllocated Allowance% of Loan PortfolioACL to Loans
Commercial real estate
Construction and land development$4,421 9 %0.12 %$3,948 8 %0.11 %
Commercial real estate – owner occupied5,185 15 0.14 5,404 16 0.15 
Commercial real estate – non-owner occupied8,798 23 0.24 8,908 23 0.25 
Multifamily1,291 4 0.04 1,038 3 0.03 
Total commercial real estate19,695 51 0.54 19,298 50 0.54 
Commercial
Commercial and industrial4,856 12 0.13 4,894 10 0.14 
Equipment finance5,665 7 0.16 8,110 9 0.22 
Municipal leases305 4 0.01 327 5 0.01 
Total commercial10,826 23 0.30 13,331 24 0.37 
Residential real estate
Construction and land development293 1 0.01 307 1 0.01 
One-to-four family6,149 17 0.17 6,342 18 0.18 
HELOCs2,221 7 0.06 1,843 6 0.05 
Total residential real estate8,663 25 0.24 8,492 25 0.24 
Consumer317 1 0.01 358 1 0.01 
Total loans$39,501 100 %1.09 %$41,479 100 %1.16 %
September 30, 2026
December 31, 2025
(Dollars in thousands)Allocated AllowanceACL to LoansAllocated AllowanceACL to Loans
ACL composition
Quantitative allocation$21,528 0.60 %$22,832 0.64 %
Qualitative allocation17,890 0.49 17,359 0.50 
Individual allocation83 — 1,288 0.02 
Total ACL$39,501 1.09 %$41,479 1.16 %
Net loan charge-offs totaled $4.7 million for the nine months ended September 30, 2026 compared to $6.1 million for the same period last year. Net charge-offs were concentrated within our equipment finance portfolio, primarily related to over-the-road truck loans, where we recognized net charge-offs of $2.7 million and $4.2 million for the same periods, respectively. Annualized net charge-offs as a percentage of average loans were 0.17% for the nine months ended September 30, 2026 as compared to 0.21% for the nine months ended September 30, 2025.
Income taxes receivable.  The balance of income taxes receivable increased $15.7 million, or 273.3%, to $21.4 million at September 30, 2026 compared to $5.7 million at December 31, 2025, due to the purchase of renewable energy income tax credits in the current year to be collected in future periods.
Deposits.  The following table summarizes the composition of our deposit portfolio as of the dates indicated:
(Dollars in thousands)
September 30, 2026
December 31, 2025$ Change% Change
Core deposits
Noninterest-bearing accounts$773,502 $707,748 $65,754 9 %
NOW accounts550,907 546,387 4,520 1 
Money market accounts1,381,671 1,374,635 7,036 1 
Savings accounts161,826 171,455 (9,629)(6)
Total core deposits2,867,906 2,800,225 67,681 2 
Certificates of deposit715,703 909,772 (194,069)(21)
Total$3,583,609 $3,709,997 $(126,388)(3)%
The decrease in deposits was the result of a $145.6 million reduction in brokered deposits, partially offset by an increase of $19.2 million in all other deposit categories.
Junior subordinated debt.  The balance of junior subordinated debt declined from $10.2 million at December 31, 2025 to $0 at September 30, 2026 as the debt was redeemed during the current year.
46

