HomeTrust Bancshares, Inc. Announces Financial Results for the Fourth Quarter of the Year Ended December 31, 2025 and Declaration of a Quarterly Dividend

Core Insights - HomeTrust Bancshares, Inc. reported a preliminary net income of $16.1 million for Q4 2025, a decrease of 2.2% from Q3 2025, and a net income of $64.4 million for the year 2025, representing a 17.4% increase from 2024 [6][19]. Financial Performance - For Q4 2025, diluted earnings per share (EPS) were $0.93, down from $0.95 in Q3 2025 [9]. - The annualized return on assets (ROA) for Q4 2025 was 1.44%, compared to 1.48% in Q3 2025, while the return on equity (ROE) was 10.63%, down from 11.10% [9]. - The net interest margin decreased to 4.20% in Q4 2025 from 4.31% in Q3 2025 [9]. Dividend Declaration - The Board of Directors declared a quarterly cash dividend of $0.13 per common share, payable on February 26, 2026, to shareholders of record as of February 18, 2026 [2]. Noninterest Income and Expense - Noninterest income for Q4 2025 increased by $645,000, or 7.4%, compared to Q3 2025, totaling $9.396 million [15][17]. - Noninterest expense for Q4 2025 rose by $428,000, or 1.4%, compared to Q3 2025, totaling $31.694 million [18]. Asset Quality - The allowance for credit losses (ACL) on loans was $41.5 million, or 1.16% of total loans, at December 31, 2025, down from $45.3 million, or 1.24%, at December 31, 2024 [36]. - Net loan charge-offs for the year ended December 31, 2025, totaled $9.3 million, compared to $10.8 million for the prior year [37]. Balance Sheet Overview - Total assets decreased by $49.8 million to $4.5 billion, while total liabilities decreased by $98.7 million to $3.9 billion at December 31, 2025 [33]. - Stockholders' equity increased by $48.9 million, or 8.9%, to $600.7 million at December 31, 2025 [34].