8-K
HOME BANCORP, INC. (HBCP)
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
| Date of Report (Date of earliest event reported) | January 26, 2026 | ||||
|---|---|---|---|---|---|
| Home Bancorp, Inc. | |||||
| --- | |||||
| (Exact name of registrant as specified in its charter) | Louisiana | 001-34190 | 71-1051785 | ||
| --- | --- | --- | |||
| (State or other jurisdiction of incorporation) | (Commission File Number) | (IRS Employer Identification No.) | 503 Kaliste Saloom Road, Lafayette, Louisiana | 70508 | |
| --- | --- | ||||
| (Address of principal executive offices) | (Zip Code) | Registrant’s telephone number, including area code | (337) 237-1960 | ||
| --- | --- | N/A | |||
| --- | |||||
| (Former name or former address, if changed since last report) |
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2 below):
| ☐ | Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) |
|---|---|
| ☐ | Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) |
| ☐ | Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) |
| ☐ | Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) |
Securities registered pursuant to Section 12(b) of the Act:
| Title of each class | Trading symbol(s) | Name of each exchange on which registered |
|---|---|---|
| Common Stock | HBCP | Nasdaq Stock Market |
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨
| Item 2.02 | Results of Operations and Financial Condition |
|---|
On January 26, 2026, the Registrant announced its results of operations for the quarter ended December 31, 2025. A copy of the related press release (the "Press Release") is attached as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated by reference herein. The Press Release attached hereto is being furnished to the SEC and shall not be deemed "filed" for any purpose except as otherwise provided herein.
| Item 7.01 | Regulation FD Disclosure |
|---|
On January 26, 2026, the Registrant made available the supplemental information attached as Exhibit 99.2 prepared for use with the press release.
The investor presentation attached hereto as Exhibit 99.2 and incorporated herein by reference is being furnished pursuant to this Item 7.01 and shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), or otherwise subject to the liabilities of that section, and it shall not be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or under the Exchange Act, whether made before or after the date hereof, except as expressly set forth by specific reference in such filing to this Current Report on Form 8-K.
| Item 8.01 | Other Events |
|---|
On January 26, 2026, the Registrant announced that its Board of Directors declared a cash dividend in the amount of $0.31 per share. The cash dividend will be paid on February 20, 2026 to shareholders of record at the close of business on February 9, 2026.
| Item 9.01 | Financial Statements and Exhibits |
|---|
(a)Not applicable.
(b)Not applicable.
(c)Not applicable.
(d)Exhibits
The following exhibit is filed herewith.
| Exhibit Number | Description |
|---|---|
| 99.1 | Press Release - Results of Operations and Financial Condition, dated January 26, 2026 |
| 99.2 | Home Bancorp, Inc. Investor Presentation - Q4 2025 Results |
| 104 | The cover page of Home Bancorp, Inc.'s Form 8-K is formatted in Inline XBRL |
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
| HOME BANCORP, INC. | ||
|---|---|---|
| Date: January 26, 2026 | By: | /s/ John W. Bordelon |
| John W. Bordelon | ||
| Chairman of the Board, President and Chief Executive Officer |
Document
For further information contact:
John W. Bordelon, Chairman of the Board, President and CEO
(337) 237-1960
| Release Date: | January 26, 2026 |
|---|---|
| For Immediate Release |
HOME BANCORP ANNOUNCES 2025 FOURTH QUARTER RESULTS
AND DECLARES A QUARTERLY DIVIDEND
Lafayette, Louisiana – Home Bancorp, Inc. (Nasdaq: “HBCP”) (the “Company”), the parent company for Home Bank, N.A. (the “Bank”) (www.home24bank.com), reported financial results for the fourth quarter of 2025. For the quarter, the Company reported net income of $11.4 million, or $1.46 per diluted common share (“diluted EPS”), down $946,000, or 8%, from $12.4 million, or $1.59 diluted EPS, for the third quarter of 2025.
“We are pleased with our overall fourth quarter and full year results," said John W. Bordelon, President and Chief Executive Officer of the Company and the Bank. “During the fourth quarter, loan production increased and core deposits grew. Nonperforming assets increased for the quarter, but we do not anticipate any material losses. The net interest margin decreased to 4.06% for the quarter primarily due to lower loan yield and our ability to manage lower funding cost. The majority of our Certificates of Deposit will reprice within 120 days, which should continue to reduce deposit costs and have a positive impact on NIM. We remain well positioned to assist our customers with opportunities in the new year.”
Fourth Quarter 2025 Highlights
•Loans totaled $2.7 billion at December 31, 2025, up $38.1 million, or 1%, (an increase of 6% on an annualized basis), from September 30, 2025.
•Deposits totaled $3.0 billion at December 31, 2025, down $2.7 million, or less than 1% for the quarter and on an annualized basis, from September 30, 2025. Core deposits increased $24.5 million, or 1% during the fourth quarter of 2025 to $2.2 billion (an increase of 5% on an annualized basis).
•Net interest income in the fourth quarter of 2025 totaled $34.0 million, down $58,000, or less than 1%, from the prior quarter.
•The net interest margin ("NIM") decreased 4 basis points from 4.10% for the third quarter of 2025 to 4.06% in the fourth quarter of 2025 primarily due to lower yield on interest-earning assets, partially offset by lower funding cost.
•Nonperforming assets totaled $36.1 million, or 1.03% of total assets, at December 31, 2025, up $5.2 million, or 17%, from September 30, 2025, primarily due to two loan relationships which were moved to nonaccrual status, partially offset by paydowns in the fourth quarter of 2025.
•The Company recorded a $480,000 provision to the allowance for loan losses in the fourth quarter of 2025, compared to a $229,000 reversal to provision in the third quarter of 2025, primarily due to loan growth.
•Net loan charge-offs were $165,000 for the fourth quarter of 2025, compared to net loan charge-offs of $376,000 during the third quarter of 2025. Year-to-date net loan charge-offs to average loans was 0.03% for the year ended December 31, 2025.
Loans
Loans totaled $2.7 billion at December 31, 2025, up $38.1 million, or 1%, from September 30, 2025. The following table summarizes the changes in the Company’s loan portfolio from September 30, 2025 to December 31, 2025.
| December 31, | September 30, | Increase (Decrease) | ||||||
|---|---|---|---|---|---|---|---|---|
| (dollars in thousands) | 2025 | 2025 | Amount | Percent | ||||
| Real estate loans: | ||||||||
| One- to four-family first mortgage | $ | 493,446 | $ | 490,600 | $ | 2,846 | 1 | % |
| Home equity loans and lines | 92,574 | 86,885 | 5,689 | 7 | ||||
| Commercial real estate | 1,190,388 | 1,175,384 | 15,004 | 1 | ||||
| Construction and land | 329,227 | 325,725 | 3,502 | 1 | ||||
| Multi-family residential | 177,825 | 184,022 | (6,197) | (3) | ||||
| Total real estate loans | 2,283,460 | 2,262,616 | 20,844 | 1 | ||||
| Other loans: | ||||||||
| Commercial and industrial | 430,517 | 413,590 | 16,927 | 4 | ||||
| Consumer | 30,046 | 29,689 | 357 | 1 | ||||
| Total other loans | 460,563 | 443,279 | 17,284 | 4 | ||||
| Total loans | $ | 2,744,023 | $ | 2,705,895 | $ | 38,128 | 1 | % |
The average loan yield was 6.44% for the fourth quarter of 2025, down 9 basis points from the third quarter of 2025. The average loan yield began to decline in mid-September 2025 following the Federal Reserve rate cuts. Commercial and industrial and commercial real estate loans were the primary drivers for the loan growth during the fourth quarter of 2025. We experienced growth across most of our markets, primarily within our New Orleans and Acadiana markets.
Credit Quality and Allowance for Loan Losses
Nonperforming assets (“NPAs”) totaled $36.1 million, or 1.03% of total assets at December 31, 2025, up $5.2 million, or 17%, from $30.9 million, or 0.88% of total assets, at September 30, 2025. The increase in NPAs during the fourth quarter of 2025 was primarily due to two loan relationships totaling $5.7 million, which were put on nonaccrual during the quarter, partially offset by payoffs and paydowns. The Company recorded net loan charge-offs of $165,000 during the fourth quarter of 2025, compared to net loan charge-offs of $376,000 during the third quarter of 2025.
The Company made a $480,000 provision to the allowance for loan losses in the fourth quarter of 2025 primarily due to loan growth. For the year ended December 31, 2025, provisions to the allowance for loan losses totaled $1.1 million. At December 31, 2025, the allowance for loan losses totaled $33.1 million, or 1.21% of total loans, compared to $32.8 million, or 1.21% of total loans, at September 30, 2025. Changes in expected losses are based on various factors, including the changing economic activity, borrower specific information impacting changes in risk ratings, projected delinquencies and the impact of industry-wide loan modification efforts, among other factors.
The following tables present the Company’s loan portfolio by credit quality classification as of December 31, 2025 and September 30, 2025.
| December 31, 2025 | ||||||||
|---|---|---|---|---|---|---|---|---|
| (dollars in thousands) | Pass | Special Mention | Substandard | Total | ||||
| One- to four-family first mortgage | $ | 486,453 | $ | — | $ | 6,993 | $ | 493,446 |
| Home equity loans and lines | 91,232 | 811 | 531 | 92,574 | ||||
| Commercial real estate | 1,155,097 | 2,947 | 32,344 | 1,190,388 | ||||
| Construction and land | 312,994 | 866 | 15,367 | 329,227 | ||||
| Multi-family residential | 176,227 | — | 1,598 | 177,825 | ||||
| Commercial and industrial | 426,265 | — | 4,252 | 430,517 | ||||
| Consumer | 30,000 | — | 46 | 30,046 | ||||
| Total | $ | 2,678,268 | $ | 4,624 | $ | 61,131 | $ | 2,744,023 |
| September 30, 2025 | ||||||||
| (dollars in thousands) | Pass | Special Mention | Substandard | Total | ||||
| One- to four-family first mortgage | $ | 483,737 | $ | — | $ | 6,863 | $ | 490,600 |
| Home equity loans and lines | 85,877 | — | 1,008 | 86,885 | ||||
| Commercial real estate | 1,140,742 | 3,067 | 31,575 | 1,175,384 | ||||
| Construction and land | 314,986 | 892 | 9,847 | 325,725 | ||||
| Multi-family residential | 182,731 | — | 1,291 | 184,022 | ||||
| Commercial and industrial | 406,591 | — | 6,999 | 413,590 | ||||
| Consumer | 29,629 | — | 60 | 29,689 | ||||
| Total | $ | 2,644,293 | $ | 3,959 | $ | 57,643 | $ | 2,705,895 |
Investment Securities
The Company's investment securities portfolio totaled $392.5 million at December 31, 2025, an increase of $8.1 million, or 2%, from September 30, 2025. At December 31, 2025, the Company had a net unrealized loss position on its investment securities of $23.4 million, compared to a net unrealized loss of $26.5 million at September 30, 2025. The Company’s investment securities portfolio had an effective duration of 3.3 years and 3.5 years at December 31, 2025 and September 30, 2025, respectively. The Company made securities purchases of $14.4 million during the fourth quarter of 2025, compared to $4.3 million during third quarter of 2025. The Company had no securities sales during the year ended December 31, 2025.
