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Regulatory Capital Matters
 12 Months Ended
Jun. 30, 2022
Banking And Thrift, Regulatory Capital Requirements [Abstract]  
Regulatory Capital Matters Regulatory Capital Matters
HomeTrust Bancshares, Inc. is a bank holding company subject to regulation by the Federal Reserve. As a bank holding company, it is subject to capital adequacy requirements of the Federal Reserve under the Bank Holding Company Act of 1956, as amended and the regulations of the Federal Reserve. The Company's subsidiary, the Bank, an FDIC-insured, North Carolina state-chartered bank and a member of the Federal Reserve System, is supervised and regulated by the Federal Reserve and the NCCOB and is subject to minimum capital requirements applicable to state member banks established by the Federal Reserve that are calculated in a manner similar to those applicable to bank holding companies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by bank regulators that, if undertaken, could have a direct material effect on the Company's financial statements.
Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank’s assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors.
At June 30, 2022, HomeTrust Bancshares, Inc. and the Bank each exceeded all regulatory capital requirements. Consistent with the Company's goals to operate a sound and profitable organization, its policy is for the Bank to maintain a “well-capitalized” status under the regulatory capital categories of the Federal Reserve. The Bank was categorized as "well-capitalized" at June 30, 2022 under applicable regulatory requirements.
HomeTrust Bancshares, Inc. and the Bank's actual and required minimum capital amounts and ratios are as follows:
 Regulatory Requirements
ActualMinimum for Capital
Adequacy Purposes		Minimum to Be
Well Capitalized
 AmountRatioAmountRatioAmountRatio
HomeTrust Bancshares, Inc.
June 30, 2022
CET1 Capital (to risk-weighted assets)$372,797 10.76 %$155,844 4.50 %$225,108 6.50 %
Tier 1 Capital (to total adjusted assets)372,797 10.50 142,028 4.00 177,535 5.00 
Tier 1 Capital (to risk-weighted assets)372,797 10.76 207,792 6.00 277,057 8.00 
Total Risk-based Capital (to risk-weighted assets)395,962 11.43 277,057 8.00 346,321 10.00 
June 30, 2021      
CET1 Capital (to risk-weighted assets)$375,320 11.26 %$149,943 4.50 %$216,584 6.50 %
Tier 1 Capital (to total adjusted assets)375,320 10.29 145,915 4.00 182,393 5.00 
Tier 1 Capital (to risk-weighted assets)375,320 11.26 199,924 6.00 266,565 8.00 
Total Risk-based Capital (to risk-weighted assets)398,408 11.96 266,565 8.00 333,206 10.00 
HomeTrust Bank:      
June 30, 2022      
CET1 Capital (to risk-weighted assets)$358,600 10.35 %$155,844 4.50 %$225,108 6.50 %
Tier 1 Capital (to total adjusted assets)358,600 10.11 141,814 4.00 177,267 5.00 
Tier 1 Capital (to risk-weighted assets)358,600 10.35 207,792 6.00 277,057 8.00 
Total Risk-based Capital (to risk-weighted assets)381,765 11.02 277,057 8.00 346,321 10.00 
June 30, 2021      
CET1 Capital (to risk-weighted assets)$357,767 10.74 %$149,936 4.50 %$216,575 6.50 %
Tier 1 Capital (to total adjusted assets)357,767 9.81 145,933 4.00 182,417 5.00 
Tier 1 Capital (to risk-weighted assets)357,767 10.74 199,915 6.00 266,553 8.00 
Total Risk-based Capital (to risk-weighted assets)380,855 11.43 266,553 8.00 333,192 10.00 
As permitted by the interim final rule issued on March 27, 2020 by the federal banking regulatory agencies, the Company has elected the option to delay the estimated impact on regulatory capital of ASU 2016-13, which was adopted on July 1, 2020. The initial adoption of ASU 2016-13 as well as 25% of the quarterly increases in the ACL subsequent to adoption (collectively the “transition adjustments”) will be delayed for two years. After two years, the cumulative amount of the transition adjustments will become fixed and will be phased out of the regulatory capital calculations evenly over a three-year period, with 75% recognized in year three, 50% recognized in year four, and 25% recognized in year five. After five years, the temporary regulatory capital benefits will be fully reversed.
In addition to the minimum CET1, Tier 1 and total risk-based capital ratios, both HomeTrust Bancshares, Inc. and the Bank have to maintain a capital conservation buffer consisting of additional CET1 capital of more than 2.50% above the required minimum levels in order to avoid limitations on paying dividends, engaging in share repurchases, and paying discretionary bonuses based on percentages of eligible retained income that could be utilized for such actions. As of June 30, 2022, the Company's and Bank's risk-based capital exceeded the required capital contribution buffer.
Dividends paid by HomeTrust Bank are limited, without prior regulatory approval, to current year earnings and earnings less dividends paid during the preceding two years.