ASHEVILLE, N.C., Oct. 22, 2025 — HomeTrust Bancshares, Inc. (NYSE: HTB) (“Company”), the holding company of HomeTrust Bank (“Bank”), today announced preliminary net income for the third quarter of the year ending December 31, 2025 and an increase in its quarterly cash dividend.

For the quarter ended September 30, 2025 compared to the quarter ended June 30, 2025:

• net income was $16.5 million compared to $17.2 million;
• diluted earnings per share (“EPS”) were $0.95 compared to $1.00;
• annualized return on assets (“ROA”) was 1.48% compared to 1.58%;
• annualized return on equity (“ROE”) was 11.10% compared to 11.97%;
• net interest margin was 4.31% compared to 4.32%;
• provision for credit losses was $2.0 million compared to $1.3 million;
• gain on the sale of our two Knoxville, Tennessee branches was $0 compared to $1.4 million;
• quarterly cash dividends continued at $0.12 per share totaling $2.1 million for each period; and
• 78,412 shares of Company common stock were repurchased during the prior quarter at an average price of $35.74 compared to none in the current quarter.

For the nine months ended September 30, 2025 compared to the nine months ended September 30, 2024:

• net income was $48.2 million compared to $40.6 million;
• diluted EPS were $2.79 compared to $2.37;
• annualized ROA was 1.46% compared to 1.22%;
• annualized ROE was 11.20% compared to 10.39%;
• net interest margin was 4.27% compared to 4.06%;
• provision for credit losses was $4.9 million compared to $8.4 million;
• gain on the sale of our two Knoxville, Tennessee branches was $1.4 million compared to $0;
• tax-free death benefit proceeds from life insurance were $0 compared to $1.1 million;
• cash dividends of $0.36 per share totaling $6.2 million compared to $0.33 per share totaling $5.6 million; and
• 93,212 shares of Company common stock were repurchased during the nine months at an average price of $35.41 compared to 23,483 shares repurchased at an average price of $27.48 in the same period last year.

The Company also announced today that its Board of Directors declared a quarterly cash dividend of $0.13 per common share, reflecting a $0.01, or 8.3%, increase over the previous quarter’s dividend. This is the seventh increase of the quarterly dividend since the Company initiated cash dividends in November 2018. The dividend is payable on November 28, 2025 to shareholders of record as of the close of business on November 14, 2025.

“We are pleased to report another quarter of strong financial performance,” said Hunter Westbrook, President and Chief Executive Officer. “Our quarterly earnings per share have grown 25% year-over-year, driven by a top quartile net interest margin of 4.31% and continued expense discipline. These results reflect the strength of our core banking model and focus on delivering consistent, high-quality growth. With a solid capital position and further improvement in the slope of the yield curve, we are well-positioned to accelerate loan growth in future quarters.

“This quarter marked the one-year anniversary of Hurricane Helene. The resilience shown by our employees, customers and communities has been truly inspiring. Their perseverance reinforces our long-term commitment to sustainable growth and meaningful impact in the markets we serve.”

About HomeTrust Bancshares, Inc.
HomeTrust Bancshares, Inc. (NYSE: HTB), headquartered in Asheville, North Carolina, is the holding company for HomeTrust Bank, a state-chartered community bank operating over 30 locations across North Carolina, South Carolina, East Tennessee, Southwest Virginia, and Georgia. With total assets of $4.6 billion as of September 30, 2025, the Company’s goal is to continue to be recognized as a high-performing, regional community bank, while our strategy to reach that goal is to be a best place to work. As a reflection of these efforts, the Company has been named one of Bank Director’s “Best U.S. Banks,” one of Forbes’ “America’s Best Banks”, one of S&P Global’s “Top 50 Community Banks”, and named to the 2025 KBW Honor Roll. In addition, the Company has been recognized as one of American Banker’s “Best Banks to Work For”, received a “Most Loved Workplace” certification by Best Practices Institute, named as one of Best Companies Group’s “America’s Best Workplaces”, as well as being named a “Best Place to Work” in all five states in which the Company operates.

Forward-Looking Statements
This press release includes “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are not statements of historical fact, but instead are based on certain assumptions including statements with respect to the Company’s beliefs, plans, objectives, goals, expectations, assumptions and statements about future economic performance and projections of financial items. These forward-looking statements are subject to known and unknown risks, uncertainties and other factors that could cause actual results to differ materially from the results anticipated or implied by forward-looking statements. The factors that could result in material differentiation include, but are not limited to, natural disasters, including the lingering effects of Hurricane Helene; expected revenues, cost savings, synergies and other benefits from merger and acquisition activities might not be realized to the extent anticipated, within the anticipated time frames, or at all, costs or difficulties relating to integration matters, including but not limited to customer and employee retention, might be greater than expected, and goodwill impairment charges might be incurred; increased competitive pressures among financial services companies; changes in the interest rate environment; changes in general economic conditions, both nationally and in our market areas; legislative and regulatory changes; and the effects of inflation, a potential recession, and other factors described in the Company’s latest Annual Report on Form 10-K and Quarterly Reports on Form 10-Q and other documents filed with or furnished to the Securities and Exchange Commission – which are available on the Company’s website at www.htb.com and on the SEC’s website at www.sec.gov. Any of the forward-looking statements that the Company makes in this press release or in the documents the Company files with or furnishes to the SEC are based upon management’s beliefs and assumptions at the time they are made and may turn out to be wrong because of inaccurate assumptions, the factors described above or other factors that management cannot foresee. The Company does not undertake, and specifically disclaims any obligation, to revise any forward-looking statements to reflect the occurrence of anticipated or unanticipated events or circumstances after the date of such statements.

Contact: C. Hunter Westbrook – President and Chief Executive Officer Tony J. VunCannon – Executive Vice President, Chief Financial Officer, Corporate Secretary and Treasurer 828-259-3939