The following table summarizes the composition of the Company's investment securities portfolio at December 31, 2025.
| (dollars in thousands) | Amortized Cost | Fair Value | ||
|---|---|---|---|---|
| Available for sale: | ||||
| U.S. agency mortgage-backed | $ | 284,749 | $ | 267,650 |
| Collateralized mortgage obligations | 61,185 | 60,327 | ||
| Municipal bonds | 53,018 | 48,147 | ||
| U.S. government agency | 11,441 | 11,003 | ||
| Corporate bonds | 4,491 | 4,321 | ||
| Total available for sale | $ | 414,884 | $ | 391,448 |
| Held to maturity: | ||||
| Municipal bonds | $ | 1,065 | $ | 1,066 |
| Total held to maturity | $ | 1,065 | $ | 1,066 |
Approximately 36% of the investment securities portfolio was pledged as of December 31, 2025 to secure public deposits. As of December 31, 2025 and September 30, 2025, the Company had $140.1 million and $140.2 million, respectively, of securities pledged to secure public deposits.
Deposits
Total deposits were $3.0 billion at December 31, 2025, down $2.7 million, or less than 1%, from September 30, 2025. Non-maturity deposits increased $24.5 million, or 1%, during the fourth quarter of 2025 to $2.2 billion. The following table summarizes the changes in the Company’s deposits from September 30, 2025 to December 31, 2025.
| December 31, | September 30, | Increase/(Decrease) | ||||||
|---|---|---|---|---|---|---|---|---|
| (dollars in thousands) | 2025 | 2025 | Amount | Percent | ||||
| Demand deposits | $ | 792,951 | $ | 801,974 | $ | (9,023) | (1) | % |
| Savings | 201,265 | 200,135 | 1,130 | 1 | ||||
| Money market | 518,740 | 499,404 | 19,336 | 4 | ||||
| NOW | 654,227 | 641,204 | 13,023 | 2 | ||||
| Certificates of deposit | 805,623 | 832,786 | (27,163) | (3) | ||||
| Total deposits | $ | 2,972,806 | $ | 2,975,503 | $ | (2,697) | — | % |
The average rate on interest-bearing deposits decreased 6 basis points from 2.57% for the third quarter of 2025 to 2.51% for the fourth quarter of 2025. At December 31, 2025, certificates of deposit maturing within the next 12 months totaled $781.2 million, or 97% of total certificates of deposit.
We obtain most of our deposits from individuals, small businesses and public funds in our market areas. The following table presents our deposits per customer type for the periods indicated.
| December 31, 2025 | September 30, 2025 | |
|---|---|---|
| Individuals | 52% | 52% |
| Small businesses | 39 | 39 |
| Public funds | 6 | 6 |
| Broker | 3 | 3 |
| Total | 100% | 100% |
The total amounts of our uninsured deposits (deposits in excess of $250,000, as calculated in accordance with FDIC regulations) were $885.4 million at December 31, 2025 and $894.8 million at September 30, 2025. Public funds in excess of the FDIC insurance limits are fully collateralized.
Net Interest Income
The net interest margin ("NIM") decreased 4 basis points from 4.10% for the third quarter of 2025 to 4.06% for the fourth quarter of 2025 primarily due to lower yield on interest-earning assets, which was offset with lower funding cost for average interest-bearing liabilities.
Average other interest-earning assets were $163.1 million for the fourth quarter of 2025, up $63.4 million, or 64%, from the third quarter of 2025 primarily due to an increase in the average balance of cash and cash equivalents.
The average rate paid on total interest-bearing deposits was 2.51% for the fourth quarter of 2025, down 6 basis points from the third quarter of 2025, due to the lower funding cost. The average rate paid on certificate of deposits was 3.83% for the fourth quarter of 2025, down 2 basis points from the third quarter of 2025.
Average FHLB advances were $3.0 million for the fourth quarter of 2025, a decrease of $36.4 million, or 92%, from the third quarter of 2025 due to paydowns of FHLB advances.
Loan accretion income from acquired loans totaled $242,000 for the fourth quarter of 2025, down $105,000, or 30%, compared to the third quarter of 2025.
Noninterest Income
Noninterest income for the fourth quarter of 2025 totaled $4.0 million, up $260,000, or 7%, from the third quarter of 2025. The increase was related primarily to increases in other income (up $174,000), gains on sale of loans (up $81,000) and service fees and charges (up $30,000), which were partially offset by decreases in bank card fees (down $22,000) for the fourth quarter of 2025 compared to the third quarter of 2025.
Noninterest Expense
Noninterest expense for the fourth quarter of 2025 totaled $23.0 million, up $515,000, or 2%, compared to the third quarter of 2025. The increase was primarily due to increases in other noninterest expense (up $637,000) and compensation and benefits (up $443,000), which were partially offset by decreases in foreclosed assets, net (down $323,000), occupancy expense (down $138,000) and a reversal to the allowance for credit losses on unfunded commitments (down $105,000) for the fourth quarter of 2025 compared to the third quarter of 2025.
Capital and Liquidity
At December 31, 2025, shareholders’ equity totaled $435.1 million, up $12.1 million, or 3%, compared to $423.0 million at September 30, 2025. The increase was primarily due to the Company’s earnings of $11.4 million and a decrease in the accumulated other comprehensive loss on available for sale investment securities during the fourth quarter of 2025, which were partially offset by shareholders' dividends. The market value of the Company's available for sale securities at December 31, 2025 increased $3.1 million, or 12%, during the fourth quarter of 2025. Preliminary Tier 1 leverage capital and total risk-based capital ratios were 11.84% and 15.29%, respectively, at December 31, 2025, compared to 11.80% and 15.24%, respectively, at September 30, 2025.
Dividend and Share Repurchases
The Company announced that its Board of Directors declared a quarterly cash dividend on shares of its common stock of $0.31 per share (unchanged from the previous quarterly cash dividend) payable on February 20, 2026, to shareholders of record as of February 9, 2026.
The Company repurchased 750 shares of its common stock during the fourth quarter of 2025 at an average price per share of $59.97. At December 31, 2025, an additional 390,222 shares remain eligible for purchase under the 2025 Repurchase Plan. The book value per share and tangible book value per share of the Company’s common stock was $55.56 and $44.84, respectively, at December 31, 2025.
Conference Call
Executive management will host a conference call to discuss fourth quarter 2025 results on Tuesday, January 27, 2026 at 10:30 a.m. CDT. Analysts, investors and interested parties may attend the conference call by dialing toll free 1.646.357.8785 (US Local/International) or 1.800.836.8184 (US Toll Free). The investor presentation can be accessed the day of the presentation on the Home Bancorp, Inc. website at https://home24bank.investorroom.com.
A replay of the conference call and a transcript of the call will be posted to the Investor Relations page of the Company's website, https://home24bank.investorroom.com.
Non-GAAP Reconciliation
This news release contains financial information determined by methods other than in accordance with generally accepted accounting principles (“GAAP”). The Company's management uses this non-GAAP financial information in its analysis of the Company's performance. In this news release, information is included which excludes intangible assets. Management believes the presentation of this non-GAAP financial information provides useful information that is helpful to a full understanding of the Company’s financial position and operating results. This non-GAAP financial information should not be viewed as a substitute for financial information determined in accordance with GAAP, nor is it necessarily comparable to non-GAAP financial information presented by other companies. A reconciliation of non-GAAP information included herein to GAAP is presented below.
| Quarter Ended | |||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| (dollars in thousands, except per share data) | 12/31/2025 | 9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 | ||||||||||
| Reported net income | $ | 11,411 | $ | 12,357 | $ | 11,330 | $ | 10,964 | $ | 9,673 | |||||
| Add: Core deposit intangible amortization, net tax | 203 | 212 | 213 | 231 | 250 | ||||||||||
| Non-GAAP tangible income | $ | 11,614 | $ | 12,569 | $ | 11,543 | $ | 11,195 | $ | 9,923 | |||||
| Total assets | $ | 3,492,626 | $ | 3,494,074 | $ | 3,491,455 | $ | 3,485,453 | $ | 3,443,668 | |||||
| Less: Intangible assets | 83,957 | 84,214 | 84,482 | 84,751 | 85,044 | ||||||||||
| Non-GAAP tangible assets | $ | 3,408,669 | $ | 3,409,860 | $ | 3,406,973 | $ | 3,400,702 | $ | 3,358,624 | |||||
| Total shareholders’ equity | $ | 435,094 | $ | 423,044 | $ | 408,818 | $ | 402,831 | $ | 396,088 | |||||
| Less: Intangible assets | 83,957 | 84,214 | 84,482 | 84,751 | 85,044 | ||||||||||
| Non-GAAP tangible shareholders’ equity | $ | 351,137 | $ | 338,830 | $ | 324,336 | $ | 318,080 | $ | 311,044 | |||||
| Return on average equity | 10.52 | % | 11.78 | % | 11.24 | % | 11.02 | % | 9.71 | % | |||||
| Add: Average intangible assets | 2.79 | 3.24 | 3.24 | 3.23 | 2.99 | ||||||||||
| Non-GAAP return on average tangible common equity | 13.31 | % | 15.02 | % | 14.48 | % | 14.25 | % | 12.70 | % | |||||
| Common equity ratio | 12.46 | % | 12.11 | % | 11.71 | % | 11.56 | % | 11.50 | % | |||||
| Less: Intangible assets | 2.16 | 2.17 | 2.19 | 2.21 | 2.24 | ||||||||||
| Non-GAAP tangible common equity ratio | 10.30 | % | 9.94 | % | 9.52 | % | 9.35 | % | 9.26 | % | |||||
| Book value per share | $ | 55.56 | $ | 54.05 | $ | 52.36 | $ | 50.82 | $ | 48.95 | |||||
| Less: Intangible assets | 10.72 | 10.76 | 10.82 | 10.69 | 10.51 | ||||||||||
| Non-GAAP tangible book value per share | $ | 44.84 | $ | 43.29 | $ | 41.54 | $ | 40.13 | $ | 38.44 |
This news release contains certain forward-looking statements. Forward-looking statements can be identified by the fact that they do not relate strictly to historical or current facts. They often include the words “believe,” “expect,” “anticipate,” “intend,” “plan,” “estimate” or words of similar meaning, or future or conditional verbs such as “will,” “would,” “should,” “could” or “may.”
