HOME BANCORP, INC. ANNOUNCES 2026 SECOND QUARTER RESULTS AND INCREASES QUARTERLY DIVIDEND BY 3%

Rhea-AI Summary

Home Bancorp (Nasdaq: HBCP) reported second quarter 2026 net income of $11.6 million, or $1.48 diluted EPS, up from $11.4 million, or $1.45, in the first quarter. Return on assets was 1.31% and net interest margin expanded 8 basis points to 4.24%.

Total loans reached $2.78 billion, rising $50.7 million (1.9%) quarter over quarter, while deposits increased $42.1 million (1.4%) to $3.07 billion, with core deposits up 2% to $2.3 billion and a loan‑to‑deposit ratio at the 91% target. Nonperforming assets declined to $39.2 million, or 1.09% of total assets. The allowance for loan losses stood at $34.0 million, or 1.22% of loans, after a $762,000 provision and $448,000 in net charge‑offs.

Shareholders’ equity rose to $453.5 million, and preliminary Tier 1 leverage and total risk‑based capital ratios were 12.11% and 15.61%. The board increased the quarterly dividend by 3% to $0.32 per share, payable August 14, 2026, and the company repurchased 2,720 shares at an average price of $66.19.

Positive

• Net income $11.6M, diluted EPS $1.48, both up versus Q1 2026
• Net interest income $35.8M, up $1.3M (4%) quarter over quarter
• NIM 4.24%, expanded 8 basis points from Q1 2026
• Loans $2.78B and deposits $3.07B, up 1.9% and 1.4% QoQ
• Nonperforming assets $39.2M, down 2% and at 1.09% of assets
• Dividend raised 3% to $0.32 per share; equity up to $453.5M

Negative

• Noninterest expense $24.6M, increased $1.6M (7%) quarter over quarter
• Loan loss provision $762K and net charge-offs $448K, both higher than Q1 2026
• Unrealized loss on securities $25.0M, up from $24.0M at March 31, 2026

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LAFAYETTE, La., July 20, 2026 /PRNewswire/ -- 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 second quarter of 2026. For the quarter, the Company reported net income of $11.6 million, or $1.48 per diluted common share ("diluted EPS"), up $255,000 from $11.4 million, or $1.45 diluted EPS, for the first quarter of 2026.

"Financial performance remained strong, with ROA of 1.31% and an eight-basis-point NIM expansion to 4.24% for the quarter," said John W. Bordelon, Chief Executive Officer of the Company and the Bank. "We saw healthy loan growth during the second quarter after a slow start to the year. Deposit growth continues to build momentum, and our loan-to-deposit ratio is at our target of 91%. In July, we celebrate Home Bank's 118th anniversary and announced Darren E. Guidry as the new President of the Company and the Bank, continuing our commitment to our customers and employees."

"I am honored to continue the direction set by John Bordelon," said Darren E. Guidry, President of the Company and the Bank. "We continue to proactively identify and resolve problem loans as quickly as possible. While criticized loans increased during the quarter, we do not anticipate any sizable losses. As we move forward in 2026, we remain focused at all levels on maintaining our momentum and creating shared success for our customers, shareholders, and communities."

 Second Quarter 2026 Highlights

• Loans totaled $2.8 billion at June 30, 2026, up $50.7 million, or 1.9% (an increase of 7% on an annualized basis), from March 31, 2026.

• Deposits totaled $3.1 billion at June 30, 2026, up $42.1 million, or 1.4% (an increase of 6% on an annualized basis), from March 31, 2026. Core deposits increased $46.6 million, or 2.0% (an increase of 8% on an annualized basis), during the second quarter of 2026 to $2.3 billion.

• Net interest income in the second quarter of 2026 totaled $35.8 million, up $1.3 million, or 4%, from the prior quarter.

• The net interest margin ("NIM") was 4.24% in the second quarter of 2026 compared to 4.16% in the first quarter of 2026, primarily due to an increase in average interest-bearing assets with higher yields, which outpaced average interest-bearing liabilities during the quarter.

