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Hometrust Bank

Asheville, NC · Cert 27677 · Hometrust Bancshares Inc.

State charter, Fed member · FED · 33 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

76

Q2 2024Q2 2026peer median (50)

Asset Quality

21

Q2 2024Q2 2026peer median (50)

Profitability

70

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

48

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Hometrust Bank

Asheville, NC · Cert 27677 · Hometrust Bancshares Inc.

State charter, Fed member · FED · 33 branches

Q2 2026

$4.4BAssets
$3.7BLoans
$3.6BDeposits
$587.2MEquity
Loan mix
77%RE $2.7B22%C&I $0.8B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $2.9B21%Noninterest $0.8BQ2 2025Q2 2026

NIM

5.82%Q2 ’245.83%Q2 ’255.72%Q2 ’26+5%+4%

Non-interest income vs. expense

2.71%Q2 ’242.83%Q2 ’253.06%Q2 ’26+4%+8%

Market Position · Asheville, NC · 2026 SOD (annual) · 10.8% share · #4 of 24 inst. · $1.1B of $10.3B

13.0% Buncombe
22.4% Hamblen
1.0% Gwinnett
63.7% Polk

Executive Summary

  • Earnings: ROA of 1.52%, up 10 bps year over year; NIM at 4.23%.
  • Asset quality: problem loans at 1.40% of loans (+62 bps YoY), with net charge-offs at 0.20%.
  • Capital: tier 1 leverage ratio of 12.91%, up 52 bps from a year ago.
  • Funding: loans stand at 103.61% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.52%+10 bps YoY

Net Interest Margin (YTD, annualized)

4.23%+18 bps YoY

Efficiency Ratio (YTD, annualized)

59.43%+181 bps YoY

Tier 1 Leverage Ratio

12.91%+52 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.41%1.43%1.43%1.53%1.52%+10 bps
Return on Equity11.46%11.50%11.40%11.51%11.44%-2 bps
Net Interest Margin4.05%4.05%4.04%4.10%4.23%+18 bps
Efficiency Ratio57.62%57.25%57.41%59.53%59.43%+181 bps
Non-Interest Burden2.00%1.99%1.99%2.08%2.15%+15 bps
Growth
Asset Growth (YoY)-1.99%-0.95%-1.11%-3.78%-3.07%-107 bps
Loan Growth (YoY)-2.17%-1.31%-1.83%-3.86%-2.60%-43 bps
Deposit Growth (YoY)-0.94%-1.37%-1.64%-2.52%-1.66%-71 bps
Asset Quality
Nonperforming Loans / Loans0.78%0.85%1.17%1.28%1.40%+62 bps
Net Charge-Offs / Loans0.17%0.21%0.25%0.20%0.20%+2 bps
Allowance / Loans1.15%1.12%1.10%1.11%1.06%-9 bps
Allowance Coverage of NPLs1.5x1.3x0.9x0.9x0.8x-0.7x
Capital
Tier 1 Leverage Ratio12.39%12.44%12.65%12.70%12.91%+52 bps
Total Risk-Based Capital14.19%14.47%14.85%15.23%14.84%+65 bps
Equity / Assets12.57%12.76%13.11%13.46%13.23%+66 bps
Liquidity & Funding
Loans / Deposits104.61%103.48%101.76%100.24%103.61%-100 bps
Liquid Assets / Assets6.64%6.99%7.24%6.83%5.99%-64 bps
CRE / Total Capitaln/a337%329%333%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Hometrust Bank

Asheville, NC · Cert 27677 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Hometrust Bancshares Inc.

State charter, Fed member · FED · 33 branches

Q2 2026

$4.4BAssets
$3.7BLoans
$3.6BDeposits
$587.2MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 89% of banks $1B-$10B in assets operating regionally (rank 19 of 176).
  • Widest gap: net charge-offs / loans trails 82% of banks $1B-$10B in assets operating regionally (rank 145 of 176).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.52%

Rank 46 of 176

Net Interest Margin

4.23%

Rank 19 of 176

Efficiency Ratio

60.05%

Rank 93 of 176

Equity / Assets

13.23%

Rank 20 of 176

Non-interest income vs. expense

$38.9M$131.4MINCOMEEXPENSE
Unfavorable gap of $92.5M · efficiency ratio beats 48% of banks $1B-$10B in assets operating regionally
Bank 60.05%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.52%0.93%1.26%1.54%Beats 74%46 / 176
Return on Equity11.51%9.26%11.89%14.46%Beats 46%95 / 176
Net Interest Margin4.23%3.25%3.59%3.93%Beats 89%19 / 176
Efficiency Ratio60.05%52.79%59.55%67.66%Beats 48%93 / 176
Asset Quality
Nonperforming Loans / Loans1.40%0.30%0.64%1.32%Beats 23%137 / 176
Net Charge-Offs / Loans0.12%0.01%0.04%0.10%Beats 18%145 / 176
Capital
Tier 1 Capital Ratio13.74%11.15%12.72%14.15%Beats 70%53 / 176
Total Risk-Based Capital Ratio14.84%11.81%13.63%15.33%Beats 69%55 / 176
Equity / Assets13.23%9.16%10.35%11.80%Beats 89%20 / 176
Liquidity & Funding
Loans / Deposits103.61%80.94%89.73%97.21%92nd pctl14 / 176
Loans / Assets84.36%69.25%75.12%80.82%90th pctl17 / 176
Brokered Deposits / Depositsn/aNot reported for this institution