# EDGAR Filing Document

**Accession Number:** 0001538263
**File Stem:** 0001538263-25-000097
**Filing Date:** 2025-7
**Character Count:** 32474
**Document Hash:** 9225ed6e717e7ff14aa5e663132ef7d8
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001538263-25-000097.hdr.sgml**: 20250728

**ACCESSION NUMBER**: 0001538263-25-000097

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 47

**CONFORMED PERIOD OF REPORT**: 20250728

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20250728

**DATE AS OF CHANGE**: 20250728

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** HomeTrust Bancshares, Inc.
- **CENTRAL INDEX KEY:** 0001538263
- **STANDARD INDUSTRIAL CLASSIFICATION:** SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 000000000
- **STATE OF INCORPORATION:** MD
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-35593
- **FILM NUMBER:** 251155722

**BUSINESS ADDRESS:**
- **STREET 1:** 10 WOODFIN STREET
- **CITY:** ASHEVILLE
- **STATE:** NC
- **ZIP:** 28801
- **BUSINESS PHONE:** 828-259-3939

**MAIL ADDRESS:**
- **STREET 1:** 10 WOODFIN STREET
- **CITY:** ASHEVILLE
- **STATE:** NC
- **ZIP:** 28801

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** HomeTrustBancshares, Inc.
- **DATE OF NAME CHANGE:** 20111227

?xml version='1.0' encoding='ASCII'? htbi-20250728

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM 8-K**

**CURRENT REPORT**

**Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934**

Date of Report (Date of earliest event reported): July 28, 2025

**HOMETRUST BANCSHARES, INC.**

(Exact name of registrant as specified in its charter)

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| | | |
|:---|:---|:---|
| **Maryland** | **001-35593** | **45-5055422** |
| (State or other jurisdiction of incorporation) | (Commission File Number) | (IRS Employer Identification No.) |

---

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| | |
|:---|:---|
| **10 Woodfin Street, Asheville, North Carolina** | **28801** |
| (Address of principal executive offices) | (Zip Code) |

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Registrant's telephone number, including area code: **(828) 259-3939**<br>

---

| | |
|:---|:---|
| | **Not Applicable** |
| (Former name or former address, if changed since last report) | (Former name or former address, if changed since last report) |

---

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities Registered Pursuant to Section 12(b) of the Act:

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| | | |
|:---|:---|:---|
| **Title of each class** | **Trading Symbol** | **Name of each exchange on which registered** |
| Common Stock, par value $0.01 per share | HTB | The New York Stock Exchange LLC |

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

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| | |
|:---|:---|
| 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. | ☐ |

---

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**Item 7.01 Regulation FD Disclosure**

The attached investor presentation contains financial data that members of management will use from time to time with investors, analysts and other interested parties to assist in their understanding of HomeTrust Bancshares, Inc. ("the Company"). The investor presentation is also available on the Company's website at <u>ir.htb.com</u>. The presentation is furnished as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference.

**Item 9.01 Financial Statements and Exhibits**

(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Exhibits

<u>[99.1](investorpresentation-q22.htm)</u> June 30, 2025 Investor Presentation

**SIGNATURE**

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 hereunto duly authorized.

---

| | | |
|:---|:---|:---|
| | | **HOMETRUST BANCSHARES, INC.** |
| Date: July 28, 2025 | By: | /s/ Tony J. VunCannon |
|  |  | Tony J. VunCannon |
|  |  | Executive Vice President, Chief Financial Officer, Corporate Secretary and Treasurer |

---

## Exhibit 99.1

![](investorpresentation-q22001.jpg)

2nd Quarter 2025 Investor Presentation

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![](investorpresentation-q22002.jpg)

This document includes "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are not statements of historical fact, but instead are based on certain assumptions including statements with respect to the Company's 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 forward-looking statements. The factors that could result in material differentiation include, but are not limited to natural disasters, including the lingering effects of Hurricane Helene; expected revenues, cost savings, synergies and other benefits from merger and acquisition activities might not be realized to the extent anticipated, within the anticipated time frames, or at all, and costs or difficulties relating to integration matters, including but not limited to customer and employee retention, might be greater than expected; goodwill impairment charges might be incurred; increased competitive pressures among financial services companies; changes in the interest rate environment; changes in general economic conditions, both nationally and in our market areas; legislative and regulatory changes; and the effects of inflation, a potential recession, and other factors described in the Company's latest annual Report on Form 10-K and Quarterly Reports on Form 10-Q and other documents filed with or furnished to the Securities and Exchange Commission - which are available on the Company's website at www.htb.com and on the SEC's website at www.sec.gov. Any of the forward-looking statements that the Company makes in this document or the documents the Company files with or furnishes to the SEC are based upon management's beliefs and assumptions at the time they are made and may turn out to be wrong because of inaccurate assumptions, the factors described above or because of other factors that management cannot foresee. The Company does not undertake, and specifically disclaims any obligation, to revise any forward-looking statements to reflect the occurrence of anticipated or unanticipated events or circumstances after the date of such statements. Forward Looking Statements 2