• Nonperforming assets totaled $39.2 million, or 1.09% of total assets, at June 30, 2026, compared to $39.9 million, or 1.12% of total assets, at March 31, 2026. The decrease in nonperforming assets is primarily due to payoffs and paydowns during the quarter, partially offset by modest additions from loans that migrated to nonaccrual status during the second quarter of 2026.

• The Company recorded a $762,000 provision to the allowance for loan losses in the second quarter of 2026, compared to a $922,000 provision in the first quarter of 2026, primarily due to loan growth and shift in the loan mix during the quarter.

Loans

Loans totaled $2.8 billion at June 30, 2026, up $50.7 million, or 1.9%, from March 31, 2026. The following table summarizes the changes in the Company's loan portfolio, net of unearned income, from March 31, 2026 through June 30, 2026.

(dollars in thousands)		6/30/2026		3/31/2026		Increase (Decrease)
Real estate loans:
One- to four-family first mortgage		$       475,602		$       476,079		$     (477)		— %
Home equity loans and lines		90,529		91,550		(1,021)		(1)
Commercial real estate		1,215,828		1,182,501		33,327		3
Construction and land		323,541		340,057		(16,516)		(5)
Multi-family residential		197,624		179,982		17,642		10
Total real estate loans		2,303,124		2,270,169		32,955		1
Other loans:
Commercial and industrial		446,352		428,075		18,277		4
Consumer		29,414		29,902		(488)		(2)
Total other loans		475,766		457,977		17,789		4
Total loans		$     2,778,890		$     2,728,146		$   50,744		2 %

The average loan yield was 6.46% for the second quarter of 2026, up 5 basis points from the first quarter of 2026. We experienced growth in commercial real estate, commercial and industrial, and multi-family loans, which were partially offset by declines in construction and land loans for the second quarter, across most of our markets.

Credit Quality and Allowance for Credit Losses

Nonperforming assets ("NPAs") totaled $39.2 million, or 1.09% of total assets, at June 30, 2026, down $692,000, or 2%, from $39.9 million, or 1.12% of total assets, at March 31, 2026. The decrease in NPAs during the second quarter of 2026 was primarily driven by loan paydowns and payoffs during the quarter, partially offset by modest additions from loans that migrated to nonaccrual status during the second quarter of 2026. During the second quarter of 2026, the Company recorded net loan charge-offs of $448,000, compared to net loan charge-offs of $384,000 during the first quarter of 2026.

The Company provisioned $762,000 to the allowance for loan losses in the second quarter of 2026. At June 30, 2026, the allowance for loan losses totaled $34.0 million, or 1.22% of total loans, compared to $33.7 million, or 1.23% of total loans, at March 31, 2026. Provisions to the allowance for loan losses are based upon, among other factors, our estimation of current expected losses in our loan portfolio, which we evaluate on a quarterly basis. Changes in expected losses consider 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 June 30, 2026 and March 31, 2026.

	June 30, 2026
(dollars in thousands)		Pass		Special Mention		Substandard		Total
One- to four-family first mortgage		$      468,132		$            —		$        7,470		$      475,602
Home equity loans and lines		89,820		—		709		90,529
Commercial real estate		1,162,045		19,973		33,810		1,215,828
Construction and land		314,811		1,826		6,904		323,541
Multi-family residential		194,864		1,166		1,594		197,624
Commercial and industrial		424,029		3,946		18,377		446,352
Consumer		29,389		—		25		29,414
Total		$   2,683,090		$       26,911		$       68,889		$   2,778,890
	March 31, 2026
(dollars in thousands)		Pass		Special Mention		Substandard		Total
One- to four-family first mortgage		$      466,688		$            —		$        9,391		$      476,079
Home equity loans and lines		90,201		807		542		91,550
Commercial real estate		1,139,345		9,478		33,678		1,182,501
Construction and land		326,382		863		12,812		340,057
Multi-family residential		178,388		—		1,594		179,982
Commercial and industrial		424,633		—		3,442		428,075
Consumer		29,861		—		41		29,902
Total		$   2,655,498		$       11,148		$       61,500		$   2,728,146

