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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, 2025

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

For the transition period from _______ to ________

Commission file number: 001-35593

HOMETRUST BANCSHARES, INC.

(Exact name of registrant as specified in its charter)


Maryland						45-5055422
(State or other jurisdiction of incorporation of organization)						(I.R.S. Employer Identification No.)

10 Woodfin Street, Asheville, North Carolina 28801

(Address of principal executive offices; Zip Code)

(828) 259-3939

(Registrant's telephone number, including area code)

None

(Former name, former address and former fiscal year, if changed since last report)

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


Title of each 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

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

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

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company” and "emerging growth company" in Rule 12b-2 of the Exchange Act.

Large accelerated filer ☐

Accelerated filer ☒

Non-accelerated filer ☐

Smaller reporting company ☐

Emerging growth company ☐


If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.			☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ☐ No ☒

There were 17,444,032 shares of common stock, par value of $0.01 per share, issued and outstanding as of November 3, 2025.

HOMETRUST BANCSHARES, INC. AND SUBSIDIARIES

FORM 10-Q

TABLE OF CONTENTS


		Page
PART I FINANCIAL INFORMATION

Item 1	Financial Statements

	Consolidated Balance Sheets at September 30, 2025 (Unaudited) and December 31, 2024	3

	Consolidated Statements of Income (Unaudited) for the Three and Nine Months Ended September 30, 2025 and 2024	4

	Consolidated Statements of Comprehensive Income (Unaudited) for the Three and Nine Months Ended September 30, 2025 and 2024	5

	Consolidated Statements of Changes in Stockholders' Equity (Unaudited) for the Three and Nine Months Ended September 30, 2025 and 2024	6

	Consolidated Statements of Cash Flows (Unaudited) for the Nine Months Ended September 30, 2025 and 2024	8

	Notes to Consolidated Financial Statements	10

Item 2	Management's Discussion and Analysis of Financial Condition and Results of Operations	34

Item 3	Quantitative and Qualitative Disclosures about Market Risk	45

Item 4	Controls and Procedures	46

PART II OTHER INFORMATION

Item 1	Legal Proceedings	46

Item 1A	Risk Factors	46

Item 2	Unregistered Sales of Equity Securities and Use of Proceeds	46

Item 3	Defaults Upon Senior Securities	46

Item 4	Mine Safety Disclosures	46

Item 5	Other Information	46

Item 6	Exhibits	46

SIGNATURES		49

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.


Term						Definition
ACL						Allowance for Credit Losses
AFS						Available-for-Sale
ASC						Accounting Standards Codification
ASU						Accounting Standards Update

BOLI						Bank Owned Life Insurance
CD						Certificate of Deposit
CDA						Collateral Dependent Asset
CECL						Current Expected Credit Losses
CET1						Common Equity Tier 1




ECL						Expected Credit Losses
EPS						Earnings Per Share
ESOP						Employee Stock Ownership Plan
FASB						Financial Accounting Standards Board
FDIC						Federal Deposit Insurance Corporation
Federal Reserve						Board of Governors of the Federal Reserve System
FHLB or FHLB of Atlanta						Federal Home Loan Bank of Atlanta
FRB						Federal Reserve Bank of Richmond
GSE						Government-Sponsored Enterprises
HELOC						Home Equity Line of Credit
IRLC						Interest Rate Lock Commitments
MBS						Mortgage-Backed Security
NCCOB						North Carolina Office of the Commissioner of Banks

PCD						Purchased Financial Assets with Credit Deterioration
Quantum						Quantum Capital Corp. and its wholly owned subsidiary, Quantum National Bank
ROA						Return on Assets
ROE						Return on Equity
ROU						Right of Use
RSU						Restricted Stock Unit
SBA						U.S. Small Business Administration
SBIC						Small Business Investment Companies
SEC						Securities and Exchange Commission
SOFR						Secured Overnight Financing Rate
TBA						To-be-announced
US GAAP						Generally Accepted Accounting Principles in the United States

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, 2025		December 31, 2024
Assets
Cash	$	15,435	$	18,778
Interest-bearing deposits	300,395		260,441
Cash and cash equivalents	315,830		279,219

Certificates of deposit in other banks	20,833		28,538
Debt securities available for sale, at fair value (amortized cost of $145,261 and $154,199 at September 30, 2025 and December 31, 2024, respectively)	145,682		152,011
FHLB and FRB stock	14,325		13,630
SBIC investments	18,346		15,117
Loans held for sale, at fair value	7,907		4,144
Loans held for sale, at the lower of cost or fair value	189,047		202,018
Loans, net of deferred loan fees and costs	3,643,619		3,648,299
Allowance for credit losses – loans	(43,086)		(45,285)
Loans, net	3,600,533		3,603,014
Premises and equipment held for sale, at the lower of cost or fair value	616		616
Premises and equipment, net	62,437		69,872
Accrued interest receivable	17,077		18,336

Deferred income taxes, net	9,789		10,735
BOLI	93,474		90,868
Goodwill	34,111		34,111
Core deposit intangibles, net	5,259		6,595
Other assets	56,871		66,606
Total assets	$	4,592,137	$	4,595,430
Liabilities and stockholders' equity
Liabilities
Deposits	$	3,698,227	$	3,779,203
Junior subordinated debt	10,195		10,120
Borrowings	230,000		188,000