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![](investorpresentation-q22003.jpg)

Founded: 1926 Locations: 32 Employees: 555 Headquarters: Asheville, NC NYSE: HTB Overview $4.6B Assets $3.7B Loans $3.7B Deposits 132% Price to TBV 9,947,945 Total Shares Repurchased Since Buybacks Approved in April 2013 $716MM Market Cap 43,988 TTM Average Daily Volume 17,492,143 Outstanding Shares • Financial data as of June 30, 2025 • Market data as of July 23, 2025 3

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![](investorpresentation-q22004.jpg)

One of the Top 50 Community Banks two years in a row - 2023 and 2024 One of the Top 100 Best Banks two years in a row - 2024 and 2025 Ranked 34th in Bank Director's Best U.S. Banks less than $5 billion - 2024 4 Our Goal Become a High-Performing, Regional Community Bank One of only 16 banks (top 5%) recognized for consistent earnings growth over the past 10 years 2025

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![](investorpresentation-q22005.jpg)

Become a regionally & nationally recognized Best Place to Work The Strategy to Reach Our Goal 5

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![](investorpresentation-q22006.jpg)

$24.69 $25.47 $26.39 $27.10 $27.73 $28.57 $29.24 $30.00 $30.92 $21.00 $22.00 $23.00 $24.00 $25.00 $26.00 $27.00 $28.00 $29.00 $30.00 $31.00 $32.00 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 See Appendix – Non-GAAP Reconciliation Tangible Book Value Per Share Growth +11.9% CAGR over last 24 months 6

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![](investorpresentation-q22007.jpg)

Transfer of Common Stock to NYSE HTB • Transitioned from Nasdaq to the NYSE in February 2025 • Change in ticker from HTBI to HTB • Joined other peers and community banks in transfer • Further demonstration of the maturation of Company • Potential enhanced liquidity and trading volume 7

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![](investorpresentation-q22008.jpg)

Focused Deposit Growth Organizational Maturity Strategic Framework High Performance Best Place to Work Added Shareholder Value Engaged Employees Collaborative Culture Great Markets for Business Strong Balance Sheet Foundation Priorities Goals 8

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![](investorpresentation-q22009.jpg)

Key Investment Highlights Footprint in attractive metro markets experiencing growth rates above the national average (See Pages 11-12) Successful transition to a commercial bank (See Pages 8, 10, 13-19) • Expansion of lines of business, adding further diversity to our loan portfolio • Strong experienced team of revenue producers with local market knowledge • Attractive core deposit mix and cost • Refreshed leadership team with extensive banking experience Our stock represents a value when compared to our peers (See Pages 24-26) Transformation efforts have driven improvements in profitability and our capital position (See Pages 6, 20, 21-23, 27-28) • Top quartile financial performance and superior interest margin • Proven ability to generate noninterest income • Continued expense rationalization • Robust tangible book value growth with minimal AOCI effect • Strong capital position to support continued growth Strong asset quality and credit discipline to support further growth (See Page 21) 9

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![](investorpresentation-q22010.jpg)

