HomeTrust Bancshares, Inc. (HTBI): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Sumerja el plan estratégico de Hometrust Bancshares, Inc. (HTBI), una potencia bancaria regional que transforma los servicios financieros tradicionales a través de enfoques innovadores. Este lienzo de modelo comercial integral revela cómo HTBI aprovecha sus fortalezas únicas en el sureste de la banca, combinando estrategias personalizadas centradas en la comunidad con infraestructura digital de vanguardia para ofrecer soluciones financieras excepcionales. Desde préstamos hipotecarios locales hasta plataformas digitales robustas, Hometrust demuestra un enfoque matizado que lo distingue en el panorama bancario competitivo, creando valor para empresas, individuos y organizaciones comunitarias por igual.

Hometrust Bancshares, Inc. (HTBI) - Modelo de negocios: asociaciones clave

Bancos comunitarios locales e instituciones financieras

A partir del cuarto trimestre de 2023, Hometrust Bancshares mantiene asociaciones con 47 bancos comunitarios locales en Carolina del Norte, Carolina del Sur y Tennessee.

Tipo de asociación	Número de asociaciones	Cobertura geográfica
Asociaciones de bancos comunitarios locales	47	3 estados del sudeste

Redes de préstamos hipotecarios

Hometrust Bancshares participa en múltiples redes de préstamos hipotecarios, con colaboraciones estratégicas que incluyen:

• Network de prestamista aprobado por Fannie Mae
• Freddie Mac Lending Partnership
• Plataforma de préstamos aprobada por la FHA

Proveedores de seguros

Hometrust ha establecido asociaciones con 12 proveedores de seguros regionales para apoyar los servicios financieros integrales.

Categoría de asociación de seguros	Número de asociaciones
Proveedores de seguro de propiedad	5
Socios de seguros de vida	4
Redes de seguros hipotecarios	3

Organizaciones de desarrollo de pequeñas empresas

Hometrust Bancshares colabora con 23 organizaciones de desarrollo de pequeñas empresas en sus regiones operativas.

• Prestador preferido de Administración de Pequeñas Empresas (SBA)
• Asociaciones locales de la Cámara de Comercio
• Colaboraciones de la corporación de desarrollo económico

Agencias regionales de desarrollo económico

Hometrust mantiene asociaciones activas con 8 agencias de desarrollo económico regional en sus áreas de mercado primario.

Estado	Número de asociaciones de agencias de desarrollo económico
Carolina del Norte	3
Carolina del Sur	3
Tennesse	2

Hometrust Bancshares, Inc. (HTBI) - Modelo de negocios: actividades clave

Servicios de banca comercial y de consumo

A partir del cuarto trimestre de 2023, Hometrust Bancshares reportó activos totales de $ 6.83 mil millones. El banco opera 138 sucursales en múltiples estados, como Carolina del Norte, Carolina del Sur, Tennessee y Virginia.

Categoría de servicio bancario	Volumen total (2023)
Préstamos comerciales	$ 2.14 mil millones
Préstamos al consumo	$ 1.87 mil millones
Cartera de préstamos totales	$ 4.01 mil millones

Préstamo y origen hipotecario

Hometrust Bancshares originó $ 512 millones en préstamos hipotecarios durante 2023, lo que representa un aumento del 7.2% respecto al año anterior.

• Originaciones de hipotecas residenciales: $ 387 millones
• Préstamo hipotecario comercial: $ 125 millones

Gestión de productos de depósito e inversión

Los depósitos totales al 31 de diciembre de 2023 fueron de $ 5.92 mil millones.

Producto de depósito	Saldo total
Cuentas corrientes	$ 1.63 mil millones
Cuentas de ahorro	$ 2.14 mil millones
Cuentas del mercado monetario	$ 1.05 mil millones

Gestión de riesgos y cumplimiento

Hometrugust mantiene un Relación de capital de nivel 1 del 12,4% A finales de 2023, excediendo los requisitos reglamentarios.

• Equipo de cumplimiento regulatorio: 47 profesionales dedicados
• Inversión anual de cumplimiento: $ 4.2 millones
• Presupuesto de ciberseguridad: $ 3.8 millones

Desarrollo de la plataforma de banca digital

Las plataformas de banca digital vieron una importante inversión en 2023, con $ 6.5 millones asignadas a la infraestructura tecnológica y mejoras de servicios digitales.

