Form 8-K

8-K — HomeTrust Bancshares, Inc.

Accession: 0001538263-26-000042

Filed: 2026-04-23

Period: 2026-04-23

CIK: 0001538263

SIC: 6035 (SAVINGS INSTITUTION, FEDERALLY CHARTERED)

Item: Results of Operations and Financial Condition

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — htbi-20260423.htm (Primary)

EX-99.1 (htb-2026x03x31x8kxex99x1.htm)

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8-K

8-K (Primary)

Filename: htbi-20260423.htm · Sequence: 1

htbi-20260423

0001538263FALSE00015382632026-04-232026-04-23

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): April 23, 2026

HOMETRUST BANCSHARES, INC.

(Exact name of registrant as specified in its charter)

Maryland 001-35593 45-5055422

(State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.)

10 Woodfin Street, Asheville, North Carolina

28801

(Address of principal executive offices) (Zip Code)

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

Not Applicable

(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:

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 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).

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. ☐

Item 2.02 Results of Operations and Financial Condition

On April 23, 2026, HomeTrust Bancshares, Inc., (the "Company") the holding company for HomeTrust Bank, issued a press release reporting financial results for the first quarter of the year ending December 31, 2026 and the declaration and approval of its quarterly cash dividend. A copy of the press release, including unaudited financial information released as a part thereof, is attached as Exhibit 99.1 to this Current Report on Form 8-K and incorporated herein by reference.

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 the Company. The investor presentation is also available on the Company’s website at ir.htb.com. The presentation is furnished as Exhibit 99.2 to this Current Report on Form 8-K and is incorporated herein by reference.

Item 9.01 Financial Statements and Exhibits

(d) Exhibits

99.1

Press release dated April 23, 2026

99.2

March 31, 2026 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: April 23, 2026 By: /s/ Tony J. VunCannon

Tony J. VunCannon

Executive Vice President, Chief Financial Officer, Corporate Secretary and Treasurer

EX-99.1

Filename: htb-2026x03x31x8kxex99x1.htm · Sequence: 2

Document

HomeTrust Bancshares, Inc. Announces Financial Results for the First Quarter of the Year Ending

December 31, 2026 and an Increase in the Quarterly Dividend

ASHEVILLE, N.C., April 23, 2026 – HomeTrust Bancshares, Inc. (NYSE: HTB) ("Company"), the holding company of HomeTrust Bank ("Bank"), today announced preliminary net income for the first quarter of the year ending December 31, 2026 and an increase in its quarterly cash dividend.

For the quarter ended March 31, 2026 compared to the quarter ended December 31, 2025:

•net income was $16.8 million compared to $16.1 million;

•diluted earnings per share ("EPS") were $0.99 compared to $0.93;

•annualized return on assets ("ROA") was 1.55% compared to 1.44%;

•annualized return on equity ("ROE") was 11.35% compared to 10.63%;

•net interest margin was 4.31% compared to 4.20%;

•provision for credit losses was $370,000 compared to $2.1 million;

•quarterly cash dividends continued at $0.13 per share totaling $2.2 million for both periods; and

•533,240 shares of Company common stock were repurchased during the current quarter at an average price of $42.85 compared to 241,201 shares repurchased at an average price of $42.19 in the prior quarter.

The Company also announced today that its Board of Directors declared a quarterly cash dividend of $0.15 per common share, reflecting a $0.02, or 15.4%, increase over the previous quarter's dividend. This is the eighth increase of the quarterly dividend since the Company initiated cash dividends in November 2018. The dividend is payable on May 28, 2026 to shareholders of record as of the close of business on May 14, 2026.

“During the first quarter, we accelerated our pace of stock buybacks as part of our ongoing and prudent capital allocation strategy,” said Hunter Westbrook, President and Chief Executive Officer. “We also announced today an increase in our quarterly dividend, further demonstrating our confidence in the Company’s strength and future financial performance. Looking ahead, we remain poised to accelerate loan growth in the second half of 2026.

“Our strong 2025 financial results carried into the first quarter of 2026, highlighted by our top quartile net interest margin which expanded to 4.31%, as deposit mix changes and reductions in funding costs outpaced a slight decline in asset yields.

“Lastly, earlier this month we announced our partnership with the Asheville Tourists Baseball Team, the High-A affiliate of the Houston Astros, where their newly renovated ballpark has been renamed HomeTrust Park. This initiative reflects our continued commitment to supporting the people and communities we are proud to serve.”

WEBSITE: WWW.HTB.COM

Contact:

C. Hunter Westbrook – President and Chief Executive Officer

Tony J. VunCannon – Executive Vice President, Chief Financial Officer, Corporate Secretary and Treasurer

828-259-3939

Comparison of Results of Operations for the Three Months Ended March 31, 2026 and December 31, 2025

Net Income. Net income totaled $16.8 million, or $0.99 per diluted share, for the three months ended March 31, 2026 compared to $16.1 million, or $0.93 per diluted share, for the three months ended December 31, 2025, an increase of $648,000, or 4.0%. The results for the three months ended March 31, 2026 compared to the three months ended December 31, 2025 benefited from a $1.7 million decrease in the provision for credit losses and a $635,000 increase in noninterest income, partially offset by a $1.3 million increase in the noninterest expense. Details of the changes in the various components of net income are further discussed below.

Net Interest Income. The following table presents the distribution of average assets, liabilities and equity, as well as interest income earned on average interest-earning assets and interest expense paid on average interest-bearing liabilities. All average balances are daily average balances. Nonaccruing loans have been included in the table as loans carrying a zero yield.

Three Months Ended

March 31, 2026 December 31, 2025

(Dollars in thousands) Average

Balance

Outstanding Interest

Earned /

Paid Yield /

Rate Average

Balance

Outstanding Interest

Earned /

Paid Yield /

Rate

Assets

Interest-earning assets

Loans receivable(1)

$ 3,793,994 $ 57,725 6.17 % $ 3,809,902 $ 59,597 6.21 %

Debt securities available for sale 144,520 1,604 4.50 147,247 1,599 4.31

Other interest-earning assets(2)

227,051 2,168 3.87 223,267 2,271 4.04

Total interest-earning assets 4,165,565 61,497 5.99 4,180,416 63,467 6.02

Other assets 218,936 255,547

Total assets $ 4,384,501 $ 4,435,963

Liabilities and equity

Interest-bearing liabilities

Interest-bearing checking accounts $ 561,216 $ 1,101 0.80 % $ 540,889 $ 1,013 0.74 %

Money market accounts 1,369,569 8,616 2.55 1,361,620 9,192 2.68

Savings accounts 170,227 28 0.07 171,803 30 0.07

Certificate accounts 830,675 7,105 3.47 926,678 8,674 3.71

Total interest-bearing deposits 2,931,687 16,850 2.33 3,000,990 18,909 2.50

Junior subordinated debt 10,231 188 7.45 10,204 199 7.74

Borrowings 16,667 154 3.75 10,152 146 5.71

Total interest-bearing liabilities 2,958,585 17,192 2.36 3,021,346 19,254 2.53

Noninterest-bearing deposits 759,493 751,864

Other liabilities 67,106 61,085

Total liabilities 3,785,184 3,834,295

Stockholders' equity 599,317 601,668

Total liabilities and stockholders' equity $ 4,384,501 $ 4,435,963

Net earning assets $ 1,206,980 $ 1,159,070

Average interest-earning assets to average interest-bearing liabilities 140.80 % 138.36 %

Non-tax-equivalent

Net interest income $ 44,305 $ 44,213

Interest rate spread 3.63 % 3.49 %

Net interest margin(3)

4.31 % 4.20 %

Tax-equivalent(4)

Net interest income $ 44,740 $ 44,661

Interest rate spread 3.67 % 3.54 %

Net interest margin(3)

4.36 % 4.24 %

(1)Average loans receivable balances include loans held for sale and nonaccruing loans.

