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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

5.91%Q2 ’245.84%Q2 ’255.70%Q2 ’26+6%+4%

Non-interest income vs. expense

2.72%Q2 ’242.84%Q2 ’253.06%Q2 ’26-3%+14%

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%, down 2 bps year over year; NIM at 4.27%.
  • 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 (quarter, annualized)

1.52%-2 bps YoY

Net Interest Margin (quarter, annualized)

4.27%+16 bps YoY

Efficiency Ratio (quarter, annualized)

59.33%+321 bps YoY

Tier 1 Leverage Ratio

12.91%+52 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.53%1.46%1.44%1.53%1.52%-2 bps
Return on Equity12.30%11.56%11.12%11.51%11.38%-92 bps
Net Interest Margin4.11%4.16%4.04%4.10%4.27%+16 bps
Efficiency Ratio56.13%56.52%57.89%59.53%59.33%+321 bps
Non-Interest Burden1.92%2.02%2.00%2.08%2.19%+27 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 / Loans0.21%0.29%0.33%0.20%0.20%-1 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