HomeTrust Bancshares, Inc. functions as the parent entity for HomeTrust Bank, delivering a broad spectrum of financial offerings for both individual customers and commercial enterprises. The institution provides various deposit solutions, such as savings, money market, and checking accounts, along with certificates of deposit, catering to individuals, businesses, and non-profit groups. Its extensive lending portfolio encompasses retail consumer credit, including mortgages for single to four-unit residential properties, home equity lines of credit, financing for construction and land purchases, indirect vehicle loans, and other personal borrowing options. For its commercial clients, HomeTrust Bank extends credit for commercial real estate ventures, development projects, and general commercial and industrial needs. Additionally, the company offers specialized financial services like Small Business Administration (SBA) loans, equipment leasing arrangements, further indirect automobile financing, and municipal leases. Clients also benefit from contemporary banking conveniences such as cash management services and robust online and mobile banking platforms. As of mid-2021, HomeTrust Bancshares, Inc. operated 41 branches spread across North Carolina, Upstate South Carolina, East Tennessee, and Southwest Virginia. The company, founded in 1926, maintains its primary corporate office in Asheville, North Carolina.