(2)Average other interest-earning assets consist of FRB stock, FHLB stock, SBIC investments and deposits in other banks.

(3)Net interest income divided by average interest-earning assets.

(4)Tax-equivalent results include adjustments to interest income of $435 and $448 for the three months ended March 31, 2026 and December 31, 2025, respectively, calculated based on combined federal and state tax rates of 23% and 24% for the same periods, respectively.

Total interest and dividend income for the three months ended March 31, 2026 decreased $2.0 million, or 3.1%, when compared to the three months ended December 31, 2025. A decline of $1.9 million, or 3.1%, in loan interest income drove this change, primarily due to fewer days in the current quarter and the impact of decreases in the federal funds rate upon loan yields, partially offset by an increase of $348,000 in accretion income.

Total interest expense for the three months ended March 31, 2026 decreased $2.1 million, or 10.7%, when compared to the three months ended December 31, 2025. A decline of $2.1 million, or 10.9%, in deposit interest expense drove this change, the result of a decline in the average balance of certificate accounts, specifically brokered deposits, a decline in the average cost of funds across funding categories, and fewer days in the current quarter.

The following table shows the effects that changes in average balances (volume), including differences in the number of days in the periods compared, and average interest rates (rate) had on the interest earned on interest-earning assets and interest paid on interest-bearing liabilities:

Increase / (Decrease)

Due to Total

Increase/

(Decrease)

(Dollars in thousands) Volume Rate

Interest-earning assets

Loans receivable $ (1,532) $ (340) $ (1,872)

Debt securities available for sale (65) 70 5

Other interest-earning assets (10) (93) (103)

Total interest-earning assets (1,607) (363) (1,970)

Interest-bearing liabilities

Interest-bearing checking accounts 14 74 88

Money market accounts (138) (438) (576)

Savings accounts (1) (1) (2)

Certificate accounts (1,057) (512) (1,569)

Junior subordinated debt (3) (8) (11)

Borrowings 91 (83) 8

Total interest-bearing liabilities (1,094) (968) (2,062)

Increase in net interest income $ 92

Provision for Credit Losses. The provision for credit losses is the amount of expense that, based on our judgment, is required to maintain the allowance for credit losses ("ACL") at an appropriate level under the current expected credit losses model.

The following table presents a breakdown of the components of the provision for credit losses:

Three Months Ended

(Dollars in thousands) March 31, 2026 December 31, 2025 $ Change % Change

Provision for credit losses

Loans $ 945 $ 1,525 $ (580) (38) %

Off-balance sheet credit exposure (575) 555 (1,130) (204)

Total provision for credit losses $ 370 $ 2,080 $ (1,710) (82) %

For the quarter ended March 31, 2026, the "loans" portion of the provision for credit losses was primarily the result of the following, offset by net charge-offs of $1.8 million during the quarter:

•$0.5 million benefit driven by changes in the loan mix.

•$0.2 million provision due to changes in the projected economic forecast, specifically the national unemployment rate, and changes in qualitative adjustments.

•$0.6 million decrease in specific reserves on individually evaluated loans.

For the quarter ended December 31, 2025, the "loans" portion of the provision for credit losses was primarily the result of the following, offset by net charge-offs of $3.1 million during the quarter:

•$0.9 million benefit driven by changes in the loan mix.

•$0.1 million benefit due to changes in the projected economic forecast, specifically the national unemployment rate, and changes in qualitative adjustments.

•$0.6 million decrease in specific reserves on individually evaluated loans.

For the quarters ended March 31, 2026 and December 31, 2025, the amounts recorded for off-balance sheet credit exposure were the result of changes in the balance of loan commitments, loan mix, projected economic forecast and qualitative allocations as outlined above.

Noninterest Income. Noninterest income for the three months ended March 31, 2026 increased $635,000, or 6.8%, when compared to the quarter ended December 31, 2025. Changes in the components of noninterest income are discussed below:

Three Months Ended

(Dollars in thousands) March 31, 2026 December 31, 2025 $ Change % Change

Noninterest income

Service charges and fees on deposit accounts $ 2,414 $ 2,534 $ (120) (5) %

Loan income and fees 692 926 (234) (25)

Gain on sale of loans held for sale 2,654 1,926 728 38

Bank owned life insurance ("BOLI") income 892 976 (84) (9)

Operating lease income 1,892 2,032 (140) (7)

Gain on sale of premises and equipment 377 65 312 480

Other 1,110 937 173 18

Total noninterest income $ 10,031 $ 9,396 $ 635 7 %

•Loan income and fees: The decrease was primarily the result of $144,000 less in interest rate swap fees in addition to smaller decreases across several other loan fee categories.

•Gain on sale of loans held for sale: The increase was primarily driven by an increase in the sales volume of HELOC loans originated for sale, partially offset by reduced sales volume of residential mortgage loans and SBA commercial loans. There were $103.0 million of HELOCs originated for sale which were sold during the current quarter with gains of $934,000 compared to $13.7 million sold with gains of $121,000 in the prior quarter. There were $23.3 million of residential mortgage loans sold for gains of $431,000 during the current quarter compared to $31.1 million sold with gains of $606,000 in the prior quarter. There were $16.4 million in sales of the guaranteed portion of SBA commercial loans with gains of $1.2 million for the current quarter compared to $18.9 million sold and gains of $1.5 million for the prior quarter. Our hedging of mandatory commitments on the residential mortgage loan pipeline resulted in a net gain of $68,000 for the current quarter compared to a net loss of $295,000 for the prior quarter.

•Gain on sale of premises and equipment: In both periods presented, gains were recognized on the sale of excess parcels of land.

Noninterest Expense. Noninterest expense for the three months ended March 31, 2026 increased $1.3 million, or 4.0%, when compared to the three months ended December 31, 2025. Changes in the components of noninterest expense are discussed below:

Three Months Ended

(Dollars in thousands) March 31, 2026 December 31, 2025 $ Change % Change

Noninterest expense

Salaries and employee benefits $ 19,877 $ 18,541 $ 1,336 7 %

Occupancy expense, net 2,630 2,572 58 2

Computer services 2,877 2,798 79 3

Operating lease depreciation expense 1,516 1,582 (66) (4)

Telecom, postage and supplies 581 542 39 7

Marketing and advertising 417 514 (97) (19)

Deposit insurance premiums 484 483 1 —

Core deposit intangible amortization 374 411 (37) (9)

Other 4,219 4,251 (32) (1)

Total noninterest expense $ 32,975 $ 31,694 $ 1,281 4 %

•Salaries and employee benefits: The increase was primarily the result of a $449,000 increase in incentive compensation and $409,000 in additional FICA taxes.

Income Taxes. The amount of income tax expense is influenced by the amount of pre-tax income, tax-exempt income, changes in the statutory rate and the effect of changes in valuation allowances maintained against deferred tax benefits. The effective tax rates for the three months ended March 31, 2026 and December 31, 2025 were 20.1% and 18.7%, respectively, with the quarter-over-quarter increase driven by the prior quarter impact of the Company's investment in a tax credit equity fund.