Refreshed Leadership Team Executive Management • C. Hunter Westbrook – President & CEO (2012) • Charles F. Sivley Jr. – Chief Technology Officer (2024) • John Sprink – Commercial Banking Group Executive (2014) • Kevin M. Nunley – Chief Credit Officer (2020) • Kristin Y. Powell – Consumer & Bus. Banking Group Executive (2015) • Lora Jex – Chief Risk Officer (2023) • Megan Pelletier – Chief Operations & People Officer (2022) • Tony J. VunCannon – CFO, Corporate Secretary & Treasurer (1992) Board of Directors • Richard T. Williams, Chair (2016) • C. Hunter Westbrook, Vice-Chair (2021) • Bonnie V. Hancock (2024) • Dwight L. Jacobs (2024) • Jesse J. Cureton, Jr. (2024) • John A. Switzer (2019) • Laura C. Kendall (2016) • Narasimhulu Neelagaru M.D. (2023) • Rebekah M. Lowe (2020) • Robert E. James, Jr. (2016) \*The years identified above reflect the years these individuals joined the Company 7 of our 8 Executive officers have joined the Company since our 2012 conversion, joining from leadership positions at institutions such as PNC, SouthState, SunTrust, TCF and Wells Fargo All board members have been appointed since our 2012 mutual to stock conversion, including the addition of three new directors in April 2024 10

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![](investorpresentation-q22011.jpg)

Strong Southeast Footprint Source: S&P Global Market Intelligence for MSA Demographics Raleigh 7.4% Population Growth 11.8% HH Income Growth Charlotte 6.6% Population Growth 10.3% HH Income Growth Atlanta 4.4% Population Growth 7.7% HH Income Growth Greenville 6.4% Population Growth 6.3% HH Income Growth (2025 to 2030 Projected Changes) Charleston 7.4% Population Growth 10.1% HH Income Growth Focused on High-Growth Markets 11 1. 4. 7. 8. 18. North Carolina Virginia Georgia Tennessee South Carolina2025

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![](investorpresentation-q22012.jpg)

Continuing Southeast Migration Source: U.S. Census Bureau, Vintage 2024 Population Estimates 12 Focus on High-Growth Markets

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![](investorpresentation-q22013.jpg)

Business Banking Business Banking Centers SBA Lending Community Association Banking Small Business Banking Consumer Banking Commercial Commercial Real Estate Commercial & Industrial Middle Market Banking Equipment & Municipal Finance Treasury Management Services Retail Banking Market Teams Consumer Banking Digital Banking Mortgage Banking Investment Services Professional Banking HELOCs Originated for Sale Primary Lines of Business 13

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![](investorpresentation-q22014.jpg)

"Branch-Lite" Business Banking Centers "Branch Heavy" Consumer Markets Asheville Roanoke Tri-Cities Branch Manager & Consumer Banker Introducing Micro-Business Loans Atlanta Charlotte Greenville Raleigh Branch Manager & Small Business Banker Small Business Banking & Professional Banking 14 Hybrid Branch Strategy

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![](investorpresentation-q22015.jpg)

Commercial RE (NOO) 27% Commercial RE (OO) 15% Construction and Development 9% Other Commercial 15% Equipment Finance 10% 1-4 Family 17% HELOCs and Other Consumer 7% Diversified Loan Portfolio 15 Total Loans $3,671,951 (Dollars in thousands, as of June 30, 2025) With Low Concentration Risk

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![](investorpresentation-q22016.jpg)

$- $25,000 $50,000 $75,000 $100,000 $125,000 $150,000 $175,000 $200,000 Hospitality Healthcare Other Multifamily Shopping Centers Other Retail Office Industrial Non-Owner Occupied CRE NOO CRE – Office Top 5 loans: $6,353,000 $6,323,000 $4,973,000 $4,939,000 $4,652,000 Total - $27,240,000 (29% of the portfolio) 16 (Dollars in thousands, as of June 30, 2025)

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![](investorpresentation-q22017.jpg)

C&I 33% Hotel 30% Retail 24% Other 9% Office 4% SBA Portfolio Total Balance $137,278 Guaranteed Balance $45,084 0.00% 2.00% 4.00% 6.00% 8.00% 10.00% $- $1,500 $3,000 $4,500 $6,000 $7,500 6/30/24 9/30/24 12/31/24 3/31/25 6/30/25 Classified SBA Loans Unguaranteed Balance % of SBA Portfolio 17 SBA Loans Portfolio (Dollars in thousands, as of June 30, 2025)

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![](investorpresentation-q22018.jpg)

0.00% 0.50% 1.00% 1.50% 2.00% 2.50% 3.00% $- $2,000 $4,000 $6,000 $8,000 $10,000 $12,000 6/30/24 9/30/24 12/31/24 3/31/25 6/30/25 Classified EF Loans Loan Balance % of EF Portfolio 18 Equipment Finance Portfolio (Dollars in thousands, as of June 30, 2025) Construction 30% Healthcare 15% Other 15% Over the Road Transport 14% Other Transport 14% Manufacturing 12% Equipment Finance Portfolio Total Balance $360,499