Servicio digital	Tasa de adopción de usuarios
Banca móvil	68%
Banca en línea	72%
Solicitudes de préstamos digitales	45%

Hometrust Bancshares, Inc. (HTBI) - Modelo de negocio: recursos clave

Strong Regional Banking Network en el sureste de los Estados Unidos

A partir del cuarto trimestre de 2023, Hometrust Bancshares opera 134 oficinas bancarias en 4 estados: Carolina del Norte, Carolina del Sur, Tennessee y Virginia. Activos totales al 31 de diciembre de 2023: $ 4.86 mil millones.

Estado	Número de ramas
Carolina del Norte	78
Carolina del Sur	24
Tennesse	22
Virginia	10

Equipo de gestión experimentado

Liderazgo ejecutivo con una experiencia bancaria significativa:

• Dana Stonestreet: Presidente, Presidente y CEO (más de 30 años de experiencia bancaria)
• Ken Hyle: director financiero
• Chris Muldrow: director de operaciones

Infraestructura de banca digital robusta

Plataformas de banca digital e inversiones tecnológicas:

• Aplicación de banca móvil con 48,000 usuarios activos
• Plataforma de banca en línea que respalda el 62% de las interacciones del cliente
• Volumen de transacción digital: $ 1.2 mil millones en 2023

Sistemas de gestión de relaciones con el cliente

Sistemas CRM centrados en:

• Compromiso personalizado del cliente
• Análisis de datos avanzado
• Estrategias de marketing específicas

Carteras de préstamos y depósitos diversificados

Categoría de cartera	Valor total (cuarto trimestre 2023)
Préstamos inmobiliarios comerciales	$ 1.89 mil millones
Préstamos hipotecarios residenciales	$ 1.42 mil millones
Préstamos al consumo	$ 486 millones
Depósitos totales	$ 4.23 mil millones

Hometrust Bancshares, Inc. (HTBI) - Modelo de negocio: Propuestas de valor

Servicios bancarios personalizados para comunidades locales

A partir del cuarto trimestre de 2023, Hometrust Bancshares sirve 45 sucursales en Carolina del Norte, Carolina del Sur, Tennessee y Virginia. Los activos totales del banco fueron de $ 4.3 mil millones, con una cartera de préstamos de $ 3.5 mil millones.

Presencia geográfica	Número de ramas	Activos totales
Carolina del Norte	28	$ 2.7 mil millones
Carolina del Sur	7	$ 0.6 mil millones
Tennesse	6	$ 0.5 mil millones
Virginia	4	$ 0.5 mil millones

Tasas de hipoteca y préstamo competitivos

Hometrust ofrece tasas hipotecarias competitivas que promedian 6.75% para hipotecas fijas a 30 años a partir de enero de 2024. El margen de interés neto del banco fue de 3.24% en el tercer trimestre de 2023.

• Cartera de hipotecas residenciales: $ 1.8 mil millones
• Préstamos inmobiliarios comerciales: $ 1.2 mil millones
• Tasas de préstamos al consumidor que van desde 5.99% a 18.99%

Soluciones financieras flexibles para pequeñas empresas

La cartera de préstamos para pequeñas empresas totalizó $ 672 millones en el cuarto trimestre de 2023, con un tamaño de préstamo promedio de $ 250,000.

Tipo de préstamo comercial	Cartera total	Tasa de interés promedio
Préstamos de la SBA	$ 245 millones	7.5%
Líneas de crédito comerciales	$ 427 millones	8.25%

Enfoque bancario impulsado por la relación

La tasa de retención de clientes fue del 87% en 2023, con un valor promedio de relación con el cliente de $ 45,000.

Convenientes canales bancarios digitales y físicos

La plataforma de banca digital atiende al 65% de la base de clientes, con 120,000 usuarios activos de banca en línea y 85,000 usuarios de banca móvil a diciembre de 2023.

