HomeTrust Bancshares, Inc. (HTBI): Business Model Canvas

Tauchen Sie ein in die strategische Blaupause von HomeTrust Bancshares, Inc. (HTBI), einem regionalen Bankkonzern, der traditionelle Finanzdienstleistungen durch innovative Ansätze transformiert. Dieses umfassende Business Model Canvas zeigt, wie HTBI seine einzigartigen Stärken im südöstlichen Bankwesen nutzt und personalisierte, gemeinschaftsorientierte Strategien mit modernster digitaler Infrastruktur verbindet, um außergewöhnliche Finanzlösungen bereitzustellen. Von lokalen Hypothekendarlehen bis hin zu robusten digitalen Plattformen zeigt HomeTrust einen differenzierten Ansatz, der es in der wettbewerbsintensiven Bankenlandschaft hervorhebt und Mehrwert für Unternehmen, Privatpersonen und kommunale Organisationen gleichermaßen schafft.

HomeTrust Bancshares, Inc. (HTBI) – Geschäftsmodell: Wichtige Partnerschaften

Lokale Gemeinschaftsbanken und Finanzinstitute

Seit dem vierten Quartal 2023 unterhält HomeTrust Bancshares Partnerschaften mit 47 lokalen Gemeindebanken in North Carolina, South Carolina und Tennessee.

Partnerschaftstyp	Anzahl der Partnerschaften	Geografische Abdeckung
Lokale Community-Bank-Partnerschaften	47	3 südöstliche Staaten

Netzwerke für Hypothekendarlehen

HomeTrust Bancshares beteiligt sich an mehreren Netzwerken für Hypothekendarlehen, mit strategischen Kooperationen, darunter:

• Von Fannie Mae genehmigtes Kreditgebernetzwerk
• Freddie Mac-Kreditpartnerschaft
• Von der FHA zugelassene Kreditplattform

Versicherungsanbieter

HomeTrust hat Partnerschaften mit 12 regionalen Versicherungsanbietern geschlossen, um umfassende Finanzdienstleistungen zu unterstützen.

Kategorie Versicherungspartnerschaft	Anzahl der Partnerschaften
Anbieter von Sachversicherungen	5
Lebensversicherungspartner	4
Hypothekenversicherungsnetzwerke	3

Kleine Unternehmensentwicklungsorganisationen

HomeTrust Bancshares arbeitet mit 23 kleinen Unternehmensentwicklungsorganisationen in seinen Betriebsregionen zusammen.

• Bevorzugter Kreditgeber der Small Business Administration (SBA).
• Partnerschaften mit örtlichen Handelskammern
• Kooperationen mit Wirtschaftsförderungsunternehmen

Regionale Wirtschaftsentwicklungsagenturen

HomeTrust unterhält aktive Partnerschaften mit 8 regionalen Wirtschaftsentwicklungsagenturen in seinen Hauptmarktgebieten.

Staat	Anzahl der Partnerschaften mit Wirtschaftsförderungsagenturen
North Carolina	3
South Carolina	3
Tennessee	2

HomeTrust Bancshares, Inc. (HTBI) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Verbraucherbankdienstleistungen

Im vierten Quartal 2023 meldete HomeTrust Bancshares ein Gesamtvermögen von 6,83 Milliarden US-Dollar. Die Bank betreibt 138 Filialen in mehreren Bundesstaaten, darunter North Carolina, South Carolina, Tennessee und Virginia.

Kategorie Bankdienstleistungen	Gesamtvolumen (2023)
Gewerbliche Kredite	2,14 Milliarden US-Dollar
Verbraucherkredite	1,87 Milliarden US-Dollar
Gesamtkreditportfolio	4,01 Milliarden US-Dollar

Hypothekendarlehen und -vergabe

HomeTrust Bancshares hat im Jahr 2023 Hypothekendarlehen in Höhe von 512 Millionen US-Dollar aufgenommen, was einem Anstieg von 7,2 % gegenüber dem Vorjahr entspricht.

• Vergabe von Wohnhypotheken: 387 Millionen US-Dollar
• Gewerbliche Hypothekendarlehen: 125 Millionen US-Dollar

Einlagen- und Anlageproduktmanagement

Die Gesamteinlagen beliefen sich zum 31. Dezember 2023 auf 5,92 Milliarden US-Dollar.

Einzahlungsprodukt	Gesamtsaldo
Girokonten	1,63 Milliarden US-Dollar
Sparkonten	2,14 Milliarden US-Dollar
Geldmarktkonten	1,05 Milliarden US-Dollar

Risikomanagement und Compliance

HomeTrust unterhält eine Kernkapitalquote von 12,4 % ab Ende 2023 und übertrifft damit die regulatorischen Anforderungen.

