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  <xs:element id="htbi_ProvisionalPeriodAdjustmentsMember" abstract="true" name="ProvisionalPeriodAdjustmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbi_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFederalHomeLoanBankStockAndFederalReserveBankStock" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFederalHomeLoanBankStockAndFederalReserveBankStock" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbi_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansReceivable" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansReceivable" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbi_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansReceivable" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansReceivable" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbi_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestReceivable" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestReceivable" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbi_BusinessCombinationRecognizedIdentifiableAssetsAcquiredandLiabilitiesAssumedBankOwnedLifeInsurance" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredandLiabilitiesAssumedBankOwnedLifeInsurance" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbi_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAssets" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbi_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbi_BusinessCombinationRecognizedIdentifiableAssetAcquiredAndLiabilityAssumedDeposits" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetAcquiredAndLiabilityAssumedDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbi_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentDeposits" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentDeposits" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbi_BusinessCombinationRecognizedIdentifiableAssetAcquiredAndLiabilityAssumedJuniorSubordinatedDebt" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetAcquiredAndLiabilityAssumedJuniorSubordinatedDebt" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbi_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentJuniorSubordinatedDebt" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentJuniorSubordinatedDebt" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbi_BusinessCombinationRecognizedIdentifiableAssetAcquiredAndLiabilityAssumedOtherBorrowings" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetAcquiredAndLiabilityAssumedOtherBorrowings" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbi_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentDeferredIncomeTaxes" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentDeferredIncomeTaxes" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbi_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbi_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAllowanceForCreditLoss" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAllowanceForCreditLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbi_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCreditFairValueOnNonPCDLoanPortfolio" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCreditFairValueOnNonPCDLoanPortfolio" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbi_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentInterestRateFairValueAdjustmentOnLoanPortfolio" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentInterestRateFairValueAdjustmentOnLoanPortfolio" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbi_BusinessAcquisitionNumberOfCommonStockSharesAcquired" abstract="false" name="BusinessAcquisitionNumberOfCommonStockSharesAcquired" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="htbi_BusinessAcquisitionExchangeRatio" abstract="false" name="BusinessAcquisitionExchangeRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="htbi_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost1" abstract="false" name="AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost1" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbi_SecuritiesAvailableForSalePledgedAsCollateralMarketValue" abstract="false" name="SecuritiesAvailableForSalePledgedAsCollateralMarketValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbi_NumberofSecuritiesWithUnrealizedLosses" abstract="false" name="NumberofSecuritiesWithUnrealizedLosses" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="htbi_OneToFourFamilyLoansMember" abstract="false" name="OneToFourFamilyLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="htbi_SmallBusinessAdministrationLoanMember" abstract="true" name="SmallBusinessAdministrationLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="htbi_CommercialRealEstateLoanOwnerOccupiedMember" abstract="true" name="CommercialRealEstateLoanOwnerOccupiedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="htbi_CommercialRealEstateLoanNonOwnerOccupiedMember" abstract="true" name="CommercialRealEstateLoanNonOwnerOccupiedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="htbi_MultifamilyLoanMember" abstract="true" name="MultifamilyLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="htbi_CommercialandIndustrialLoanMember" abstract="true" name="CommercialandIndustrialLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="htbi_EquipmentFinanceMember" abstract="true" name="EquipmentFinanceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="htbi_MunicipalLoansMember" abstract="true" name="MunicipalLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="htbi_OneToFourFamilyLoanMember" abstract="true" name="OneToFourFamilyLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="htbi_ExecutiveOfficersDirectorsAndAssociatesMember" abstract="true" name="ExecutiveOfficersDirectorsAndAssociatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbi_HELOCsLoanMember" abstract="true" name="HELOCsLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="htbi_FinancialAsset30To89DaysPastDueMember" abstract="true" name="FinancialAsset30To89DaysPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="htbi_InvestmentRealEstateMember" abstract="true" name="InvestmentRealEstateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="htbi_BusinessAssetsMember" abstract="true" name="BusinessAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