Other liabilities	57,882		66,349
Total liabilities	3,996,304		4,043,672
Commitments and contingencies – See Note 13
Stockholders' equity
Preferred stock, $0.01 par value, 10,000,000 shares authorized, none issued or outstanding	—		—
Common stock, $0.01 par value, 60,000,000 shares authorized, 17,520,425 shares issued and outstanding at September 30, 2025; 17,527,709 at December 31, 2024	175		175
Additional paid in capital	176,289		176,693
Retained earnings	422,615		380,541
Unearned ESOP shares	(3,571)		(3,966)
Accumulated other comprehensive income (loss)	325		(1,685)
Total stockholders' equity	595,833		551,758
Total liabilities and stockholders' equity	$	4,592,137	$	4,595,430

The accompanying notes are an integral part of these consolidated financial statements.

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,
	2025		2024		2025		2024
Interest and dividend income
Loans	$	61,749	$	63,305	$	180,802	$	185,418

Debt securities available for sale	1,662		1,616		5,107		4,424
Other investments and interest-bearing deposits	1,984		1,728		6,762		5,576
Total interest and dividend income	65,395		66,649		192,671		195,418
Interest expense
Deposits	19,474		23,408		58,693		64,864
Junior subordinated debt	207		235		618		705
Borrowings	325		648		835		3,550
Total interest expense	20,006		24,291		60,146		69,119
Net interest income	45,389		42,358		132,525		126,299
Provision for credit losses	2,015		2,975		4,858		8,400
Net interest income after provision for credit losses	43,374		39,383		127,667		117,899
Noninterest income
Service charges and fees on deposit accounts	2,527		2,336		7,273		6,839
Loan income and fees	577		684		1,846		2,009
Gain on sale of loans held for sale	1,725		1,900		5,742		5,185
BOLI income	882		828		2,576		3,470

Operating lease income	1,777		1,637		5,032		5,087
Gain on sale of branches	—		—		1,448		—
Gain (loss) on sale of premises and equipment	—		—		28		(9)
Other	1,263		897		2,990		2,625
Total noninterest income	8,751		8,282		26,935		25,206
Noninterest expense
Salaries and employee benefits	18,508		17,082		54,415		50,666
Occupancy expense, net	2,563		2,436		7,449		7,292
Computer services	2,562		3,192		7,855		9,396
Operating lease depreciation expense	1,770		2,101		5,427		5,667
Telephone, postage and supplies	539		547		1,646		1,712
Marketing and advertising	471		408		1,365		1,659
Deposit insurance premiums	468		589		1,452		1,674

Core deposit intangible amortization	410		567		1,336		1,896


Other	3,975		3,947		12,537		11,526
Total noninterest expense	31,266		30,869		93,482		91,488
Income before income taxes	20,859		16,796		61,120		51,617
Income tax expense	4,368		3,684		12,880		11,020
Net income	$	16,491	$	13,112	$	48,240	$	40,597
Per share data
Net income per common share
Basic	$	0.96	$	0.77	$	2.81	$	2.38
Diluted	$	0.95	$	0.76	$	2.79	$	2.37

Average shares outstanding
Basic	16,998,549		16,931,793		17,005,206		16,891,619
Diluted	17,130,030		17,027,824		17,117,605		16,938,328

The accompanying notes are an integral part of these consolidated financial statements.

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,
	2025		2024		2025		2024
Net income	$	16,491	$	13,112	$	48,240	$	40,597
Other comprehensive income
Unrealized holding gains on debt securities available for sale
Gains arising during the period	780		3,143		2,609		2,080
Deferred income tax expense	(179)		(724)		(599)		(479)


Total other comprehensive income	601		2,419		2,010		1,601
Comprehensive income	$	17,092	$	15,531	$	50,250	$	42,198

The accompanying notes are an integral part of these consolidated financial statements.

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY

Consolidated Statements of Changes in Stockholders' Equity

(Dollars in thousands)


	(Unaudited)
	Three Months Ended September 30, 2025
	Common Stock			Additional Paid In Capital		Retained Earnings		Unearned ESOP Shares		Accumulated Other Comprehensive Income (Loss)		Total Stockholders' Equity
	Shares	Amount
Balance at June 30, 2025	17,492,143	$	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 stock	1,000	—		—		—		—		—		—
Stock issued for RSUs	9,996	—		—		—		—		—		—

Exercised stock options	20,200	—		515		—		—		—		515
Share-based compensation expense	—	—		593		—		—		—		593
ESOP compensation expense	—	—		397		—		132		—		529
Other comprehensive income	—	—		—		—		—		601		601
Balance at September 30, 2025	17,520,425	$	175	$	176,289	$	422,615	$	(3,571)	$	325	$	595,833

	(Unaudited)
	Three Months Ended September 30, 2024
	Common Stock			Additional Paid In Capital		Retained Earnings		Unearned ESOP Shares		Accumulated Other Comprehensive Income (Loss)		Total Stockholders' Equity
	Shares	Amount
Balance at June 30, 2024	17,437,326	$	175	$	172,907	$	357,147	$	(4,232)	$	(2,369)	$	523,628
Net income	—	—		—		13,112		—		—		13,112