Stockholders' Equity.  Stockholders' equity decreased $30.6 million to $570.1 million at September 30, 2026 as compared to December 31, 2025. Activity within stockholders' equity included $50.4 million in net income and $5.8 million in share-based compensation and stock option exercises, partially offset by $7.1 million in cash dividends declared and $75.0 million in stock repurchases. In addition, accumulated other comprehensive income declined by $4.0 million as the unrealized loss on available for sale securities increased due to changes in market interest rates.
Liquidity Management
Management maintains a liquidity position that it believes will adequately provide for funding of loan demand and deposit run-off that may occur in the normal course of business. We rely on a number of different sources in order to meet our expected liquidity demands. The primary sources are increases in deposit accounts, wholesale borrowings and cash flows from payments on the loan and securities portfolios.
In addition to these primary sources of funds, management has several secondary sources available to meet potential funding requirements. All qualifying one-to-four family loans, HELOCs, commercial real estate loans, multifamily loans and FHLB of Atlanta stock are pledged as collateral to secure outstanding FHLB advances while commercial construction loans, indirect auto loans, and equipment and municipal leases are pledged as collateral to secure outstanding FRB advances. At September 30, 2026, the Company had the ability to borrow $338.1 million through additional FHLB advances and $480,000 through the unused portion of a line of credit with the FRB. At this same date, the Company maintained revolving lines of credit with four unaffiliated banks which totaled $135.0 million, all of which was unused.
We also classify our securities portfolio as available for sale, providing an additional source of liquidity. Management believes that our securities portfolio is of high quality, of short duration, and the securities would therefore be readily marketable. In addition, we have historically sold fixed-rate mortgage loans in the secondary market to reduce interest rate risk and to create still another source of liquidity. From time to time we also utilize brokered time deposits to supplement our other sources of funds. Brokered time deposits are obtained by utilizing an outside broker that is paid a fee. This funding requires advance notification to structure the type of deposit desired by us. Brokered deposits can vary in term from one month to several years and have the benefit of being a source of longer-term funding. We also utilize brokered deposits to help manage interest rate risk by extending the term to repricing of our liabilities, enhance our liquidity and fund asset growth. Brokered deposits are typically from outside our primary market areas, and our brokered deposit levels may vary from time to time depending on competitive interest rate conditions and other factors. At September 30, 2026, brokered deposits totaled $125.8 million, or 3.5% of total deposits.
Liquidity management is both a daily and long-term function of business management. Excess liquidity is generally invested in short-term investments, such as overnight deposits and federal funds. On a longer term basis, we maintain a strategy of investing in various lending products and debt securities, including MBS. We are a separate legal entity from the Bank and must provide for our own liquidity and pay our own operating expenses. Our primary source of funds consists of dividends or capital distributions from the Bank, although there are regulatory restrictions on the ability of the Bank to pay dividends. At September 30, 2026, we (on an unconsolidated basis) had liquid assets of $7.3 million.
At the Bank level, we use our sources of funds primarily to meet our ongoing commitments, pay maturing deposits and fund withdrawals and to fund loan commitments. At September 30, 2026, the total approved loan commitments and unused lines of credit outstanding amounted to $331.7 million and $884.7 million, respectively. Certificates of deposit scheduled to mature in one year or less at September 30, 2026 totaled $703.5 million. It is management's policy to manage deposit rates to be competitive with other local financial institutions. Based on this strategy, we believe that a majority of maturing deposits will be retained.
Off-Balance Sheet Activities
In the normal course of operations, we engage in a variety of financial transactions that are not recorded in our financial statements, mainly to manage customers' requests for funding. These transactions primarily take the form of loan commitments and lines of credit and involve varying degrees of off-balance sheet credit, interest rate and liquidity risks. For further information, see "Note 11 – Commitments and Contingencies" in this Quarterly Report on Form 10-Q.
Capital Resources
HomeTrust Bancshares, Inc. is a bank holding company subject to regulation by the Federal Reserve. As a bank holding company, we are subject to capital adequacy requirements of the Federal Reserve under the Bank Holding Company Act of 1956, as amended and the regulations of the Federal Reserve. The Company's subsidiary, the Bank, an FDIC-insured, North Carolina state-chartered bank and a member of the Federal Reserve System, is supervised and regulated by the Federal Reserve and the NCCOB and is subject to minimum capital requirements applicable to state member banks established by the Federal Reserve that are calculated in a manner similar to those applicable to bank holding companies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by bank regulators that, if undertaken, could have a direct material effect on the Company's financial statements.
Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank’s assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors.
At September 30, 2026, HomeTrust Bancshares, Inc. and the Bank each exceeded all regulatory capital requirements. Consistent with the Company's goals to operate a sound and profitable organization, its policy is for the Bank to maintain a “well-capitalized” status under the regulatory capital categories of the Federal Reserve. The Bank was categorized as "well-capitalized" at September 30, 2026 under applicable regulatory requirements.
47