Investment Securities

The Company's investment securities portfolio totaled $409.1 million at June 30, 2026, an increase of $22.9 million, or 6%, from March 31, 2026. At June 30, 2026, the Company had a net unrealized loss position on its investment securities of $25.0 million, compared to a net unrealized loss of $24.0 million at March 31, 2026. The Company's investment securities portfolio had an effective duration of 3.4 years at June 30, 2026 and March 31, 2026. During the second quarter of 2026, the Company made securities purchases of $39.3 million, compared to $21.5 million during the first quarter of 2026. The Company had no securities sales during the second quarter of 2026 and first quarter of 2026.

The following table summarizes the composition of the Company's investment securities portfolio at June 30, 2026.

(dollars in thousands)		Amortized Cost		Fair Value
Available for sale:
U.S. agency mortgage-backed		$    317,940		$    299,440
Collateralized mortgage obligations		47,421		46,401
Municipal bonds		52,806		47,789
U.S. government agency		10,464		9,952
Corporate bonds		5,000		5,000
Total available for sale		$    433,631		$    408,582
Held to maturity:
Municipal bonds		$         530		$         531
Total held to maturity		$         530		$         531

Approximately 34% of the investment securities portfolio was pledged as of June 30, 2026 to secure public deposits. The Company had $139.9 million of securities pledged to secure public deposits at June 30, 2026 and March 31, 2026.

Deposits

Total deposits were $3.1 billion at June 30, 2026, up $42.1 million, or 1%, from March 31, 2026. Core deposits or non-maturity deposits increased $46.6 million, or 2%, during the second quarter of 2026 to $2.3 billion. The following table summarizes the changes in the Company's deposits from March 31, 2026 to June 30, 2026.

(dollars in thousands)		6/30/2026		3/31/2026		Increase (Decrease)
Demand deposits		$       835,118		$       830,030		$          5,088		1 %
Savings		197,412		202,058		(4,646)		(2)
Money market		571,474		543,120		28,354		5
NOW		727,839		710,071		17,768		3
Certificates of deposit		737,040		741,502		(4,462)		(1)
Total deposits		$     3,068,883		$     3,026,781		$        42,102		1 %

The average rate on interest-bearing deposits decreased 1 basis points from 2.29% for the first quarter of 2026 to 2.28% for the second quarter of 2026. At June 30, 2026, certificates of deposit maturing within the next 12 months totaled $714.7 million, or 97%, of total certificates of deposit.

The total amounts of our uninsured deposits (deposits in excess of $250,000, as calculated in accordance with FDIC regulations) were $959.4 million at June 30, 2026 and $919.7 million at March 31, 2026. Public funds in excess of the FDIC insurance limits are fully collateralized.

Net Interest Income

NIM increased 8 basis points from 4.16% for the first quarter of 2026 to 4.24% for the second quarter of 2026, primarily due to an increase in average interest-bearing assets with higher yields, which outpaced average interest-bearing liabilities during the quarter.

The average cost of interest-bearing deposits decreased by 1 basis points in the second quarter of 2026 compared to the first quarter of 2026, primarily due to a shift in the mix of average balance of interest-bearing deposits.

Average other interest-earning assets were $158.2 million for the second quarter of 2026, down $10.5 million, or 6%, from the first quarter of 2026, primarily due to a decrease in the average balance of cash and cash equivalents.

Average FHLB advances decreased $1.9 million, or 100%, in the second quarter from the first quarter of 2026 due to paydowns of FHLB advances.

Loan accretion income from acquired loans totaled $201,000 for the second quarter of 2026, up $12,000, or 6%, from the first quarter of 2026.

Noninterest Income

Noninterest income for the second quarter of 2026 totaled $3.9 million, up $181,000, or 5%, from the first quarter of 2026. The increase was related primarily to bank card fees (up $124,000) and other income (up $85,000), which were partially offset by a decrease in service fees and charges (down $30,000) for the second quarter of 2026 compared to the first quarter of 2026.