Cash dividends declared on common stock, $0.11/common share	—	—		—		(1,876)		—		—		(1,876)

Forfeited restricted stock	(2,211)	—		—		—		—		—		—
Retired stock	(3,989)	—		(132)		—		—		—		(132)
Granted restricted stock	1,000	—		—		—		—		—		—
Stock issued for RSUs	10,683	—		—		—		—		—		—

Exercised stock options	72,113	—		1,865		—		—		—		1,865
Share-based compensation expense	—	—		541		—		—		—		541
ESOP compensation expense	—	—		314		—		133		—		447
Other comprehensive income	—	—		—		—		—		2,419		2,419
Balance at September 30, 2024	17,514,922	$	175	$	175,495	$	368,383	$	(4,099)	$	50	$	540,004

The accompanying notes are an integral part of these consolidated financial statements.

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY

Consolidated Statements of Changes in Stockholders' Equity

(Dollars in thousands)


	(Unaudited)
	Nine Months Ended September 30, 2025
	Common Stock			Additional Paid In Capital		Retained Earnings		Unearned ESOP Shares		Accumulated Other Comprehensive Income (Loss)		Total Stockholders' Equity
	Shares	Amount
Balance at December 31, 2024	17,527,709	$	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	(93,212)	(1)		(3,333)		—		—		—		(3,334)
Forfeited restricted stock	(3,621)	—		—		—		—		—		—
Retired stock	(14,676)	—		(558)		—		—		—		(558)
Granted restricted stock	60,329	—		—		—		—		—		—
Stock issued for RSUs	9,996	—		—		—		—		—		—

Exercised stock options	33,900	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, 2025	17,520,425	$	175	$	176,289	$	422,615	$	(3,571)	$	325	$	595,833

	(Unaudited)
	Nine Months Ended September 30, 2024
	Common Stock			Additional Paid In Capital		Retained Earnings		Unearned ESOP Shares		Accumulated Other Comprehensive Income (Loss)		Total Stockholders' Equity
	Shares	Amount
Balance at December 31, 2023	17,387,069	$	174	$	172,366	$	333,401	$	(4,497)	$	(1,551)	$	499,893
Net income	—	—		—		40,597		—		—		40,597

Cash dividends declared on common stock, $0.33/common share	—	—		—		(5,615)		—		—		(5,615)
Common stock repurchased	(23,483)	—		(645)		—		—		—		(645)
Forfeited restricted stock	(2,211)	—		—		—		—		—		—
Retired stock	(12,751)	—		(365)		—		—		—		(365)
Granted restricted stock	73,502	—		—		—		—		—		—
Stock issued for RSUs	10,683	—		—		—		—		—		—

Exercised stock options	82,113	1		2,023		—		—		—		2,024
Share-based compensation expense	—	—		1,363		—		—		—		1,363
ESOP compensation expense	—	—		753		—		398		—		1,151
Other comprehensive income	—	—		—		—		—		1,601		1,601
Balance at September 30, 2024	17,514,922	$	175	$	175,495	$	368,383	$	(4,099)	$	50	$	540,004

The accompanying notes are an integral part of these consolidated financial statements.

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY

Consolidated Statements of Cash Flows

(Dollars in thousands)


	(Unaudited)
	Nine Months Ended September 30,
	2025		2024
Operating activities
Net income	$	48,240	$	40,597
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	4,858		8,400
Depreciation and amortization of premises and equipment and equipment for operating leases	8,437		8,558
Deferred income tax expense	346		1,217
Net accretion of purchase accounting adjustments on loans	(1,694)		(2,033)
Net amortization and accretion	2,920		5,037
SBIC investments income	(2,254)		(895)

Gain on sale of branches	(1,448)		—
(Gain) loss on sale of premises and equipment	(28)		9

Loss on repossessed assets	331		—
Loss on previously leased equipment	1,525		1,308
BOLI income	(2,576)		(3,470)
Gain on sale of loans held for sale	(5,742)		(5,185)
Origination of loans held for sale	(352,105)		(201,485)
Proceeds from sales of loans held for sale	353,638		198,199
New deferred loan origination fees (costs), net	76		(1,931)
Decrease (increase) in accrued interest receivable and other assets	3,428		(8,241)
Share-based compensation expense	1,579		1,363
ESOP compensation expense	1,458		1,151
Decrease in accrued interest payable and other liabilities	(9,385)		(1,932)
Net cash provided by operating activities	51,604		40,667
Investing activities
Purchase of debt securities available for sale	(11,683)		(33,258)
Proceeds from maturities, calls and paydowns of debt securities available for sale	21,550		22,598


Purchases of CDs in other banks	(1,742)		(3,925)
Proceeds from maturities of CDs in other banks	9,447		9,357
Net (purchases) redemption of FHLB and FRB stock	(695)		9
Net capital contributions in SBIC investments	(975)		(805)