Forward-looking statements, by their nature, are subject to risks and uncertainties. A number of factors - many of which are beyond our control - could cause actual conditions, events or results to differ significantly from those described in the forward-looking statements. Home Bancorp’s Annual Report on Form 10-K for the year ended December 31, 2024, describes some of these factors, including risk elements in the loan portfolio, risks related to our deposit actives, the level of the allowance for credit losses, risks of our growth strategy, geographic concentration of our business, dependence on our management team, risks of market rates of interest and of regulation on our business and risks of competition. Forward-looking statements speak only as of the date they are made. We do not undertake to update forward-looking statements to reflect circumstances or events that occur after the date the forward-looking statements are made or to reflect the occurrence of unanticipated events.
| HOME BANCORP, INC. AND SUBSIDIARY | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| CONDENSED STATEMENTS OF FINANCIAL CONDITION | ||||||||||||||||||
| (Unaudited) | ||||||||||||||||||
| (dollars in thousands) | 12/31/2025 | 9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 | |||||||||||||
| Assets | ||||||||||||||||||
| Cash and cash equivalents | $ | 141,605 | $ | 189,324 | $ | 112,595 | $ | 110,662 | $ | 98,548 | ||||||||
| Investment securities available for sale, at fair value | 391,448 | 383,340 | 393,462 | 400,553 | 402,792 | |||||||||||||
| Investment securities held to maturity | 1,065 | 1,065 | 1,065 | 1,065 | 1,065 | |||||||||||||
| Mortgage loans held for sale | 1,558 | 1,932 | 1,305 | 1,855 | 832 | |||||||||||||
| Loans, net of unearned income | 2,744,023 | 2,705,895 | 2,764,538 | 2,747,277 | 2,718,185 | |||||||||||||
| Allowance for loan losses | (33,142) | (32,827) | (33,432) | (33,278) | (32,916) | |||||||||||||
| Total loans, net of allowance for loan losses | 2,710,881 | 2,673,068 | 2,731,106 | 2,713,999 | 2,685,269 | |||||||||||||
| Office properties and equipment, net | 48,995 | 45,223 | 45,216 | 45,327 | 42,324 | |||||||||||||
| Cash surrender value of bank-owned life insurance | 49,557 | 49,269 | 48,981 | 48,699 | 48,421 | |||||||||||||
| Goodwill and core deposit intangibles | 83,957 | 84,214 | 84,482 | 84,751 | 85,044 | |||||||||||||
| Accrued interest receivable and other assets | 63,560 | 66,639 | 73,243 | 78,542 | 79,373 | |||||||||||||
| Total Assets | $ | 3,492,626 | $ | 3,494,074 | $ | 3,491,455 | $ | 3,485,453 | $ | 3,443,668 | ||||||||
| Liabilities | ||||||||||||||||||
| Deposits | $ | 2,972,806 | $ | 2,975,503 | $ | 2,908,234 | $ | 2,827,207 | $ | 2,780,696 | ||||||||
| Other Borrowings | — | 5,539 | 5,539 | 5,539 | 5,539 | |||||||||||||
| Subordinated debt, net of issuance cost | 54,675 | 54,621 | 54,567 | 54,513 | 54,459 | |||||||||||||
| Federal Home Loan Bank advances | 3,024 | 3,059 | 88,196 | 163,259 | 175,546 | |||||||||||||
| Accrued interest payable and other liabilities | 27,027 | 32,308 | 26,101 | 32,104 | 31,340 | |||||||||||||
| Total Liabilities | 3,057,532 | 3,071,030 | 3,082,637 | 3,082,622 | 3,047,580 | |||||||||||||
| Shareholders' Equity | ||||||||||||||||||
| Common stock | 78 | 78 | 78 | 79 | 81 | |||||||||||||
| Additional paid-in capital | 168,963 | 168,016 | 166,576 | 167,231 | 168,138 | |||||||||||||
| Common stock acquired by benefit plans | (982) | (1,071) | (1,160) | (1,250) | (1,339) | |||||||||||||
| Retained earnings | 284,834 | 275,912 | 265,817 | 261,856 | 259,190 | |||||||||||||
| Accumulated other comprehensive loss | (17,799) | (19,891) | (22,493) | (25,085) | (29,982) | |||||||||||||
| Total Shareholders' Equity | 435,094 | 423,044 | 408,818 | 402,831 | 396,088 | |||||||||||||
| Total Liabilities and Shareholders' Equity | $ | 3,492,626 | $ | 3,494,074 | $ | 3,491,455 | $ | 3,485,453 | $ | 3,443,668 | ||||||||
| HOME BANCORP, INC. AND SUBSIDIARY | ||||||||||||||||||
| --- | --- | --- | --- | --- | --- | --- | ||||||||||||
| CONDENSED STATEMENTS OF INCOME | ||||||||||||||||||
| (Unaudited) | ||||||||||||||||||
| Three Months Ended | Twelve Months Ended | |||||||||||||||||
| (dollars in thousands, except per share data) | 12/31/2025 | 9/30/2025 | 12/31/2024 | 12/31/2025 | 12/31/2024 | |||||||||||||
| Interest Income | ||||||||||||||||||
| Loans, including fees | $ | 44,548 | $ | 45,607 | $ | 43,978 | $ | 179,474 | $ | 170,255 | ||||||||
| Investment securities | 2,530 | 2,504 | 2,703 | 10,294 | 10,908 | |||||||||||||
| Other investments and deposits | 1,642 | 1,111 | 1,123 | 4,004 | 3,604 | |||||||||||||
| Total interest income | 48,720 | 49,222 | 47,804 | 193,772 | 184,767 | |||||||||||||
| Interest Expense | ||||||||||||||||||
| Deposits | 13,808 | 13,805 | 13,606 | 53,377 | 52,780 | |||||||||||||
| Other borrowings | 8 | 54 | 1,279 | 168 | 6,094 | |||||||||||||
| Subordinated debt expense | 845 | 845 | 848 | 3,379 | 3,381 | |||||||||||||
| Federal Home Loan Bank advances | 11 | 412 | 485 | 3,594 | 2,250 | |||||||||||||
| Total interest expense | 14,672 | 15,116 | 16,218 | 60,518 | 64,505 | |||||||||||||
| Net interest income | 34,048 | 34,106 | 31,586 | 133,254 | 120,262 | |||||||||||||
| Provision (reversal) for loan losses | 480 | (229) | 873 | 1,134 | 2,415 | |||||||||||||
| Net interest income after provision for loan losses | 33,568 | 34,335 | 30,713 | 132,120 | 117,847 | |||||||||||||
| Noninterest Income | ||||||||||||||||||
| Service fees and charges | 1,438 | 1,408 | 1,334 | 5,500 | 5,118 | |||||||||||||
| Bank card fees | 1,624 | 1,646 | 1,586 | 6,598 | 6,525 | |||||||||||||
| Gain on sale of loans, net | 225 | 144 | 62 | 860 | 470 | |||||||||||||
| Income from bank-owned life insurance | 289 | 288 | 282 | 1,136 | 1,100 | |||||||||||||
| (Loss) gain on sale of assets, net | (4) | — | 39 | 3 | 33 | |||||||||||||
| Other income | 426 | 252 | 326 | 1,364 | 1,379 | |||||||||||||
| Total noninterest income | 3,998 | 3,738 | 3,629 | 15,461 | 14,625 | |||||||||||||
| Noninterest Expense | ||||||||||||||||||
| Compensation and benefits | 13,974 | 13,531 | 13,314 | 53,479 | 51,330 | |||||||||||||
| Occupancy | 2,406 | 2,544 | 2,342 | 10,024 | 10,131 | |||||||||||||
| Marketing and advertising | 560 | 515 | 667 | 1,965 | 2,000 | |||||||||||||
| Data processing and communication | 2,548 | 2,556 | 2,526 | 10,374 | 10,241 | |||||||||||||
| Professional fees | 401 | 406 | 416 | 1,608 | 1,922 | |||||||||||||
| Forms, printing and supplies | 224 | 175 | 214 | 802 | 794 | |||||||||||||
| Franchise and shares tax | 434 | 475 | 400 | 1,868 | 1,863 | |||||||||||||
| Regulatory fees | 431 | 459 | 483 | 1,908 | 1,954 | |||||||||||||
| Foreclosed assets, net | 54 | 377 | 125 | 1,077 | 341 | |||||||||||||
| Amortization of acquisition intangible | 257 | 268 | 317 | 1,087 | 1,328 | |||||||||||||
| (Reversal) provision for credit losses on unfunded commitments | (105) | — | 240 | (1,075) | 106 | |||||||||||||
| Other expenses | 1,862 | 1,225 | 1,311 | 6,446 | 5,279 | |||||||||||||
| Total noninterest expense | 23,046 | 22,531 | 22,355 | 89,563 | 87,289 | |||||||||||||
| Income before income tax expense | 14,520 | 15,542 | 11,987 | 58,018 | 45,183 | |||||||||||||
| Income tax expense | 3,109 | 3,185 | 2,314 | 11,956 | 8,756 | |||||||||||||
| Net income | $ | 11,411 | $ | 12,357 | $ | 9,673 | $ | 46,062 | $ | 36,427 | ||||||||
| Earnings per share - basic | $ | 1.48 | $ | 1.60 | $ | 1.22 | $ | 5.93 | $ | 4.58 | ||||||||
| Earnings per share - diluted | $ | 1.46 | $ | 1.59 | $ | 1.21 | $ | 5.87 | $ | 4.55 | ||||||||
| Cash dividends declared per common share | $ | 0.31 | $ | 0.29 | $ | 0.26 | $ | 1.14 | $ | 1.01 | ||||||||
| HOME BANCORP, INC. AND SUBSIDIARY | ||||||||||||||||||
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | |||||||||
| SUMMARY FINANCIAL INFORMATION | ||||||||||||||||||
| (Unaudited) | ||||||||||||||||||
| Three Months Ended | Twelve Months Ended | |||||||||||||||||
| (dollars in thousands, except per share data) | 12/31/2025 | 9/30/2025 | 12/31/2024 | 12/31/2025 | 12/31/2024 | |||||||||||||
| EARNINGS DATA | ||||||||||||||||||
| Total interest income | $ | 48,720 | $ | 49,222 | $ | 47,804 | $ | 193,772 | $ | 184,767 | ||||||||