• Team zur Einhaltung gesetzlicher Vorschriften: 47 engagierte Fachleute
• Jährliche Compliance-Investition: 4,2 Millionen US-Dollar
• Budget für Cybersicherheit: 3,8 Millionen US-Dollar

Entwicklung einer digitalen Banking-Plattform

In digitale Banking-Plattformen wurden im Jahr 2023 erhebliche Investitionen getätigt, wobei 6,5 Millionen US-Dollar für die technologische Infrastruktur und die Verbesserung digitaler Dienste bereitgestellt wurden.

Digitaler Service	Benutzerakzeptanzrate
Mobiles Banking	68%
Online-Banking	72%
Digitale Kreditanträge	45%

HomeTrust Bancshares, Inc. (HTBI) – Geschäftsmodell: Schlüsselressourcen

Starkes regionales Bankennetzwerk im Südosten der USA

Im vierten Quartal 2023 betreibt HomeTrust Bancshares 134 Bankbüros in vier Bundesstaaten: North Carolina, South Carolina, Tennessee und Virginia. Gesamtvermögen zum 31. Dezember 2023: 4,86 ​​Milliarden US-Dollar.

Staat	Anzahl der Filialen
North Carolina	78
South Carolina	24
Tennessee	22
Virginia	10

Erfahrenes Management-Team

Führungspersönlichkeit mit umfangreicher Bankerfahrung:

• Dana Stonestreet: Vorsitzende, Präsidentin und CEO (über 30 Jahre Bankerfahrung)
• Ken Hyle: Finanzvorstand
• Chris Muldrow: Chief Operating Officer

Robuste digitale Banking-Infrastruktur

Digitale Bankplattformen und Technologieinvestitionen:

• Mobile-Banking-App mit 48.000 aktiven Nutzern
• Online-Banking-Plattform, die 62 % der Kundeninteraktionen unterstützt
• Digitales Transaktionsvolumen: 1,2 Milliarden US-Dollar im Jahr 2023

Kundenbeziehungsmanagementsysteme

CRM-Systeme mit Schwerpunkt auf:

• Personalisierte Kundenbindung
• Erweiterte Datenanalyse
• Gezielte Marketingstrategien

Diversifizierte Kredit- und Einlagenportfolios

Portfolio-Kategorie	Gesamtwert (Q4 2023)
Gewerbliche Immobilienkredite	1,89 Milliarden US-Dollar
Hypothekendarlehen für Wohnimmobilien	1,42 Milliarden US-Dollar
Verbraucherkredite	486 Millionen US-Dollar
Gesamteinlagen	4,23 Milliarden US-Dollar

HomeTrust Bancshares, Inc. (HTBI) – Geschäftsmodell: Wertversprechen

Personalisierte Bankdienstleistungen für lokale Gemeinschaften

Im vierten Quartal 2023 bedient HomeTrust Bancshares 45 Filialen in North Carolina, South Carolina, Tennessee und Virginia. Die Gesamtaktiva der Bank beliefen sich auf 4,3 Milliarden US-Dollar, das Kreditportfolio belief sich auf 3,5 Milliarden US-Dollar.

Geografische Präsenz	Anzahl der Filialen	Gesamtvermögen
North Carolina	28	2,7 Milliarden US-Dollar
South Carolina	7	0,6 Milliarden US-Dollar
Tennessee	6	0,5 Milliarden US-Dollar
Virginia	4	0,5 Milliarden US-Dollar

Wettbewerbsfähige Hypotheken- und Kreditzinsen

HomeTrust bietet ab Januar 2024 wettbewerbsfähige Hypothekenzinsen von durchschnittlich 6,75 % für 30-jährige Festhypotheken. Die Nettozinsspanne der Bank betrug im dritten Quartal 2023 3,24 %.

• Wohnhypothekenportfolio: 1,8 Milliarden US-Dollar
• Gewerbliche Immobilienkredite: 1,2 Milliarden US-Dollar
• Verbraucherkreditzinsen zwischen 5,99 % und 18,99 %

Flexible Finanzlösungen für kleine Unternehmen

Das Kreditportfolio für Kleinunternehmen belief sich im vierten Quartal 2023 auf insgesamt 672 Millionen US-Dollar, mit einem durchschnittlichen Kreditvolumen von 250.000 US-Dollar.

Art des Geschäftskredits	Gesamtportfolio	Durchschnittlicher Zinssatz
SBA-Darlehen	245 Millionen Dollar	7.5%
Kommerzielle Kreditlinien	427 Millionen US-Dollar	8.25%

Beziehungsorientierter Banking-Ansatz

Die Kundenbindungsrate lag im Jahr 2023 bei 87 %, mit einem durchschnittlichen Kundenbeziehungswert von 45.000 US-Dollar.

