HTB

HomeTrust Bancshares, Inc. operates as the bank holding company for HomeTrust Bank, a community-focused financial institution serving customers across the southeastern United States. Headquartered in Asheville, North Carolina, the company provides traditional banking services including residential and commercial real estate lending, consumer loans, and deposit products through approximately 40 branch locations spanning North Carolina, South Carolina, Tennessee, Virginia, and Georgia. HomeTrust Bank specializes in relationship-based banking with particular strength in single-family mortgage lending, commercial real estate financing, and small business lending. The company maintains total assets of approximately $4.5 billion and employs around 600 people. HomeTrust distinguishes itself through its community bank model while leveraging technology to enhance customer experience and operational efficiency. The bank's loan portfolio consists primarily of real estate-secured loans, with single-family residential mortgages and commercial real estate loans representing significant concentrations. Recent strategic initiatives include digital banking enhancements, selective branch optimization, and measured balance sheet growth focused on relationship-driven opportunities. The company operates with a conservative credit culture and maintains a strong capital position. HomeTrust's deposit base includes checking accounts, savings accounts, money market accounts, and certificates of deposit, serving both retail and commercial customers throughout its southeastern footprint.