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, 2025 ☐ TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _______ to ________ Commission file number: 001-35593 HOMETRUST BANCSHARES, INC. (Exact name of registrant as specified in its charter) Maryland 45-5055422 (State or other jurisdic ...

HomeTrust Bancshares, Inc. Announces Financial Results for the Third Quarter of the Year Ending December 31, 2025 and an Increase in the Quarterly Dividend ASHEVILLE, N.C., October 22, 2025 – HomeTrust Bancshares, Inc. (NYSE: HTB) ("Company"), the holding company of HomeTrust Bank ("Bank"), today announced preliminary net income for the third quarter of the year ending December 31, 2025 and an increase in its quarterly cash dividend. For the quarter ended September 30, 2025 compared to the quarter ended Jun ...

☐ 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 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 HOMETRUST BANCSHARES, INC. (Exact name of registrant as specified in its charter) Maryland 45-5055422 (State or other jurisdiction ...

HomeTrust Bancshares, Inc. Announces Financial Results for the Second Quarter of the Year Ending December 31, 2025 and Declaration of a Quarterly Dividend ASHEVILLE, N.C., July 22, 2025 – HomeTrust Bancshares, Inc. (NYSE: HTB) ("Company"), the holding company of HomeTrust Bank ("Bank"), today announced preliminary net income for the second quarter of the year ending December 31, 2025 and approval of its quarterly cash dividend. WEBSITE: WWW.HTB.COM For the quarter ended June 30, 2025 compared to the quarter ...