Balance Sheet Review

Total assets decreased by $159.3 million to $4.4 billion and total liabilities decreased by $151.0 million to $3.8 billion at March 31, 2026 as compared to December 31, 2025. These changes can be traced to the use of proceeds from both loan sales and loan paydowns to offset a $70.5 million decline in deposits. The decrease in deposits was the result of a $116.1 million reduction in brokered deposits, partially offset by an increase of $45.7 million in all other deposit categories.

Stockholders' equity decreased $8.3 million, or 1.4%, to $592.4 million at March 31, 2026 as compared to December 31, 2025. Activity within stockholders' equity included $16.8 million in net income and $1.4 million in share-based compensation and stock option exercises, more than offset by $2.2 million in cash dividends declared and $23.1 million in stock repurchases. In addition, accumulated other comprehensive income declined by $622,000 due to an increase in the unrealized loss on available for sale securities due to higher market interest rates.

As of March 31, 2026, the Bank was considered "well capitalized" in accordance with its regulatory capital guidelines and exceeded all regulatory capital requirements.

Asset Quality

The ACL on loans was $40.6 million, or 1.14% of total loans, at March 31, 2026 compared to $41.5 million, or 1.16% of total loans, at December 31, 2025. The drivers of this change are discussed in the "Comparison of Results of Operations for the Quarters Ended March 31, 2026 and December 31, 2025 – Provision for Credit Losses" section above.

Net loan charge-offs totaled $1.8 million for the quarter ended March 31, 2026 compared to $3.1 million and $1.3 million for the three months ended December 31, 2025 and March 31, 2025, respectively. For all three periods, net charge-offs were concentrated within our equipment finance portfolio, primarily related to over-the-road truck loans, where we recognized net charge-offs of $1.5 million, $2.0 million and $1.0 million for the same periods, respectively. Annualized net charge-offs as a percentage of average loans were 0.19% for the three months ended March 31, 2026 as compared to 0.33% and 0.14% for the three months ended December 31, 2025 and March 31, 2025, respectively.

The following table sets forth the composition of nonperforming assets, made up of nonaccrual loans and repossessed assets, across our asset categories.

(Dollars in thousands) March 31, 2026 December 31, 2025 March 31, 2025

Nonaccruing loans

Commercial real estate

Construction and land development $ 854 $ 381 $ —

Commercial real estate - owner occupied 11,256 10,467 8,583

Commercial real estate - non-owner occupied 6,704 6,566 3,552

Multifamily — — 38

Total commercial real estate 18,814 17,414 12,173

Commercial

Commercial and industrial 10,578 9,786 2,965

Equipment finance 6,096 6,690 5,065

Total commercial 16,674 16,476 8,030

Residential real estate

Construction and land development — — 132

One-to-four family 3,632 2,961 2,203

HELOCs 7,140 6,523 4,033

Total residential real estate 10,772 9,484 6,368

Consumer 479 402 388

Total nonaccruing loans $ 46,739 $ 43,776 $ 26,959

Total repossessed assets 316 657 1,058

Total nonperforming assets $ 47,055 $ 44,433 $ 28,017

Total nonperforming assets as a percentage of total assets 1.07 % 0.98 % 0.61 %

Total SBA loans included in nonaccrual loans $ 22,720 $ 20,647 $ 6,459

Portion of SBA loans fully guaranteed by the SBA 16,348 14,885 2,374

Total nonaccruing loans, excluding the balance fully guaranteed by the SBA 30,391 28,891 24,585

Total repossessed assets 316 657 1,058

Total nonperforming assets, excluding the balance fully guaranteed by the SBA $ 30,707 $ 29,548 $ 25,643

Total nonperforming assets, excluding the balance fully guaranteed by the SBA, as a percentage of total assets 0.70 % 0.65 % 0.56 %

SBA loans made up 48.5%, 46.5% and 23.1% of total nonperforming assets at March 31, 2026, December 31, 2025 and March 31, 2025, respectively. The year-over-year increase was primarily the result of a management decision to accelerate the repurchase of the sold portion of nonperforming SBA loans (fully guaranteed portion) to simplify the workout process.

Classified assets increased by $6.0 million, or 9.1%, to $72.2 million, or 1.65% of total assets, as of March 31, 2026 when compared to the balance of $66.2 million, or 1.46% of total assets, as of December 31, 2025. Similarly, classified assets increased by $31.5 million, or 77.4%, to $72.2 million, or 1.65% of total assets, as of March 31, 2026 when compared to the balance of $40.7 million, or 0.89% of total assets, as of March 31, 2025. SBA loans made up the largest portion of classified assets at $25.7 million and $27.3 million, respectively, as of March 31, 2026 and December 31, 2025, of which $18.1 million and $19.8 million, respectively, was fully guaranteed. The remaining population of classified assets as of March 31, 2026 included $10.0 million of HELOCs, $9.3 million of 1-4 family residential real estate loans, $7.7 million of equipment finance loans (concentrated in the transportation sector) and $7.4 million of non-owner occupied CRE loans.

About HomeTrust Bancshares, Inc.

HomeTrust Bancshares, Inc. (NYSE: HTB), headquartered in Asheville, North Carolina, is the holding company for HomeTrust Bank, a state-chartered community bank operating over 30 locations across North Carolina, South Carolina, East Tennessee, Southwest Virginia, and Georgia. With total assets of $4.4 billion as of March 31, 2026, the Company’s goal is to remain a high-performing, regional community bank, guided by our strategy to be a best place to work. Reflecting this focus, the Company has been named one of Bank Director’s “Best U.S. Banks,” one of Forbes’ “America’s Best Banks,” one of S&P Global’s “Top 50 Community Banks,” and named to the 2025 KBW Honor Roll. In addition, the Company has been recognized as one of American Banker’s “Best Banks to Work For,” received a “Most Loved Workplace” certification by Best Practices Institute, named as one of Best Companies Group’s “America’s Best Workplaces,” as well as being named a “Best Place to Work” in all five states in which it operates.

Forward-Looking Statements

This press release 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 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, costs or difficulties relating to integration matters, including but not limited to customer and employee retention, might be greater than expected, and 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; the impact of geopolitical instability and trade policies on our operations including the imposition of tariffs and retaliatory tariffs; natural disasters; 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 press release or in 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 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.

Consolidated Balance Sheets (Unaudited)

(Dollars in thousands)

March 31, 2026

December 31, 2025(1)

September 30, 2025 June 30, 2025 March 31, 2025

Assets

Cash $ 14,505 $ 14,411 $ 15,435 $ 16,662 $ 14,303

Interest-bearing deposits 286,188 310,281 300,395 280,547 285,522

Cash and cash equivalents 300,693 324,692 315,830 297,209 299,825

Certificates of deposit in other banks 13,619 18,841 20,833 23,319 25,806

Debt securities available for sale, at fair value 149,729 142,540 145,682 143,942 150,577

FHLB and FRB stock 13,614 13,636 14,325 15,263 13,602

SBIC investments 19,461 18,818 18,346 17,720 17,746

Loans held for sale, at fair value 6,562 7,005 7,907 1,106 2,175

Loans held for sale, at the lower of cost or fair value 101,930 198,688 189,047 169,835 151,164

Total loans, net of deferred loan fees and costs 3,546,580 3,578,154 3,643,619 3,671,951 3,648,609

Allowance for credit losses – loans (40,607) (41,479) (43,086) (44,139) (44,742)