Net decrease (increase) in loans	11,216		(50,301)
Purchase of BOLI	(30)		(28)
Proceeds from redemption of BOLI policies	2,174		44,334
Death benefit proceeds from BOLI policies	—		2,363
Purchase of equipment for operating leases - lessor	(2,550)		(13,703)
Proceeds from sale of equipment for operating leases - lessor	1,410		8,657
Purchase of premises and equipment	(3,123)		(1,492)
Proceeds from sale of premises and equipment and assets held for sale	7,652		—

Proceeds from sale of repossessed assets	544		—


Net cash provided by (used in) investing activities	33,195		(16,194)

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY

Consolidated Statements of Cash Flows (continued)

(Dollars in thousands)


	(Unaudited)
	Nine Months Ended September 30,
	2025		2024














































Financing activities
Deposits assumed by third parties through branch sales	(34,252)		—
Net increase (decrease) in deposits	(46,724)		100,215
Net decrease in revolving line of credit	—		(12,750)
Net increase (decrease) in short-term borrowings	42,000		(161,000)


Common stock repurchased	(3,334)		(645)
Cash dividends paid	(6,166)		(5,615)
Retired stock	(558)		(365)
Exercised stock options	846		2,024
Net cash used in financing activities	(48,188)		(78,136)
Net increase (decrease) in cash and cash equivalents	36,611		(53,663)
Cash and cash equivalents at beginning of period	279,219		347,140
Cash and cash equivalents at end of period	$	315,830	$	293,477





Supplemental disclosures
Cash paid during the period for
Interest	$	65,309	$	66,001
Income taxes	14,593		13,664
Noncash transactions
Unrealized gain in value of debt securities available for sale, net of income taxes	$	2,010	$	1,601
Transfers of loans held for sale to loans held for investment	15,026		17,040




Transfers of loans held for investment to repossessed assets	293		872
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.

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

1. Summary of Significant Accounting Policies

The consolidated unaudited financial statements presented in this report include the accounts of HomeTrust Bancshares, Inc., a Maryland corporation (“HomeTrust”), and its wholly-owned subsidiary, HomeTrust Bank (the “Bank”). As used throughout this report, the term the “Company” refers to HomeTrust and its consolidated subsidiary, unless the context otherwise requires. HomeTrust is a bank holding company primarily engaged in the business of planning, directing and coordinating the business activities of the Bank. The Bank is a North Carolina state chartered bank and provides a wide range of retail and commercial banking products within its geographic footprint, which includes: North Carolina (the Asheville metropolitan area, the "Piedmont" region, Charlotte and Raleigh/Cary), South Carolina (Greenville and Charleston), East Tennessee (Kingsport/Johnson City and Morristown), Southwest Virginia (the Roanoke Valley) and Georgia (Greater Atlanta). The Company operates under a single set of corporate policies and procedures and its operations are considered to be aggregated in one reportable operating segment for financial reporting purposes.

As a result of its merger with Quantum on February 12, 2023, HomeTrust became the 100% successor owner of the Quantum Capital Statutory Trust II Delaware trust. The sole assets of the trust represent the proceeds of offerings loaned in exchange for subordinated debentures with similar terms to the trust preferred securities.

The accompanying unaudited consolidated financial statements have been prepared in accordance with US GAAP for interim financial information and in accordance with the instructions to Form 10-Q and Article 10 of Regulation S-X as promulgated by the SEC. Accordingly, they do not include all the information and footnotes required by US GAAP for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation of the financial position and results of operations for the periods presented have been included. It is recommended that these unaudited interim consolidated financial statements be read in conjunction with the audited consolidated financial statements and notes thereto included in the Company's Annual Report on Form 10-K for the year ended December 31, 2024 ("2024 Form 10-K") filed with the SEC on March 13, 2025. The results of operations for the nine months ended September 30, 2025 are not necessarily indicative of results that may be expected for the fiscal year ending December 31, 2025, the period which will be covered on a Report on Form 10-K.

The preparation of financial statements in conformity with US GAAP requires management to make estimates and assumptions that affect amounts reported in the financial statements. Various elements of the Company's accounting policies, by their nature, are inherently subject to estimation techniques, valuation assumptions and other subjective assessments. In particular, management has identified the determination of the provision and the ACL on loans as an accounting policy that, due to the judgments, estimates and assumptions inherent in the policy, is critical to an understanding of the Company's financial statements. This policy and the related judgments, estimates and assumptions are described in greater detail in the notes to the Consolidated Financial Statements and Management's Discussion and Analysis of Financial Condition and Results of Operations (Critical Accounting Policies and Estimates) in the 2024 Form 10-K. Management believes that the judgments, estimates and assumptions used in the preparation of the financial statements are appropriate based on the factual circumstances at the time. However, given the sensitivity of the financial statements to this critical accounting policy, the use of other judgments, estimates and assumptions could result in material differences in the Company's results of operations or financial condition. Further, subsequent changes in economic or market conditions could have a material impact on these estimates and the Company's financial condition and operating results in future periods.

Reclassifications and corrections. To maintain consistency and comparability, certain amounts from prior periods have been reclassified to conform to current period presentation with no effect on net income or stockholders’ equity as previously reported.

