HomeTrust Bancshares operates as the bank holding company for HomeTrust Bank that provides a range of retail and commercial banking products. Its deposit products consist of savings, money market, and demand accounts, as well as certificates of deposit for individuals, businesses and nonprofit organizations. The Company’s loan portfolio comprises retail consumer loans, such as one-to-four-family residential property lending, home equity lines of credit, construction and land/lots, indirect auto finance and consumer lending; and commercial loans, including commercial real estate lending, construction and development lending, and commercial and industrial loans.