Loans, net 3,505,973 3,536,675 3,600,533 3,627,812 3,603,867

Premises and equipment, net 62,210 62,400 62,437 62,706 62,347

Accrued interest receivable 14,636 15,973 17,077 16,554 18,269

Deferred income taxes, net 8,514 9,922 9,789 9,968 9,288

BOLI 94,555 93,930 93,474 92,576 91,715

Goodwill 34,111 34,111 34,111 34,111 34,111

Core deposit intangibles, net 4,474 4,848 5,259 5,670 6,080

Other assets 56,260 63,556 57,487 60,262 71,488

Total assets $ 4,386,341 $ 4,545,635 $ 4,592,137 $ 4,578,053 $ 4,558,060

Liabilities and stockholders' equity

Liabilities

Deposits $ 3,639,542 $ 3,709,997 $ 3,698,227 $ 3,666,178 $ 3,736,360

Junior subordinated debt 10,245 10,220 10,195 10,170 10,145

Borrowings 90,000 165,000 230,000 265,000 177,000

Other liabilities 54,147 59,728 57,882 57,431 69,106

Total liabilities 3,793,934 3,944,945 3,996,304 3,998,779 3,992,611

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 (2)

168 173 175 175 176

Additional paid in capital 144,465 166,856 176,289 174,900 176,682

Retained earnings 451,127 436,524 422,615 408,178 393,026

Unearned Employee Stock Ownership Plan ("ESOP") shares (3,306) (3,438) (3,571) (3,703) (3,835)

Accumulated other comprehensive income (loss) (47) 575 325 (276) (600)

Total stockholders' equity 592,407 600,690 595,833 579,274 565,449

Total liabilities and stockholders' equity $ 4,386,341 $ 4,545,635 $ 4,592,137 $ 4,578,053 $ 4,558,060

(1)Derived from audited financial statements.

(2)Shares of common stock issued and outstanding were 16,803,185 at March 31, 2026; 17,286,289 at December 31, 2025; 17,520,425 at September 30, 2025; 17,492,143 at June 30, 2025; and 17,552,626 at March 31, 2025.

Consolidated Statements of Income (Unaudited)

Three Months Ended

(Dollars in thousands)

March 31, 2026 December 31, 2025

Interest and dividend income

Loans $ 57,725 $ 59,597

Debt securities available for sale 1,604 1,599

Other investments and interest-bearing deposits 2,168 2,271

Total interest and dividend income 61,497 63,467

Interest expense

Deposits 16,850 18,909

Junior subordinated debt 188 199

Borrowings 154 146

Total interest expense 17,192 19,254

Net interest income 44,305 44,213

Provision for credit losses 370 2,080

Net interest income after provision for credit losses 43,935 42,133

Noninterest income

Service charges and fees on deposit accounts 2,414 2,534

Loan income and fees 692 926

Gain on sale of loans held for sale 2,654 1,926

BOLI income 892 976

Operating lease income 1,892 2,032

Gain on sale of premises and equipment 377 65

Other 1,110 937

Total noninterest income 10,031 9,396

Noninterest expense

Salaries and employee benefits 19,877 18,541

Occupancy expense, net 2,630 2,572

Computer services 2,877 2,798

Operating lease depreciation expense 1,516 1,582

Telecom, postage and supplies 581 542

Marketing and advertising 417 514

Deposit insurance premiums 484 483

Core deposit intangible amortization 374 411

Other 4,219 4,251

Total noninterest expense 32,975 31,694

Income before income taxes 20,991 19,835

Income tax expense 4,219 3,711

Net income $ 16,772 $ 16,124

Per Share Data

Three Months Ended

March 31, 2026 December 31, 2025

Net income per common share(1)

Basic $ 1.00 $ 0.94

Diluted $ 0.99 $ 0.93

Average shares outstanding

Basic 16,582,376 16,936,740

Diluted 16,716,089 17,070,906

Book value per share at end of period $ 35.26 $ 34.75

Tangible book value per share at end of period(2)

$ 33.02 $ 32.56

Cash dividends declared per common share $ 0.13 $ 0.13

Total shares outstanding at end of period 16,803,185 17,286,289

(1)Basic and diluted net income per common share have been prepared in accordance with the two-class method.

(2)See Non-GAAP reconciliations below for adjustments.

Selected Financial Ratios and Other Data

Three Months Ended

March 31, 2026 December 31, 2025

Performance ratios(1)

Return on assets (ratio of net income to average total assets) 1.55 % 1.44 %

Return on equity (ratio of net income to average equity) 11.35 10.63

Yield on earning assets 5.99 6.02

Rate paid on interest-bearing liabilities 2.36 2.53

Average interest rate spread 3.63 3.49

Net interest margin(2)

4.31 4.20

Average interest-earning assets to average interest-bearing liabilities 140.80 138.36

Noninterest expense to average total assets 3.05 2.83

Efficiency ratio 60.69 59.12

Efficiency ratio – adjusted(3)

60.62 58.80

(1)Ratios are annualized where appropriate.

(2)Net interest income divided by average interest-earning assets.

(3)See Non-GAAP reconciliations below for adjustments.

At or For the Three Months Ended

March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025 March 31, 2025

Asset quality ratios

Nonperforming assets to total assets(1)

1.07 % 0.98 % 0.72 % 0.67 % 0.61 %

Nonperforming loans to total loans(1)

1.32 1.22 0.89 0.81 0.74

Total classified assets to total assets 1.65 1.46 1.23 1.07 0.89

Allowance for credit losses to nonperforming loans(1)

86.88 94.75 132.26 147.98 165.96

Allowance for credit losses to total loans 1.14 1.16 1.18 1.20 1.23

Net charge-offs to average loans (annualized) 0.19 0.33 0.29 0.21 0.14

Capital ratios

Equity to total assets at end of period 13.51 % 13.21 % 12.98 % 12.65 % 12.41 %

Tangible equity to total tangible assets(2)

12.76 12.49 12.25 11.91 11.65

Average equity to average assets 13.67 13.56 13.31 13.20 12.66

(1)Nonperforming assets include nonaccruing loans and repossessed assets. There were no accruing loans more than 90 days past due at the dates indicated. For the periods presented, as shown in the "Asset Quality" section above, a portion of the nonaccrual loan balances was fully guaranteed by the SBA.

(2)See Non-GAAP reconciliations below for adjustments.

Loans

(Dollars in thousands)

March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025 March 31, 2025

Commercial real estate

Construction and land development $ 317,497 $ 277,028 $ 268,953 $ 267,494 $ 247,539

Commercial real estate – owner occupied 527,375 562,049 540,807 561,623 570,150

Commercial real estate – non-owner occupied 823,672 832,502 861,244 877,440 867,711

Multifamily 109,564 110,912 115,403 113,416 118,094

Total commercial real estate 1,778,108 1,782,491 1,786,407 1,819,973 1,803,494

Commercial loans

Commercial and industrial 392,114 378,686 399,155 367,359 349,085

Equipment finance 286,455 311,356 340,322 360,499 380,166

Municipal leases 167,371 166,396 164,967 168,623 163,554

Total commercial 845,940 856,438 904,444 896,481 892,805

Residential real estate

Construction and land development 48,715 45,617 51,110 53,020 56,858

One-to-four family 619,735 633,511 636,857 640,287 631,537

HELOCs 218,283 217,310 216,122 205,918 199,747

Total residential real estate 886,733 896,438 904,089 899,225 888,142

Consumer 35,799 42,787 48,679 56,272 64,168

Total loans, net of deferred loan fees and costs 3,546,580 3,578,154 3,643,619 3,671,951 3,648,609