HomeTrust Bancshares, Inc. and the Bank's actual and required minimum capital amounts and ratios are as follows:
Regulatory Requirements
ActualMinimum for Capital
Adequacy Purposes		Minimum to Be
Well Capitalized
(Dollars in thousands)AmountRatioAmountRatioAmountRatio
HomeTrust Bancshares, Inc.
September 30, 2026
CET1 Capital (to risk-weighted assets)$535,431 13.34 %$180,659 4.50 %$260,952 6.50 %
Tier I Capital (to total adjusted assets)535,431 12.52 171,067 4.00 213,834 5.00 
Tier I Capital (to risk-weighted assets)535,431 13.34 240,878 6.00 321,171 8.00 
Total Risk-based Capital (to risk-weighted assets)578,892 14.42 321,171 8.00 401,464 10.00 
December 31, 2025
CET1 Capital (to risk-weighted assets)$560,919 13.83 %$182,491 4.50 %$263,598 6.50 %
Tier I Capital (to total adjusted assets)571,139 12.99 175,853 4.00 219,816 5.00 
Tier I Capital (to risk-weighted assets)571,139 14.08 243,321 6.00 324,429 8.00 
Total Risk-based Capital (to risk-weighted assets)617,238 15.22 324,429 8.00 405,536 10.00 
HomeTrust Bank
September 30, 2026
CET1 Capital (to risk-weighted assets)$520,777 12.98 %$180,550 4.50 %$260,794 6.50 %
Tier I Capital (to total adjusted assets)520,777 12.19 170,843 4.00 213,554 5.00 
Tier I Capital (to risk-weighted assets)520,777 12.98 240,733 6.00 320,978 8.00 
Total Risk-based Capital (to risk-weighted assets)564,238 14.06 320,978 8.00 401,222 10.00 
December 31, 2025
CET1 Capital (to risk-weighted assets)$555,807 13.71 %$182,427 4.50 %$263,506 6.50 %
Tier I Capital (to total adjusted assets)555,807 12.65 175,795 4.00 219,743 5.00 
Tier I Capital (to risk-weighted assets)555,807 13.71 243,236 6.00 324,315 8.00 
Total Risk-based Capital (to risk-weighted assets)601,906 14.85 324,315 8.00 405,394 10.00 
In addition to the minimum CET1, Tier 1 and total risk-based capital ratios, both HomeTrust Bancshares, Inc. and the Bank have to maintain a capital conservation buffer consisting of additional CET1 capital of more than 2.50% above the required minimum levels in order to avoid limitations on paying dividends, engaging in share repurchases, and paying discretionary bonuses based on percentages of eligible retained income that could be utilized for such actions. As of September 30, 2026, the Company's and Bank's risk-based capital exceeded the required capital contribution buffer.
Dividends paid by HomeTrust Bank are limited, without prior regulatory approval, to current year earnings and earnings less dividends paid during the preceding two years.
Item 3. Quantitative and Qualitative Disclosures About Market Risk
There has not been any material change in the market risk disclosures contained in our 2025 Form 10-K.
Item 4. Controls and Procedures
Evaluation of Disclosure Controls and Procedures: An evaluation of our disclosure controls and procedures (as defined in Rule 13a-15(e) of the Securities Exchange Act of 1934 (the "Act")) as of September 30, 2026, was carried out under the supervision and with the participation of the Company's Chief Executive Officer, Chief Financial Officer and several other members of the Company's senior management. The Company's Chief Executive Officer and Chief Financial Officer concluded that the Company's disclosure controls and procedures in effect as of September 30, 2026, were effective in ensuring that the information required to be disclosed by the Company in the reports it files or submits under the Act is: (i) accumulated and communicated to the Company's management (including the Chief Executive Officer and Chief Financial Officer) in a timely manner and (ii) recorded, processed, summarized and reported within the time periods specified in the SEC's rules and forms.
The Company does not expect that its disclosure controls and procedures and internal control over financial reporting will prevent all errors and all fraud. A control procedure, no matter how well conceived and operated, can provide only reasonable, not absolute, assurance that the objectives of the control procedure are met. Because of the inherent limitations in all control procedures, no evaluation of controls can provide absolute assurance that all control issues and instances of fraud, if any, within the Company have been detected. These inherent limitations include the realities that judgments in decision-making can be faulty, and that breakdowns can occur because of simple error or mistake. Additionally, controls may be circumvented by the individual acts of some persons, by collusion of two or more people, or by override of the control. The design of any control procedure also is based in part upon certain assumptions about the likelihood of future events, and there can be no assurance that any design will succeed in achieving its stated goals under all potential future conditions; over time, controls may become inadequate because of changes in conditions, or the degree of compliance with the policies or procedures may deteriorate. Because of the inherent limitations in a cost-effective control procedure, misstatements due to error or fraud may occur and not be detected.
Changes in Internal Controls: There have been no changes in the Company’s internal control over financial reporting during the quarter ended September 30, 2026 that have materially affected, or are reasonably likely to materially affect, the Company’s internal control over financial reporting.
48

