HomeTrust Bancshares (NASDAQ: HTBI) is a bank holding company that operates HomeTrust Bank, a community bank providing loans, deposits, and related financial services across the southeastern United States. The company earns money primarily through net interest income, the spread between interest earned on loans and securities and interest paid on deposits and borrowings. As of December 31, 2025, HomeTrust Bancshares held $4.55 billion in total assets, $3.54 billion in net loans, and $3.71 billion in deposits, with loan concentrations in Georgia, North Carolina, South Carolina, Tennessee, and Virginia markets. Net interest income for the year ended December 31, 2025 was $176.7 million, up from $169.5 million for the year ended December 31, 2024. The holding company derives substantially all of its revenue from dividends paid by HomeTrust Bank. C. Hunter Westbrook serves as President and Chief Executive Officer.

Revenue model

Net interest income from the spread between interest earned on loans, debt securities, and other interest-bearing assets and interest paid on deposits and borrowings. Total interest and dividend income was $256.1 million and total interest expense was $79.4 million for the year ended December 31, 2025, producing net interest income of $176.7 million.

Products and services

Loans (held for investment and held for sale), deposit accounts (including certificates of deposit), debt securities portfolio, home equity lines of credit, mortgage banking (origination and sale of loans held for sale), bank-owned life insurance, SBIC investments, and internet banking services.

Customers and end markets

Retail and commercial customers in Georgia, North Carolina, South Carolina, Tennessee, and Virginia. End markets include residential real estate, commercial real estate, and consumer lending in southeastern U.S. communities.

Value-chain role

Community bank and holding company. HomeTrust Bancshares is the holding company; HomeTrust Bank is the principal operating subsidiary that originates loans, takes deposits, and provides banking services directly to customers.

Geographic exposure

Southeastern United States, with loan concentrations in Georgia, North Carolina, South Carolina, Tennessee, and Virginia, as disclosed in the 10-K filed March 13, 2026.

Source: SEC 10-K, filed 2026-03-13

Industry: Savings Institution, Federally Chartered Peers: Carter Bankshares Inc Citizens & Northern Corp ENTERPRISE BANCORP INC /MA/ John Marshall Bancorp Inc MVB Financial Corp PNC Financial Services Group Inc Professional Holding Corp. Red River Bancshares Inc Shore Bancshares Inc SOUTHERN BANCSHARES NC INC