Allowance for credit losses – loans (40,607) (41,479) (43,086) (44,139) (44,742)

Loans, net $ 3,505,973 $ 3,536,675 $ 3,600,533 $ 3,627,812 $ 3,603,867

Deposits

(Dollars in thousands)

March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025 March 31, 2025

Core deposits

Noninterest-bearing accounts $ 730,666 $ 707,748 $ 689,352 $ 698,843 $ 721,814

NOW accounts 575,525 546,387 537,954 561,524 573,745

Money market accounts 1,393,120 1,374,635 1,343,008 1,323,762 1,357,961

Savings accounts 171,754 171,455 172,883 179,980 184,396

Total core deposits 2,871,065 2,800,225 2,743,197 2,764,109 2,837,916

Certificates of deposit 768,477 909,772 955,030 902,069 898,444

Total $ 3,639,542 $ 3,709,997 $ 3,698,227 $ 3,666,178 $ 3,736,360

Non-GAAP Reconciliations

In addition to results presented in accordance with generally accepted accounting principles utilized in the United States ("GAAP"), this earnings release contains certain non-GAAP financial measures, which include: the efficiency ratio, tangible book value, tangible book value per share and the tangible equity to tangible assets ratio. The Company believes these non-GAAP financial measures and ratios as presented are useful for both investors and management to understand the effects of certain items and provide an alternative view of its performance over time and in comparison to its competitors. These non-GAAP measures have inherent limitations, are not required to be uniformly applied and are not audited. They should not be considered in isolation or as a substitute for total stockholders' equity or operating results determined in accordance with GAAP. These non-GAAP measures may not be comparable to similarly titled measures reported by other companies.

Set forth below is a reconciliation to GAAP of the Company's efficiency ratio:

Three Months Ended

(Dollars in thousands) March 31, 2026 December 31, 2025

Noninterest expense $ 32,975 $ 31,694

Net interest income $ 44,305 $ 44,213

Plus: tax-equivalent adjustment 435 448

Plus: noninterest income 10,031 9,396

Less: BOLI death benefit proceeds in excess of cash surrender value — 92

Less: gain on sale of premises and equipment 377 65

Net interest income plus noninterest income – adjusted $ 54,394 $ 53,900

Efficiency ratio 60.69 % 59.12 %

Efficiency ratio – adjusted 60.62 % 58.80 %

Set forth below is a reconciliation to GAAP of tangible book value and tangible book value per share:

As of

(Dollars in thousands, except per share data) March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025 March 31, 2025

Total stockholders' equity $ 592,407 $ 600,690 $ 595,833 $ 579,274 $ 565,449

Less: goodwill, core deposit intangibles, net of taxes 37,556 37,844 38,160 38,477 38,793

Tangible book value $ 554,851 $ 562,846 $ 557,673 $ 540,797 $ 526,656

Common shares outstanding 16,803,185 17,286,289 17,520,425 17,492,143 17,552,626

Book value per share $ 35.26 $ 34.75 $ 34.01 $ 33.12 $ 32.21

Tangible book value per share $ 33.02 $ 32.56 $ 31.83 $ 30.92 $ 30.00

Set forth below is a reconciliation to GAAP of tangible equity to tangible assets:

As of

(Dollars in thousands) March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025 March 31, 2025

Tangible equity(1)

$ 554,851 $ 562,846 $ 557,673 $ 540,797 $ 526,656

Total assets 4,386,341 4,545,635 4,592,137 4,578,053 4,558,060

Less: goodwill, core deposit intangibles, net of taxes 37,556 37,844 38,160 38,477 38,793

Total tangible assets $ 4,348,785 $ 4,507,791 $ 4,553,977 $ 4,539,576 $ 4,519,267

Tangible equity to tangible assets 12.76 % 12.49 % 12.25 % 11.91 % 11.65 %

(1)Tangible equity (or tangible book value) is equal to total stockholders' equity less goodwill and core deposit intangibles, net of related deferred tax liabilities.

EX-99.2

Filename: investorpresentation-q12.htm · Sequence: 3

investorpresentation-q12

1st Quarter 2026 Investor Presentation

Founded: 1926 Locations: 32 Employees: 577 Headquarters: Asheville, NC NYSE: HTB Overview $4.4B Assets1 $3.5B Loans1 $3.6B Deposits1 135% Price to TBV2 852,853 Total Shares Repurchased LTM1,3 $750MM Market Cap2 62,146 TTM Average Daily Volume2 16,803,185 Outstanding Shares1 1. Financial data as of March 31, 2026 2. Market data as of April 16, 2026 3. See “Capital Strategy” slide for further information on shares repurchased. 3

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 One of the Top 100 Best U.S. Banks less than $5 billion two years in a row – 2024 and 2025 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

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

$27.10 $27.73 $28.57 $29.24 $30.00 $30.92 $31.83 $32.56 $33.02 $27.10 $27.73 $28.57 $29.24 $30.01 $30.95 $31.83 $32.70 $33.34 $26.00 $27.00 $28.00 $29.00 $30.00 $31.00 $32.00 $33.00 $34.00 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 TBV per Share TBV per Share, Adjusted* *Adjusted to remove the effect of stock buybacks. See Appendix – Non-GAAP Reconciliation. Double-Digit Growth in Tangible Book Value Per Share TBV per Share +10.4% CAGR over last 24 months 6 TBV per Share, Adjusted* +10.9% CAGR over last 24 months

1.01% 1.30% 1.26% 1.43% 1.52% 0.60% 0.70% 0.80% 0.90% 1.00% 1.10% 1.20% 1.30% 1.40% 1.50% 1.60% 2022 2023 2024 2025 Q1 2026* Adjusted ROA +13.4% CAGR over last 3.25 years Double-Digit Growth in Adjusted Return on Assets * Period reflects calendar year to date data. See Appendix – Non-GAAP Reconciliation. 7

Focused Deposit Growth Capital Management 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

Key Investment Highlights Footprint in attractive metro markets experiencing growth rates above the national average (See Pages 11-12) Compelling commercial bank products and proven team (See Pages 8, 10, 13-19) • Diversified lines of business and loan portfolio • Strong experienced team of revenue producers with local market knowledge • Attractive core deposit mix and cost • Refreshed leadership team with extensive banking and merger/acquisition experience Our stock represents a value when compared to our peers (See Page 24) Strong profitability and capital position (See Pages 6, 20-23, 25-26) • Top quartile financial performance and superior interest margin • Proven ability to generate noninterest income • Continued expense rationalization • Resilient tangible book value growth with minimal AOCI effect • Robust capital position to support continued growth Strong asset quality and credit discipline to support further growth (See Page 23) 9

*The years identified above reflect the years these individuals joined the Company. 10 C. Hunter Westbrook President & CEO (2012) Charles F. Sivley Jr. Chief Technology Officer (2024) John Sprink Commercial Banking Group Exec. (2014) Kevin M. Nunley Chief Credit Officer (2020) Kristin Y. Powell Consumer & Business 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) Experienced Leadership Team

Strong Southeast Footprint Source: S&P Global Market Intelligence for MSA Demographics Raleigh 8.3% Population Growth 13.3% HH Income Growth Charlotte 7.2% Population Growth 13.2% HH Income Growth Atlanta 4.2% Population Growth 11.4% HH Income Growth Greenville 6.7% Population Growth 14.3% HH Income Growth (2026 to 2031 Projected Changes) Charleston 7.5% Population Growth 13.3% HH Income Growth 11 1. 4. 7. 8. 18. North Carolina Virginia Georgia Tennessee South Carolina2025 Attractive metro markets experiencing growth rates well above the national average (2.6%)