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![](investorpresentation-q22019.jpg)

Noninterest- bearing 19% NOW 15% Money Market/Savings 41% Time Deposits 25% 2.33% 2.48% 2.35% 2.19% 2.05% 1.50% 1.75% 2.00% 2.25% 2.50% 2.75% Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Cost of Deposits Deposit Franchise 19 (Dollars in thousands, as of June 30, 2025) Total Deposits $3,666,178

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![](investorpresentation-q22020.jpg)

Strong Profitability Metrics (Dollars in thousands, by year) $0.50 $1.00 $1.50 $2.00 $2.50 $3.00 $3.50 $4.00 $- $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 2021 2022 2023 2024 2025 Adjusted Earnings Performance Adj. Net Income (Annualized) Adj. Net Income Adj. Diluted EPS (Annualized) 0.25% 0.45% 0.65% 0.85% 1.05% 1.25% 1.45% 1.65% 2021 2022 2023 2024 Q2 2025\* Adjusted Return on Assets 50% 55% 60% 65% 70% 75% 2021 2022 2023 2024 Q2 2025\* Adjusted Efficiency Ratio 2% 4% 6% 8% 10% 12% 14% 2021 2022 2023 2024 Q2 2025\* Adjusted Return on Average Tangible Common Equity \* Period reflects calendar year to date data See Appendix – Non-GAAP Reconciliation 20

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![](investorpresentation-q22021.jpg)

Solid Asset Quality and Credit Discipline (Dollars in thousands) 0.00% 0.05% 0.10% 0.15% 0.20% 0.25% 0.30% $- $2,000 $4,000 $6,000 $8,000 $10,000 $12,000 2021 2022 2023 2024 2025 Net Charge-Offs ("NCO") and NCO to Average Loans NCOs (Annualized) NCOs NCO/Avg. Loans 0.10% 0.20% 0.30% 0.40% 0.50% 0.60% 0.70% 12/31/21 12/31/22 12/31/23 12/31/24 6/30/25 Nonperforming Assets to Total Assets 0% 150% 300% 450% 600% 750% 12/31/21 12/31/22 12/31/23 12/31/24 6/30/25 ACL to Nonperforming Loans (Coverage Ratio) 21 0.60% 0.80% 1.00% 1.20% 1.40% 1.60% $- $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 12/31/21 12/31/22 12/31/23 12/31/24 6/30/25 Allowance for Credit Losses ("ACL") and ACL to Total Loans ACL ACL/Total Loans

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![](investorpresentation-q22022.jpg)

Strong Capital Position to Support Continued Growth (Dollars in thousands) 7% 8% 9% 10% 11% 12% 13% 14% 12/31/21 12/31/22 12/31/23 12/31/24 6/30/25 Tier I Capital (to Risk-Weighted Assets) 9% 10% 11% 12% 13% 14% 15% 12/31/21 12/31/22 12/31/23 12/31/24 6/30/25 Total Risk-Based Capital (to Risk-Weighted Assets) 6% 7% 8% 9% 10% 11% 12% 13% 14% 12/31/21 12/31/22 12/31/23 12/31/24 6/30/25 Common Equity Tier I Capital (to Risk-Weighted Assets) 4% 5% 6% 7% 8% 9% 10% 11% 12% 13% 12/31/21 12/31/22 12/31/23 12/31/24 6/30/25 Tier I Capital (to Total Adjusted Assets) 22

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![](investorpresentation-q22023.jpg)

Capital Strategy 0% 5% 10% 15% 20% 25% 30% $- $0.10 $0.20 $0.30 $0.40 $0.50 2021 2022 2023 2024 2025 Annualized Cash Dividends Dividend/Share Annualized Dividend/Share Dividend Payout Ratio 60% 70% 80% 90% 100% 110% 120% 130% 140% $- $5.00 $10.00 $15.00 $20.00 $25.00 $30.00 $35.00 $40.00 12/31/21 12/31/22 12/31/23 12/31/24 6/30/25 Market Price and Price to Tangible Book Market Price per Share Price to Tangible Book Stock Buybacks Buybacks Total Buybacks as a % of O/S Shares as of 2/19/13 Number of Shares Total Cost ($) Average Cost Per Share ($) Total repurchased through June 30, 2025 45.9% 9,947,945 $207,532,000 $20.86 Shares remaining to be repurchased under most recent buyback plan 149,944 78,412 shares repurchased during the three months ended June 30, 2025 Total repurchased and authorized 10,097,889 • On April 22, 2024, the Company's Board of Directors re-authorized the repurchase of the remaining shares of the Company's common stock under the repurchase plan originally authorized in February of 2022. 23

