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FIG Partners’ 11th AnnualBank CEO ForumSeptember 28 - 29, 20150

Forward-Looking StatementsThis presentation includes “forward-looking statements” within the meaning of the Private SecuritiesLitigation Reform Act of 1995. Such statements often include words such as “believe,” “expect,”“anticipate,” “estimate,” and “intend” or future or conditional verbs such as “will,” “would,” “should,”“could,” or “may.” Forward-looking statements are not historical facts but instead representmanagement’s current expectations and forecasts regarding future events many of which areinherently uncertain and outside of our control. Actual results may differ, possibly materially from thosecurrently expected or projected in these forward-looking statements. Factors that could cause ouractual results to differ materially from those described in the forward-looking statements, includeexpected cost savings, synergies and other financial benefits from our recent acquisitions might not berealized within the expected time frames or at all, and costs or difficulties relating to integration mattersmight be greater than expected; increased competitive pressures; changes in the interest rateenvironment; changes in general economic conditions and conditions within the securities markets;legislative and regulatory changes; and other factors described in HomeTrust’s latest annual Report onForm 10-K and Quarterly Reports on Form 10-Q and other filings with the Securities and ExchangeCommission-which are available on our website at www.hometrustbanking.com and on the SEC’swebsite at www.sec.gov. Any of the forward-looking statements that we make in this presentation orour SEC filings are based upon management’s beliefs and assumptions at the time they are made andmay turn out to be wrong because of inaccurate assumptions we might make, because of the factorsillustrated above or because of other factors that we cannot foresee. We do not undertake andspecifically disclaim any obligation to revise any forward-looking statements to reflect the occurrenceof anticipated or unanticipated events or circumstances after the date of such statements. These riskscould cause our actual results for fiscal 2016 and beyond to differ materially from those expressed inany forward-looking statements by, or on behalf of, us and could negatively affect our operating andstock performance.1

HomeTrust Bancshares, Inc. OverviewHeadquarters:Asheville, NCExchange/Ticker:NASDAQ: HTBIFounded:1926Number ofEmployees:475Locations:45 (NC,SC,VA,TN) (1)Stock Price: 18.44(3)Total Assets: 2.8 billionPrice to TBV:102%Total Loans: 1.7 billionMarket Cap: 352 million(3)Total Deposits: 1.9 billionAverage 2)SharesRepurchased (2)(since conversion onJuly 11, 2012)4,173,893or approx. 20%Financial data as of 6/30/15(1) 39 locations after the branch consolidation announced on July 22, 2015.(2) Shares outstanding as of 9/8/15; authorized for repurchase at 9/8/15: 697,472(3) Market data as of 9/21/152

Strategic Operating CommitteeAgeYrs inBankingYrsw/HTBILeaderRoleDana StonestreetChairman, President & Chief ExecutiveOfficer613726Tony VunCannonExecutive Vice President & Chief FinancialOfficer502723Hunter WestbrookExecutive Vice President & Chief BankingOfficer52284Howard SellingerExecutive Vice President & ChiefInformation Officer624040Keith HoughtonExecutive Vice President & Chief CreditOfficer53262Teresa WhiteExecutive Vice President & ChiefAdministration Officer5810(29 in HR)5Parrish LittleExecutive Vice President & Chief RiskOfficer47251Kathy RedmondSenior Vice President & Director of RetailBanking604252351063

Foundation For Growth Converted to stock in July 2012 and raised 211.6 million Added 5 larger growing markets in NC, SC, VA and East TN Added 25 new locations, 1 billion in assets, and 200 new team members Converted to national bank charter in August 2014 United 7 names to one brand – HomeTrust Bank in October 2014 Enhanced Commercial Credit Department to support growth in commercial lending Acquired/Hired 25 Commercial Relationship Managers Grew core deposits by over 700 million Moved loan/deposit ratio from 104% to 90% Added indirect auto lending as a line of business Positioned to expand the mortgage line of business in our new markets Grown to the 5th largest community bank headquartered in NC4

Focus Today – Execute with a Sense of Urgency Sound and Profitable Organic Growth Loan portfolio - Goal of 8-10% annualized growth Core deposits (Checking accounts increased 173.8 million or 42% in the past 12 months) Non-interest income (Up 3.8 million or 43% in the past 12 months) Revenue growth to outpace expense growth Increase ROA, ROE, and EPS through organic growth Increase tangible book value per share (TBV/share) Lower our efficiency ratio Announced consolidation of six branch offices Continue buying back undervalued shares Create value for shareholders5