Source: Retirement Living 2025 12 3. 5. 7. 8. 32. North Carolina South Carolina Georgia Tennessee Virginia Continued Southeast Migration

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

“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

Commercial RE (NOO) 26% Commercial RE (OO) 15% Construction and Development 10% Other Commercial 16% Equipment Finance 8% 1-4 Family 18% HELOCs and Other Consumer 7% Diversified Loan Portfolio 15 Total Loans $3,546,580 (Dollars in thousands, as of March 31, 2026) With Low Concentration Risk

$- $25,000 $50,000 $75,000 $100,000 $125,000 $150,000 $175,000 $200,000 Hospitality Healthcare Other Multifamily Shopping Centers Office Other Retail Industrial Non-Owner Occupied CRE NOO CRE – Office Top 5 loans: $6,230,000 $6,221,000 $4,822,000 $4,787,000 $4,549,000 Total - $26,609,000 (28% of the portfolio) 16 (Dollars in thousands, as of March 31, 2026)

C&I 35% Hotel 28% Retail 22% Other 11% Office 4% SBA Portfolio Total Balance $138,344 Guaranteed Balance $44,948 0.00% 2.00% 4.00% 6.00% 8.00% 10.00% 12.00% $- $1,500 $3,000 $4,500 $6,000 $7,500 $9,000 3/31/25 6/30/25 9/30/25 12/31/25 3/31/26 Classified SBA Loans Unguaranteed Balance % of SBA Portfolio 17 SBA Loan Portfolio (Dollars in thousands, as of March 31, 2026)

0.00% 0.50% 1.00% 1.50% 2.00% 2.50% 3.00% $- $2,000 $4,000 $6,000 $8,000 $10,000 3/31/25 6/30/25 9/30/25 12/31/25 3/31/26 Classified EF Loans 1 Loan Balance % of EF Portfolio 18 Equipment Finance Portfolio (Dollars in thousands, as of March 31, 2026) Construction 27% Other 18% Healthcare 16% Manufacturing 16% Other Transport 12% Over the Road Transport 11% Total Balance $286,455 1. The average loan balance of classified EF loans was $99 as of March 31, 2026. Due to pressure in the transportation sector, in particular over-the-road trucking, we elected to cease further originations within the sector as of 12/31/23, when the total balance stood at $121.4 million. As a result of our efforts to closely manage the portfolio, the balance has paid down to $30.0 million as of 3/31/26.

Noninterest- bearing 20% NOW 16% Money Market/Savings 43% Time Deposits 21% 2.19% 2.05% 2.06% 2.00% 1.85% 1.50% 1.75% 2.00% 2.25% Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Cost of Deposits Deposit Franchise 19 (Dollars in thousands, as of March 31, 2026) Total Deposits $3,639,542

$1.00 $1.50 $2.00 $2.50 $3.00 $3.50 $4.00 $4.50 $- $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 2022 2023 2024 2025 2026 Adjusted Earnings Performance Adj. Net Income (Annualized) Adj. Net Income Adj. Diluted EPS (Annualized) Top Quartile Profitability Metrics (Dollars in thousands, by year) 0.25% 0.45% 0.65% 0.85% 1.05% 1.25% 1.45% 1.65% 2022 2023 2024 2025 Q1 2026* Adjusted Return on Assets 55% 57% 59% 61% 63% 65% 2022 2023 2024 2025 Q1 2026* Adjusted Efficiency Ratio 2% 4% 6% 8% 10% 12% 14% 2022 2023 2024 2025 Q1 2026* Adjusted Return on Average Tangible Common Equity * Period reflects calendar year to date data See Appendix – Non-GAAP Reconciliation 20

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 2022 2023 2024 2025 2026 Net Charge-Offs (“NCO”) and NCO to Average Loans NCOs (Annualized) NCOs NCO/Avg. Loans Solid Asset Quality and Credit Discipline to Support Loan Growth (Dollars in thousands) 0.00% 0.20% 0.40% 0.60% 0.80% 1.00% 1.20% 1.40% 12/31/22 12/31/23 12/31/24 12/31/25 3/31/26 Nonperforming Loans to Total Loans Nonperforming Loans Govt Guaranteed 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 12/31/22 12/31/23 12/31/24 12/31/25 3/31/26 Allowance for Credit Losses (“ACL”) and ACL to Total Loans ACL ACL/Total Loans 0.00% 0.20% 0.40% 0.60% 0.80% 1.00% 1.20% 1.40% 12/31/22 12/31/23 12/31/24 12/31/25 3/31/26 Nonperforming Assets to Total Assets Nonperforming Assets Govt Guaranteed

Strong Capital Position to Support Continued Growth (Dollars in thousands) 7% 8% 9% 10% 11% 12% 13% 14% 15% 12/31/22 12/31/23 12/31/24 12/31/25 3/31/26 Tier I Capital (to Risk-Weighted Assets) 9% 10% 11% 12% 13% 14% 15% 16% 12/31/22 12/31/23 12/31/24 12/31/25 3/31/26 Total Risk-Based Capital (to Risk-Weighted Assets) 6% 7% 8% 9% 10% 11% 12% 13% 14% 15% 12/31/22 12/31/23 12/31/24 12/31/25 3/31/26 Common Equity Tier I Capital (to Risk-Weighted Assets) 4% 6% 8% 10% 12% 14% 12/31/22 12/31/23 12/31/24 12/31/25 3/31/26 Tier I Capital (to Total Adjusted Assets) 22

Capital Strategy 10% 12% 14% 16% 18% 20% $- $0.10 $0.20 $0.30 $0.40 $0.50 $0.60 2022 2023 2024 2025 2026 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 $45.00 $50.00 12/31/22 12/31/23 12/31/24 12/31/25 3/31/26 Market Price and Price to Tangible Book Market Price per Share Price to Tangible Book 23 Stock Buyback Avg. Price per ShareTotal Shares RepurchasedPeriod $42.85533,240Q1 2026 $42.19241,201Q4 2025 --------------Q3 2025 $35.7478,412Q2 2025 $42.01852,853Total On 12/16/25, the Company's Board of Directors authorized the repurchase of 870,000 shares or approximately 5% of the Company’s outstanding shares. As of 3/31/26, there were 245,503 shares, or 1.5% of outstanding shares, available to be repurchased. *Reflects the payment of cash dividends of $0.15 for the remainder of 2026 consistent with the announced cash dividend payable on May 28, 2026.

