HomeTrust Bancshares (HTB) investor relations material

Executive summary

• Net income for Q2 2026 was $15.6 million, down from $16.8 million in Q1 2026; diluted EPS was $0.94 versus $0.99 sequentially.

• For the six months ended June 30, 2026, net income was $32.4 million, up from $31.7 million year-over-year; diluted EPS was $1.93 versus $1.84.

• Quarterly cash dividend increased 15.4% to $0.15 per share; 153,606 shares repurchased in Q2 at $46.31 average price.

• Loan growth was 8.5% annualized in Q2, or 14.6% excluding intentionally reduced portfolios.

• Launched a new Healthcare Banking Division post-quarter, expanding strategic focus.

Financial highlights

• Net interest margin rose to 4.41% in Q2 from 4.31% in Q1; for the six months, it was 4.36% versus 4.25% year-over-year.

• Provision for credit losses increased to $920,000 in Q2 from $370,000 in Q1; for six months, it was $1.3 million, down from $2.8 million year-over-year.

• Noninterest income fell 7.8% sequentially in Q2 but rose 6% year-over-year for the six months.

• Noninterest expense increased 3% sequentially in Q2 and 7.6% year-over-year for the six months.

• Gain on sale of real estate was $1.1 million in Q2; loss on redemption of junior subordinated debt securities was $1.1 million.

Outlook and guidance

• Management remains focused on accelerating loan growth and executing its strategy for sustainable results and long-term value.

• Recognized for high performance and workplace excellence, aiming to maintain top-quartile net interest margin and franchise strength.