New Markets to Drive Organic GrowthDate ClosedDescriptionJuly 31, 2013 BankGreenvilleAssets(millions) 101Locations2 - Greenville, SCMay 31,2014 Jefferson Bancshares, Inc. 48912 - East TennesseeJuly 21, 2014 Roanoke Loan Production OfficeN/A1 location - Roanoke, VAJuly 31, 2014 Bank of Commerce 1231 location – MidtownCharlotte, NCNov. 12, 2014 Raleigh Loan ProductionN/A1 location - Raleigh, NC 3285 - Roanoke, VA3 - Southwest VANov. 14, 2014 Bank of America - 10 BranchesTotal Assets 1,041Total Purchase PriceCash (67%)Stock (33%)PurchasePrice(million)Price toTBVCash /Stock 8.792%Cash 51.299%Cash50%Stock50%N/AN/AN/A 10.0112%CashN/AN/AN/A2.86%Premium 8.8N/ACash 78.7 53.1 26.56

Growth Since ConversionMutual/StockConversion09/30/2012Change SinceConversion %Actual06/30/2015Total Assets 1,603 2,783 1,18074%Total Loan Portfolio 1,203 1,686 48340%1-4 Family611651407%HELOC’s & Other Consumer19533514072%Commercial Real Estate23244221091%38652771%1271936652%Commercial Constr. & DevelopmentOther Commercial-Total Deposit PortfolioChecking Accounts 1,160 1,87271261%239591352147%Money Market/Savings337704367109%Time Deposits584577(7)-1%104%90%-(14% ployees(1) 39 locations after the branch consolidation announced on July 22, 20157

Loan Portfolio CompositionLoans: At Time of Conversion (1)Loans: 6/30/15With Recent Acquisitions1-4 Family ( 651MM)1-4 Family ( 611MM)HELOCs & Other Consumer ( 335MM)HELOCs & Other Consumer ( 195MM)Commercial Real Estate ( 442MM)Commercial Real Estate ( 232MM)Commercial Construction & Development( 65MM)Commercial Construction & Development ( 38MM)Other Commercial ( 127MM)11%11%3%4%39%19%51%26%Commercial 33%Commercial 41%16%20%(1)Financial data as of 9/30/128

Deposit Portfolio CompositionDeposits: At Time of Conversion (1)Time Deposits ( 584MM)Deposits: 6/30/15With Recent AcquisitionsTime Deposits ( 577MM)MMDA / Savings ( 337MM)MMDA / Savings ( 704MM)Transaction Accounts (239MM)Transaction Accounts ( 591MM)31%29%37%50%21%32%Core Deposits 50%Core Deposits 69%Core Deposits Growth 36%(1)Financial data as of 9/30/129

Expanded Footprint For Growth10

Market DemographicsMarkets6 Original NC Markets at ConversionNew Markets Since ConversionCharlotte, NC/Mecklenburg CountyRaleigh, NC/Wake CountyGreenville, SC/MSAKnoxville, TN/MSATri-Cities, TN/MSARoanoke, VA/MSAOther9Total New Markets15Grand Total150%% 322511,491313,033231,0724,735,0485,625,899532%11