PART II. OTHER INFORMATION
Item 1. Legal Proceedings
The "Litigation" section of "Note 11 – Commitments and Contingencies" to the Consolidated Financial Statements included in Part I, Item 1 is incorporated herein by reference.
Item 1A. Risk Factors
There have been no material changes in the Risk Factors previously disclosed in Item 1A of the 2025 Form 10-K.
Item 2. Unregistered Sales of Equity Securities and Use of Proceeds
(a) Not applicable
(b) Not applicable
(c) The following table provides information about repurchases of common stock by the Company during the quarter ended September 30, 2026:
PeriodTotal # of Shares PurchasedAverage Price Paid per ShareTotal # of Shares Purchased as Part of Publicly Announced PlansMaximum # of
Shares that May
Yet Be Purchased Under Publicly Announced Plans
July 1 - July 31, 202666,436 $50.80 66,436 25,461 
August 1 - August 31, 2026500,202 48.15 500,202 357,259 
September 1 - September 30, 2026357,259 47.34 357,259 — 
Total923,897 $48.03 923,897 — 
The Company's Board of Directors has, from time to time, authorized the repurchase of its common stock. In July 2026, the Company completed the repurchase plan originally authorized on December 15, 2025, of 870,000 shares of common stock which represented approximately 5% of the Company's outstanding shares at the time of the announcement. On August 4, 2026, an additional 832,000 shares of common stock were authorized for repurchase representing approximately 5% of the Company's outstanding shares at the time of the announcement. As of September 30, 2026, all of these shares had been purchased at an average price of $47.70 per share.
On October 5, 2026, the Company announced the completion of the previous stock repurchase program and the authorization of the repurchase of an additional 790,000 shares of common stock, representing approximately 5% of the Company's outstanding shares at the time of the announcement. The shares may be purchased in the open market or in privately negotiated transactions, from time to time depending upon market conditions and other factors.
Item 3. Defaults Upon Senior Securities
Nothing to report.
Item 4. Mine Safety Disclosures
Not applicable.
Item 5. Other Information
Trading Plans: During the quarter ended September 30, 2026, no director or officer (as defined in Rule 16a-1(f) under the Exchange Act) of the Company adopted or terminated a "Rule 10b5-1 trading arrangement" or "non-Rule 10b5-1 trading arrangement," as each term is defined in Item 408(a) of Regulation S-K.















49

Item 6. Exhibits
Regulation
S-K Exhibit #		DocumentReference to Prior Filing or Exhibit # Attached Hereto
3.1(d)
3.2(w)
10.1(n)
10.2(g)
10.2A(b)
10.2B(h)
10.2C(o)
10.2D(e)
10.3(g)
10.3A(a)
10.4(d)
10.5(m)
10.6(l)
10.6A(d)
10.6B(d)
10.6C(d)
10.6D(d)
10.6E(d)
10.6F(d)
10.6G(d)
10.6H(d)
10.6I(i)
10.7(d)
10.7A(d)
10.7B(d)
10.7C(d)
10.7D(d)
10.7E(d)
10.7F(d)
10.7G(d)
10.8(d)
10.8A(m)
10.8B(m)
10.8C(r)
10.8D(t)
10.9(d)
10.9A(m)
10.10(d)
10.10A(m)
10.11(x)
10.12(j)
10.12A(k)
10.12B(k)
10.12C(k)
50