Bequeme digitale und physische Bankkanäle

Die digitale Banking-Plattform bedient 65 % des Kundenstamms mit 120.000 aktiven Online-Banking-Nutzern und 85.000 Mobile-Banking-Nutzern (Stand Dezember 2023).

• Mobile-Banking-App mit einer Benutzerbewertung von 4,6/5
• Online-Transaktionsvolumen: 2,3 Millionen monatlich
• Eröffnungsrate digitaler Konten: 42 % der Neukonten

HomeTrust Bancshares, Inc. (HTBI) – Geschäftsmodell: Kundenbeziehungen

Persönlicher Kundenservice

Im vierten Quartal 2023 meldete HomeTrust Bancshares 137 Bankstandorte in North Carolina, South Carolina, Tennessee und Virginia. Zu den Kundendienstkennzahlen gehören:

Servicemetrik	Wert
Durchschnittliche Reaktionszeit des Kundendienstes	24-48 Stunden
Bewertung der Kundenzufriedenheit	4.2/5
Filialmitarbeiter pro Standort	8-12 Mitarbeiter

Community-orientiertes Beziehungsmanagement

HomeTrust Bancshares pflegt ein starkes Engagement in der lokalen Gemeinschaft durch:

• Lokale Marktdurchdringung in 4 südöstlichen Bundesstaaten
• Darlehensprogramme für die Gemeindeentwicklung
• Lokale Wirtschaftspartnerschaftsinitiativen

Digitale und persönliche Bankunterstützung

Digitale Bankkanäle ab 2024:

Kanal	Benutzerdurchdringung
Benutzer der Mobile-Banking-App	62,500
Online-Banking-Benutzer	89,300
Digitales Transaktionsvolumen	1,2 Millionen monatlich

Proaktive Finanzberatungsdienste

Beratungsportfolio:

• Kostenlose Finanzberatung
• Ruhestandsplanung
• Finanzielle Beratung für Kleinunternehmen
• Beratungen zur Vermögensverwaltung

Treueprogramme und Beziehungspreise

Details zum Treueprogramm:

Programmfunktion	Wertversprechen
Relationship-Banking-Rabatt	0,25 % niedrigere Kreditzinsen
Rabatt auf mehrere Produkte	Bis zu 0,50 % Ermäßigung
Teilnehmer des Treueprogramms	41.700 Kunden

HomeTrust Bancshares, Inc. (HTBI) – Geschäftsmodell: Kanäle

Physisches Filialnetz

Ab 2023 betreibt HomeTrust Bancshares 136 Bankfilialen, hauptsächlich in North Carolina, South Carolina, Tennessee und Virginia.

Staat	Anzahl der Filialen
North Carolina	72
South Carolina	28
Tennessee	22
Virginia	14

Online-Banking-Plattform

HomeTrust Bancshares bietet über seine sichere Webplattform umfassende digitale Bankdienstleistungen.

• Digitale Plattform im Jahr 2015 gestartet
• Unterstützt die Online-Kontoverwaltung
• Bietet Rechnungszahlungsdienste an
• Bietet Möglichkeiten für den Geldtransfer

Mobile-Banking-Anwendung

Die mobile Anwendung der HomeTrust Bank ist auf iOS- und Android-Plattformen mit 48.372 aktiven mobilen Nutzern im vierten Quartal 2023 verfügbar.

Plattform	App Store-Bewertung
iOS	4.2/5
Android	4.1/5

Kundendienst-Callcenter

HomeTrust unterhält einen zentralisierten Kundensupport mit 87 engagierten Kundendienstmitarbeitern.

• Betriebszeiten: 8:00–20:00 Uhr EST
• Durchschnittliche Antwortzeit: 2,5 Minuten
• Mehrere Kontaktkanäle: Telefon, E-Mail, Chat

ATM-Netzwerk

HomeTrust betreibt in seinen Serviceregionen 94 eigene Geldautomaten.

Typ des Geldautomatenstandorts	Anzahl Geldautomaten
Standorte der Bankfilialen	62
Eigenständige Standorte	32

HomeTrust Bancshares, Inc. (HTBI) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen

Im vierten Quartal 2023 betreut HomeTrust Bancshares in seiner regionalen Präsenz rund 3.750 kleine und mittlere Geschäftskunden.

Geschäftssegment	Anzahl der Kunden	Durchschnittliche Kredithöhe
Kleinstunternehmen (1-10 Mitarbeiter)	2,100	$125,000
Kleine Unternehmen (11-50 Mitarbeiter)	1,250	$375,000
Mittelständische Unternehmen (51-250 Mitarbeiter)	400	$750,000

Lokale Wohnhypothekenkunden

HomeTrust Bancshares hat im Jahr 2023 Wohnhypothekendarlehen in Höhe von 287,4 Millionen US-Dollar aufgenommen.

