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  <xs:element id="htb_MunicipalLoansMember" abstract="true" name="MunicipalLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htb_OneToFourFamilyLoanMember" abstract="true" name="OneToFourFamilyLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htb_ExecutiveOfficersDirectorsAndAssociatesMember" abstract="true" name="ExecutiveOfficersDirectorsAndAssociatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htb_HELOCsLoanMember" abstract="true" name="HELOCsLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htb_FinancialAsset30To89DaysPastDueMember" abstract="true" name="FinancialAsset30To89DaysPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htb_InvestmentRealEstateMember" abstract="true" name="InvestmentRealEstateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htb_BusinessAssetsMember" abstract="true" name="BusinessAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htb_CertificatesofDepositWithBalancesof250orGreater" abstract="false" name="CertificatesofDepositWithBalancesof250orGreater" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htb_TimeDepositMaturitiesAfterYearFour" abstract="false" name="TimeDepositMaturitiesAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htb_FRBAdvancesMember" abstract="true" name="FRBAdvancesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htb_FRBMember" abstract="true" name="FRBMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htb_UnaffiliatedBanksMember" abstract="true" name="UnaffiliatedBanksMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htb_DebtInstrumentNumberofBankswithLinesofCredit" abstract="false" name="DebtInstrumentNumberofBankswithLinesofCredit" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="htb_LesseeOperatingLeaseLiabilityToBePaidAfterYearFour" abstract="false" name="LesseeOperatingLeaseLiabilityToBePaidAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htb_LessorOperatingLeasePaymentToBeReceivedAfterYearFour" abstract="false" name="LessorOperatingLeasePaymentToBeReceivedAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htb_SalesTypeAndDirectFinancingLeasesLeaseReceivableToBeReceivedAfterYearFour" abstract="false" name="SalesTypeAndDirectFinancingLeasesLeaseReceivableToBeReceivedAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htb_A2022OmnibusIncentivePlanMember" abstract="true" name="A2022OmnibusIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htb_SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsNonvestedWeightedAverageRemainingContractualTerm" abstract="false" name="SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsNonvestedWeightedAverageRemainingContractualTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="htb_SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsNonvestedIntrinsicValue" abstract="false" name="SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsNonvestedIntrinsicValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htb_PerformanceBasedRestrictedStockUnitsMember" abstract="true" name="PerformanceBasedRestrictedStockUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htb_LoanAndLeasesReceivableCommitments" abstract="false" name="LoanAndLeasesReceivableCommitments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htb_LoanCommitmentsWithFixedRateInterestRange" abstract="false" name="LoanCommitmentsWithFixedRateInterestRange" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="htb_LoanCommitmentsTerms" abstract="false" name="LoanCommitmentsTerms" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="htb_CommittedCapitalSBICInvestments" abstract="false" name="CommittedCapitalSBICInvestments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htb_NumberOfSBICInvestmentsForCommittedCapital" abstract="false" name="NumberOfSBICInvestmentsForCommittedCapital" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="htb_CommittedCapitalSBICInvestmentsRemainingToBeDrawn" abstract="false" name="CommittedCapitalSBICInvestmentsRemainingToBeDrawn" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htb_CommittedCapitalSolarTaxEquityInvestment" abstract="false" name="CommittedCapitalSolarTaxEquityInvestment" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htb_CommittedCapitalSolarTaxEquityInvestmentRemainingToBeDrawn" abstract="false" name="CommittedCapitalSolarTaxEquityInvestmentRemainingToBeDrawn" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htb_LoansheldforsaleMember" abstract="false" name="LoansheldforsaleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htb_CashAndInterestBearingDepositsMember" abstract="false" name="CashAndInterestBearingDepositsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htb_CertificatesofdepositinotherbanksMember" abstract="false" name="CertificatesofdepositinotherbanksMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htb_SecuritiesavailableforsaleMember" abstract="false" name="SecuritiesavailableforsaleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htb_LoansHeldForSaleFairValueMember" abstract="true" name="LoansHeldForSaleFairValueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htb_LoansHeldForSaleAtLowerOfCostOrFairValueMember" abstract="true" name="LoansHeldForSaleAtLowerOfCostOrFairValueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htb_LoansNetMember" abstract="false" name="LoansNetMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htb_AccruedinterestreceivableMember" abstract="false" name="AccruedinterestreceivableMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htb_NoninterestBearingAndNOWDepositsMember" abstract="false" name="NoninterestBearingAndNOWDepositsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htb_MoneyMarketAccountsMember" abstract="false" name="MoneyMarketAccountsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htb_SavingsAccountsMember" abstract="false" name="SavingsAccountsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htb_CertificatesOfDepositMember1Member" abstract="false" name="CertificatesOfDepositMember1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htb_OtherBorrowingsMember" abstract="false" name="OtherBorrowingsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htb_AccruedInterestPayableMember" abstract="false" name="AccruedInterestPayableMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htb_FinancialInstrumentsOwned" abstract="false" name="FinancialInstrumentsOwned" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htb_LoansReceivableREOMember" abstract="true" name="LoansReceivableREOMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htb_MeasurementInputCollateralDiscountRateMember" abstract="true" name="MeasurementInputCollateralDiscountRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htb_MeasurementInputDiscountSpreadMember" abstract="true" name="MeasurementInputDiscountSpreadMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htb_LoansReceivableMeasurementInput" abstract="false" name="LoansReceivableMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
</xs:schema>