1.15 3.05 Peer 17 Peer 12 Peer 16 Peer 10 Peer 14 Peer 15 Peer 13 Peer 4 Peer 2 Peer 8 Peer 6 Peer 9 Peer 3 Peer 7 Peer 11 Peer 5 Peer 1 1.32 2.62 Peer 16 Peer 12 Peer 17 Peer 15 Peer 10 Peer 14 Peer 2 Peer 4 Peer 6 Peer 13 Peer 8 Peer 11 Peer 3 Peer 7 Peer 5 Peer 1 1.23% 1.85% Peer 17 Peer 16 Peer 13 Peer 15 Peer 11 Peer 9 Peer 12 Peer 14 Peer 10 Peer 8 Peer 6 Peer 7 Peer 5 Peer 4 Peer 2 Peer 3 Peer 1 1.44% 1.97% Peer 16 Peer 17 Peer 13 Peer 12 Peer 14 Peer 11 Peer 15 Peer 10 Peer 6 Peer 7 Peer 8 Peer 3 Peer 4 Peer 5 Peer 2 Peer 1 (Three Months ended December 31) Valuation – Peer Comparison *Peer group includes banks of comparable size and complexity as disclosed in the most recent proxy statement. Source: Each institution’s respective public filings 24 2024 2025 2025 10.53 20.81 Peer 6 Peer 12 Peer 15 Peer 10 Peer 4 Peer 11 Peer 8 Peer 14 Peer 2 Peer 7 Peer 9 Peer 13 Peer 3 Peer 1 Peer 16 Peer 5 Peer 17 2024 2024 2025 Annualized Return on Assets (“ROA”) Stock Price to Annualized Earnings per Share (“EPS”) Stock Price to Tangible Book Value (“TBV”) per Share HTB HTB HTB HTB HTB HTB 11.54 14.25 Peer 15 Peer 11 Peer 6 Peer 2 Peer 4 Peer 10 Peer 12 Peer 14 Peer 8 Peer 3 Peer 13 Peer 7 Peer 1 Peer 5 Peer 17 Peer 16

Quarterly Highlights 12/31/20243/31/20256/30/20259/30/202512/31/20253/31/2026Net Income Per Share $ 0.83$ 0.84$ 1.01$ 0.96$ 0.94$ 1.00Basic $ 0.83$ 0.84$ 1.00$ 0.95$ 0.93$ 0.99Diluted See Appendix – Non-GAAP Reconciliation 12/31/20243/31/20256/30/20259/30/202512/31/20253/31/2026Performance Ratios 1.27 %1.33 %1.58 %1.48 %1.44 %1.55 %Return on assets (ROA) 10.32 %10.52 %11.97 %11.10 %10.63 %11.35 %Return on equity (ROE) 6.27 %6.20 %6.22 %6.21 %6.02 %5.99 %Yield on earning assets 2.94 %2.73 %2.61 %2.63 %2.53 %2.36 %Rate paid on interest-bearing liabilities 4.09 %4.18 %4.32 %4.31 %4.20 %4.31 %Net interest margin 59.89 %60.29 %58.59 %57.28 %58.80 %60.62 %Efficiency ratio - adjusted 12/31/20243/31/20256/30/20259/30/202512/31/20253/31/2026Asset Quality Ratios 0.63 %0.61 %0.67 %0.72 %0.98 %1.07 %Nonperforming assets to total assets 0.76 %0.74 %0.81 %0.89 %1.22 %1.32 %Nonperforming loans to total loans 1.06 %0.85 %1.07 %1.23 %1.46 %1.65 %Classified assets to total assets 163.68 %165.96 %147.98 %132.26 %94.75 %86.88 %ACL to nonperforming loans 1.24 %1.23 %1.20 %1.18 %1.16 %1.14 %ACL to total loans 0.19 %0.14 %0.21 %0.29 %0.33 %0.19 %Net charge-offs to average loans 25

Quarterly Highlights Consistent Top-Quartile Net Interest Margin 4.05% 4.10% 4.03% 4.09% 4.18% 4.32% 4.31% 4.20% 4.31% 4.02% 4.05% 3.98% 3.95% 4.14% 4.16% 4.24% 4.11% 4.19% 3.50% 3.75% 4.00% 4.25% 4.50% Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 NIM Reported NIM Core* 3.50% 3.75% 4.00% 4.25% 4.50% 4.75% 5.00% 5.25% 5.50% 5.75% Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Federal Funds Rate * Core net interest margin excludes accretion income and other loan fees. 26

Appendix – Non-GAAP Reconciliation 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 (ROATCE) 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. 3 Months Ended (Dollars in thousands) 3/31/2026 12/31/2025 12/31/2024 12/31/2023 12/31/2022 Noninterest expense 32,975$ 125,176$ 125,497$ 123,655$ 105,423$ Less: contract renew al consulting fee - - (2,965) - - Less: merger-related expense - - - (4,741) (724) Less: of f icer transition agreement expense - - - - (1,795) Noninterest expense - adjusted 32,975$ 125,176$ 122,532$ 118,914$ 102,904$ Net interest income 44,305$ 176,738$ 169,504$ 169,999$ 127,964$ Plus: tax-equivalent adjustment 435 1,737 1,460 1,244 1,189 Plus: noninterest income 10,031 36,331 33,449 32,073 34,515 Less: net death benefit proceeds from BOLI policies - (92) (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 (377) (93) 9 (734) (1,115) Net interest income plus noninterest income - adjusted 54,394$ 213,173$ 203,279$ 199,936$ 159,937$ Eff iciency ratio 60.69% 58.75% 61.84% 61.19% 64.88% Efficiency ratio - adjusted 60.62% 58.72% 60.28% 59.48% 64.34% 12 Months Ended (Dollars in thousands) 3/31/2026 12/31/2025 12/31/2024 12/31/2023 12/31/2022 Total stockholder's equity 592,407$ 600,690$ 551,758$ 499,893$ 410,155$ Less: goodw ill, core deposit intangibles, net of taxes (37,556) (37,844) (39,189) (41,086) (25,663) Tangible book value 554,851$ 562,846$ 512,569$ 458,807$ 384,492$ Common shares outstanding 16,803,185 17,286,289 17,527,709 17,387,069 15,673,595 Book value per share 35.26$ 34.75$ 31.48$ 28.75$ 26.17$ Tangible book value per share 33.02$ 32.56$ 29.24$ 26.39$ 24.53$ HomeTrust Bancshares, Inc. share price 42.65$ 42.94$ 33.68$ 26.92$ 24.17$ Price to tangible book value 129.2% 131.9% 115.2% 102.0% 98.5% 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: 27

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) 3/31/2026 12/31/2025 9/30/2025 6/30/2025 3/31/2025 Total stockholder's equity 592,407$ 600,690$ 595,833$ 579,274$ 565,449$ Less: goodw ill, core deposit intangibles, net of taxes (37,556) (37,844) (38,160) (38,477) (38,793) Tangible book value 554,851$ 562,846$ 557,673$ 540,797$ 526,656$ Shares repurchased, including excise tax 23,077 10,279 - 2,989 503 Tangible book value - adjusted 577,928$ 573,125$ 557,673$ 543,786$ 527,159$ Common shares outstanding 16,803,185 17,286,289 17,520,425 17,492,143 17,552,626 Shares repurchased 533,240 241,201 - 78,412 14,800 Common shares outstanding - adjusted 17,336,425 17,527,490 17,520,425 17,570,555 17,567,426 Book value per share 35.26$ 34.75$ 34.01$ 33.12$ 32.21$ Tangible book value per share 33.02$ 32.56$ 31.83$ 30.92$ 30.00$ Non-GAAP adjustment 0.32 0.14 - 0.03 0.01 Tangible book value per share - adjusted 33.34$ 32.70$ 31.83$ 30.95$ 30.01$ HomeTrust Bancshares, Inc. share price 42.65$ 42.94$ 40.94$ 37.41$ 34.28$ Price to tangible book value 129.2% 131.9% 128.6% 121.0% 114.3% As of (Dollars in thousands) 12/31/2024 9/30/2024 6/30/2024 3/31/2024 Total stockholder's equity 551,758$ 540,004$ 523,628$ 513,173$ Less: goodw ill, core deposit intangibles, net of taxes (39,189) (39,626) (40,063) (40,500) Tangible book value 512,569$ 500,378$ 483,565$ 472,673$ Shares repurchased, including excise tax - - 674 - Tangible book value - adjusted 512,569$ 500,378$ 484,239$ 472,673$ Common shares outstanding 17,527,709 17,514,922 17,437,326 17,444,787 Shares repurchased - - 23,483 - Common shares outstanding - adjusted 17,527,709 17,514,922 17,460,809 17,444,787 Book value per share 31.48$ 30.83$ 30.03$ 29.42$ Tangible book value per share 29.24$ 28.57$ 27.73$ 27.10$ Non-GAAP adjustment - - - - Tangible book value per share - adjusted 29.24$ 28.57$ 27.73$ 27.10$ HomeTrust Bancshares, Inc. share price 33.68$ 34.08$ 30.03$ 27.34$ Price to tangible book value 115.2% 119.3% 108.3% 100.9% As of (Continued) 28 Appendix – Non-GAAP Reconciliation