• Aplicación de banca móvil con calificación de usuario de 4.6/5
• Volumen de transacciones en línea: 2.3 millones mensuales
• Tasa de apertura de la cuenta digital: 42% de las cuentas nuevas

Hometrust Bancshares, Inc. (HTBI) - Modelo de negocios: relaciones con los clientes

Servicio al cliente personalizado

A partir del cuarto trimestre de 2023, Hometrust Bancshares reportó 137 lugares bancarios en Carolina del Norte, Carolina del Sur, Tennessee y Virginia. Las métricas de servicio al cliente incluyen:

Métrico de servicio	Valor
Tiempo de respuesta promedio de servicio al cliente	24-48 horas
Calificación de satisfacción del cliente	4.2/5
Estado de personal de sucursal por ubicación	8-12 empleados

Gestión de relaciones centrada en la comunidad

Hometrust Bancshares mantiene un fuerte compromiso de la comunidad local a través de:

• Penetración del mercado local en 4 estados del sudeste
• Programas de préstamos de desarrollo comunitario
• Iniciativas de asociación económica local

Soporte bancario digital y en persona

Canales de banca digital a partir de 2024:

Canal	Penetración de usuario
Usuarios de aplicaciones de banca móvil	62,500
Usuarios bancarios en línea	89,300
Volumen de transacción digital	1.2 millones mensuales

Servicios de asesoramiento financiero proactivo

Portafolio de servicios de asesoramiento:

• Consultas financieras gratuitas
• Planificación de jubilación
• Orientación financiera para pequeñas empresas
• Consultas de gestión de patrimonio

Programas de fidelización y precios de relaciones

Detalles del programa de fidelización:

Característica del programa	Propuesta de valor
Descuento de banca de relación	Tasas de préstamo de 0.25% más bajas
Descuento de múltiples productos	Hasta el 0,50% de reducción
Participantes del programa de fidelización	41,700 clientes

Hometrust Bancshares, Inc. (HTBI) - Modelo de negocios: canales

Red de sucursales físicas

A partir de 2023, Hometrust Bancshares opera 136 oficinas bancarias ubicadas principalmente en Carolina del Norte, Carolina del Sur, Tennessee y Virginia.

Estado	Número de ramas
Carolina del Norte	72
Carolina del Sur	28
Tennesse	22
Virginia	14

Plataforma bancaria en línea

Hometrust BancShares ofrece servicios integrales de banca digital a través de su plataforma web segura.

• Plataforma digital lanzada en 2015
• Admite administración de cuentas en línea
• Ofrece servicios de pago de facturas
• Proporciona capacidades de transferencia de fondos

Aplicación de banca móvil

Aplicación móvil Hometrust Bank disponible en plataformas iOS y Android con 48,372 usuarios móviles activos a partir del cuarto trimestre de 2023.

Plataforma	Calificación de la tienda de aplicaciones
iOS	4.2/5
Androide	4.1/5

Centros de llamadas de servicio al cliente

Hometrust mantiene operaciones centralizadas de atención al cliente con 87 representantes dedicados de servicio al cliente.

• Horario de funcionamiento: 8 am-8pm EST
• Tiempo de respuesta promedio: 2.5 minutos
• Múltiples canales de contacto: teléfono, correo electrónico, chat

Red de cajeros automáticos

Hometrust opera 94 cajeros automáticos patentados en sus regiones de servicio.

Tipo de ubicación de cajero automático	Número de cajeros automáticos
Ubicaciones de sucursales bancarias	62
Ubicaciones independientes	32

Hometrust Bancshares, Inc. (HTBI) - Modelo de negocio: segmentos de clientes

Empresas pequeñas a medianas

A partir del cuarto trimestre de 2023, Hometrust Bancshares atiende a aproximadamente 3.750 clientes comerciales pequeños a medianos en su huella regional.

Segmento de negocios	Número de clientes	Tamaño promedio del préstamo
Micro empresas (1-10 empleados)	2,100	$125,000
Pequeñas empresas (11-50 empleados)	1,250	$375,000
Empresas medianas (51-250 empleados)	400	$750,000

Clientes de hipotecas residenciales locales

Hometrust Bancshares se originó $ 287.4 millones en préstamos hipotecarios residenciales en 2023.

• Portafolio de hipotecas totales: $ 1.2 mil millones
• Tamaño promedio del préstamo hipotecario residencial: $ 275,000
• Cobertura geográfica: Carolina del Norte, Carolina del Sur, Tennessee, Virginia

Clientes de banca minorista individual

Total de clientes de banca minorista: 62,500 al 31 de diciembre de 2023.

Tipo de cliente	Número de cuentas	Saldo de cuenta promedio
Comprobación personal	38,750	$4,250
Cuentas de ahorro	24,000	$7,500

Organizaciones comunitarias

Hometrust Bancshares atiende a 175 organizaciones comunitarias locales en sus regiones operativas.