| Total interest expense | 14,672 | 15,116 | 16,218 | 60,518 | 64,505 | |||||||||||||
| Net interest income | 34,048 | 34,106 | 31,586 | 133,254 | 120,262 | |||||||||||||
| Provision (reversal) for loan losses | 480 | (229) | 873 | 1,134 | 2,415 | |||||||||||||
| Total noninterest income | 3,998 | 3,738 | 3,629 | 15,461 | 14,625 | |||||||||||||
| Total noninterest expense | 23,046 | 22,531 | 22,355 | 89,563 | 87,289 | |||||||||||||
| Income tax expense | 3,109 | 3,185 | 2,314 | 11,956 | 8,756 | |||||||||||||
| Net income | $ | 11,411 | $ | 12,357 | $ | 9,673 | $ | 46,062 | $ | 36,427 | ||||||||
| AVERAGE BALANCE SHEET DATA | ||||||||||||||||||
| Total assets | $ | 3,501,957 | $ | 3,467,070 | $ | 3,439,925 | $ | 3,473,442 | $ | 3,386,721 | ||||||||
| Total interest-earning assets | 3,288,830 | 3,255,291 | 3,232,896 | 3,261,733 | 3,183,952 | |||||||||||||
| Total loans | 2,716,382 | 2,743,695 | 2,686,188 | 2,742,263 | 2,652,669 | |||||||||||||
| PPP loans | 168 | 235 | 2,742 | 509 | 4,436 | |||||||||||||
| Total interest-bearing deposits | 2,183,431 | 2,128,540 | 2,035,579 | 2,110,057 | 1,982,064 | |||||||||||||
| Total interest-bearing liabilities | 2,241,895 | 2,228,117 | 2,250,699 | 2,252,653 | 2,222,067 | |||||||||||||
| Total deposits | 2,977,273 | 2,918,938 | 2,789,712 | 2,883,707 | 2,729,704 | |||||||||||||
| Total shareholders' equity | 430,198 | 416,239 | 396,163 | 413,657 | 381,196 | |||||||||||||
| PER SHARE DATA | ||||||||||||||||||
| Earnings per share - basic | $ | 1.48 | $ | 1.60 | $ | 1.22 | $ | 5.93 | $ | 4.58 | ||||||||
| Earnings per share - diluted | 1.46 | 1.59 | 1.21 | 5.87 | 4.55 | |||||||||||||
| Book value at period end | 55.56 | 54.05 | 48.95 | 55.56 | 48.95 | |||||||||||||
| Tangible book value at period end | 44.84 | 43.29 | 38.44 | 44.84 | 38.44 | |||||||||||||
| Shares outstanding at period end | 7,831,342 | 7,827,481 | 8,091,522 | 7,831,342 | 8,091,522 | |||||||||||||
| Weighted average shares outstanding | ||||||||||||||||||
| Basic | 7,726,157 | 7,712,707 | 7,944,629 | 7,773,161 | 7,955,619 | |||||||||||||
| Diluted | 7,795,826 | 7,782,979 | 7,993,852 | 7,845,853 | 8,004,672 | |||||||||||||
| SELECTED RATIOS (1) | ||||||||||||||||||
| Return on average assets | 1.29 | % | 1.41 | % | 1.12 | % | 1.33 | % | 1.08 | % | ||||||||
| Return on average equity | 10.52 | 11.78 | 9.71 | 11.14 | 9.56 | |||||||||||||
| Common equity ratio | 12.46 | 12.11 | 11.50 | 12.46 | 11.50 | |||||||||||||
| Efficiency ratio (2) | 60.57 | 59.54 | 63.48 | 60.22 | 64.71 | |||||||||||||
| Average equity to average assets | 12.28 | 12.01 | 11.52 | 11.91 | 11.26 | |||||||||||||
| Tier 1 leverage capital ratio (3) | 11.84 | 11.80 | 11.38 | 11.84 | 11.38 | |||||||||||||
| Total risk-based capital ratio (3) | 15.29 | 15.24 | 14.51 | 15.29 | 14.51 | |||||||||||||
| Net interest margin (4) | 4.06 | 4.10 | 3.82 | 4.03 | 3.71 | |||||||||||||
| SELECTED NON-GAAP RATIOS (1) | ||||||||||||||||||
| Tangible common equity ratio (5) | 10.30 | % | 9.94 | % | 9.26 | % | 10.30 | % | 9.26 | % | ||||||||
| Return on average tangible common equity (6) | 13.31 | 15.02 | 12.70 | 14.25 | 12.68 | |||||||||||||
| (1)With the exception of end-of-period ratios, all ratios are based on average daily balances during the respective periods.<br><br>(2)The efficiency ratio represents noninterest expense as a percentage of total revenues. Total revenues is the sum of net interest income and noninterest income.<br><br>(3)Capital ratios are preliminary end-of-period ratios for the Bank only and are subject to change.<br><br>(4)Net interest margin represents net interest income as a percentage of average interest-earning assets. Taxable equivalent yields are calculated using a marginal tax rate of 21%.<br><br>(5)Tangible common equity ratio is common shareholders' equity less intangible assets divided by total assets less intangible assets. See "Non-GAAP Reconciliation" for additional information.<br><br>(6)Return on average tangible common equity is net income plus amortization of core deposit intangible, net of taxes, divided by average common shareholders' equity less average intangible assets. See "Non-GAAP Reconciliation" for additional information. | ||||||||||||||||||
| --- | ||||||||||||||||||
| HOME BANCORP, INC. AND SUBSIDIARY | ||||||||||||||||||
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Consolidated Net Interest Margin | ||||||||||||||||||
| (Unaudited) | ||||||||||||||||||
| Three Months Ended | ||||||||||||||||||
| 12/31/2025 | 9/30/2025 | 12/31/2024 | ||||||||||||||||
| (dollars in thousands) | Average Balance | Interest | Average Yield/ Rate | Average Balance | Interest | Average Yield/ Rate | Average Balance | Interest | Average Yield/ Rate | |||||||||
| Interest-earning assets: | ||||||||||||||||||
| Loans receivable | $ | 2,716,382 | $ | 44,548 | 6.44 | % | $ | 2,743,695 | $ | 45,607 | 6.53 | % | $ | 2,686,188 | $ | 43,978 | 6.43 | % |
| Investment securities (TE)(1) | 409,391 | 2,530 | 2.49 | 411,889 | 2,504 | 2.45 | 449,216 | 2,703 | 2.42 | |||||||||
| Other interest-earning assets | 163,057 | 1,642 | 4.00 | 99,707 | 1,111 | 4.42 | 97,492 | 1,123 | 4.58 | |||||||||
| Total interest-earning assets | $ | 3,288,830 | $ | 48,720 | 5.83 | % | $ | 3,255,291 | $ | 49,222 | 5.95 | % | $ | 3,232,896 | $ | 47,804 | 5.82 | % |
| Interest-bearing liabilities: | ||||||||||||||||||
| Deposits: | ||||||||||||||||||
| Savings, checking, and money market | $ | 1,359,342 | $ | 5,860 | 1.71 | % | $ | 1,301,888 | $ | 5,783 | 1.76 | % | $ | 1,311,815 | $ | 5,721 | 1.73 | % |
| Certificates of deposit | 824,089 | 7,948 | 3.83 | 826,652 | 8,022 | 3.85 | 723,764 | 7,885 | 4.33 | |||||||||
| Total interest-bearing deposits | 2,183,431 | 13,808 | 2.51 | 2,128,540 | 13,805 | 2.57 | 2,035,579 | 13,606 | 2.66 | |||||||||
| Other borrowings | 783 | 8 | 4.19 | 5,539 | 54 | 3.80 | 107,767 | 1,279 | 4.72 | |||||||||
| Subordinated debt | 54,647 | 845 | 6.18 | 54,593 | 845 | 6.19 | 54,427 | 848 | 6.23 | |||||||||
| FHLB advances | 3,034 | 11 | 1.52 | 39,445 | 412 | 4.12 | 52,926 | 485 | 3.63 | |||||||||
| Total interest-bearing liabilities | $ | 2,241,895 | $ | 14,672 | 2.60 | % | $ | 2,228,117 | $ | 15,116 | 2.69 | % | $ | 2,250,699 | $ | 16,218 | 2.87 | % |
| Noninterest-bearing deposits | $ | 793,842 | $ | 790,398 | $ | 754,133 | ||||||||||||
| Net interest spread (TE)(1) | 3.23 | % | 3.26 | % | 2.95 | % | ||||||||||||
| Net interest margin (TE)(1) | 4.06 | % | 4.10 | % | 3.82 | % |
(1)Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%
| HOME BANCORP, INC. AND SUBSIDIARY | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Consolidated Net Interest Margin | ||||||||||||
| (Unaudited) | ||||||||||||
| Twelve Months Ended | ||||||||||||
| 12/31/2025 | 12/31/2024 | |||||||||||
| (dollars in thousands) | Average Balance | Interest | Average Yield/ Rate | Average Balance | Interest | Average Yield/ Rate | ||||||
| Interest-earning assets: | ||||||||||||
| Loans receivable | $ | 2,742,263 | $ | 179,474 | 6.47 | % | $ | 2,652,669 | $ | 170,255 | 6.33 | % |
| Investment securities (TE)(1) | 421,750 | 10,294 | 2.46 | 459,785 | 10,908 | 2.39 | ||||||
| Other interest-earning assets | 97,720 | 4,004 | 4.10 | 71,498 | 3,604 | 5.04 | ||||||
| Total interest-earning assets | $ | 3,261,733 | $ | 193,772 | 5.88 | % | $ | 3,183,952 | $ | 184,767 | 5.74 | % |
| Interest-bearing liabilities: | ||||||||||||
| Deposits: | ||||||||||||
| Savings, checking, and money market | $ | 1,316,199 | $ | 22,575 | 1.72 | % | $ | 1,277,083 | $ | 21,200 | 1.66 | % |
| Certificates of deposit | 793,858 | 30,802 | 3.88 | 704,981 | 31,580 | 4.48 | ||||||
| Total interest-bearing deposits | 2,110,057 | 53,377 | 2.53 | 1,982,064 | 52,780 | 2.66 | ||||||
| Other borrowings | 4,348 | 168 | 3.86 | 128,699 | 6,094 | 4.74 | ||||||
| Subordinated debt | 54,567 | 3,379 | 6.19 | 54,348 | 3,381 | 6.22 | ||||||
| FHLB advances | 83,681 | 3,594 | 4.24 | 56,956 | 2,250 | 3.92 | ||||||
| Total interest-bearing liabilities | $ | 2,252,653 | $ | 60,518 | 2.68 | % | $ | 2,222,067 | $ | 64,505 | 2.90 | % |
| Noninterest-bearing deposits | $ | 773,650 | $ | 747,640 | ||||||||
| Net interest spread (TE)(1) | 3.20 | % | 2.84 | % | ||||||||
| Net interest margin (TE)(1) | 4.03 | % | 3.71 | % |
(1)Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%.