3 Months Ended (Dollars in thousands) 3/31/2026 12/31/2025 12/31/2024 12/31/2023 12/31/2022 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 - (92) (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 (377) (93) 9 (734) (1,115) Officer transition agreement expense - - - - 1,795 Gain on sale of debt securities available for sale - - - - (1,895) Total adjustments (377) (1,633) 1,831 6,919 (1,212) Less: tax effect 87 384 (430) (1,558) 285 Total adjustments, net of tax (290) (1,249) 1,401 5,361 (927) Net income (GAAP) 16,772 64,364 54,805 50,044 36,905 Adjusted net income (non-GAAP) 16,482$ 63,115$ 56,206$ 55,405$ 35,978$ Average shares outstanding - basic 16,582,376 16,987,894 16,914,741 16,604,881 15,149,241 Average shares outstanding - diluted 16,716,089 17,106,783 16,977,330 16,622,371 15,319,601 Basic EPS (GAAP) 1.00$ 3.75$ 3.21$ 2.99$ 2.42$ Non-GAAP adjustment (0.02) (0.07) 0.08 0.32 (0.06) Adjusted basic EPS (non-GAAP) 0.98$ 3.68$ 3.29$ 3.31$ 2.36$ Diluted EPS (GAAP) 0.99$ 3.72$ 3.20$ 2.99$ 2.39$ Non-GAAP adjustment (0.02) (0.07) 0.08 0.32 (0.06) Adjusted diluted EPS (non-GAAP) 0.97$ 3.65$ 3.28$ 3.31$ 2.33$ Average assets 4,384,501$ 4,415,331$ 4,439,661$ 4,285,115$ 3,551,791$ Average equity 599,317$ 582,181$ 528,288$ 471,107$ 398,055$ ROA (GAAP) 1.55% 1.46% 1.23% 1.17% 1.04% Non-GAAP adjustment -0.03% -0.03% 0.03% 0.13% -0.03% Adjusted ROA (non-GAAP) 1.52% 1.43% 1.26% 1.30% 1.01% ROE (GAAP) 11.35% 11.06% 10.37% 10.62% 9.27% Non-GAAP adjustment -0.19% -0.21% 0.27% 1.14% -0.23% Adjusted ROE (non-GAAP) 11.16% 10.85% 10.64% 11.76% 9.04% Average equity 599,317$ 582,181$ 528,288$ 471,107$ 398,055$ Less: goodw ill, core deposit intangible, net of taxes (37,556) (37,844) (39,189) (41,086) (25,663) Average tangible book value 561,761$ 544,337$ 489,099$ 430,021$ 372,392$ Adjusted ROATCE 11.74% 11.59% 11.49% 12.88% 9.66% 12 Months Ended Set forth is a reconciliation to GAAP of adjusted net income, EPS, ROA and ROATCE: 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) 29 Appendix – Non-GAAP Reconciliation

(Dollars in thousands) 3/31/2026 12/31/2025 9/30/2025 6/30/2025 3/31/2025 12/31/2024 Noninterest expense 32,975$ 31,694$ 31,266$ 31,255$ 30,961$ 34,009$ Less: contract renew al consulting fee - - - - - (2,965) Noninterest expense - adjusted 32,975$ 31,694$ 31,266$ 31,255$ 30,961$ 31,044$ Net interest income 44,305$ 44,213$ 45,389$ 44,229$ 42,907$ 43,205$ Plus: tax-equivalent adjustment 435 448 440 431 418 389 Plus: noninterest income 10,031 9,396 8,751 10,157 8,027 8,243 Less: gain on death benefit proceeds from BOLI policies - (92) - - - - Less: gain on sale of branches - - - (1,448) - - Less: (gain) loss on sale of premises and equipment (377) (65) - (28) - - Net interest income plus noninterest income - adjusted 54,394$ 53,900$ 54,580$ 53,341$ 51,352$ 51,837$ Eff iciency ratio 60.69% 59.12% 57.75% 57.47% 60.79% 66.10% Efficiency ratio - adjusted 60.62% 58.80% 57.28% 58.59% 60.29% 59.89% 3 Months ended Set forth is a reconciliation to GAAP of our quarterly return on assets: (Dollars in thousands) 3/31/2026 12/31/2025 9/30/2025 6/30/2025 3/31/2025 12/31/2024 Contract renew al consulting fee -$ -$ -$ -$ -$ 2,965$ Gain on death benefit proceeds from BOLI policies - (92) - - - - Gain on sale of branches - - - (1,448) - - (Gain) loss on sale of premises and equipment (377) (65) - (28) - - Total adjustments (377)$ (157)$ -$ (1,476)$ -$ 2,965$ Less: tax effect 87 37 - 347 - (697) Total adjustments, net of tax (290) (120) - (1,129) - 2,268 Net income (GAAP) 16,772 16,124 16,491 17,210 14,539 14,208 Adjusted net income (non-GAAP) 16,482$ 16,004$ 16,491$ 16,081$ 14,539$ 16,476$ Average assets 4,384,501$ 4,435,963$ 4,431,153$ 4,366,891$ 4,427,045$ 4,461,612$ Average equity 599,317$ 601,668$ 589,632$ 576,574$ 560,312$ 547,711$ ROA (GAAP) 1.55% 1.44% 1.48% 1.58% 1.33% 1.27% Non-GAAP adjustment -0.03% -0.01% 0.00% -0.10% 0.00% 0.20% Adjusted ROA (non-GAAP) 1.52% 1.43% 1.48% 1.48% 1.33% 1.47% ROE (GAAP) 11.35% 10.63% 11.10% 11.97% 10.52% 10.32% Non-GAAP adjustment -0.19% -0.08% 0.00% -0.78% 0.00% 1.66% Adjusted ROE (non-GAAP) 11.16% 10.55% 11.10% 11.19% 10.52% 11.98% 3 Months ended Set forth is a reconciliation to GAAP of our quarterly efficiency ratio: (Continued) 30 Appendix – Non-GAAP Reconciliation

33 Culture Fundamentals 31 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.”

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 32

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Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 13e

-Subsection 4c

+ Details

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Balance Type:

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14d

-Subsection 2b

+ Details

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Namespace Prefix:

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- Definition

Title of a 12(b) registered security.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b

+ Details

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Data Type:

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- Definition

Name of the Exchange on which a security is registered.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection d1-1

+ Details

Name:

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Namespace Prefix:

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Data Type:

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Balance Type:

Period Type:

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14a

-Subsection 12

+ Details

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Namespace Prefix:

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- Definition

Trading symbol of an instrument as listed on an exchange.

+ References

No definition available.

+ Details

Name:

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Namespace Prefix:

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Data Type:

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Balance Type:

Period Type:

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Securities Act

-Number 230

-Section 425

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