="htbi_TimeDepositMaturitiesAfterYearFour" abstract="false" name="TimeDepositMaturitiesAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbi_CertificatesofDepositWithBalancesof250orGreater" abstract="false" name="CertificatesofDepositWithBalancesof250orGreater" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbi_SOFRMember" abstract="true" name="SOFRMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbi_FRBAdvancesMember" abstract="true" name="FRBAdvancesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="htbi_FRBMember" abstract="true" name="FRBMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="htbi_UnaffiliatedBanksMember" abstract="true" name="UnaffiliatedBanksMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="htbi_DebtInstrumentNumberofBankswithLinesofCredit" abstract="false" name="DebtInstrumentNumberofBankswithLinesofCredit" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="htbi_LesseeOperatingLeaseLiabilityToBePaidAfterYearFour" abstract="false" name="LesseeOperatingLeaseLiabilityToBePaidAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbi_LessorOperatingLeaseDepreciationExpense" abstract="false" name="LessorOperatingLeaseDepreciationExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbi_LessorOperatingLeasePaymentToBeReceivedAfterYearFour" abstract="false" name="LessorOperatingLeasePaymentToBeReceivedAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbi_SalesTypeAndDirectFinancingLeasesLeaseReceivableToBeReceivedAfterYearFour" abstract="false" name="SalesTypeAndDirectFinancingLeasesLeaseReceivableToBeReceivedAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbi_A2022OmnibusIncentivePlanMember" abstract="true" name="A2022OmnibusIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="htbi_SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsNonvestedWeightedAverageRemainingContractualTerm" abstract="false" name="SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsNonvestedWeightedAverageRemainingContractualTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="htbi_SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsNonvestedIntrinsicValue" abstract="false" name="SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsNonvestedIntrinsicValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbi_PerformanceBasedRestrictedStockUnitsMember" abstract="true" name="PerformanceBasedRestrictedStockUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbi_LoanAndLeasesReceivableCommitments" abstract="false" name="LoanAndLeasesReceivableCommitments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbi_LoanCommitmentsWithFixedRateInterestRange" abstract="false" name="LoanCommitmentsWithFixedRateInterestRange" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="htbi_LoanCommitmentsTerms" abstract="false" name="LoanCommitmentsTerms" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="htbi_CommittedCapitalSBICInvestments" abstract="false" name="CommittedCapitalSBICInvestments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbi_NumberOfSBICInvestmentsForCommittedCapital" abstract="false" name="NumberOfSBICInvestmentsForCommittedCapital" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="htbi_CommittedCapitalSBICInvestmentsRemainingToBeDrawn" abstract="false" name="CommittedCapitalSBICInvestmentsRemainingToBeDrawn" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbi_LoansheldforsaleMember" abstract="false" name="LoansheldforsaleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="htbi_CashAndInterestBearingDepositsMember" abstract="false" name="CashAndInterestBearingDepositsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="htbi_CertificatesofdepositinotherbanksMember" abstract="false" name="CertificatesofdepositinotherbanksMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="htbi_SecuritiesavailableforsaleMember" abstract="false" name="SecuritiesavailableforsaleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="htbi_FederalHomeLoanBankStockMember" abstract="false" name="FederalHomeLoanBankStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="htbi_SmallBusinessInvestmentCompanyFundsMember" abstract="true" name="SmallBusinessInvestmentCompanyFundsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="htbi_LoansHeldForSaleFairValueMember" abstract="true" name="LoansHeldForSaleFairValueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="htbi_LoansHeldForSaleAtLowerOfCostOrFairValueMember" abstract="true" name="LoansHeldForSaleAtLowerOfCostOrFairValueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="htbi_LoansNetMember" abstract="false" name="LoansNetMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="htbi_AccruedinterestreceivableMember" abstract="false" name="AccruedinterestreceivableMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="htbi_NoninterestBearingAndNOWDepositsMember" abstract="false" name="NoninterestBearingAndNOWDepositsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="htbi_MoneyMarketAccountsMember" abstract="false" name="MoneyMarketAccountsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="htbi_SavingsAccountsMember" abstract="false" name="SavingsAccountsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="htbi_CertificatesOfDepositMember1Member" abstract="false" name="CertificatesOfDepositMember1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="htbi_OtherBorrowingsMember" abstract="false" name="OtherBorrowingsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="htbi_AccruedInterestPayableMember" abstract="false" name="AccruedInterestPayableMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="htbi_FinancialInstrumentsOwned" abstract="false" name="FinancialInstrumentsOwned" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbi_LoansReceivableREOMember" abstract="true" name="LoansReceivableREOMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="htbi_MeasurementInputCollateralDiscountRateMember" abstract="true" name="MeasurementInputCollateralDiscountRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="htbi_MeasurementInputDiscountSpreadMember" abstract="true" name="MeasurementInputDiscountSpreadMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="htbi_LoansReceivableMeasurementInput" abstract="false" name="LoansReceivableMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
</xs:schema>