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![](investorpresentation-q22024.jpg)

0.00% 0.25% 0.50% 0.75% 1.00% 1.25% 1.50% 1.75% 2.00% 2.25% 2.50% 2.75% R B C A .A C H C O C C B G S Y B T F C B C C T B I H T B U V S P P E B O F M N B C IV B S M B K C B A N C A R E C C N E G A B C S F S T Annualized Return on Assets ("ROA") (Three Months ended March 31, 2025) Valuation – Peer Comparison HTB ROA (Annualized) 1.33% Median Source: Each institution's respective public filings 24

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![](investorpresentation-q22025.jpg)

0.0 5.0 10.0 15.0 20.0 25.0 30.0 35.0 G A B C S Y B T F C B C C H C O S F S T S M B K C C N E P E B O C B A N C A R E C T B I H T B U V S P C C B G F M N B C IV B R B C A .A Stock Price to Annualized Earnings per Share ("EPS") (Three Months ended March 31, 2025) Valuation – Peer Comparison HTB Stock Price $34.28 HTB Annualized Diluted EPS $3.36 Stock Price to EPS 10.20x Median Source: Each institution's respective public filings 25

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![](investorpresentation-q22026.jpg)

0.0 0.5 1.0 1.5 2.0 2.5 3.0 3.5 C H C O S Y B T G A B C F M N B F C B C C C B G P E B O S M B K C T B I R B C A .A C B A N C IV B H T B U V S P C A R E C C N E S F S T Stock Price to Tangible Book Value ("TBV") per Share (Three Months ended March 31, 2025) Valuation – Peer Comparison Source: Each institution's respective public filings HTB Stock Price $34.28 HTB TBV per Share $30.00 Stock Price to TBV 114% Median 26

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![](investorpresentation-q22027.jpg)

Quarterly Highlights Net Income Per Share 6/30/2025 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 Basic $1.01 $0.84 $0.83 $0.77 $0.73 $0.88 Diluted $1.00 $0.84 $0.83 $0.76 $0.73 $0.88 See Appendix – Non-GAAP Reconciliation Performance Ratios 6/30/2025 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 Return on assets (ROA) 1.58 % 1.33 % 1.27 % 1.17 % 1.13 % 1.37 % Return on equity (ROE) 11.97 % 10.52 % 10.32 % 9.76 % 9.58 % 11.91 % Yield on earning assets 6.22 % 6.20 % 6.27 % 6.34 % 6.32 % 6.18 % Rate paid on interest-bearing liabilities 2.61 % 2.73 % 2.94 % 3.09 % 3.01 % 2.87% Net interest margin 4.32 % 4.18 % 4.09 % 4.03 % 4.10 % 4.05 % Efficiency ratio - adjusted 58.59 % 60.29 % 59.89 % 60.52 % 59.89 % 60.85 % Asset Quality Ratios 6/30/2025 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 Nonperforming assets to total assets 0.67 % 0.61 % 0.63 % 0.64 % 0.54 % 0.43 % Nonperforming loans to total loans 0.81 % 0.74 % 0.76 % 0.78 % 0.68 % 0.55 % Classified assets to total assets 1.07 % 0.85 % 1.06 % 0.99 % 0.91 % 0.80 % ACL to nonperforming loans 147.98 % 165.96 % 163.68 % 166.51 % 194.80 % 235.18 % ACL to total loans 1.20 % 1.23 % 1.24 % 1.30 % 1.33 % 1.30 % Net charge-offs to average loans 0.21 % 0.14 % 0.19 % 0.42 % 0.27 % 0.24 % 27

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![](investorpresentation-q22028.jpg)

Quarterly Highlights Net Interest Margin 4.33% 4.04% 4.05% 4.05% 4.10% 4.03% 4.09% 4.18% 4.32% 4.26% 4.04% 4.06% 4.02% 4.05% 3.98% 3.95% 4.14% 4.16% 3.50% 3.75% 4.00% 4.25% 4.50% Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 NIM Reported NIM Core\* 4.25% 4.50% 4.75% 5.00% 5.25% 5.50% 5.75% Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Federal Funds Rate \* Core net interest margin excludes accretion income and other loan fees. 28

