1UPX For Against Abstain 2. To adjourn or postpone the Special Meeting to a later date or dates, if necessary or appropriate, to permit further solicitation of proxies if there are not sufficient votes at the time of the Special Meeting to approve the HomeTrust share issuance proposal, or to ensure that any supplement or amendment to the joint proxy statement/prospectus relating to the Special Meeting is timely provided to holders of HomeTrust common stock. 04C68B 1. To approve the issuance of shares of HomeTrust common stock to holders of shares of the common stock of Blue Ridge Bankshares, Inc. (“Blue Ridge”) pursuant to the Agreement and Plan of Merger, dated as of August 16, 2026 (as may be amended or supplemented from time to time in accordance with its terms, the “Merger Agreement”), by and among HomeTrust, Kinloch Merger Sub, Inc., a direct, wholly owned subsidiary of HomeTrust (“Merger Sub”), and Blue Ridge, pursuant to which Merger Sub will merge with and into Blue Ridge, with Blue Ridge as the surviving corporation, followed immediately by the merger of Blue Ridge with and into HomeTrust, with HomeTrust as the surviving corporation (the “HomeTrust share issuance proposal”). For Against Abstain Please sign exactly as your name appears hereon. When shares are held by joint tenants, both should sign. When signing as an attorney, executor, administrator, trustee or guardian, please give full title as such. If a corporation, please sign in full corporate name by authorized officer. If a partnership, please sign in partnership name by authorized person. Date (mm/dd/yyyy) — Please print date below. Signature 1 — Please keep signature within the box. Signature 2 — Please keep signature within the box. B Authorized Signatures — This section must be completed for your vote to count. Please date and sign below. Special Meeting Proxy Card Using a black ink pen, mark your votes with an X as shown in this example. Please do not write outside the designated areas. q IF VOTING BY MAIL, SIGN, DETACH AND RETURN THE BOTTOM PORTION IN THE ENCLOSED ENVELOPE.q A Proposals — The Board of Directors recommends a vote FOR Proposals 1 and 2. MMMMMMMMMMMM MMMMMMMMM 1234 5678 9012 345 701071 If no electronic voting, delete QR code and control # 000001MR A SAMPLE DESIGNATION (IF ANY) ADD 1 ADD 2 ADD 3 ADD 4 ADD 5 ADD 6 ENDORSEMENT_LINE______________ SACKPACK_____________ MMMMMMMMMMMMMMM C123456789 000000000.000000 ext 000000000.000000 ext 000000000.000000 ext 000000000.000000 ext 000000000.000000 ext 000000000.000000 ext 2024 MR A SAMPLE (THIS AREA IS SET UP TO ACCOMMODATE 140 CHARACTERS) MR A SAMPLE AND MR A SAMPLE AND MR A SAMPLE AND MR A SAMPLE AND MR A SAMPLE AND MR A SAMPLE AND MR A SAMPLE AND MR A SAMPLE AND C 1234567890 J N T MMMMMMM You may vote online or by phone instead of mailing this card. Online Go to www.investorvote.com/HTB or scan the QR code — login details are located in the shaded bar below. Your vote matters – here’s how to vote! Votes submitted electronically must be received by 11:59pm, Eastern Time, on [•], 2026. Save paper, time and money! Sign up for electronic delivery at www.investorvote.com/HTB Phone Call toll free 1-800-652-VOTE (8683) within the USA, US territories and Canada

Small steps make an impact. Help the environment by consenting to receive electronic delivery, sign up at www.investorvote.com/HTB SPECIAL MEETING OF STOCKHOLDERS [•], 2026 [•], Eastern Time This proxy is solicited on behalf of the Board of Directors The undersigned hereby revokes all proxies previously given with respect to all shares of common stock, $.01 par value per share, of HomeTrust Bancshares, Inc. (“HomeTrust”) that the undersigned is entitled to vote at HomeTrust’s Special Meeting of Stockholders (the “Special Meeting”), to be held at [•], Asheville, NC [•], on [•], 2026, at [•], Eastern Time, and appoints the members of the Board of Directors of HomeTrust, with full power of substitution, to act as proxies for the undersigned for the purpose of voting such stock at the Special Meeting, and at any and all adjournments or postponements thereof, as fully and with the same effect as the undersigned might or could do if personally present, as indicated on the reverse side. This proxy may be revoked in the manner described in the joint proxy statement/prospectus relating to the Special Meeting. The undersigned acknowledges receipt from HomeTrust, prior to the execution of this proxy, of the Notice of Special Meeting and joint proxy statement/prospectus relating to the Special Meeting. THIS PROXY, WHEN PROPERLY EXECUTED, WILL BE VOTED IN THE MANNER DIRECTED HEREIN BY THE UNDERSIGNED STOCKHOLDER. IF NO DIRECTION IS MADE, THIS PROXY WILL BE VOTED FOR PROPOSAL 1 AND FOR PROPOSAL 2. IF ANY OTHER BUSINESS IS PRESENTED AT THE SPECIAL MEETING, THIS PROXY WILL BE VOTED BY THOSE NAMED IN THIS PROXY IN THEIR BEST JUDGMENT. AT THE PRESENT TIME, THE BOARD OF DIRECTORS KNOWS OF NO OTHER BUSINESS TO BE PRESENTED AT THE SPECIAL MEETING. PLEASE SEE REVERSE SIDE FOR VOTING INSTRUCTIONS (Continued, and to be marked, dated and signed, on the other side) REVOCABLE PROXY — HOMETRUST BANCSHARES, INC. C Non-Voting Items q IF VOTING BY MAIL, SIGN, DETACH AND RETURN THE BOTTOM PORTION IN THE ENCLOSED ENVELOPE.q Meeting Attendance Mark box to the right if you plan to attend the Special Meeting. Change of Address — Please print new address below. Important notice regarding the Internet availability of proxy materials for the the HOMETRUST BANCSHARES, INC. Special Meeting of Stockholders. The Joint Proxy Statement/Prospectus is available at: http://www.investorvote.com/HTB