| HOME BANCORP, INC. AND SUBSIDIARY | |||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SUMMARY CREDIT QUALITY INFORMATION | |||||||||||||||
| (Unaudited) | |||||||||||||||
| Three Months Ended | |||||||||||||||
| (dollars in thousands) | 12/31/2025 | 9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 | ||||||||||
| CREDIT QUALITY (1) | |||||||||||||||
| Nonaccrual loans: | |||||||||||||||
| One- to four-family first mortgage | $ | 6,531 | $ | 6,402 | $ | 6,272 | $ | 6,368 | $ | 7,039 | |||||
| Home equity loans and lines | 531 | 1,008 | 1,033 | 372 | 279 | ||||||||||
| Commercial real estate | 9,011 | 10,016 | 7,669 | 4,349 | 3,304 | ||||||||||
| Construction and land | 15,367 | 9,847 | 6,103 | 5,584 | 1,622 | ||||||||||
| Multi-family residential | 1,281 | 973 | 916 | 930 | — | ||||||||||
| Commercial and industrial | 1,344 | 1,161 | 1,312 | 1,206 | 1,311 | ||||||||||
| Consumer | 46 | 60 | 35 | 161 | 27 | ||||||||||
| Total nonaccrual loans | $ | 34,111 | $ | 29,467 | $ | 23,340 | $ | 18,970 | $ | 13,582 | |||||
| Accruing loans past due 90 days and over | 65 | 55 | 12 | 77 | 16 | ||||||||||
| Total nonperforming loans | 34,176 | 29,522 | 23,352 | 19,047 | 13,598 | ||||||||||
| Foreclosed assets and ORE | 1,929 | 1,384 | 2,077 | 2,424 | 2,010 | ||||||||||
| Total nonperforming assets | $ | 36,105 | $ | 30,906 | $ | 25,429 | $ | 21,471 | $ | 15,608 | |||||
| Nonperforming assets to total assets | 1.03 | % | 0.88 | % | 0.73 | % | 0.62 | % | 0.45 | % | |||||
| Nonperforming loans to total assets | 0.98 | 0.84 | 0.67 | 0.55 | 0.39 | ||||||||||
| Nonperforming loans to total loans | 1.25 | 1.09 | 0.84 | 0.69 | 0.50 | ||||||||||
| ALLOWANCE FOR CREDIT LOSSES | |||||||||||||||
| Allowance for loan losses: | |||||||||||||||
| Beginning balance | $ | 32,827 | $ | 33,432 | $ | 33,278 | $ | 32,916 | $ | 32,278 | |||||
| (Reversal) provision for loan losses | 480 | (229) | 489 | 394 | 873 | ||||||||||
| Charge-offs | (189) | (488) | (460) | (226) | (255) | ||||||||||
| Recoveries | 24 | 112 | 125 | 194 | 20 | ||||||||||
| Net charge-offs | (165) | (376) | (335) | (32) | (235) | ||||||||||
| Ending balance | $ | 33,142 | $ | 32,827 | $ | 33,432 | $ | 33,278 | $ | 32,916 | |||||
| HOME BANCORP, INC. AND SUBSIDIARY | |||||||||||||||
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| SUMMARY CREDIT QUALITY INFORMATION | |||||||||||||||
| (Unaudited) | |||||||||||||||
| Three Months Ended | |||||||||||||||
| (dollars in thousands) | 12/31/2025 | 9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 | ||||||||||
| Reserve for unfunded lending commitments(2) | |||||||||||||||
| Beginning balance | $ | 1,730 | $ | 1,730 | $ | 2,700 | $ | 2,700 | $ | 2,460 | |||||
| (Reversal) provision for losses on unfunded lending commitments | (105) | — | (970) | — | 240 | ||||||||||
| Ending balance | $ | 1,625 | $ | 1,730 | $ | 1,730 | $ | 2,700 | $ | 2,700 | |||||
| Total allowance for credit losses | 34,767 | 34,557 | 35,162 | 35,978 | 35,616 | ||||||||||
| Total loans | $ | 2,744,023 | $ | 2,705,895 | $ | 2,764,538 | $ | 2,747,277 | $ | 2,718,185 | |||||
| Total unfunded commitments | 509,331 | 509,709 | 492,306 | 508,864 | 516,785 | ||||||||||
| Allowance for loan losses to nonperforming assets | 91.79 | % | 106.22 | % | 131.47 | % | 154.99 | % | 210.89 | % | |||||
| Allowance for loan losses to nonperforming loans | 96.97 | 111.20 | 143.17 | 174.72 | 242.07 | ||||||||||
| Allowance for loan losses to total loans | 1.21 | 1.21 | 1.21 | 1.21 | 1.21 | ||||||||||
| Allowance for credit losses to total loans | 1.27 | 1.28 | 1.27 | 1.31 | 1.31 | ||||||||||
| Year-to-date loan charge-offs | $ | (1,363) | $ | (1,174) | $ | (686) | $ | (226) | $ | (1,285) | |||||
| Year-to-date loan recoveries | 455 | 431 | 319 | 194 | 249 | ||||||||||
| Year-to-date net loan charge-offs | $ | (908) | $ | (743) | $ | (367) | $ | (32) | $ | (1,036) | |||||
| Annualized YTD net loan charge-offs to average loans | (0.03) | % | (0.04) | % | (0.03) | % | — | % | (0.04) | % | |||||
| (1)It is our policy to cease accruing interest on loans 90 days or more past due, with certain limited exceptions. Nonperforming assets consist of nonperforming loans, foreclosed assets and surplus real estate (ORE). Foreclosed assets consist of assets acquired through foreclosure or acceptance of title in-lieu of foreclosure. ORE consists of closed or unused bank buildings. | |||||||||||||||
| (2)The allowance for unfunded lending commitments is recorded within accrued interest payable and other liabilities on the Consolidated Statements of Financial Condition. |
15
investorpresentationq420
Q4 2025 Earnings Conference Call
Certain comments in this presentation contain certain forward looking statements (as defined in the Securities Exchange Act of 1934 and the regulations thereunder). Forward looking statements are not historical facts but instead represent only the beliefs, expectations or opinions of Home Bancorp, Inc. and its management regarding future events, many of which, by their nature, are inherently uncertain. Forward looking statements may be identified by the use of such words as: “believe”, “expect”, “anticipate”, “intend”, “plan”, “estimate”, or words of similar meaning, or future or conditional terms such as “will”, “would”, “should”, “could”, “may”, “likely”, “probably”, or “possibly.” Forward looking statements include, but are not limited to, financial projections and estimates and their underlying assumptions; statements regarding plans, objectives and expectations with respect to future operations, products and services; and statements regarding future performance. Such statements are subject to certain risks, uncertainties and assumption, many of which are difficult to predict and generally are beyond the control of Home Bancorp, Inc. and its management, that could cause actual results to differ materially from those expressed in, or implied or projected by, forward looking statements. The following factors, among others, could cause actual results to differ materially from the anticipated results or other expectations expressed in the forward looking statements: (1) economic and competitive conditions which could affect the volume of loan originations, deposit flows and real estate values; (2) the levels of noninterest income and expense and the amount of loan losses; (3) competitive pressure among depository institutions increasing significantly; (4) changes in the interest rate environment causing reduced interest margins; (5) general economic conditions, either nationally or in the markets in which Home Bancorp, Inc. is or will be doing business, being less favorable than expected; (6) political and social unrest, including acts of war or terrorism; (7) we may not fully realize all the benefits we anticipated in connection with our acquisitions of other institutions or our assumptions made in connection therewith may prove to be inaccurate; (8) cyber incidents or other failures, disruptions or security beaches; or (9) legislation or changes in regulatory requirements adversely affecting the business of Home Bancorp, Inc. Home Bancorp, Inc. undertakes no obligation to update these forward looking statements to reflect events or circumstances that occur after the date on which such statements were made. As used in this report, unless the context otherwise requires, the terms “we,” “our,” “us,” or the “Company” refer to Home Bancorp, Inc. and the term the “Bank” refers to Home Bank, N.A., a national bank and wholly owned subsidiary of the Company. In addition, unless the context otherwise requires, references to the operations of the Company include the operations of the Bank. For a more detailed description of the factors that may affect Home Bancorp’s operating results or the outcomes described in these forward-looking statements, we refer you to our filings with the Securities and Exchange Commission, including our annual report on Form 10-K for the year ended December 31, 2024. Home Bancorp assumes no obligation to update the forward-looking statements made during this presentation. For more information, please visit our website www.home24bank.com. Non-GAAP Information This presentation contains financial information determined by methods other than in accordance with generally accepted accounting principles (“GAAP”). The Company's management uses this non-GAAP financial information in its analysis of the Company's performance. In this presentation, information is included which excludes acquired loans, intangible assets, impact of the gain (loss) on the sale of a banking center, the impact of merger-related expenses and one-time tax effects. Management believes the presentation of this non-GAAP financial information provides useful information that is helpful to a full understanding of the Company’s financial position and core operating results. This non-GAAP financial information should not be viewed as a substitute for financial information determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP financial information presented by other companies. | 2 Forward-Looking Statements
Headquarters: Lafayette, LA Ticker: HBCP (NASDAQ) History: • Founded in 1908 • IPO completed October 2008 • Six acquisitions completed since 2010 • 43 locations across Southern Louisiana, Western Mississippi and Houston Highlights: • Total Assets: $3.5 billion at December 31, 2025 • Market Cap: $494 million at January 22, 2026 • Ownership (S&P Global as of January 22, 2026) • Institutional: 49% • Insider/ESOP: 12% | 3 Our Company Total Assets $3.5B Total Loans $2.7B Total Deposits $3.0B