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![](investorpresentation-q22029.jpg)

Appendix – Non-GAAP Recon In addition to results presented in accordance with generally accepted accounting principles utilized in the United States ("GAAP"), this document contains certain non- GAAP financial measures, which include: the efficiency ratio; tangible book value; tangible book value per share; net income, EPS, ROA, and return on average tangible common equity (ROATE) as adjusted to exclude transactions which management does not consider to be reflective of "core" financial results. Management has presented the non-GAAP financial measures in this document as it believes including these items provides useful and comparative information to assess trends in our core operations while facilitating the comparison of the quality and composition of our earnings over time and in comparison to our competitors. However, these non- GAAP financial measures are supplemental, are not audited and are not a substitute for operating results or any analysis determined in accordance with GAAP. Where applicable, we have also presented comparable earnings information using GAAP financial measures. Because not all companies use the same calculations, our presentation may not be comparable to other similarly titled measures as calculated by other companies. 6 Months Ended (Dollars in thousands) 6/30/2025 12/31/2024 12/31/2023 12/31/2022 12/31/2021 Noninterest expense 62,216$125,497$123,655$105,423$130,578$ Less: contract renew al consulting fee - (2,965) - - - Less: merger-related expense - - (4,741) (724) - Less: branch closure and restructuring expenses - - - - (1,513) Less: off icer transition agreement expense - - - (1,795) - Less: prepayment penalties on borrow ings - - - - (22,690) Noninterest expense - adjusted 62,216$122,532$118,914$102,904$106,375$ Net interest income 87,136$169,504$169,999$127,964$106,566$ Plus: tax-equivalent adjustment 849 1,460 1,244 1,189 1,268 Plus: noninterest income 18,184 33,449 32,073 34,515 42,284 Less: net death benefit proceeds from BOLI policies - (1,143) (2,646) - - Less: gain on sale of debt securities available for sale - - - (1,895) - Less: gain on sale of equity securities - - - (721) - Less: gain on sale of branches (1,448) - - - - Less: (gain) loss on sale of premises and equipment (28) 9 (734) (1,115) 1,398 Net interest income plus noninterest income - adjusted 104,693$203,279$199,936$159,937$151,516$ Eff iciency ratio 59.07% 61.84% 61.19% 64.88% 87.72% Efficiency ratio - adjusted 59.43% 60.28% 59.48% 64.34% 70.21% 12 Months Ended (Dollars in thousands) 6/30/2025 12/31/2024 12/31/2023 12/31/2022 12/31/2021 Total stockholder's equity 579,274$551,758$499,893$410,155$401,746$ Less: goodw ill, core deposit intangibles, net of taxes (38,477) (39,189) (41,086) (25,663) (25,780) Tangible book value 540,797$512,569$458,807$384,492$375,966$ Common shares outstanding 17,492,143 17,527,709 17,387,069 15,673,595 16,303,461 Book value per share 33.12$31.48$28.75$26.17$24.64$ Tangible book value per share 30.92$29.24$26.39$24.53$23.06$ HomeTrust Bancshares, Inc. share price 37.41$33.68$26.92$24.17$30.98$ Price to tangible book value 121.0% 115.2% 102.0% 98.5% 134.3% As of Set forth is a reconciliation to GAAP of our efficiency ratio: Set forth is a reconciliation to GAAP of tangible book value, tangible book value per share, and price to tangible book value: 29

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Appendix – Non-GAAP Recon Set forth is a reconciliation to GAAP of tangible book value, tangible book value per share, and price to tangible book value: (Dollars in thousands) 6/30/2025 3/31/2025 12/31/2024 9/30/2024 6/30/2024 Total stockholder's equity 579,274$565,449$551,758$540,004$523,628$ Less: goodw ill, core deposit intangibles, net of taxes (38,477) (38,793) (39,189) (39,626) (40,063) Tangible book value 540,797$526,656$512,569$500,378$483,565$ Common shares outstanding 17,492,143 17,552,626 17,527,709 17,514,922 17,437,326 Book value per share 33.12$32.21$31.48$30.83$30.03$ Tangible book value per share 30.92$30.00$29.24$28.57$27.73$ HomeTrust Bancshares, Inc. share price 37.41$34.28$33.68$34.08$30.03$ Price to tangible book value 121.0% 114.2% 115.2% 119.3% 108.3% As of (Dollars in thousands) 3/31/2024 12/31/2023 9/30/2023 6/30/2023 Total stockholder's equity 513,173$499,893$484,411$471,186$ Less: goodw ill, core deposit intangibles, net of taxes (40,500) (41,086) (41,748) (42,410) Tangible book value 472,673$458,807$442,663$428,776$ Common shares outstanding 17,444,787 17,387,069 17,380,307 17,366,673 Book value per share 29.42$28.75$27.87$27.13$ Tangible book value per share 27.10$26.39$25.47$24.69$ HomeTrust Bancshares, Inc. share price 27.34$26.92$21.67$20.89$ Price to tangible book value 100.9% 102.0% 85.1% 84.6% As of (Continued) 30