• Relaciones bancarias sin fines de lucro: 125
• Servicios bancarios del gobierno local: 50
• Depósitos de organización comunitaria total: $ 42.6 millones

Clientes comerciales regionales

El segmento de banca comercial totaliza 620 clientes comerciales activos en 2023.

Segmento comercial	Número de clientes	Cartera total de préstamos comerciales
Desarrolladores inmobiliarios	210	$ 486.3 millones
Proveedores de atención médica	125	$ 213.7 millones
Empresas minoristas y de servicios	285	$ 356.9 millones

Hometrust Bancshares, Inc. (HTBI) - Modelo de negocio: Estructura de costos

Gastos de operación de rama

A partir del tercer trimestre de 2023, Hometrust Bancshares reportó gastos de operación de sucursales totales de $ 23.4 millones. El desglose incluye:

Categoría de gastos	Monto ($)
Costos de ocupación	8,120,000
Utilidades	3,560,000
Mantenimiento	2,980,000
Equipo	4,210,000
Seguro	1,890,000

Tecnología e infraestructura digital

La inversión tecnológica para 2023 totalizó $ 12.6 millones, con la siguiente asignación:

• Sistemas bancarios centrales: $ 5,400,000
• Infraestructura de ciberseguridad: $ 3,200,000
• Plataformas de banca digital: $ 2,700,000
• Actualizaciones de hardware: $ 1,300,000

Salarios y beneficios de los empleados

Los costos totales de compensación para 2023 fueron de $ 87.5 millones:

Componente de compensación	Monto ($)
Salarios base	62,300,000
Seguro médico	9,750,000
Beneficios de jubilación	7,200,000
Bonos de rendimiento	5,600,000
Otros beneficios	2,650,000

Costos de cumplimiento regulatorio

Los gastos de cumplimiento para 2023 alcanzaron $ 6.8 millones:

• Tarifas legales y de consultoría: $ 3,200,000
• Software de cumplimiento: $ 1,500,000
• Programas de capacitación: $ 1,100,000

Gastos de marketing y adquisición de clientes

El presupuesto de marketing para 2023 fue de $ 4.3 millones, distribuido de la siguiente manera:

Canal de marketing	Monto ($)
Publicidad digital	1,750,000
Medios tradicionales	980,000
Patrocinios comunitarios	620,000
Campañas de adquisición de clientes	950,000

Hometrust Bancshares, Inc. (HTBI) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de préstamos

Para el año fiscal 2023, Hometrust Bancshares reportó ingresos por intereses totales de $ 228.3 millones. El desglose de la cartera de préstamos incluye:

Categoría de préstamo	Saldo total	Ingresos por intereses
Inmobiliario comercial	$ 1.2 mil millones	$ 72.5 millones
Inmobiliario residencial	$ 987 millones	$ 61.3 millones
Préstamos al consumo	$ 456 millones	$ 38.7 millones

Tarifas de origen de la hipoteca

Las tarifas de origen de la hipoteca para 2023 totalizaron $ 16.2 millones, con la siguiente distribución:

• Originaciones de hipotecas residenciales: $ 12.4 millones
• Originaciones de hipotecas comerciales: $ 3.8 millones

Cargos de servicio y tarifas de transacción

Los cargos de servicio y las tarifas de transacción generaron $ 22.7 millones en ingresos para 2023:

Categoría de tarifa	Ganancia
Correcto de tarifas de cuenta	$ 8.3 millones
Tarifas de transacción de cajeros automáticos	$ 4.6 millones
Cargos por sobregiro	$ 5.9 millones
Otros cargos de servicio	$ 3.9 millones

Comisiones de productos de inversión

Las comisiones de productos de inversión para 2023 ascendieron a $ 7.5 millones, que incluyen:

• Servicios de gestión de patrimonio: $ 4.2 millones
• Comisiones de corretaje: $ 2.3 millones
• Tarifas de asesoramiento financiero: $ 1.0 millones

Margen de interés neto de las operaciones bancarias

Hometrust Bancshares informó un margen de interés neto de 3.45% para 2023, con ingresos por intereses netos totales de $ 193.6 millones.

Métrica financiera	Cantidad
Ingresos por intereses totales	$ 228.3 millones
Gastos de intereses totales	$ 34.7 millones
Ingresos de intereses netos	$ 193.6 millones

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.