HomeTrust Bancshares (HTB) Q2 2026 earnings summary

Executive summary

• Net income for Q2 2026 was $15.6 million ($0.94 per diluted share), down from $16.8 million in Q1 2026; six-month net income was $32.4 million, up from $31.7 million year-over-year.

• Achieved double-digit growth in tangible book value per share, with a 10.2% CAGR over the last 24 months and adjusted TBV per share up 10.4% CAGR, excluding stock buybacks.

• Annualized ROA for Q2 2026 was 1.46% and ROE was 10.44%; for the six months, ROA was 1.51% and ROE was 10.89%.

• Quarterly cash dividend increased to $0.15 per share, up 15.4%; 153,606 shares repurchased in Q2 at $46.31 average price.

• Recognized for consistent earnings growth, top performance, and workplace excellence by multiple industry rankings.

Financial highlights

• Net interest margin rose to 4.41% in Q2 2026, up from 4.31% in Q1 2026; for the six months, it was 4.36% versus 4.25% year-over-year.

• Net interest income for Q2 2026 was $45.3 million, up $1.0 million sequentially; six-month net interest income was $89.6 million, up $2.5 million year-over-year.

• Provision for credit losses was $920,000 in Q2 and $1.3 million for six months, both lower than prior periods.

• Noninterest income for Q2 was $9.2 million, down $784,000 sequentially; for six months, $19.3 million, up $1.1 million year-over-year.

• Noninterest expense for Q2 was $34.0 million, up $1.0 million sequentially; for six months, $67.0 million, up $4.7 million year-over-year.

Outlook and guidance

• Management expects continued focus on core banking, cost control, and maintaining strong capital and liquidity positions.

• Leadership aims to accelerate loan growth, maintain top quartile profitability, and resilient tangible book value growth.

• No material changes in risk factors or market risk disclosures from the prior annual report.