• Gesamthypothekenportfolio: 1,2 Milliarden US-Dollar
• Durchschnittliche Höhe eines Hypothekendarlehens für Wohnimmobilien: 275.000 USD
• Geografische Abdeckung: North Carolina, South Carolina, Tennessee, Virginia

Privatkunden im Privatkundengeschäft

Gesamtzahl der Retail-Banking-Kunden: 62.500 zum 31. Dezember 2023.

Kundentyp	Anzahl der Konten	Durchschnittlicher Kontostand
Persönliche Überprüfung	38,750	$4,250
Sparkonten	24,000	$7,500

Gemeinschaftsorganisationen

HomeTrust Bancshares betreut 175 lokale Gemeinschaftsorganisationen in seinen Betriebsregionen.

• Gemeinnützige Bankbeziehungen: 125
• Bankdienstleistungen der Kommunalverwaltung: 50
• Gesamteinzahlungen der Gemeinschaftsorganisationen: 42,6 Millionen US-Dollar

Regionale Gewerbekunden

Das Geschäftsbanksegment umfasst im Jahr 2023 620 aktive Geschäftskunden.

Kommerzielles Segment	Anzahl der Kunden	Gesamtportfolio an gewerblichen Krediten
Immobilienentwickler	210	486,3 Millionen US-Dollar
Gesundheitsdienstleister	125	213,7 Millionen US-Dollar
Einzelhandels- und Dienstleistungsunternehmen	285	356,9 Millionen US-Dollar

HomeTrust Bancshares, Inc. (HTBI) – Geschäftsmodell: Kostenstruktur

Betriebskosten der Filiale

Im dritten Quartal 2023 meldete HomeTrust Bancshares Gesamtkosten für den Filialbetrieb in Höhe von 23,4 Millionen US-Dollar. Die Aufschlüsselung umfasst:

Ausgabenkategorie	Betrag ($)
Belegungskosten	8,120,000
Dienstprogramme	3,560,000
Wartung	2,980,000
Ausrüstung	4,210,000
Versicherung	1,890,000

Technologie und digitale Infrastruktur

Die Technologieinvestitionen für 2023 beliefen sich auf insgesamt 12,6 Millionen US-Dollar mit folgender Zuteilung:

• Kernbankensysteme: 5.400.000 US-Dollar
• Cybersicherheitsinfrastruktur: 3.200.000 US-Dollar
• Digitale Banking-Plattformen: 2.700.000 US-Dollar
• Hardware-Upgrades: 1.300.000 $

Gehälter und Leistungen der Mitarbeiter

Die gesamten Vergütungskosten für 2023 beliefen sich auf 87,5 Millionen US-Dollar:

Vergütungskomponente	Betrag ($)
Grundgehälter	62,300,000
Krankenversicherung	9,750,000
Altersvorsorgeleistungen	7,200,000
Leistungsprämien	5,600,000
Weitere Vorteile	2,650,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Compliance-Aufwendungen für 2023 beliefen sich auf 6,8 Millionen US-Dollar:

• Rechts- und Beratungskosten: 3.200.000 $
• Compliance-Software: 1.500.000 US-Dollar
• Schulungsprogramme: 1.100.000 $

Aufwendungen für Marketing und Kundenakquise

Das Marketingbudget für 2023 betrug 4,3 Millionen US-Dollar und verteilte sich wie folgt:

Marketingkanal	Betrag ($)
Digitale Werbung	1,750,000
Traditionelle Medien	980,000
Gemeinschaftspatenschaften	620,000
Kampagnen zur Kundengewinnung	950,000

HomeTrust Bancshares, Inc. (HTBI) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Darlehen

Für das Geschäftsjahr 2023 meldete HomeTrust Bancshares einen Gesamtzinsertrag von 228,3 Millionen US-Dollar. Die Aufschlüsselung des Kreditportfolios umfasst:

Kreditkategorie	Gesamtsaldo	Zinserträge
Gewerbeimmobilien	1,2 Milliarden US-Dollar	72,5 Millionen US-Dollar
Wohnimmobilien	987 Millionen US-Dollar	61,3 Millionen US-Dollar
Verbraucherkredite	456 Millionen US-Dollar	38,7 Millionen US-Dollar

Gebühren für die Vergabe von Hypotheken

Die Hypothekenvergabegebühren beliefen sich im Jahr 2023 auf insgesamt 16,2 Millionen US-Dollar, mit folgender Verteilung:

• Vergabe von Wohnhypotheken: 12,4 Millionen US-Dollar
• Vergabe gewerblicher Hypotheken: 3,8 Millionen US-Dollar