| 4 Our Markets
Quarterly Financial Highlights 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 4Q 2025 Profitability Net income $ 9,437 $ 9,673 $ 10,964 $ 11,330 $ 12,357 $ 11,411 Diluted EPS 1.18 1.21 1.37 1.45 1.59 1.46 Net interest income 30,382 31,586 31,749 33,351 34,106 34,048 Provision (reversal) for loan losses 140 873 394 489 (229) 480 Core pre-provision net income(1) 9,430 10,430 11,205 10,881 12,113 11,721 Net interest margin ("NIM") 3.71 % 3.82 % 3.91 % 4.04 % 4.10 % 4.06 % ROA 1.10 1.12 1.29 1.31 1.41 1.29 ROE 9.8 9.7 11.0 11.2 11.8 10.5 ROATCE(1) 12.9 12.7 14.3 14.5 15.0 13.3 Efficiency ratio 65.3 63.5 60.4 60.5 59.5 60.6 Balance Sheet Assets $ 3,441,990 $ 3,443,668 $ 3,485,453 $ 3,491,455 $ 3,494,074 $ 3,492,626 Loans 2,668,286 2,718,185 2,747,277 2,764,538 2,705,895 2,744,023 Cash and cash equivalents 135,877 98,548 110,662 112,595 189,324 141,605 Allowance for loan losses (32,278) (32,916) (33,278) (33,432) (32,827) (33,142) Total deposits 2,777,487 2,780,696 2,827,207 2,908,234 2,975,503 2,972,806 TCE ratio 9.2 % 9.3 % 9.4 % 9.5 % 9.9 % 10.3 % Loan/Deposit ratio 96.1 97.8 97.2 95.1 90.9 92.3 Per Share Data Share price $ 44.58 $ 46.21 $ 44.80 $ 51.78 $ 54.33 $ 57.80 Book value 48.75 48.95 50.82 52.36 54.05 55.56 Tangible book value(1) 38.17 38.44 40.13 41.54 43.29 44.84 Price / tangible book value per share 117 % 120 % 112 % 125 % 126 % 129 % Dividend paid $ 0.25 $ 0.26 $ 0.27 $ 0.27 $ 0.29 $ 0.31 (1) See appendix for reconciliation of Non-GAAP items. | 5 (dollars in thousands, except per share data)
H om e B an k To ta l A ss et s ($ in m illi on s) 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500 1,000 1,500 2,000 2,500 3,000 3,500 4,000 Statewide Bank - $199 MM Guaranty Savings Bank - $257 MM Britton & Koontz Bank - $301 MM Bank of New Orleans - $346 MM St. Martin Bank & Trust - $597 MM CAGR = 11.7% as of December 31, 2025 | 6 Asset Growth Texan Bank - $416 MM
Profitability 0.99 1.76 1.07 1.23 1.08 1.33 1.12 1.04 1.25 1.27 1.12 1.32 GAAP Core pre-provision earnings 2020 2021 2022 2023 2024 2025 0.0% 0.2% 0.4% 0.6% 0.8% 1.0% 1.2% 1.4% 1.6% 1.8% 2.0% Return on Average Assets 7.8 14.4 10.2 11.6 9.6 11.1 8.9 8.5 11.8 11.9 9.9 11.1 GAAP Core pre-provision earnings 2020 2021 2022 2023 2024 2025 0.0% 2.0% 4.0% 6.0% 8.0% 10.0% 12.0% 14.0% 16.0% Return on Average Equity 10.2 18.0 13.9 16.0 12.7 14.3 11.1 10.5 15.6 15.9 12.8 13.9 ROATCE Core pre-provision earnings 2020 2021 2022 2023 2024 2025 0.0% 2.0% 4.0% 6.0% 8.0% 10.0% 12.0% 14.0% 16.0% 18.0% 20.0% Return on Tangible Common Equity 59.1 57.1 62.1 61.2 64.7 60.2 63.8 64.8 61.2 61.3 64.6 60.8 GAAP Core pre-provision earnings 2020 2021 2022 2023 2024 2025 50.0% 55.0% 60.0% 65.0% 70.0% Efficiency Ratio (1) See appendix for reconciliation of Non-GAAP items. (1) | 7
Lo an B al an ce O ut st an di ng ($ in m ill io ns ) A nnualized G row th R ate Total Loans Annualized Growth Rate 1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 4Q 2025 2,550 2,600 2,650 2,700 2,750 2,800 Loan Portfolio (as of December 31, 2025) CRE O.O. 26% 1-4 Mortgage 18% CRE N.O.O. 17% C&I 16% C&D 12% Multifamily 7% Home Equity 3% Consumer 1% Composition Market Diversification Acadiana 28% New Orleans 27% Houston 20% Northshore 13% Baton Rouge 10% MS 2% | 8 6% 1% 7% (8)%4% 3% 6% • Total loans - $2.7 billion • 4Q 2025 WAR - 6.44% • Houston market - 7% YTD annualized growth rate
OO CRE Portfolio (as of December 31, 2025) Geographic Exposure Houston, 36% Acadiana, 27% New Orleans 14% Northshore 12% Baton Rouge 9% Southwest LA, 1% Mississippi, 1% | 9 dollars in thousands Balances % of Total Loans % of OO CRE Avg Loan Size Criticized Balances Convenience Store $ 162,913 6 % 22 % $ 1,537 $ — Office 116,616 4 16 498 — Warehouse Or Industrial 95,969 4 13 568 7,460 Office Medical 86,264 3 12 863 — Other Specialty Use 53,373 2 7 905 3,729 Retail Single Tenant 52,235 2 7 629 — Restaurant/Bar 48,569 2 7 704 270 Hospital Or Surgical Center 48,509 2 7 4,410 — Church/School Mtg 42,063 2 6 914 1,463 Other 18,474 1 3 596 — Total $ 724,985 26 % 100 % $ 798 $ 12,922 Repricing or Maturing Term dollars in thousands 3 mths or less 4 - 12 mths 1 - 3 Years 3 - 5 Years 5+ Years Balances $ 121,366 $ 72,561 $ 172,689 $ 183,788 $ 174,581 WAR 6.1 % 5.4 % 5.5 % 6.8 % 4.5 % Average Rate 5.7% Fixed Rate % 67% Convenience Store Balances 87% in Houston Nonaccrual Balance $6.5 million
NOO CRE Portfolio, including Multifamily (as of December 31, 2025) Geographic Exposure New Orleans 41% Houston 20% Northshore 18% Acadiana 12% Baton Rouge 8% Other, 1% | 10 dollars in thousands Balances % of Total Loans % of NOO CRE Avg Loan Size Criticized Balances Multifamily $ 177,825 7 % 28 % $ 1,218 $ 1,598 Retail Multi-tenant 120,859 4 19 1,611 — Multi Use Facility 70,754 3 11 1,199 7,954 Other 67,463 3 10 1,143 392 Office 66,663 2 10 980 5,919 Hotel/Motel 58,278 2 9 1,355 7,813 Warehouse or Industrial 43,039 2 7 566 — Other Specialty Use 13,623 1 2 649 — Retail Single Tenant 13,065 1 2 451 363 Hospital or Surgical Center 11,659 — 2 1,943 — Total $ 643,228 23 % 100 % $ 1,105 $ 24,039 Repricing or Maturing Term dollars in thousands 3 mths or less 4 - 12 mths 1-3 years 3-5 Years 5+ Years Balances $ 123,158 $ 103,372 $ 204,601 $ 152,099 $ 59,998 WAR 6.4 % 4.9 % 5.7 % 6.9 % 4.2 % Average Rate 5.83% Fixed Rate % 70% Nonaccrual Balance $3.8 million
CRE Non-Medical Office Exposure (as of December 31, 2025) | 11 Nonaccrual Balance NOO loans - $0.0 OO loans - $0.0 Total Non-Medical Office Loans $183.3 million or 6.7% of total loans NOO Geographic Exposure Baton Rouge 0.9% Houston 0.8% Norths hore 0.3% Acadiana 0.3% New Orlean s 0.1% Mississ ippi —% dollars in thousands Balances % of Total Loans Avg Loan Size Criticized Balances Baton Rouge $ 23,795 0.9 % $ 1,400 $ — Houston 21,781 0.8 1,815 5,919 Northshore 8,878 0.3 986 — Acadiana 8,493 0.3 369 — New Orleans 3,545 0.1 591 — Mississippi 171 — 171 — Total NOO Office $ 66,663 2.4 % $ 980 $ 5,919 dollars in thousands Balances % of Total Loans Avg Loan Size Criticized Balances Acadiana $ 32,941 1.2 % $ 471 $ — Houston 29,349 1.1 863 — New Orleans 22,007 0.8 550 — Baton Rouge 14,318 0.5 367 — Northshore 12,003 0.4 445 — Mississippi 3,525 0.1 352 — Southwest LA 2,474 0.1 177 — Total OO Office $ 116,616 4.2 % $ 498 $ — OO Office Exposure NOO Office Exposure Average Remaining Maturity NOO 5.8 yrs OO 7.0 yrs Average Rate NOO 5.1% OO 5.9%
Commercial & Industrial (as of December 31, 2025) | 12 Nonaccrual Balance $1.3 million LOC Utilization Rate 51% Average Rate 7.1% Geographic Exposure Acadiana 43% Baton Rouge 17% New Orleans 10% Houston 10% Northshore 9% Southwest 8% Natchez 3% dollars in thousands Balances % of C&I % of Loans Avg Loan Size Criticized Balances Finance and Insurance $ 57,973 13.5 % 2.1 % $ 1,035 $ 1,068 Professional Services 51,153 11.9 % 1.9 124 73 Retail 48,920 11.4 % 1.8 263 348 Manufacturing 39,380 9.1 % 1.4 285 578 Real Estate Leasing 38,870 9.0 % 1.4 165 1,404 Construction 33,611 7.8 % 1.2 111 214 Healthcare 31,211 7.2 % 1.1 136 — Transportation 28,469 6.6 % 1.0 206 175 Agriculture 24,015 5.6 % 0.9 161 59 Oil & Gas Extraction 18,697 4.3 % 0.7 267 — Other 58,218 13.5 % 2.1 150 335 Totals $ 430,517 100 % 15.7 % $ 185 $ 4,254 Repricing or Maturing Term dollars in thousands 3 mths or less 4 -12 Mths 1 - 3 Years 3 - 5 Years 5+ Years Balances $ 242,842 $ 36,361 $ 39,674 $ 46,986 $ 64,654 WAR 7.5 % 7.4 % 6.3 % 7.0 % 6.2 % Fixed Rate % 41%
C&D Portfolio (as of December 31, 2025) Commercial Construction, 52% Lots, Development and Unimproved Land, 27% 1-4 Family Construction, 21% Composition | 13 Historic Charge-off (Recovery Rate) Charge-off (recovery) 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 (0.25)% —% 0.25% 0.50% 0.75% 1.00% Total Balance $329.2 million Average Balance $563,000 $883K net charge-offs since 2009 4.6% on Nonaccrual or $15.4 million
Loans & Securities - Repricing and Maturity (as of December 31, 2025) | 14 Loan Repricing or Maturing Term Rate Structure Total Loans and Leases (1) dollars in millions Floating Rate* 3 mths or less 4 -12 Mths 1 - 3 Years 3 - 5 Years 5 - 7 Years 7+ Years Total Fixed Adjustable Residential mortgages $35 $19 $63 $120 $92 $30 $134 $493 $273 $220 Home equity loans and lines 84 — 1 2 1 — 5 93 8 85 Commercial real estate 150 68 153 303 293 118 105 1,190 796 394 Construction and land 129 46 102 32 16 2 2 329 135 194 Multifamily 23 4 23 74 43 2 9 178 140 38 Commercial and industrial 228 15 37 39 47 37 28 431 178 253 Other consumer 10 2 2 5 3 2 6 30 25 5 Total Loans and Leases $659 $154 $381 $575 $495 $191 $289 $2,744 $1,555 $1,189 % of Total 24% 6% 14% 21% 18% 7% 10% 100% 57% 43% Cumulative 24% 30% 44% 65% 83% 90% 100% Weighted average rate 7.05% 5.81% 5.91% 5.85% 6.86% 4.95% 4.97% 6.17% 5.59% 6.93% Investment Securities Projected Cash Flow Total Investment Securities (2) dollars in millions 3 mths or less 4 -12 Mths 1 - 3 Years 3 - 5 Years 5 - 7 Years 7+ Years Total Current par value $29 $51 $137 $83 $49 $68 $417 % of Total 7% 12% 33% 20% 12% 16% 100% Cumulative 7% 19% 52% 72% 84% 100% Weighted average rate 3.11% 2.43% 2.49% 2.67% 2.94% 2.19% 2.57% (1) Based on maturity date for fixed rate loans. (2) Par value for securities at December 31, 2025 by expected cash flow are shown. Actual cash flow may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without prepayment penalties. *Floating rate loans reprice regularly every 3 months or less.
