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HomeTrust Bancshares (HTB) investor relations material
HomeTrust Bancshares Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary22 Jul, 2025
Executive summary
Net income for Q2 2025 was $17.2M, up 18.4% sequentially; diluted EPS rose to $1.00 from $0.84.
For the six months ended June 30, 2025, net income was $31.7M, up 15.5% year-over-year; diluted EPS was $1.84.
93,212 shares repurchased YTD at an average price of $35.41; quarterly dividend maintained at $0.12 per share.
A $1.4M gain was recognized from the sale of two Knoxville, TN branches.
Recognized as a top-performing and best workplace bank by national publications.
Financial highlights
Net interest margin for Q2 2025 was 4.32%, up from 4.18% in Q1; net interest income was $44.2M.
Provision for credit losses was $1.3M, down from $1.5M in Q1 2025; ACL on loans was 1.20% of total loans.
Noninterest income rose 26.5% sequentially to $10.2M, driven by branch sale and higher loan sale gains.
Noninterest expense increased 0.9% sequentially, mainly due to higher salaries and loan workout costs.
Efficiency ratio improved to 57.47% in Q2 2025 from 60.79% in Q1 2025.
Outlook and guidance
Management expects continued focus on prudent loan growth, capital, and liquidity.
No material impact anticipated from recent federal tax legislation.
Strategic focus on core market growth and operational efficiency after branch sales.
Why did HTB sell Knoxville branches?
What drove the HELOC sales increase?
What is the outlook on nonperforming assets?
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Next HomeTrust Bancshares earnings date
Q3 202523 Oct, 2025
Next HomeTrust Bancshares earnings date
Q3 202523 Oct, 2025
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Frequently asked questions
HomeTrust Bancshares, Inc. is a bank holding company that operates through its subsidiary, HomeTrust Bank. The company provides a range of personal and business banking products and services, including checking and savings accounts, certificates of deposit, and mortgage and consumer loans. It also offers commercial banking services such as commercial real estate loans, small business loans, and treasury management. HomeTrust Bancshares serves individual and corporate customers primarily in the southeastern United States, with a focus on North Carolina, South Carolina, Tennessee, and Virginia. The company is headquartered in Asheville, North Carolina, and its shares are listed on the NASDAQ.
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