HomeTrust Bancshares (HTB) investor relations material

Executive summary

• Achieved recognition for consistent earnings growth and top rankings among U.S. banks for 2024 and 2025.

• Net income for Q1 2026 was $16.8 million, up 4.0% from $16.1 million in Q4 2025, with diluted EPS rising to $0.99 from $0.93.

• Focused on becoming a high-performing regional community bank and a top workplace across multiple states.

• Quarterly dividend increased by 15.4% to $0.15 per share, marking the eighth increase since 2018.

• Partnership announced with Asheville Tourists Baseball Team, renaming their ballpark HomeTrust Park.

Financial highlights

• Total assets of $4.4B, loans of $3.5B, and deposits of $3.6B as of March 31, 2026.

• Net interest margin expanded to 4.31% for Q1 2026, up from 4.20% sequentially.

• Provision for credit losses dropped to $370,000 from $2.1 million.

• Noninterest income rose 6.8% to $10.0 million, driven by higher gains on loan sales.

• Tangible book value per share grew at a 10.4% CAGR over the last 24 months, reaching $33.02.

Outlook and guidance

• Robust capital position and resilient tangible book value support continued growth.

• Management expects to accelerate loan growth in the second half of 2026.

• Continued focus on expense rationalization and noninterest income generation.

• Board authorized repurchase of up to 5% of outstanding shares; 1.5% remains available.