Servicegebühren und Transaktionsgebühren

Servicegebühren und Transaktionsgebühren generierten im Jahr 2023 einen Umsatz von 22,7 Millionen US-Dollar:

Gebührenkategorie	Einnahmen
Girokontogebühren	8,3 Millionen US-Dollar
Gebühren für Geldautomatentransaktionen	4,6 Millionen US-Dollar
Überziehungsgebühren	5,9 Millionen US-Dollar
Sonstige Servicegebühren	3,9 Millionen US-Dollar

Provisionen für Anlageprodukte

Die Provisionen für Anlageprodukte beliefen sich im Jahr 2023 auf 7,5 Millionen US-Dollar, darunter:

• Vermögensverwaltungsdienstleistungen: 4,2 Millionen US-Dollar
• Maklerprovisionen: 2,3 Millionen US-Dollar
• Finanzberatungsgebühren: 1,0 Millionen US-Dollar

Nettozinsspanne aus dem Bankgeschäft

HomeTrust Bancshares meldete für 2023 eine Nettozinsspanne von 3,45 % mit einem Gesamtnettozinsertrag von 193,6 Millionen US-Dollar.

Finanzkennzahl	Betrag
Gesamter Zinsertrag	228,3 Millionen US-Dollar
Gesamtzinsaufwand	34,7 Millionen US-Dollar
Nettozinsertrag	193,6 Millionen US-Dollar

HomeTrust Bancshares, Inc. (HTBI) - Canvas Business Model: Value Propositions

You're looking at the core reasons why customers choose HomeTrust Bancshares, Inc. over larger, less personal institutions. The value HomeTrust Bancshares, Inc. offers centers on a high-touch, community-oriented banking experience, supported by solid financial footing as of late 2025.

Value-added relationship banking and personalized solutions is a key pillar. HomeTrust Bank is a community-focused financial institution committed to providing this value added relationship banking through talented, service-focused people. This approach translates into tailored advice and quicker service because decisions are made locally, not miles away. The company's focus on being a best place to work, evidenced by national workplace awards in 2025, is intended to directly support this service quality.

For core banking needs, HomeTrust Bancshares, Inc. offers a comprehensive suite of deposit products, including checking, savings, and Certificates of Deposit (CDs). While specific deposit category breakdowns aren't public in the latest reports, the overall health of the balance sheet supports these offerings. For instance, the net interest margin for the third quarter ended September 30, 2025, stood at 4.31%, reflecting success in managing funding costs relative to asset yields. The total assets of HomeTrust Bancshares, Inc. were $4.6 billion as of September 30, 2025, providing the scale necessary to support these essential banking services across its footprint.

On the business side, the bank provides specialized commercial banking services like treasury management. The loan portfolio supports this, being divided into retail consumer loans and commercial loans, each further categorized into four classes. This dual focus allows HomeTrust Bancshares, Inc. to serve both individual and business clients with specialized products.

The identity as a community-focused financial institution with local decision-making is central. HomeTrust Bank operates over 30 locations across North Carolina, South Carolina, East Tennessee, Southwest Virginia, and Georgia. The structure includes seven operating divisions, such as Cherryville Federal Bank, Home Savings Bank of Eden, and Industrial Federal Bank of Lexington, which reinforces the local presence. This structure is supported by the holding company's wholly owned subsidiary, Western North Carolina Service Corporation (WNCSC), which owns office buildings leased to the Bank and other tenants in Asheville and Hendersonville, North Carolina.

HomeTrust Bancshares, Inc. also extends its value proposition to include wealth management and financial planning services, ensuring clients can manage their assets holistically within the HomeTrust ecosystem. This comprehensive offering helps retain clients as their financial needs evolve.

Here's a quick look at the financial performance underpinning these value propositions for the nine months ended September 30, 2025:

Metric	Value (Nine Months Ended 9/30/2025)
Net Income	$48.2 million
Diluted Earnings Per Share (EPS)	$2.79
Annualized Return on Assets (ROA) (Q3 2025)	1.48%
Annualized Return on Equity (ROE) (Q3 2025)	11.10%
Declared Quarterly Cash Dividend	$0.13 per common share

The commitment to shareholders, which reflects confidence in the business model, is seen in the recent dividend action. The Board declared a quarterly cash dividend of $0.13 per common share, which was an 8.3% increase over the previous quarter's dividend. This is the seventh increase since dividends started in November 2018. The underlying earnings power is clear when you see the nine-month net income of $48.2 million, up from $40.6 million the prior year.

The strategic refinement of the footprint also supports value delivery by focusing resources:

• Transitioned common stock listing to the New York Stock Exchange under the ticker 'HTB' for greater exposure.
• Announced the sale of two branches and exit from Knoxville, Tennessee, to tighten geographic footprint and improve efficiencies.
• Maintained a conservative approach to risk management, which is key to long-term stability.