HomeTrust Growth MarketsAsheville, NC MSAGreenville, SC MSA 2015 unemployment at 4.6% down from 4.9% in 2014 2015 unemployment at 6.1% up from 5.4% in 2014 No. 12 on Top 100 Best Places to Live 2015,Livability.com, September 2014 No. 6 list of America's Engineering Capitals, Forbes, 2014 No. 7 Best State for Business, Chief Executive Magazine, 2014No. 34 for Best Places for Business & Careers, Forbes,November 2014 Best Cities for Jobs Fall 2013, Manpower Survey as reported in ForbesMagazine Charlotte, NC MSAKnoxville, Kingsport, Bristol, Johnson City, TN MSA Areas 2015 unemployment at 5.6% down from 6.2% in 2014 Knoxville: 2015 unemployment at 5.4% down from 6.1% in 2014 No. 9 Fastest-Growing Cities, Jan. 2015 Forbes Kingsport/Bristol: 2015 unemployment at 5.8% down from 6.5% in 2014 No. 3 States with Top Business Climate, May 2015 ChiefExecutive Magazine Johnson City: 2015 unemployment at 6.2% down from 6.8% in 2014 Tennessee: named the Forth Best State in the Country for Business,Chief Executive Magazine, 2015 Best & Worst States for Business list Tennessee: named 2014 State of the Year for economic development,Business Facilities, 2014Raleigh, NC MSA 2015 unemployment at 4.8% down from 5.0% in 2014 #3 Among Best Cities to Work - Economic Environment,WalletHub, May 2015 #1 Among The U.S. Cities Attracting The Most Families,Forbes, September 2014Roanoke, VA MSA 2015 unemployment at 4.9% down from 5.3% in 2014 Virginia ranked No. 3 for Business Friendliness, CNBC 2015 Virginia ranked No. 4 for Best State for Doing Business, Forbes, 2014Source: U.S. Bureau of Labor Statistics, Chamber of Commerce of named cities, Tennessee Department of Economic & Community Development, Virginia Economic Development Partnership12

Bank of America Branch Purchase Impact Younger Customer Demographics Growth in deposit accounts of 60% Growth in low cost core deposits Debit card growth of 170% Internet banking growth of 110% 5 Branch locations in Roanoke, VA tocomplement new Commercial LPO13

Household Mix Shifting Toward Younger Segments HomeTrust Bank’s recentacquisitions have shiftedthe consumer customermix, with significantincreases in Gen X andGen Y (Millennials)households. Baby Boomers continueto comprise the largestsegment of consumerhouseholds at the Bank –33.86%. Younger consumers usemobile/online channelsmore often thantraditional retailbranches.14

Talent Added For GrowthRoanoke Loan Production TeamMarket PresidentCommercial Relationship ManagerSr. Commercial Credit ManagerTreasury Management Sales OfficerJul 2014Jul 2014Jul 2014Jul 2014Raleigh Loan Production TeamMarket PresidentCustomer Relationship Managers (3)Nov 2014Nov 2014CharlotteMarket PresidentCustomer Relationship Managers (2)Jan 2015Mar 2015OthersSenior Commercial Credit ManagerChief Credit OfficerAuto Finance Portfolio ManagerChief Risk OfficerAsheville Business Development OfficerDirector of Treasury ManagementConsumer Lending ExecutiveFeb 2014Mar 2014Nov 2014Mar 2015May 2015Jun 2015Jun 201515

Loan Production(Dollars in thousands)Commercial Loan OriginationsRetail Loan 973,501100,00068,242 ,2823,113001-4 Family 1-4 BrokeredHELOCFY 2015 ( 316.2 MM)Const&land Indirect auto ConsumerdevFY 2014 ( 234.1 MM)Total Loans FY 2015Total Loans FY 2014 Change% Change Com REC&DFY 2015 ( 210.2 MM)Retail316,192234,12082,07235.1%Commercial 210,169 83,936 126,233150.4% C&IMunicipalLeasesFY 2014 ( 83.9 MM)Total526,361318,056208,30565.5%Source: July 27, 2015 earnings release and other internal Company documents16

Improving Asset QualityNonperforming Assets / Total Assets6.00%4.67%5.00%3.87%Allowance for Loan Losses / Total 2007 FY 2008 FY 2009 FY 2010 FY 2011 FY 2012 FY 2013 FY 2014 FY 2015 FY0.00%2007 FY 2008 FY 2009 FY 2010 FY 2011 FY 2012 FY 2013 FY 2014 FY 2015 FYNet Charge-Offs / Average Loans0.07%Source: SNL Financial; company documents previously filed with the SEC, and the July 27, 2015 earnings release.17

Current FHLB Leveraging Strategy Borrowed 475 million (1) of short-term advances from the FHLB Borrowings increased FHLB stock requirements by 20 million to takeadvantage of high dividend rate (4.26% for 1st quarter 2015) Invested remaining 455 million in short-term interest earning deposits(CD’s in other banks, commercial paper, and deposits with the FederalReserve Bank) Increase net interest income by 1.2 - 1.7 million annually Negative impact on net interest margin (67 basis point decrease for thequarter ended June 30, 2015 compared to adjusted net interest marginexcluding leveraging strategy) Will continue to impact net interest margin and ROA in fiscal 2016(1) As of June 30, 201518