PART I FINANCIAL INFORMATION [Item 1. Financial Statements](index=5&type=section&id=Item%201.%20Financial%20Statements) This section presents HomeTrust Bancshares, Inc.'s unaudited consolidated financial statements and detailed notes for the period [Consolidated Balance Sheets](index=5&type=section&id=Consolidated%20Balance%20Sheets) Total assets slightly decreased to **$4.56 billion**, while equity increased to **$565.4 million** as of March 31, 2025 Consolidated Balance Sheet Highlights (Unaudited) | Account | March 31, 2025 ($ in thousands) | December 31, 2024 ($ in thousands) | Change (%) | | :--- | :--- | :--- | :--- | | **Total Assets** | **$4,558,060** | **$4,595,430** | **-0.8%** | | Cash and cash equivalents | $299,825 | $279,219 | +7.4% | | Loans, net | $3,603,867 | $3,603,014 | +0.02% | | **Total Liabilities** | **$3,992,611** | **$4,043,672** | **-1.3%** | | Deposits | $3,736,360 | $3,779,203 | -1.1% | | Borrowings | $177,000 | $188,000 | -5.9% | | **Total Stockholders' Equity** | **$565,449** | **$551,758** | **+2.5%** | [Consolidated Statements of Income](index=6&type=section&id=Consolidated%20Statements%20of%20Income) Net income for Q1 2025 was **$14.5 million**, a slight decrease due to higher expenses and credit loss provisions Consolidated Income Statement Summary (Unaudited) | Account | Three Months Ended Mar 31, 2025 ($ in thousands) | Three Months Ended Mar 31, 2024 ($ in thousands) | Change (%) | | :--- | :--- | :--- | :--- | | Net Interest Income | $42,907 | $41,230 | +4.1% | | Provision for credit losses | $1,540 | $1,165 | +32.2% | | Noninterest Income | $8,027 | $8,811 | -8.9% | | Noninterest Expense | $30,961 | $29,864 | +3.7% | | **Net Income** | **$14,539** | **$15,067** | **-3.5%** | | **Diluted EPS** | **$0.84** | **$0.88** | **-4.5%** | [Consolidated Statements of Comprehensive Income](index=7&type=section&id=Consolidated%20Statements%20of%20Comprehensive%20Income) Comprehensive income for Q1 2025 increased to **$15.6 million**, driven by a **$1.1 million** unrealized gain on AFS debt securities Comprehensive Income Summary (Unaudited) | Account | Three Months Ended Mar 31, 2025 ($ in thousands) | Three Months Ended Mar 31, 2024 ($ in thousands) | | :--- | :--- | :--- | | Net Income | $14,539 | $15,067 | | Total other comprehensive income (loss) | $1,085 | $(604) | | **Comprehensive Income** | **$15,624** | **$14,463** | [Consolidated Statements of Changes in Stockholders' Equity](index=8&type=section&id=Consolidated%20Statements%20of%20Changes%20in%20Stockholders%27%20Equity) Stockholders' equity increased to **$565.4 million** at March 31, 2025, primarily due to **$14.5 million** in net income and **$1.1 million** in other comprehensive income - Key drivers for the change in stockholders' equity in Q1 2025 included net income of **$14.5 million**, cash dividends of **$2.1 million** (**$0.12/share**), and common stock repurchases of **$0.5 million**[20](index=20&type=chunk) [Consolidated Statements of Cash Flows](index=9&type=section&id=Consolidated%20Statements%20of%20Cash%20Flows) Cash and cash equivalents increased by **$20.6 million** in Q1 2025, driven by operating and investing activities Cash Flow Summary (Unaudited) | Activity | Three Months Ended Mar 31, 2025 ($ in thousands) | Three Months Ended Mar 31, 2024 ($ in thousands) | | :--- | :--- | :--- | | Net cash provided by (used in) operating activities | $71,689 | $(9,034) | | Net cash provided by investing activities | $5,648 | $48,147 | | Net cash used in financing activities | $(56,731) | $(5,760) | | **Net increase in cash and cash equivalents** | **$20,606** | **$33,353** | [Notes to Consolidated Financial Statements](index=12&type=section&id=Notes%20to%20Consolidated%20Financial%20Statements) This section provides detailed disclosures for debt securities, loan portfolios, credit losses, deposits, borrowings, and fair value measurements Debt Securities Available for Sale (AFS) at Fair Value | Security Type | March 31, 2025 ($ in thousands) | December 31, 2024 ($ in thousands) | | :--- | :--- | :--- | | MBS, residential | $144,221 | $144,147 | | Municipal bonds | $1,888 | $3,396 | | Corporate bonds | $4,468 | $4,468 | | **Total AFS** | **$150,577** | **$152,011** | - At March 31, 2025, the company had gross unrealized losses of **$2.2 million** on its AFS debt securities, with the majority (**$2.1 million**) having been in a loss position for 12 months or more. Management does not believe a credit loss exists and does not intend to sell these securities[40](index=40&type=chunk)[41](index=41&type=chunk) Loan Portfolio Composition | Loan Category | March 31, 2025 ($ in thousands) | December 31, 2024 ($ in thousands) | | :--- | :--- | :--- | | Commercial real estate | $1,803,494 | $1,806,365 | | Commercial | $892,805 | $888,543 | | Residential real estate | $888,142 | $879,362 | | Consumer | $64,168 | $74,029 | | **Total Loans** | **$3,648,609** | **$3,648,299** | Allowance for Credit Losses (ACL) - Loans | ACL Activity | Three Months Ended Mar 31, 2025 ($ in thousands) | | :--- | :--- | | Beginning Balance (Dec 31, 2024) | $45,285 | | Provision for credit losses | $800 | | Charge-offs | $(1,796) | | Recoveries | $453 | | **Ending Balance (Mar 31, 2025)** | **$44,742** | - Nonaccrual loans totaled **$27.0 million** at March 31, 2025, a slight decrease from **$27.7 million** at December 31, 2024[73](index=73&type=chunk) - As of March 31, 2025, the company had **$295.3 million** in available borrowing capacity from the FHLB and **$98.0 million** from the FRB, in addition to **$165.0 million** in unused lines of credit with other banks[96](index=96&type=chunk)[97](index=97&type=chunk)[178](index=178&type=chunk) [Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations](index=35&type=section&id=Item%202.