Finance: draft 13-week cash view by Friday.

HomeTrust Bancshares, Inc. (HTBI) - Canvas Business Model: Customer Relationships

You're running a regional community bank, so your customer relationships are everything; it's how you compete against the giants.

High-touch, relationship-based service model

HomeTrust Bancshares, Inc. grounds its service in a value-added relationship banking approach, which is critical for retaining the $4.6 billion in total assets reported as of March 31, 2025. The bank prides itself on its talented, service-focused people to deliver this relationship banking. This focus supports the financial performance seen in the first quarter of 2025, where net income reached $14.5 million and the annualized Return on Equity (ROE) stood at 10.52%. The commitment to people is also reflected in the company's recognition, including being named one of American Banker's "Best Banks to Work For" and receiving a "Most Loved Workplace" certification.

Here are some key financial results that reflect the stability supporting these relationships as of the first quarter of 2025:

Metric	Value (Q1 2025)
Total Assets	$4.6 billion
Net Income	$14.5 million
Diluted EPS	$0.84
Annualized ROA	1.33%
Net Interest Margin	4.18%

Dedicated commercial banking group executives

For business clients, HomeTrust Bancshares, Inc. relies on dedicated leadership to craft solutions for growing needs in commercial and small business banking. The structure includes a dedicated Commercial Banking Group Executive, with John Sprink, Executive Vice President, holding that role. These teams focus on serving the credit, depository, and treasury management needs of commercial businesses and real estate developers. The performance of these divisions is tied to executive incentives; for instance, John F. Sprink II's 2025 targeted incentive award opportunity was partially weighted by division profitability.

• Executive Vice President, Commercial Banking Group Executive: John Sprink.
• Incentive plan weighting for this role included division profitability at 50%.
• The bank's success depends on the relationship management skills of its bankers.

Self-service options via online and mobile banking platforms

While the bank emphasizes personal service, it definitely supports self-service through digital channels. HomeTrust Bank offers cash management and online/mobile banking services to its customers. As of early 2025, the bank maintains over 30 physical locations alongside these digital channels. Nationally, the trend shows that digital banking is the preferred method for 77% of consumers, with mobile being 2.5 times more popular than online web banking. To stay current in this environment, HomeTrust Bancshares, Inc. must keep pace with rapid technological changes.

• Digital banking is the preferred method for 77% of U.S. consumers.
• 64% of U.S. adults prefer mobile banking over web-based online banking.
• The bank offers features like mobile check deposit and account transfers.

Community involvement and local market presence

HomeTrust Bank is a community-focused financial institution. Its operational footprint spans North Carolina, South Carolina, East Tennessee, Southwest Virginia, and Georgia, including the Greater Atlanta area. The bank's commitment to its communities is a core value, reflected in its focus on being a "best place to work" across all five operating states. This local presence is a key differentiator, as the company's success is tied to the reputation and relationship skills of its local bankers. The company has also made public statements aligning with its Culture Fundamental #7: Embrace Diverse Perspectives, showing support for the diverse communities it serves.

The bank's geographic reach supports its regional community focus:

State/Region	Presence Detail
North Carolina	Asheville metropolitan area, Piedmont region, Charlotte, Raleigh/Cary
South Carolina	Greenville and Charleston
East Tennessee	Kingsport/Johnson City, Knoxville, Morristown
Southwest Virginia	Roanoke Valley
Georgia	Greater Atlanta

Finance: draft 13-week cash view by Friday.

HomeTrust Bancshares, Inc. (HTBI) - Canvas Business Model: Channels

You're looking at how HomeTrust Bancshares, Inc. gets its value proposition to its customers as of late 2025. It's a mix of traditional brick-and-mortar presence and modern digital tools, which makes sense for a regional community bank.

The physical network remains a core channel. As of March 31, 2025, HomeTrust Bank maintained a physical presence with over 30 locations across five states, supporting its community-focused approach. These locations span:

• North Carolina (Asheville metropolitan area, 'Piedmont' region, Charlotte, and Raleigh/Cary)
• South Carolina (Greenville and Charleston)
• East Tennessee (Kingsport/Johnson City, Knoxville, and Morristown)
• Southwest Virginia (Roanoke Valley)
• Georgia (Greater Atlanta)

It's worth noting that as of January 28, 2025, the company announced an agreement to sell its two branches in Knoxville, Tennessee, with closing anticipated in the second quarter of 2025, which would adjust the location count downward from prior reports.

The digital channels are essential for modern banking convenience. HomeTrust Bancshares, Inc. provides online/mobile banking services for both retail and business clients, including Business Online Banking and Business Mobile Banking. This aligns with the broader 2025 trend where 77 percent of consumers prefer to manage their bank accounts through a mobile app or a computer.