2. Recent Accounting Pronouncements

Newly Issued but Not Yet Effective Accounting Standards

ASU 2023-09, "Income Taxes (Topic 740): Improvements to Income Tax Disclosures." In December 2023, the FASB issued ASU 2023-09 which requires entities to disclose more detailed information in the reconciliation of their statutory tax rate to their effective tax rate. The ASU also requires entities to disclose more detailed information about income taxes paid, including by jurisdiction. This ASU is effective for public business entities for annual reporting periods beginning after December 15, 2024. The Company will update its income tax disclosures upon adoption of the ASU.

ASU 2024-03, "Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses." In November 2024, the FASB issued ASU 2024-03 which requires entities to disclose more detailed information about certain costs and expenses related to purchases of inventory, employee compensation, depreciation and intangible asset amortization among other items. This ASU is effective for public business entities for annual reporting periods beginning after December 15, 2026 and interim periods beginning after December 15, 2027. The adoption of the provisions of ASU 2024-03 is not expected to have an impact on the Company's financial results, but will impact disclosures.

3. Branch Sales

On May 23, 2025, the Company completed the sale of the Bank's two branches located in Knoxville, Tennessee, to a third party financial institution. Through the transaction, the Company sold $34.3 million of deposits along with $6.3 million in branch premises and equipment, while HomeTrust retained all loans associated with the branches. The Company recorded a $1.4 million pre-tax gain associated with the transaction.

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

4. Debt Securities

Debt securities available for sale consist of the following at the dates indicated:


	September 30, 2025
	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Estimated Fair Value

MBS, residential	$	138,349	$	1,867	$	(971)	$	139,245
Municipal bonds	1,912		—		(24)		1,888
Corporate bonds	5,000		—		(451)		4,549

Total	$	145,261	$	1,867	$	(1,446)	$	145,682


	December 31, 2024
	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Estimated Fair Value

MBS, residential	$	145,748	$	887	$	(2,488)	$	144,147
Municipal bonds	3,451		—		(55)		3,396
Corporate bonds	5,000		—		(532)		4,468

Total	$	154,199	$	887	$	(3,075)	$	152,011

Debt securities available for sale by contractual maturity at September 30, 2025 and December 31, 2024 are shown below. MBS are not included in the maturity categories because the borrowers in the underlying pools may prepay without penalty; therefore, it is unlikely that the securities will pay at their stated maturity schedule.



	September 30, 2025
	Amortized Cost		Estimated Fair Value
Due within one year	$	411	$	409
Due after one year through five years	1,501		1,479
Due after five years through ten years	5,000		4,549
Due after ten years	—		—
MBS, residential	138,349		139,245
Total	$	145,261	$	145,682



	December 31, 2024
	Amortized Cost		Estimated Fair Value
Due within one year	$	1,522	$	1,520
Due after one year through five years	1,929		1,876
Due after five years through ten years	5,000		4,468
Due after ten years	—		—
MBS, residential	145,748		144,147
Total	$	154,199	$	152,011

The Company had no sales of debt securities available for sale and no gross realized gains or losses were recognized during the nine months ended September 30, 2025 or 2024.

Debt securities available for sale with amortized costs totaling $50,448 and $24,718 and market values of $51,591 and $24,358 at September 30, 2025 and December 31, 2024, respectively, were pledged as collateral to secure various public deposits and other borrowings.

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

The gross unrealized losses and the fair value for debt securities available for sale aggregated by the length of time that individual securities have been in a continuous unrealized loss position as of September 30, 2025 and December 31, 2024 were as follows:


	September 30, 2025
	Less than 12 Months				12 Months or More				Total
	Fair Value		Unrealized Losses		Fair Value		Unrealized Losses		Fair Value		Unrealized Losses

MBS, residential	$	6,379	$	(24)	$	36,850	$	(947)	$	43,229	$	(971)
Municipal bonds	—		—		1,388		(24)		1,388		(24)
Corporate bonds	—		—		3,799		(451)		3,799		(451)
Total	$	6,379	$	(24)	$	42,037	$	(1,422)	$	48,416	$	(1,446)


	December 31, 2024
	Less than 12 Months				12 Months or More				Total
	Fair Value		Unrealized Losses		Fair Value		Unrealized Losses		Fair Value		Unrealized Losses

MBS, residential	$	30,995	$	(515)	$	61,515	$	(1,973)	$	92,510	$	(2,488)
Municipal bonds	—		—		3,396		(55)		3,396		(55)
Corporate bonds	—		—		3,718		(532)		3,718		(532)
Total	$	30,995	$	(515)	$	68,629	$	(2,560)	$	99,624	$	(3,075)

The total number of securities with unrealized losses at September 30, 2025 and December 31, 2024 were 124 and 168, respectively.

Management evaluates securities for impairment where there has been a decline in fair value below the amortized cost basis of a security to determine whether there is a credit loss associated with the decline in fair value on at least a quarterly basis, and more frequently when economic or market concerns warrant such evaluation. All debt securities available for sale in an unrealized loss position as of September 30, 2025 continue to perform as scheduled and management does not believe that there is a credit loss or that a provision for credit losses is necessary. Also, as part of management's evaluation of its intent and ability to hold investments for a period of time sufficient to allow for any anticipated recovery in the market, management considers its investment strategy, cash flow needs, liquidity position, capital adequacy and interest rate risk position. Management does not currently intend to sell the securities within the portfolio and it is not more-likely-than-not that securities will be required to be sold. See "Note 1 – Summary of Significant Accounting Policies" in our 2024 Form 10-K for further discussion.