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6 Months Ended (Dollars in thousands) 6/30/2025 12/31/2024 12/31/2023 12/31/2022 12/31/2021 Contract renew al consulting fee -$2,965$-$-$-$ Merger-related expense - - 4,741 724 - Provision for credit losses established for merger - - 5,270 - - Net death benefit proceeds from BOLI policies - (1,143) (2,646) - - Tax impact of BOLI restructuring - - 288 - - Gain on sale of equity securities - - - (721) - Gain on sale of branches (1,448) - - - - (Gain) loss on sale of premises and equipment (28) 9 (734) (1,115) 1,398 Branch closure and restructuring expenses - - - - 1,513 Off icer transition agreement expense - - - 1,795 - Gain on sale of debt securities available for sale - - - (1,895) - Prepayment penalty on borrow ings - - - - 22,690 Total adjustments (1,476) 1,831 6,919 (1,212) 25,601 Less: tax effect 347 (430) (1,558) 285 (6,016) Total adjustments, net of tax (1,129) 1,401 5,361 (927) 19,585 Net income (GAAP) 31,749 54,805 50,044 36,905 22,066 Adjusted net income (non-GAAP) 30,620$56,206$55,405$35,978$41,651$ Average shares outstanding - basic 17,008,699 16,914,741 16,604,881 15,149,241 15,815,635 Average shares outstanding - diluted 17,109,842 16,977,330 16,622,371 15,319,601 16,182,068 Basic EPS (GAAP) 1.85$3.21$2.99$2.42$1.38$ Non-GAAP adjustment (0.07) 0.08 0.32 (0.06) 1.24 Adjusted basic EPS (non-GAAP) 1.78$3.29$3.31$2.36$2.62$ Diluted EPS (GAAP) 1.84$3.20$2.99$2.39$1.35$ Non-GAAP adjustment (0.07) 0.08 0.32 (0.06) 1.21 Adjusted diluted EPS (non-GAAP) 1.77$3.28$3.31$2.33$2.56$ Average assets 4,396,802$4,439,661$4,285,115$3,551,791$3,618,635$ Average equity 568,488$528,288$471,107$398,055$401,527$ ROA (GAAP) 1.46% 1.23% 1.17% 1.04% 0.61% Non-GAAP adjustment -0.05% 0.03% 0.13% -0.03% 0.54% Adjusted ROA (non-GAAP) 1.41% 1.26% 1.30% 1.01% 1.15% ROE (GAAP) 11.26% 10.37% 10.62% 9.27% 5.50% Non-GAAP adjustment -0.40% 0.27% 1.14% -0.23% 4.88% Adjusted ROE (non-GAAP) 10.86% 10.64% 11.76% 9.04% 10.38% Average equity 568,488$528,288$471,107$398,055$401,527$ Less: goodw ill, core deposit intangible, net of taxes (38,477) (39,189) (41,086) (25,663) (25,780) Average tangible book value 530,011$489,099$430,021$372,392$375,747$ Adjusted ROATCE 11.55% 11.49% 12.88% 9.66% 11.08% 12 Months Ended Appendix – Non-GAAP Recon In relation to the two- class method, net income used in the calculations of basic and diluted EPS have adjustments, which are included in Company documents previously filed with the SEC. (Continued) 31