For business clients, specific technology-enabled channels support transactions. The bank explicitly offers Mobile Deposit, which serves as a form of remote deposit capture. The commercial relationship side relies on direct human interaction, utilizing commercial loan officers and dedicated market presidents whose teams are located in bank offices throughout North Carolina, South Carolina, East Tennessee, and Virginia to craft tailored financial solutions.

Here's a snapshot of the financial scale supporting these channels as of the first quarter of 2025:

Metric	Value as of March 31, 2025	Value as of December 31, 2024
Total Assets	$4.6 billion	Not explicitly stated for this date, but $4.6 billion as of Sept 30, 2024
Net Income (Q1 2025 vs Q4 2024)	$14.5 million vs $14.2 million	$14.2 million
Annualized Return on Assets (ROA)	1.33%	1.27%
Net Interest Margin (NIM)	4.18%	4.09%
Quarterly Cash Dividend per Share	$0.12	$0.12

The commercial lending teams focus on Commercial Real Estate Loans and Commercial & Industrial Financing, servicing middle market and emerging growth companies across various industries.

HomeTrust Bancshares, Inc. (HTBI) - Canvas Business Model: Customer Segments

You're looking at the core clientele HomeTrust Bancshares, Inc. serves as of late 2025, which is heavily rooted in the relationship banking model across its footprint. The bank's total assets stood at $4.6 billion as of September 30, 2025, supporting these distinct groups.

The business clearly targets commercial clients, particularly small to medium-sized businesses (SMBs), through its lending activities. HomeTrust Bancshares, Inc. reports that its principal business includes attracting deposits and investing those funds into various loans, including commercial and industrial loans, and originating SBA loans to sell to third-parties. This focus on commercial lending is evident in the loan composition data from the third quarter of 2025.

Portfolio Metric	Amount (as of Sep 30, 2025)
Total Assets	$4.6 billion
Total Loans	$3,643.6 million
Commercial & Industrial Loans	$399.2 million

The loan mix is actively shifting toward Commercial & Industrial (C&I) and Home Equity Lines of Credit (HELOCs), which speaks directly to serving both business and established retail customers. For instance, C&I loans grew to $399.2 million by September 30, 2025, up from $316.2 million at the end of 2024. Underlying SBA and residential loan gains showed improvement quarter-over-quarter in Q3 2025, suggesting continued activity in those segments.

Retail customers form the base for deposit gathering and personal lending. HomeTrust Bancshares, Inc. offers a variety of deposit accounts for individuals, businesses, and nonprofit organizations. While specific retail customer counts aren't public, the bank's strategy involves providing 1-4 family residential real estate loans and HELOCs to this group. The bank's overall stability, reflected in a top-quartile Net Interest Margin of 4.31% for Q3 2025, helps it remain competitive for these deposit-heavy relationships.

For high-net-worth individuals, the business model supports wealth management services, though specific Assets Under Management (AUM) figures aren't detailed in the latest reports. The bank's overall structure, which includes offering investments in debt securities like municipal bonds and corporate paper, provides a framework for managing more complex client assets.

The geographic focus is intentionally concentrated, which helps HomeTrust Bancshares, Inc. maintain its community-focused identity. You see this focus across specific states:

• North Carolina (NC), including the Asheville metropolitan area, the "Piedmont" region, Charlotte, and Raleigh/Cary.
• South Carolina (SC), specifically Upstate South Carolina (Greenville).
• East Tennessee (TN), including Kingsport/Johnson City, Knoxville, and Morristown.
• Southwest Virginia (VA), covering the Roanoke Valley.
• Georgia (GA), centered in Greater Atlanta.

The bank operates with over 30 locations across these states as of September 30, 2025, though it has been consolidating secondary branches to reallocate resources toward digital channels. Finance: review the Q4 2025 deposit growth rate by state by next Tuesday.

HomeTrust Bancshares, Inc. (HTBI) - Canvas Business Model: Cost Structure

You're looking at the expenses that drive the engine of HomeTrust Bancshares, Inc. (HTBI) as of late 2025. For a bank, the cost structure is dominated by what it pays for its money and what it spends to run its operations and manage risk.

The single largest component, the primary cost, is the interest expense on deposits and borrowings, which is the cost of funding the bank's assets. While the exact total dollar amount for the nine months ended September 30, 2025, isn't explicitly detailed in the latest releases, we know the management is focused on this area; for instance, in the first quarter of 2025, the CEO noted that a key driver of margin improvement was the reduction in funding costs. This suggests that managing the cost of deposits and wholesale funding remains a top priority for controlling this major expense line.