($ in m illi on s) $29.3 $2.3 $(0.1) $2.4 $(1.0) $1.1 $(0.9) $29.3 $31.5 $32.9 $33.1 Dec 2022 Organic Provision Net Charge- offs Dec 2023 Organic Provision Net Charge- offs Dec 2024 Organic Provision Net Charge- offs Dec 2025 0 10 20 30 40 2023 (dollars in thousands) 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 Total Loans $ 2,718,185 $ 2,747,277 $ 2,764,538 $ 2,705,895 $ 2,744,023 Total nonperforming loans 13,598 19,047 23,352 29,522 34,176 Total special mention loans 823 820 1,812 3,959 4,624 Total substandard loans 35,790 36,409 49,811 57,643 61,131 Total criticized loans $ 36,613 $ 37,229 $ 51,623 $ 61,602 $ 65,755 Nonperforming loans / Total loans 0.50 % 0.69 % 0.84 % 1.09 % 1.25 % Criticized loans / Total loans 1.35 % 1.36 % 1.87 % 2.28 % 2.40 % ALL / Total Loans 1.21 % 1.21 % 1.21 % 1.21 % 1.21 % 20242021 Changes in ALL | 15 2025
1.30 0.77 0.49 0.34 0.31 0.45 1.03 0.75 0.40 0.28 0.14 0.20 0.32 0.80 NPAs / Total Assets Originated NPAs / Total Assets 2019 2020 2021 2022 2023 2024 2025 0.0% 0.2% 0.4% 0.6% 0.8% 1.0% 1.2% 1.4% 1.6% NPAs / Assets title 0.09 0.12 0.09 0.03 — 0.04 0.03 2019 2020 2021 2022 2023 2024 2025 0.00% 0.05% 0.10% 0.15% Net Charge-offs / YTD Average Loans 63 165 146 267 304 211 92 ALL / NPAs 2019 2020 2021 2022 2023 2024 2025 0% 50% 100% 150% 200% 250% 300% 350% ALL / NPAs 1.73 1.03 0.83 0.41 0.52 0.76 1.24 1.32 0.74 0.57 0.32 0.36 0.67 1.18 Past Due Loans / Loans Originated Past Due / Originated Loans 2019 2020 2021 2022 2023 2024 2025 0.0% 0.5% 1.0% 1.5% 2.0% 2.5% Loans Past Due Credit Quality Trends | 16
Investment Portfolio | 17 (dollars in millions) Book Value Gain/(loss) Eff. Duration MBS $176 $(14) 4.0 Agency CMBS 156 (3) 2.1 Muni 54 (5) 5.1 CMO 14 — 2.4 Agency 11 — 3.4 Corp 4 — 0.4 Total $416 $(23) 3.3 10 Year Investment Cash Flow 19% 38% 52% 63% 72% 79% 84% 89% 92% 96% Expected Principal Cash Flows (dollars in thousands) Percentage of Cash Flows - Cumulative FYE 2026 FYE 2027 FYE 2028 FYE 2029 FYE 2030 FYE 2031 FYE 2032 FYE 2033 FYE 2034 FYE 2035 $— $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 $80,000 $90,000 —% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% MBS 42.3% Agency CMBS 37.5% Muni 13.0% Agency 2.8% CMO 3.3% Corp 1.1% 11.2% of total assets 2.5% Q4 yield $23.4 million unrealized loss ~ 5.6% of book value 99.7% AFS $3.1 million MV increase in Q4 $5.0 million increase in book value QoQ
Acadiana 54% New Orleans 14% Houston 10% Northshore 11% Mississippi, 7% Baton Rouge, 4% $ in m illi on s 28% 30% 34% 28% 26% 27% 29% 31% 25% 24% 23% 22% 17% 13% 13% 24% 26% 27% 15% 15% 16% 15% 17% 17% 11% 11% 12% 9% 8% 7% Demand deposits NOW Certificates of deposit Money Market Savings Balance 2020 2021 2022 2023 2024 2025 1,500 2,000 2,500 3,000 Change (dollars in thousands) 12/31/2024 9/30/2025 12/31/2025 QoQ YoY Demand Deposits 733,073 801,974 792,951 (9,023) 59,878 Savings 210,977 200,135 201,265 1,130 (9,712) Money Market 457,483 499,404 518,740 19,336 61,257 NOW 645,246 641,204 654,227 13,023 8,981 CDs 733,917 832,786 805,623 (27,163) 71,706 Total Deposits $ 2,780,696 $ 2,975,503 $ 2,972,806 $ (2,697) $ 192,110 Deposits (as of December 31, 2025) | 18 $35,809 Average deposit size 27% Non-interest bearing deposit composition 7% YTD 2025 growth rate
Deposits (as of December 31, 2025) | 19 Retail Business Public Broker Total FDIC Insured 44% 17% —% —% 61% Uninsured (1) 8 17 — — 25 Reciprocal — 5 — — 5 Public Funds — — 6 — 6 Brokered Deposits — — — 3 3 Total 52% 39% 6% 3% 100% Cost of Deposits 1.52 1.63 1.75 1.73 1.68 1.71 1.76 1.71 4.41 4.58 4.59 4.33 4.00 3.86 3.85 3.83 2.52 2.69 2.78 2.66 2.51 2.52 2.57 2.51 1.82 1.94 2.03 1.94 1.85 1.84 1.88 1.84 Interest-bearing non-maturity deposits Certificates of deposit Total interest-bearing deposits Total deposits 1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1.20 1.60 2.00 2.40 2.80 3.20 3.60 4.00 4.40 4.80 (1) Excluding internal accounts, over FDIC limit and not collateralized (2) Total primary funding sources covering uninsured deposits. Funding Availability (in thousands) Q4 2025 FHLB availability $ 1,256,621 Unencumbered investments (book) 63,558 FRB discount window 500 Total primary funding sources $ 1,320,679 Fed fund lines 55,000 Total primary and secondary liquidity $ 1,375,679 Uninsured Deposits(1) Approximately $726 million or 24% of total deposits Coverage of Uninsured Deposits(2) 182%
3.64 3.66 3.71 3.82 3.91 4.04 4.10 4.06 NIM 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 3.40% 3.60% 3.80% 4.00% 4.20% 4.40% 4.60% NIM (TE) 6.18 6.28 6.43 6.43 6.43 6.50 6.53 6.44 Loan Yield 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 6.15% 6.30% 6.45% 6.60% Yield on Loans 2.79 2.93 3.02 2.87 2.74 2.71 2.69 2.60 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 2.5% 2.8% 3.0% 3.3% Cost of Interest-Bearing Liabilities Yields | 20 Total borrowings decreased $41.1 million for the quarter ended December 2025 NIM 4.06% for the quarter ended December 2025 1.84% Cost of total deposits for the quarter ended December 2025
Rate Shock 1 Year % Change in NII 200 7.2% 100 3.7% (100) (4.1)% (200) (8.4)% % of assets 2019 2024 2025 Cash 2% 3% 4% Investments 12% 12% 11% Loans, excluding PPP 78% 79% 79% Other Assets 8% 6% 6% NMD - noninterest-bearing 20% 21% 23% NMD - interest-bearing 45% 38% 39% CDs 18% 21% 23% Total Deposits 83% 80% 85% Borrowings 2% 5% —% Subordinated Debt —% 2% 2% Other 1% 1% 1% Equity 14% 12% 12% Loan portfolio effective duration ~ 1.8 (based on management estimates) Cost of 2Q2016 - 3Q2019 3Q2019 - 1Q2022 1Q2022 - 3Q2024 3Q2024 - 4Q2025 Interest-bearing deposits 36% 40% 49% 16% Total deposits 27% 31% 36% 11% Interest-bearing liabilities 33% 40% 53% 25% Funding earning assets 23% 29% 37% 20% Interest Rate Risk Forecasted Change in NII Liability Betas Historical Funding Betas Balance Sheet Composition | 21 Fed Funds Effective Cost of Deposits Cost of Funding Earning Assets Q2- 16 Q4- 16 Q2- 17 Q4- 17 Q2- 18 Q4- 18 Q3- 19 Q4- 19 Q2- 20 Q4- 20 Q2- 21 Q4- 21 Q1- 22 Q2- 22 Q4- 22 Q2- 23 Q4- 23 Q1- 24 Q2- 24 Q3- 24 Q4- 2024 Q1- 25 Q2- 25 Q3- 25 Q4- 2025 —% 1.00% 2.00% 3.00% 4.00% 5.00% Investment Portfolio effective duration = 3.3 43% of loan portfolio is variable
0.62 0.57 0.54 0.44 0.46 0.43 0.45 2019 2020 2021 2022 2023 2024 2025 0.40% 0.45% 0.50% 0.55% 0.60% 0.65% Noninterest Income(1) / Assets 2.87 2.53 2.41 2.51 2.52 2.58 2.59 2019 2020 2021 2022 2023 2024 2025 2.00% 2.50% 3.00% 3.50% Noninterest Expense(1) / Assets (1) Excludes non-core items. See appendix for reconciliation of non-GAAP items. (dollars in thousands) 4Q 2024 1Q 2025 2Q 2025 3Q 2025 4Q 2025 Service fees and charges $ 1,334 $ 1,309 $ 1,345 $ 1,408 $ 1,438 Bank card fees 1,586 1,578 1,750 1,646 1,624 Gain on sale of loans 62 377 114 144 225 Gain (loss) on sale of assets, net 39 9 (2) — (4) Other 608 736 509 540 715 Total noninterest income $ 3,629 $ 4,009 $ 3,716 $ 3,738 $ 3,998 (dollars in thousands) 4Q 2024 1Q 2025 2Q 2025 3Q 2025 4Q 2025 Compensation $ 13,314 $ 12,652 $ 13,322 $ 13,531 $ 13,974 Data processing 2,526 2,642 2,628 2,556 2,548 Occupancy 2,342 2,561 2,513 2,544 2,406 Provision (reversal) for unfunded 240 — (970) — (105) Other 3,933 3,724 4,914 3,900 4,223 Total noninterest expense $ 22,355 $ 21,579 $ 22,407 $ 22,531 $ 23,046 Noninterest expense excl. provision for unfunded $ 22,115 $ 21,579 $ 23,377 $ 22,531 $ 23,151 Noninterest Income & Expense | 22