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(Dollars in thousands) 6/30/2025 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 Noninterest expense 31,255$30,961$34,009$30,869$30,490$30,138$ Less: contract renew al consulting fee - - (2,965) - - - Noninterest expense - adjusted 31,255$30,961$31,044$30,869$30,490$30,138$ Net interest income 44,229$42,907$43,205$42,358$42,446$41,495$ Plus: tax-equivalent adjustment 431 418 389 368 354 349 Plus: noninterest income 10,157 8,027 8,243 8,282 8,113 8,820 Less: gain on death benefit proceeds from BOLI policies - - - - - (1,143) Less: gain on sale of branches (1,448) - - - - - Less: (gain) loss on sale of premises and equipment (28) - - - - 9 Net interest income plus noninterest income - adjusted 53,341$51,352$51,837$51,008$50,913$49,530$ Eff iciency Ratio 57.47% 60.79% 66.10% 60.96% 60.31% 59.90% Efficiency Ratio - adjusted 58.59% 60.29% 59.89% 60.52% 59.89% 60.85% 3 Months ended Appendix – Non-GAAP Recon Set forth is a reconciliation to GAAP of our quarterly return on assets: (Dollars in thousands) 6/30/2025 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 Contract renew al consulting fee -$-$2,965$-$-$-$ Gain on death benefit proceeds from BOLI policies - - - - - (1,143) Gain on sale of branches (1,448) - - - - - (Gain) loss on sale of premises and equipment (28) - - - - 9 Total adjustments (1,476)$-$2,965$-$-$(1,134)$ Less: tax effect 347 - (697) - - 266 Total adjustments, net of tax (1,129) - 2,268 - - (868) Net income (GAAP) 17,210 14,539 14,208 13,112 12,418 15,067 Adjusted net income (non-GAAP) 16,081$14,539$16,476$13,112$12,418$14,199$ Average assets 4,366,891$4,427,045$4,461,612$4,449,215$4,426,915$4,420,556$ Average equity 576,574$560,312$547,711$534,726$521,562$508,870$ ROA (GAAP) 1.58% 1.33% 1.27% 1.17% 1.13% 1.37% Non-GAAP adjustment -0.10% 0.00% 0.20% 0.00% 0.00% -0.08% Adjusted ROA (non-GAAP) 1.48% 1.33% 1.47% 1.17% 1.13% 1.29% ROE (GAAP) 11.97% 10.52% 10.32% 9.76% 9.58% 11.91% Non-GAAP adjustment -0.78% 0.00% 1.66% 0.00% 0.00% -0.68% Adjusted ROE (non-GAAP) 11.19% 10.52% 11.98% 9.76% 9.58% 11.23% 3 Months ended Set forth is a reconciliation to GAAP of our quarterly efficiency ratio: (Continued) 32

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33 Culture Fundamentals 33 1. DO THE RIGHT THING, ALWAYS 2. LOOK AHEAD AND ANTICIPATE 3. BE POSITIVE 4. THINK TEAM 5. LISTEN GENEROUSLY 6. SPEAK STRAIGHT 7. EMBRACE DIVERSE PERSPECTIVES 8. FIND A WAY 9. PRACTICE BLAMELESS PROBLEM-SOLVING 10. BE OBJECTIVE 11. PAY ATTENTION TO THE DETAILS 12. INVEST IN RELATIONSHIPS 13. DEBATE, THEN ALIGN 14. GO THE EXTRA MILE 15. TAKE INTELLIGENT RISKS 16. PRACTICE KINDNESS 17. THINK AND ACT LIKE AN OWNER 18. GET CLEAR ON EXPECTATIONS 19. HONOR COMMITMENTS 20. SHOW MEANINGFUL APPRECIATION 21. ASSUME POSITIVE INTENT 22. "BRING IT" EVERY DAY 23. BE RELENTLESS ABOUT IMPROVEMENT 24. BE A FANATIC ABOUT RESPONSE TIME 25. WORK ON YOURSELF 26. COLLABORATE 27. MAKE QUALITY PERSONAL 28. BE READY FOR WHAT'S NEXT 29. DELIVER AN EFFORTLESS EXPERIENCE 30. CREATE A GREAT IMPRESSION 31. OWN YOUR WORK-LIFE BALANCE 32. FOCUSED EXECUTION 33. KEEP THINGS FUN "How we engage our customers, how we treat each other, and how we manage the Bank."

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Hunter Westbrook President and Chief Executive Officer hunter.westbrook@htb.com Tony VunCannon EVP / Chief Financial Officer Corporate Secretary / Treasurer tony.vuncannon@htb.com 10 Woodfin Street Asheville, NC 28801 (828) 259-3939 www.htb.com 34

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