Next up are the people costs. You'll see significant personnel and compensation expenses, which cover salaries, benefits, and, importantly, executive incentive plans designed to align management with shareholder returns. These costs are a fixed component of running a relationship-focused community bank.

Then there are the day-to-day running costs. HomeTrust Bancshares, Inc. maintains its physical presence and digital backbone through substantial operating expenses for maintaining over 30 branches and the necessary technology infrastructure. As of September 30, 2025, the bank operated through over 30 locations across North Carolina, South Carolina, East Tennessee, Southwest Virginia, and Georgia. Management has shown a willingness to adjust this cost base, as evidenced by the announced consolidation of six secondary branches to reduce operating expenses by approximately $1.2 million annually, reflecting a shift toward digital preferences.

Risk management translates directly into a line item expense: the provision for credit losses. For the nine months ended September 30, 2025, this expense was reported as $4.9 million. This compares favorably to the $8.4 million provision recorded for the same period in 2024, indicating an improvement in the perceived credit quality of the loan portfolio or a release of reserves.

Finally, there are the mandatory overheads associated with being a regulated financial institution. This includes costs for regulatory compliance, which can be substantial given the environment, and deposit insurance premiums paid to the Federal Deposit Insurance Corporation (FDIC).

Here's a quick look at the concrete financial data points we have for the nine months ended September 30, 2025, compared to the prior year, focusing on the explicitly quantifiable costs:

Cost Component	Nine Months Ended September 30, 2025 Amount	Nine Months Ended September 30, 2024 Amount
Provision for Credit Losses	$4.9 million	$8.4 million
Cash Dividends Paid (Shareholder Return Cost)	$6.2 million ($0.36 per share)	$5.6 million ($0.33 per share)
Branch Footprint (Approximate)	Over 30 locations (as of 9/30/2025)	Data not directly comparable due to branch sale/consolidation efforts

The components that make up the broader noninterest expense-the fixed costs outside of funding-generally include:

• Salaries and employee benefits (Personnel/Compensation)
• Net occupancy expense (Branch maintenance)
• Computer services (Technology infrastructure)
• Deposit insurance premiums (FDIC)
• Marketing and advertising
• Other general and administrative costs

To be fair, without the full income statement breakdown for the nine months, we can only infer the magnitude of personnel and operating costs relative to the known provision expense. Finance: draft 13-week cash view by Friday.

HomeTrust Bancshares, Inc. (HTBI) - Canvas Business Model: Revenue Streams

The revenue streams for HomeTrust Bancshares, Inc. (HTBI) are fundamentally rooted in traditional banking activities, primarily driven by the spread between interest earned on assets and interest paid on liabilities. This core function is supported by various fee-based services.

The primary driver is Net Interest Income (NII) generated from the loan portfolio and securities holdings. For the nine months ended September 30, 2025, HomeTrust Bancshares, Inc. maintained a 4.27% net interest margin, reflecting strong management of its interest-earning assets relative to its funding costs. For the quarter ended September 30, 2025, Net Interest Income was reported at $45.39 million.

The overall top-line performance for the quarter ended September 30, 2025, was reported at $52.13 million in total revenue. This revenue is composed of the NII and non-interest income components, which include service charges, fees, and wealth management activities.

Key components of the revenue structure include:

• Net Interest Income from loans and securities, supported by a 4.27% net interest margin for the nine months ended September 30, 2025.
• Non-interest income derived from service charges and various fees.
• Income generated from wealth management services.
• Fees associated with loan origination, with a noted emphasis on SBA lending activities.

One-time or non-recurring revenue events also impact the figures. For instance, the second quarter of 2025 included a significant, non-repeating event: a gain on the sale of branches. HomeTrust Bancshares, Inc. recognized a $1.4 million gain on the sale of its two Knoxville, Tennessee branches, which closed on May 23, 2025. This gain positively impacted the second quarter of 2025 results, and its absence contributed to a decrease in non-interest income in the third quarter of 2025 compared to the prior quarter.

Here is a breakdown of key revenue metrics for the relevant periods:

Metric	Value for Quarter Ended September 30, 2025	Value for Nine Months Ended September 30, 2025
Total Revenue	$52.13 million (Alternative reported total revenue: $54.14M)	Not explicitly stated
Net Interest Income (NII)	$45.39 million	Not explicitly stated
Net Interest Margin (NIM)	4.31% for the quarter	4.27%
Gain on Sale of Knoxville Branches	$0	$1.4 million

The non-interest income stream, which captures fees, saw a sequential decline in the third quarter of 2025, partly due to the non-recurrence of the $1.4 million branch sale gain recognized in the second quarter. Loan origination fees, particularly from specialized areas like SBA lending, contribute to this non-interest income bucket, supporting the overall fee-based revenue generation for HomeTrust Bancshares, Inc.