HomeTrust reported FY 2025 net income of USD 64.36 million, up 17% from FY 2024, with diluted EPS of USD 3.72. Net interest income in FY 2025 rose 5% to USD 176.74 million as interest expense fell 14% to USD 79.4 million, reflecting a lower average cost of funds and reduced average borrowings outstanding. Noninterest income increased 9% to USD 36.33 million, driven by a USD 1.45 million gain on the sale of two Knoxville, Tennessee branches and higher gains on loan sales. HomeTrust’s provision for credit losses was USD 6.94 million and nonperforming assets were USD 44.43 million at Dec. 31, 2025. The company said it expects annual cost savings of USD 800,000 from ceasing indirect auto originations and right-sizing its mortgage banking business.
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