Regulation
S-K Exhibit #		DocumentReference to Prior Filing or Exhibit # Attached Hereto
10.12D(k)
10.12E(k)
10.13(q)
10.13A(u)
10.13B(u)
10.13C(u)
10.14(s)
10.15(r)
10.15A(a)
10.16(a)
10.17(p)
10.18(v)
10.19(c)
31.131.1
31.231.2
32.032.0
97(f)
101
The following materials from HomeTrust Bancshares’ Annual Report on Form 10-K for the year ended December 31, 2025, formatted in Extensible Business Reporting Language (XBRL): (a) Consolidated Balance Sheets; (b) Consolidated Statements of Income; (c) Consolidated Statements of Comprehensive Income; (d) Consolidated Statements of Changes in Stockholders' Equity; (e) Consolidated Statements of Cash Flows; and (f) Notes to Consolidated Financial Statements.
101
(a)Filed as an exhibit to HomeTrust Bancshares's Annual Report on Form 10-K for the fiscal year ended June 30, 2022 (File No. 001-35593).
(b)Filed as an exhibit to HomeTrust Bancshares's Current Report on Form 8-K filed on September 25, 2018 (File No. 001-35593).
(c)Filed as an exhibit to HomeTrust Bancshares's Quarterly Report on Form 10-Q for the quarter ended September 30, 2024 (File No. 001-35593).
(d)Filed as an exhibit to HomeTrust Bancshares's Registration Statement on Form S-1 filed on December 29, 2011 (File No. 333-178817).
(e)Filed as an exhibit to HomeTrust Bancshares's Current Report on Form 8-K filed on May 24, 2022 (File No. 001-35593).
(f)Filed as an exhibit to HomeTrust Bancshares's Transition Report on Form 10-KT for the-six month transition period ended December 31, 2023 (File No. 001-35593).
(g)Filed as an exhibit to HomeTrust Bancshares's Current Report on Form 8-K filed on September 11, 2018 (File No. 001-35593).
(h)Filed as an exhibit to HomeTrust Bancshares's Current Report on Form 8-K filed on October 28, 2020 (File No. 001-35593).
(i)Filed as an exhibit to Amendment No. 1 to HomeTrust Bancshares's Registration Statement on Form S-1 filed on March 9, 2012 (File No. 333-178817).
(j)Attached as Appendix A to HomeTrust Bancshares's definitive proxy statement filed on December 5, 2012 (File No. 001-35593).
(k)Filed as an exhibit to HomeTrust Bancshares's Registration Statement on Form S-8 filed on February 13, 2013 (File No. 333-186666).
(l)Filed as an exhibit to HomeTrust Bancshares's Current Report on Form 8-K filed on February 15, 2022 (File No. 001-35593).
(m)Filed as an exhibit to HomeTrust Bancshares's Quarterly Report on Form 10-Q for the quarter ended March 31, 2022 (File No. 001-35593).
(n)Filed as an exhibit to HomeTrust Bancshares's Annual Report on Form 10-K for the fiscal year ended December 31, 2025 (File No. 001-35593).
(o)Filed as an exhibit to HomeTrust Bancshares's Current Report on Form 8-K filed on July 28, 2021 (File No. 001-35593).
(p)Filed as an exhibit to HomeTrust Bancshares's Quarterly Report on Form 10-Q for the quarter ended September 30, 2023 (File No. 001-35593).
(q)Attached as Appendix A to HomeTrust Bancshares's definitive proxy statement filed on October 3, 2022 (File No. 001-35593).
(r)Filed as an exhibit to HomeTrust Bancshares's Quarterly Report on Form 10-Q for the quarter ended September 30, 2022 (File No. 001-35593).
(s)Filed as an exhibit to HomeTrust Bancshares's Annual Report on Form 10-K for the fiscal year ended June 30, 2023 (File No. 001-35593).
(t)Filed as an exhibit to HomeTrust Bancshares's Current Report on Form 8-K filed on August 28, 2023 (File No. 001-35593).
(u)Filed as an exhibit to HomeTrust Bancshares's Registration Statement on Form S-8 filed on February 6, 2023 (File No. 333-186666).
(v)Filed as an exhibit to HomeTrust Bancshares's Quarterly Report on Form 10-Q for the quarter ended June 30, 2024 (File No. 001-35593).
(w)Filed as an exhibit to HomeTrust Bancshares's Current Report on Form 8-K filed on February 11, 2025 (File No. 001-35593).
(x)Filed as an exhibit to HomeTrust Bancshares's Current Report on Form 8-K filed on April 1, 2025 (File No. 001-35593).

51

SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.
HOMETRUST BANCSHARES, INC.
Date: November 6, 2026By:/s/ C. Hunter Westbrook
C. Hunter Westbrook
President and Chief Executive Officer
(Duly Authorized Officer)
Date: November 6, 2026By:/s/ Tony J. VunCannon
Tony J. VunCannon
Executive Vice President, CFO, Corporate Secretary and Treasurer
(Principal Financial and Accounting Officer)

52

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