HomeTrust Bancshares, Inc. is a bank holding company and financial holding company regulated by the Federal Reserve, formed to hold the stock of HomeTrust Bank. HomeTrust Bank operates as a North Carolina state chartered bank and member of the Federal Reserve System, with its primary regulators being the North Carolina Commissioner of Banks and the Federal Reserve. The Bank attracts deposits from the general public and invests those funds, together with borrowed funds, in commercial real estate loans, construction and development loans, commercial and industrial loans, equipment finance leases, municipal leases, residential mortgages, home equity loans, consumer loans, SBA loans and HELOCs. As of December 31, 2025, the Company reported consolidated total assets of $4,500,000,000, total deposits of $3,700,000,000 and stockholders’ equity of $600,700,000. The Bank maintains over 30 branches across Georgia, North Carolina, South Carolina, Tennessee and Virginia, many situated in markets experiencing growth above the national average. HomeTrust Bancshares does not engage in significant activities beyond holding the Bank’s stock, so its financial results reflect primarily the Bank’s operations.

The Company generates revenue primarily through interest earned on the Bank’s loan portfolio, which includes commercial real estate loans, construction and development loans, commercial and industrial loans, equipment finance leases, municipal leases, residential mortgages, home equity loans, consumer loans, SBA loans and HELOCs. Interest income is complemented by fees on deposit accounts, cash management services, wire transfers, and merchant processing. The Bank also earns revenue from the sale of loans, gains on investment securities, and service charges related to online and mobile banking platforms. Deposit products consist of checking accounts, savings accounts, money market accounts, certificates of deposit and individual retirement accounts, serving individuals, businesses and nonprofit organizations. The Bank’s geographic footprint covers five states, with a particular focus on small to medium sized communities while expanding into larger higher growth markets through business banking centers.

HomeTrust Bancshares competes against other commercial banks, savings institutions, credit unions, life insurance companies, mortgage bankers and financial technology firms operating in its five state footprint. The Company distinguishes itself by emphasizing high quality personal service, strong customer satisfaction and a community focused culture built around its 33 culture fundamentals. These fundamentals guide employee behavior and decision making, reinforcing a brand promise of putting the customer experience first. HomeTrust Bancshares also leverages a competitive suite of cash management tools, online and mobile banking platforms and experienced local lending teams to attract and retain small and medium sized commercial customers. Recognition as a best place to work in multiple states and inclusion in industry rankings such as Bank Director’s Best U. S. Banks, Forbes’ America’s Best Banks and S&P Global’s Top 50 Community Banks further underscores its market position.

The Bank serves individual consumers, small and medium sized businesses, nonprofit organizations and municipal entities across its branch network. Its customer base includes retail depositors seeking traditional banking products, commercial borrowers looking for real estate and business financing, and public sector clients requiring municipal leases and treasury services. The Bank’s diversified customer mix supports stable deposit growth and loan demand across its five state footprint.