Updated
The most significant concentration HomeTrust Bancshares discloses is commercial real estate loans at 49.8%, classified MEDIUM by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: HomeTrust Bancshares’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
“10-K Item 1A: 'At December 31, 2025, commercial real estate loans were $1.8 billion, or 49.8% of our total loan portfolio, including multifamily loans totaling $110.9 million or 3.1% of our total loan portfolio.'”
“10-K Item 1A: 'Our primary market areas are concentrated in North Carolina (the Asheville metropolitan area, the "Piedmont" region, Charlotte and Raleigh/Cary), South Carolina (Greenville and Charleston), East Tennessee (Kingsport/Johnson City and Morristown), Southwest Virginia (the Roanoke Valley) and Georgia (Greater Atlanta).'”
“10-K Item 1A: 'At December 31, 2025, $633.5 million, or 17.7% of our total loan portfolio, was secured by liens on one-to-four family residential loans.'”
HomeTrust's concentration profile is dominated by two structural exposures inherent to its business model as a community bank. Commercial real estate loans make up 49.8% of the total loan portfolio, and the bank's lending footprint is concentrated across North Carolina, South Carolina, East Tennessee, Southwest Virginia, and Georgia — both reflect the geographic and product scope of a regional lender rather than any idiosyncratic counterparty risk. One-to-four family residential loans add a further 17.7% of the portfolio, a smaller, lower-share exposure. None of the three disclosed concentrations point to dependency on a single customer or supplier; they are structural characteristics of operating as a regional CRE-focused bank. Taken together, these exposures net out to a fairly typical community-bank risk profile: geographically concentrated, CRE-heavy, and diversified across loan types rather than clients. The disclosures don't point to any single item that would move the verdict on its own — the CRE share is the most consequential line to watch given its size, but it is well-disclosed and structural rather than a dependency risk.
For the engine’s reasoning on HTB’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| HTB● | HomeTrust Bancshares, Inc. | 0 | 2 | 1 | 3 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.