%20Management%27s%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations) Management discusses Q1 2025 financial results, highlighting net income of **$14.5 million**, improved net interest margin, and stable asset quality Q1 2025 vs Q4 2024 Financial Highlights | Metric | Q1 2025 | Q4 2024 | | :--- | :--- | :--- | | Net Income | $14.5 million | $14.2 million | | Diluted EPS | $0.84 | $0.83 | | Net Interest Margin | 4.18% | 4.09% | | Provision for Credit Losses | $1.5 million | ($0.86 million) benefit | | Annualized ROA | 1.33% | 1.27% | | Annualized ROE | 10.52% | 10.32% | - Net interest income decreased slightly by **$298,000** quarter-over-quarter, as a **$2.6 million** decrease in interest income (due to lower average loan balances and fewer days) was mostly offset by a **$2.3 million** decrease in interest expense (due to lower-cost funding mix and fewer days)[158](index=158&type=chunk)[159](index=159&type=chunk)[160](index=160&type=chunk) - The provision for credit losses was a **$1.5 million** expense in Q1 2025, a significant shift from the **$0.9 million** benefit in Q4 2024. The change was driven by a **$1.8 million** increase in the provision for loans and a **$0.6 million** increase for off-balance-sheet exposure[161](index=161&type=chunk) - Noninterest expense decreased by **$3.0 million** (**9.0%**) from the prior quarter, primarily due to a **$3.0 million** one-time contract renewal consulting fee that was present in Q4 2024 but not in Q1 2025[164](index=164&type=chunk)[169](index=169&type=chunk) - Asset quality remained stable, with nonperforming assets at **0.61%** of total assets at March 31, 2025, compared to **0.63%** at year-end 2024. The outstanding balance of Hurricane Helene-related payment deferrals decreased from **$136.0 million** to **$109.9 million** during the quarter[170](index=170&type=chunk)[172](index=172&type=chunk) - The company and the bank both exceeded all regulatory capital requirements and were categorized as **'well-capitalized'** as of March 31, 2025. The CET1 capital ratio for the company was **13.00%**[185](index=185&type=chunk)[186](index=186&type=chunk) [Item 3. Quantitative and Qualitative Disclosures about Market Risk](index=43&type=section&id=Item%203.%20Quantitative%20and%20Qualitative%20Disclosures%20about%20Market%20Risk) No material changes in the company's market risk disclosures since the 2024 Annual Report on Form 10-K - There has been no material change in the market risk disclosures contained in the 2024 Form 10-K[189](index=189&type=chunk) [Item 4. Controls and Procedures](index=43&type=section&id=Item%204.%20Controls%20and%20Procedures) Disclosure controls and procedures were effective as of March 31, 2025, with no material changes to internal controls - The CEO and CFO concluded that the company's disclosure controls and procedures were effective as of March 31, 2025[190](index=190&type=chunk) - No material changes to the company's internal control over financial reporting occurred during the quarter ended March 31, 2025[193](index=193&type=chunk) PART II OTHER INFORMATION [Item 1. Legal Proceedings](index=44&type=section&id=Item%201.%20Legal%20Proceedings) No pending legal proceedings are expected to materially adversely affect the company's financial condition or operations - The company is not a party to any pending legal proceedings that management believes would have a material adverse effect on its financial condition or operations[126](index=126&type=chunk)[194](index=194&type=chunk) [Item 1A. Risk Factors](index=44&type=section&id=Item%201A.%20Risk%20Factors) No material changes in the company's risk factors since the 2024 Annual Report on Form 10-K - There have been no material changes in the Risk Factors previously disclosed in the 2024 Form 10-K[195](index=195&type=chunk) [Item 2. Unregistered Sales of Equity Securities and Use of Proceeds](index=44&type=section&id=Item%202.%20Unregistered%20Sales%20of%20Equity%20Securities%20and%20Use%20of%20Proceeds) In Q1 2025, the company repurchased **14,800 shares** at **$33.64/share**, with **228,356 shares** remaining for repurchase Common Stock Repurchases - Q1 2025 | Period | Total Shares Purchased | Average Price Paid per Share | | :--- | :--- | :--- | | Jan 2025 | 0 | $0.00 | | Feb 2025 | 0 | $0.00 | | Mar 2025 | 14,800 | $33.64 | | **Total** | **14,800** | **$33.64** | - As of March 31, 2025, **228,356 shares** remained authorized for repurchase under the existing plan[196](index=196&type=chunk) [Item 5. Other Information](index=44&type=section&id=Item%205.%20Other%20Information) No director or officer adopted or terminated a Rule 10b5-1 or non-Rule 10b5-1 trading arrangement in Q1 2025 - No director or officer adopted or terminated a Rule 10b5-1 trading plan during the first quarter of 2025[199](index=199&type=chunk) [Item 6. Exhibits](index=44&type=section&id=Item%206.%20Exhibits) This section lists the exhibits filed with the Form 10-Q, including CEO/CFO certifications and XBRL data

