HomeTrust Bancshares is a bank holding company. Through its subsidiaries, Co.'s principal business consists of accepting deposits from the general public and investing those funds, along with borrowed funds, in commercial real estate loans, construction and development loans, commercial and industrial loans, equipment finance leases, municipal leases, loans secured by first and second mortgages on one-to-four family residences including home equity loans, and other consumer loans. Co. also originates one-to-four family loans, U.S. Small Business Administration loans, and Home Equity Line of Credits to sell to third parties. In addition, Co. invests in debt securities.