0.84 0.88 0.91 0.93 1.00 1.01 1.14 0.31 Q1 Q2 Q3 Q4 2019 2020 2021 2022 2023 2024 2025 2026 0.00 0.50 1.00 1.50 Dividends Per Share 27.22 29.60 34.00 29.57 29.20 34.45 38.44 44.84 Tangible book value 2019 2020 2021 March 2022 2022 2023 2024 2025 20 25 30 35 40 Tangible Book Value Share Repurchase Activity Year # Shares Average Price Cash Utilized 2019 419,498 36.82 15,444,895 2020 530,504 26.41 14,011,605 2021 246,012 36.18 8,900,409 2022 288,350 39.30 11,333,399 2023 164,272 32.01 5,257,822 2024 124,634 37.79 4,710,202 2025 321,590 44.30 14,247,421 2026 (as of 01/22/2026) — — — Total 2,094,860 $ 35.28 $ 73,905,753 Capital | 23 ~ 390,222 shares remaining in current plans as of January 22, 2026 New Share Repurchase Plan approved 405,000 17% Shares repurchased since 2019 8.7% CAGR TBV / share, since 2019 Cash acquisition - Texan Bank Cash dividend of $0.31 per share payable on February 20, 2026 *payable in February 2026 *
9.8 10.4 11.0 11.4 11.8 14.7 12.4 13.0 13.3 14.1 15.9 13.6 14.2 14.5 15.3 Tier 1 leverage capital Common equity tier 1 Total risk-based capital 2021 2022 2023 2024 2025 0% 5% 10% 15% 20% Capital Ratios (Bank only) Capital | 24 Home Bank, N.A. Home Bancorp, Inc. As Reported Including AOCI Losses (1) As Reported Including AOCI Losses (1) Common Equity Tier 1 capital 14.1% 13.5% 12.7% 12.1% Tier 1 risk based capital 14.1% 13.5% 12.7% 12.1% Total risk based capital 15.3% 14.7% 15.8% 15.2% Tier 1 leverage capital 11.8% 11.3% 10.7% 10.2% (1) Assumes AOCI adjustments related to market valuations on securities and interest rate derivatives are included for regulatory capital calculations. Regulatory Capital and Adjusted Capital as of December 31, 2025
Investment Perspective | 25
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3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 4Q 2025 Total shareholders' equity $ 393,453 $ 396,088 $ 402,831 $ 408,818 $ 423,044 $ 435,094 Less: intangible assets 85,361 85,044 84,751 84,482 84,214 83,957 Non-GAAP tangible shareholders' equity $ 308,092 $ 311,044 $ 318,080 $ 324,336 $ 338,830 $ 351,137 Reported net income $ 9,437 $ 9,673 $ 10,964 $ 11,330 $ 12,357 $ 11,411 Add: amortization CDI, net tax 259 250 231 213 212 203 Non-GAAP tangible net income $ 9,696 $ 9,923 $ 11,195 $ 11,543 $ 12,569 $ 11,614 Return on average equity 9.8 % 9.7 % 11.0 % 11.2 % 11.8 % 10.5 % Add: intangible assets 3.1 3.0 3.3 3.3 3.2 2.8 Non-GAAP return on tangible common equity 12.9 % 12.7 % 14.3 % 14.5 % 15.0 % 13.3 % Book value per share $ 48.75 $ 48.95 $ 50.82 $ 52.36 $ 54.05 $ 55.56 Less: intangible assets 10.58 10.51 10.69 10.82 10.76 10.72 Non-GAAP tangible book value per share $ 38.17 $ 38.44 $ 40.13 $ 41.54 $ 43.29 $ 44.84 Reported net income $ 9,437 $ 9,673 $ 10,964 $ 11,330 $ 12,357 $ 11,411 Less: PPP loan income 35 12 17 2 1 1 Less: gain (loss) on sale of assets (10) 39 9 (2) — (4) Less: loan discount accretion 452 421 356 356 347 242 Add: provision (reversal) for loan losses 140 873 394 489 (229) 480 Add: provision (reversal) for credit losses on unfunded commitments — 240 — (970) — (105) Add: CDI amortization 328 317 293 269 268 257 Total non-core items, net of taxes (7) 757 241 (449) (244) 310 Core pre-provision net income (1) $ 9,430 $ 10,430 $ 11,205 $ 10,881 $ 12,113 $ 11,721 Appendix (non-GAAP reconciliation) | 27 (dollars in thousands, except per share data)
2020 2021 2022 2023 2024 2025 Total shareholders' equity $ 321,842 $ 351,903 $ 329,954 $ 367,444 $ 396,088 $ 435,094 Less: intangible assets 63,112 61,949 87,973 86,372 85,044 83,957 Non-GAAP tangible shareholders' equity $ 258,730 $ 289,954 $ 241,981 $ 281,072 $ 311,044 $ 351,137 Reported net income $ 24,765 $ 48,621 $ 34,072 $ 40,240 $ 36,427 $ 46,062 Add: amortization CDI, net tax 1,074 919 1,266 1,264 1,049 859 Non-GAAP tangible income $ 25,839 $ 49,540 $ 35,338 $ 41,504 $ 37,476 $ 46,921 Return on average equity 7.8 % 14.4 % 10.2 % 11.6 % 9.6 % 11.1 % Add: intangible assets 2.4 3.6 3.7 4.4 3.1 3.2 Non-GAAP return on tangible common equity 10.2 % 18.0 % 13.9 % 16.0 % 12.7 % 14.3 % Originated loans $ 1,625,139 $ 1,593,769 $ 1,961,425 $ 2,169,500 $ 2,354,927 $ 2,436,576 Acquired loans 354,815 246,324 469,325 412,138 363,258 307,447 Total loans $ 1,979,954 $ 1,840,093 $ 2,430,750 $ 2,581,638 $ 2,718,185 $ 2,744,023 Originated NPAs $ 10,353 $ 8,348 $ 4,489 $ 6,518 $ 10,970 $ 27,838 Acquired NPAs 9,628 6,116 6,487 3,871 4,638 8,267 Total NPAs $ 19,981 $ 14,464 $ 10,976 $ 10,389 $ 15,608 $ 36,105 Originated past due loans $ 12,070 $ 9,071 $ 6,215 $ 7,864 $ 15,681 $ 28,852 Acquired past due loans 8,335 6,146 3,683 5,569 4,920 5,184 Total past due loans $ 20,405 $ 15,217 $ 9,898 $ 13,433 $ 20,601 $ 34,036 Average assets $ 2,491,612 $ 2,765,878 $ 3,178,862 $ 3,262,820 $ 3,386,721 $ 3,473,442 Less: average PPP loans 169,665 169,149 15,691 5,997 4,436 509 Average assets excluding PPP loans $ 2,321,947 $ 2,596,729 $ 3,163,171 $ 3,256,823 $ 3,382,285 $ 3,472,933 Appendix (non-GAAP reconciliation) | 28 (dollars in thousands)
2020 2021 2022 2023 2024 2025 Reported noninterest income $ 14,305 $ 16,271 $ 13,885 $ 14,636 $ 14,625 $ 15,461 Less: BOLI benefit — 1,717 — — — — Less: gain (loss) on sale of securities — — — (249) — — Less: gain (loss) on sale of assets — (504) 26 (27) 33 3 Non-GAAP noninterest income $ 14,305 $ 15,058 $ 13,859 $ 14,912 $ 14,592 $ 15,458 Reported noninterest expense $ 62,981 $ 66,982 $ 81,909 $ 82,841 $ 87,289 $ 89,563 Less: one-time foreclosed asset recovery — — — 739 — — Less: merger-related expenses — 299 1,971 — — — Non-GAAP noninterest expense $ 62,981 $ 66,683 $ 79,938 $ 82,102 $ 87,289 $ 89,563 Reported net income $ 24,765 $ 48,621 $ 34,072 $ 40,240 $ 36,427 $ 46,062 Less: PPP loan income 5,895 13,208 1,359 95 89 21 Less: BOLI benefit — 1,717 — — — — Less: gain (loss) on sale of assets — (504) 26 (27) 33 3 Less: gain (loss) on sale of securities — — — (249) — — Less: loan discount accretion 4,097 2,361 2,933 2,532 1,888 1,301 Add: provision (reversal) for loan losses 12,728 (10,161) 7,489 2,341 2,415 1,134 Add: provision (reversal) for credit losses on unfunded commitments — 390 278 501 106 (1,075) Add: CDI amortization 1,360 1,163 1,602 1,601 1,328 1,087 Add: one-time foreclosed asset recovery — — — (739) — — Add: merger-related expenses — 299 1,971 — — — Non-core items, net of taxes 3,236 (19,822) 5,547 1,069 1,453 (142) Core pre-provision net income (1) $ 28,001 $ 28,799 $ 39,619 $ 41,309 $ 37,880 $ 45,920 (1) Core pre-provision net income - removes the impact of one time items, PPP income, provision for credit losses, loan discount accretion and CDI. Appendix (non-GAAP reconciliation) | 29 (dollars in thousands)
2020 2021 1Q2022 2022 2023 2024 1Q2025 2Q2025 3Q2025 4Q2025 Total shareholders' equity $ 321,842 $ 351,903 $ 337,504 $ 329,954 $ 367,444 $ 396,088 $ 402,831 $ 408,818 $ 423,044 $ 435,094 Less: intangible assets 63,112 61,949 87,569 87,973 86,372 85,044 84,751 84,482 84,214 83,957 Non-GAAP tangible shareholders' equity $ 258,730 $ 289,954 $ 249,935 $ 241,981 $ 281,072 $ 311,044 $ 318,080 $ 324,336 $ 338,830 $ 351,137 Shares Outstanding 8,740,104 8,526,907 8,453,014 8,286,084 8,158,281 8,091,522 7,926,331 7,808,421 7,827,481 7,831,342 Book value per share $ 36.82 $ 41.27 $ 39.93 $ 39.82 $ 45.04 $ 48.95 $ 50.82 $ 52.36 $ 54.05 $ 55.56 Less: intangible assets 7.22 7.27 10.36 10.62 10.59 10.51 10.69 10.82 10.76 10.72 Non-GAAP tangible book value per share $ 29.60 $ 34.00 $ 29.57 $ 29.20 $ 34.45 $ 38.44 $ 40.13 $ 41.54 $ 43.29 $ 44.84 Appendix (non-GAAP reconciliation) | 30 (dollars in thousands except for per share data)