"In response to the recent turbulence in the economic environment, we currently do not anticipate a significant impact upon our business, but we are committed to working with our customers to provide the banking support that may be needed. As in past periods of uncertainty, we are confident that the resilience of our balance sheet and customers, coupled with our conservative approach to risk management, will position HomeTrust to succeed." WEBSITE: WWW.HTB.COM Contact: HomeTrust Bancshares, Inc. Announces F ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K (Mark One) ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Transition Period from ______________ to ______________ Commission File Number 1-35593 HOMETRUST BANCSHARES, INC. (Exact name of registrant as specified in its charter) (State or other jur ...

HomeTrust Bancshares (HTBI) could be a solid choice for investors given the company's remarkably improving earnings outlook. While the stock has been a strong performer lately, this trend might continue since analysts are still raising their earnings estimates for the company.Analysts' growing optimism on the earnings prospects of this holding company for HomeTrust Bank is driving estimates higher, which should get reflected in its stock price. After all, empirical research shows a strong correlation betwee ...

ASHEVILLE, N.C., Feb. 11, 2025 (GLOBE NEWSWIRE) -- HomeTrust Bancshares, Inc. (NASDAQ: HTBI) (“Company” or “HomeTrust”), the holding company of HomeTrust Bank, today announced that the Company will transfer the listing of its common stock from the NASDAQ Stock Market LLC (“NASDAQ”) to the New York Stock Exchange LLC (“NYSE”). HomeTrust’s common stock is expected to commence trading on the NYSE on Monday, February 24, 2025 under a new ticker symbol, “HTB”. The Company’s common stock is expected to continue t ...

Core Viewpoint - HomeTrust Bancshares, Inc. has entered into a definitive purchase and assumption agreement with Apex Bank for the acquisition of two branches in Knoxville, Tennessee, which includes customer deposit accounts estimated at $42 million, while HomeTrust retains the loan accounts associated with these branches [1][3]. Group 1: Transaction Details - Apex Bank will acquire the physical locations, related fixed assets, and substantially all customer deposit accounts from HomeTrust [1]. - The transaction is expected to close in the second quarter of 2025, pending customary closing conditions and regulatory approvals [3]. Group 2: Strategic Rationale - HomeTrust's CEO stated that this transaction aligns with the company's strategic plan to tighten its geographic footprint, improve branch efficiencies, and allocate capital for long-term growth in core markets [2]. - Apex Bank's CEO expressed excitement about expanding their footprint in Knoxville, emphasizing the commitment to better serve customers and support the community [3]. Group 3: Company Background - As of December 31, 2024, HomeTrust Bancshares, Inc. had assets of $4.6 billion and operates over 30 locations across North Carolina, South Carolina, East Tennessee, Southwest Virginia, and Georgia [5]. - Apex Bank, founded in 1931, has grown its total assets from $157 million in 2008 to over $1.35 billion in 2025, and has been recognized as one of the best-performing community banks in the nation [6].