Management continues to monitor all of its securities with a high degree of scrutiny. There can be no assurance that management will not conclude in future periods that conditions existing at that time indicate some or all of its securities may be sold or would require a charge to earnings as a provision for credit losses in such periods.

Management excludes the accrued interest receivable balance from the amortized cost basis in measuring ECLs on investment securities and does not record an ACL on accrued interest receivable. As of September 30, 2025 and December 31, 2024, the accrued interest receivable for debt securities available for sale was $515 and $606, respectively.

5. Loans Held For Sale

Loans held for sale, at the lower of cost or fair value, consist of the following as of the dates indicated:


	September 30, 2025		December 31, 2024
One-to-four family	$	—	$	408
SBA	36,206		22,867
HELOCs	152,841		178,743

Total loans held for sale, at the lower of cost or fair value	$	189,047	$	202,018

The carrying balance of loans held for sale, at fair value, was $7,907 and $4,144 at September 30, 2025 and December 31, 2024, respectively, while the amortized cost of these loans was $7,691 and $4,062, respectively, at the same dates.

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

6. Loans and Allowance for Credit Losses on Loans

Loans consist of the following at the dates indicated(1):


	September 30, 2025		December 31, 2024
Commercial real estate
Construction and land development	$	268,953	$	274,356
Commercial real estate – owner occupied	540,807		545,490
Commercial real estate – non-owner occupied	861,244		866,094
Multifamily	115,403		120,425
Total commercial real estate	1,786,407		1,806,365
Commercial
Commercial and industrial	399,155		316,159
Equipment finance	340,322		406,400
Municipal leases	164,967		165,984

Total commercial	904,444		888,543
Residential real estate
Construction and land development	51,110		53,683
One-to-four family	636,857		630,391
HELOCs	216,122		195,288
Total residential real estate	904,089		879,362
Consumer	48,679		74,029
Total loans, net of deferred loan fees and costs	3,643,619		3,648,299
Allowance for credit losses - loans	(43,086)		(45,285)
Loans, net	$	3,600,533	$	3,603,014

(1) At September 30, 2025 and December 31, 2024 accrued interest receivable of $16,284 and $17,569, respectively, was accounted for separately from the amortized cost basis.

All qualifying one-to-four family loans, HELOCs, multifamily, commercial real estate loans and FHLB of Atlanta stock are pledged as collateral by a blanket pledge to secure outstanding FHLB advances.

Loans are made to the Company's executive officers, directors and their associates during the ordinary course of business. No balance was outstanding on loans to these related parties as of either September 30, 2025 or December 31, 2024. In relation to these loans, unfunded commitments totaled approximately $3 at both September 30, 2025 and December 31, 2024, respectively.

Loans are monitored for credit quality on a recurring basis and the composition of the loans outstanding by credit quality indicator is provided below. Loan credit quality indicators are developed through review of individual borrowers on an ongoing basis. Generally, loans are monitored for performance on a quarterly basis with the credit quality indicators adjusted as needed. The indicators represent the rating for loans as of the date presented based on the most recent assessment performed. These credit quality indicators are defined as follows:

Pass – A pass rated loan is not adversely classified because it does not display any of the characteristics for adverse classification.

Special Mention – A special mention loan has potential weaknesses that deserve management’s close attention. If left uncorrected, such potential weaknesses may result in deterioration of the repayment prospects or collateral position at some future date. Special mention loans are not adversely classified and do not warrant adverse classification.

Substandard – A substandard loan is inadequately protected by the current net worth and paying capacity of the obligor, or of the collateral pledged, if any. Loans classified as substandard generally have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt. These loans are characterized by the distinct possibility of loss if the deficiencies are not corrected.

Doubtful – A loan classified as doubtful has all the weaknesses inherent in a loan classified substandard with the added characteristic that the weaknesses make collection or liquidation in full highly questionable and improbable, on the basis of currently existing facts, conditions and values.

Loss – Loans classified as loss are considered uncollectible and of such little value that their continuing to be carried as a loan is not warranted. This classification is not necessarily equivalent to no potential for recovery or salvage value, but rather that it is not appropriate to defer a full write-off even though partial recovery may be effected in the future.

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, 2025. Also included in the table detailing loan balances are gross charge-offs for the nine months ended September 30, 2025.


