A more personal approach to banking is taking hold in Charlotte

More than half of Americans say they feel less connected to their bank than in years past, according to a 2025 The Harris Poll report.

• Plus, the survey found that online-only banking customers are more likely than customers of any other bank type to seek a better option.

Why it's important: Big financial decisions — like growing a business, buying property or planning for the future — require more than speed and convenience. They require context, guidance and an understanding of local markets.

What you need to know: HomeTrust Bank combines digital tools with a relationship-driven approach rooted in local communities.

• That approach emphasizes partnership over transactions, helping deliver the kind of local insight and guidance many customers say they're missing.
• It's a model HomeTrust has built over decades — and one it's carrying into its 100th year, including in Charlotte and across the Southeast.

The details: Since it was founded in 1926, HomeTrust has grown from a community bank into a high-performing regional bank operating in North Carolina, South Carolina, Georgia, Tennessee and Virginia.

The bank offers a full range of services:

• Business lending and deposit accounts.*
• Commercial lending and deposit solutions.*
• Treasury management solutions.
• Consumer banking and deposit accounts.
• Mortgage loans.*
• Wealth management.**

The impact: In Charlotte, the bank is well-positioned to serve privately owned operating companies and commercial real estate developers navigating growth in a fast-changing market.

• With offices in South Park and Cornelius, HomeTrust serves the greater Charlotte and Lake Norman areas, giving teams a close view of local business needs and market dynamics.

How it's done: HomeTrust tailors its approach based on customers' needs.

• For everyone: The bank is competitive on both loan and deposit rates — and more importantly, the team is responsive, accessible and committed to its customers.
• For business and commercial customers: Bankers take the time to understand how the business operates — and where it's headed — then with HomeTrust's deep knowledge of the Charlotte market, the team collaboratively structures long-term financing solutions.

Here's what else: The bank puts a premium on its employee satisfaction — through volunteer initiatives and strong cultural fundamentals, it earned a spot among America's Top 100 Most-Loved Workplaces by the Best Practices Institute.

• "We believe when employees are fulfilled and supported, that naturally translates into better experiences for our customers," Charlotte Market President Rob McCain said.

The takeaway: HomeTrust's collective market knowledge offers perspective beyond the transaction — no matter its size.

• As it enters its second century, the bank is investing in technology, enhancing customer experience and continuing to strengthen the communities it serves.

Meet the team.

*All loans and lines of credit are subject to credit approval

**Investment and insurance products and services are offered through Osaic Institutions, Inc. Member FINRA/SIPC. HomeTrust Investment Services is a trade name of HomeTrust Bank. Osaic Institutions and HomeTrust Bank are not affiliated.