	Term Loans By Origination Fiscal Year
September 30, 2025	2025		2024		2023-S(1)		2023		2022		Prior		Revolving		Total
Construction and land development
Risk rating
Pass	$	99,494	$	94,481	$	30,833	$	9,994	$	18,158	$	11,806	$	4,187	$	268,953
Special mention	—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		—
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total construction and land development	$	99,494	$	94,481	$	30,833	$	9,994	$	18,158	$	11,806	$	4,187	$	268,953

Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Commercial real estate – owner occupied
Risk rating
Pass	$	48,609	$	52,402	$	37,856	$	62,017	$	89,362	$	231,555	$	4,208	$	526,009
Special mention	—		—		—		170		378		2,459		—		3,007
Substandard	—		264		423		162		4,952		5,325		—		11,126
Doubtful	—		—		—		410		243		12		—		665
Loss	—		—		—		—		—		—		—		—
Total commercial real estate – owner occupied	$	48,609	$	52,666	$	38,279	$	62,759	$	94,935	$	239,351	$	4,208	$	540,807

Current period gross charge-offs	$	—	$	—	$	—	$	—	$	90	$	—	$	—	$	90

Commercial real estate – non-owner occupied
Risk rating
Pass	$	44,585	$	75,893	$	12,774	$	92,566	$	145,726	$	459,021	$	9,081	$	839,646
Special mention	—		—		—		755		—		9,168		—		9,923
Substandard	—		—		—		2,591		—		9,084		—		11,675
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total commercial real estate – non-owner occupied	$	44,585	$	75,893	$	12,774	$	95,912	$	145,726	$	477,273	$	9,081	$	861,244

Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Multifamily
Risk rating
Pass	$	9,107	$	15,113	$	5,480	$	5,559	$	11,238	$	68,443	$	14	$	114,954
Special mention	—		—		—		—		—		280		—		280
Substandard	—		—		—		—		—		169		—		169
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total multifamily	$	9,107	$	15,113	$	5,480	$	5,559	$	11,238	$	68,892	$	14	$	115,403

Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Total commercial real estate
Risk rating
Pass	$	201,795	$	237,889	$	86,943	$	170,136	$	264,484	$	770,825	$	17,490	$	1,749,562
Special mention	—		—		—		925		378		11,907		—		13,210
Substandard	—		264		423		2,753		4,952		14,578		—		22,970
Doubtful	—		—		—		410		243		12		—		665
Loss	—		—		—		—		—		—		—		—
Total commercial real estate	$	201,795	$	238,153	$	87,366	$	174,224	$	270,057	$	797,322	$	17,490	$	1,786,407

Total current period gross charge-offs	$	—	$	—	$	—	$	—	$	90	$	—	$	—	$	90

(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.

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, 2025	2025		2024		2023-S(1)		2023		2022		Prior		Revolving		Total
Commercial and industrial
Risk rating
Pass	$	71,968	$	74,420	$	36,328	$	31,220	$	25,758	$	22,496	$	122,565	$	384,755
Special mention	65		47		—		558		380		2,715		2,808		6,573
Substandard	—		1,495		—		252		1,946		3,163		124		6,980
Doubtful	—		—		—		121		477		226		23		847
Loss	—		—		—		—		—		—		—		—
Total commercial and industrial	$	72,033	$	75,962	$	36,328	$	32,151	$	28,561	$	28,600	$	125,520	$	399,155

Current period gross charge-offs	$	—	$	50	$	338	$	241	$	930	$	3	$	—	$	1,562

Equipment finance
Risk rating
Pass	$	50,216	$	88,985	$	49,500	$	85,260	$	38,047	$	17,916	$	—	$	329,924
Special mention	—		6		298		807		261		253		—		1,625
Substandard	—		755		226		2,924		902		438		—		5,245
Doubtful	—		58		428		1,345		1,351		346		—		3,528
Loss	—		—		—		—		—		—		—		—
Total equipment finance	$	50,216	$	89,804	$	50,452	$	90,336	$	40,561	$	18,953	$	—	$	340,322

Current period gross charge-offs	$	—	$	167	$	293	$	1,370	$	2,388	$	448	$	—	$	4,666

Municipal leases
Risk rating
Pass	$	12,681	$	30,883	$	16,145	$	21,481	$	19,561	$	64,216	$	—	$	164,967
Special mention	—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		—
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total municipal leases	$	12,681	$	30,883	$	16,145	$	21,481	$	19,561	$	64,216	$	—	$	164,967

Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Total commercial
Risk rating
Pass	$	134,865	$	194,288	$	101,973	$	137,961	$	83,366	$	104,628	$	122,565	$	879,646
Special mention	65		53		298		1,365		641		2,968		2,808		8,198
Substandard	—		2,250		226		3,176		2,848		3,601		124		12,225
Doubtful	—		58		428		1,466		1,828		572		23		4,375
Loss	—		—		—		—		—		—		—		—
Total commercial	$	134,930	$	196,649	$	102,925	$	143,968	$	88,683	$	111,769	$	125,520	$	904,444

Total current period gross charge-offs	$	—	$	217	$	631	$	1,611	$	3,318	$	451	$	—	$	6,228

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, 2025	2025		2024		2023-S(1)		2023		2022		Prior		Revolving		Total
Construction and land development
Risk rating
Pass	$	15,421	$	14,079	$	2,536	$	11,433	$	4,919	$	2,312	$	—	$	50,700
Special mention	—		—		—		—		—		—		—		—
Substandard	—		—		410		—		—		—		—		410
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total construction and land development	$	15,421	$	14,079	$	2,946	$	11,433	$	4,919	$	2,312	$	—	$	51,110

Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	133	$	—	$	133

One-to-four family
Risk rating
Pass	$	35,855	$	39,143	$	23,057	$	156,288	$	141,549	$	222,315	$	10,131	$	628,338
Special mention	—		—		—		—		1,532		304		—		1,836
Substandard	—		663		841		583		654		3,930		—		6,671
Doubtful	—		—		—		—		—		12		—		12
Loss	—		—		—		—		—		—		—		—
Total one-to-four family	$	35,855	$	39,806	$	23,898	$	156,871	$	143,735	$	226,561	$	10,131	$	636,857

Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	50	$	—	$	50

HELOCs
Risk rating
Pass	$	—	$	—	$	—	$	—	$	—	$	—	$	208,626	$	208,626
Special mention	—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		7,496		7,496
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total HELOCs	$	—	$	—	$	—	$	—	$	—	$	—	$	216,122	$	216,122

Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	6	$	6

Total residential real estate
Risk rating
Pass	$	51,276	$	53,222	$	25,593	$	167,721	$	146,468	$	224,627	$	218,757	$	887,664
Special mention	—		—		—		—		1,532		304		—		1,836
Substandard	—		663		1,251		583		654		3,930		7,496		14,577
Doubtful	—		—		—		—		—		12		—		12
Loss	—		—		—		—		—		—		—		—
Total residential real estate	$	51,276	$	53,885	$	26,844	$	168,304	$	148,654	$	228,873	$	226,253	$	904,089

Total current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	183	$	6	$	189


	Term Loans By Origination Fiscal Year
September 30, 2025	2025		2024		2023-S(1)		2023		2022		Prior		Revolving		Total
Total consumer
Risk rating
Pass	$	1,348	$	3,047	$	12,496	$	21,553	$	5,339	$	3,428	$	231	$	47,442
Special mention	—		—		—		—		—		—		—		—
Substandard	14		25		143		677		123		234		21		1,237
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total consumer	$	1,362	$	3,072	$	12,639	$	22,230	$	5,462	$	3,662	$	252	$	48,679

Total current period gross charge-offs	$	1	$	38	$	109	$	235	$	60	$	76	$	—	$	519

HOMETRUST BANCSHARES, INC. AND SUBSIDIARY

Notes to Consolidated Financial Statements

(Dollars in thousands, except per share data)

The following table presents the credit risk profile by risk grade for commercial real estate, commercial, residential real estate and consumer loans by origination year as of December 31, 2024. Also included in the table detailing loan balances are gross charge-offs for the year ended December 31, 2024.


	Term Loans By Origination Fiscal Year
December 31, 2024	2024		2023-S(1)		2023		2022		2021		Prior		Revolving		Total
Construction and land development
Risk rating
Pass	$	121,992	$	42,548	$	47,045	$	43,534	$	9,705	$	6,501	$	3,031	$	274,356
Special mention	—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		—
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total construction and land development	$	121,992	$	42,548	$	47,045	$	43,534	$	9,705	$	6,501	$	3,031	$	274,356

Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Commercial real estate – owner occupied
Risk rating
Pass	$	54,032	$	35,808	$	64,558	$	100,827	$	78,902	$	193,446	$	5,131	$	532,704
Special mention	—		—		168		136		439		2,203		—		2,946
Substandard	—		273		683		1,337		465		6,531		—		9,289
Doubtful	—		—		—		526		—		25		—		551
Loss	—		—		—		—		—		—		—		—
Total commercial real estate – owner occupied	$	54,032	$	36,081	$	65,409	$	102,826	$	79,806	$	202,205	$	5,131	$	545,490

Current period gross charge-offs	$	—	$	—	$	77	$	72	$	—	$	208	$	—	$	357

Commercial real estate – non-owner occupied
Risk rating
Pass	$	71,321	$	13,255	$	97,479	$	142,325	$	173,674	$	323,707	$	9,482	$	831,243
Special mention	—		—		3,665		3,813		—		14,897		—		22,375
Substandard	—		—		2,591		—		—		9,885		—		12,476
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total commercial real estate – non-owner occupied	$	71,321	$	13,255	$	103,735	$	146,138	$	173,674	$	348,489	$	9,482	$	866,094

Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Multifamily
Risk rating
Pass	$	15,098	$	5,501	$	6,560	$	19,010	$	48,866	$	25,071	$	—	$	120,106
Special mention	—		—		—		—		—		87		—		87
Substandard	—		—		—		—		—		232		—		232
Doubtful	—		—		—		—		—		—		—		—
Loss	—		—		—		—		—		—		—		—
Total multifamily	$	15,098	$	5,501	$	6,560	$	19,010	$	48,866	$	25,390	$	—	$	120,425

Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	10	$	—	$	10

Total commercial real estate
Risk rating
Pass	$	262,443	$	97,112	$	215,642	$	305,696	$	311,147	$	548,725	$	17,644	$	1,758,409
Special mention	—		—		3,833		3,949		439		17,187		—		25,408
Substandard	—		273		3,274		1,337		465		16,648		—		21,997
Doubtful	—		—		—		526		—		25		—		551
Loss	—		—		—		—		—		—		—		—
Total commercial real estate	$	262,443	$	97,385	$	222,749	$	311,508	$	312,051	$	582,585	$	17,644	$	1,806,365

Total current period gross charge-offs	$

HomeTrust Bancshares, Inc. 10-Q