Noninterest Expense

Noninterest expense for the second quarter of 2026 totaled $24.6 million, up $1.6 million, or 7%, from the first quarter of 2026. The increase was primarily related to compensation and benefits expense (up $1.3 million), foreclosed assets, net (up $331,000), and occupancy expense (up $185,000), which were partially offset by a decrease in other expenses (down $228,000) during the second quarter of 2026.

Capital

At June 30, 2026, shareholders' equity totaled $453.5 million, up $9.0 million, or 2%, compared to $444.4 million at March 31, 2026. The increase was primarily due to the Company's earnings of $11.6 million, which was partially offset by an increase in the accumulated other comprehensive loss on available for sale investment securities during the second quarter of 2026 and shareholder dividends. Preliminary Tier 1 leverage capital and total risk-based capital ratios were 12.11% and 15.61%, respectively, at June 30, 2026, compared to 12.11% and 15.65%, respectively, at March 31, 2026.

Dividend and Share Repurchases

The Company announces that its Board of Directors declared a quarterly cash dividend on shares of its common stock of $0.32 per share (an increase of 3% from the previous quarterly cash dividend) payable on August 14, 2026, to shareholders of record as of August 3, 2026.

The Company repurchased 2,720 shares of its common stock during the second quarter of 2026 at an average price per share of $66.19. An additional 383,170 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 $57.63 and $47.02, respectively, at June 30, 2026.

Conference Call

Executive management will host a conference call to discuss second quarter 2026 results on Tuesday, July 21, 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 on 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 on non-GAAP information included herein to GAAP is presented below.

		Quarter Ended
(dollars in thousands, except per share data)		6/30/2026		3/31/2026		12/31/2025		9/30/2025		6/30/2025
Reported net income		$     11,615		$     11,360		$     11,411		$     12,357		$     11,330
Add: Core deposit intangible amortization, net tax		166		185		203		212		213
Non-GAAP tangible income		$     11,781		$     11,545		$     11,614		$     12,569		$     11,543
Total assets		$  3,603,193		$  3,554,643		$  3,492,626		$  3,494,074		$  3,491,455
Less: Intangible assets		83,513		83,723		83,957		84,214		84,482
Non-GAAP tangible assets		$  3,519,680		$  3,470,920		$  3,408,669		$  3,409,860		$  3,406,973
Total shareholders' equity		$    453,457		$    444,410		$    435,094		$    423,044		$    408,818
Less: Intangible assets		83,513		83,723		83,957		84,214		84,482
Non-GAAP tangible shareholders' equity		$    369,944		$    360,687		$    351,137		$    338,830		$    324,336
Return on average equity		10.34 %		10.41 %		10.52 %		11.78 %		11.24 %
Add: Average intangible assets		2.54		2.64		2.79		3.24		3.24
Non-GAAP return on average tangible common equity		12.88 %		13.05 %		13.31 %		15.02 %		14.48 %
Common equity ratio		12.58 %		12.50 %		12.46 %		12.11 %		11.71 %
Less: Intangible assets		2.07		2.11		2.16		2.17		2.19
Non-GAAP tangible common equity ratio		10.51 %		10.39 %		10.30 %		9.94 %		9.52 %
Book value per share		$       57.63		$       56.73		$       55.56		$       54.05		$       52.36
Less: Intangible assets		10.61		10.69		10.72		10.76		10.82
Non-GAAP tangible book value per share		$       47.02		$       46.04		$       44.84		$       43.29		$       41.54

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, 2025 describes some of these factors, including risk elements in the loan portfolio, risks related to our deposit activities, 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)		6/30/2026		3/31/2026		12/31/2025		9/30/2025		6/30/2025
Assets
Cash and cash equivalents		$       188,224		$       223,484		$       141,605		$       189,324		$       112,595
Investment securities available for sale, at fair value		408,582		385,729		391,448		383,340		393,462
Investment securities held to maturity		530		530		1,065		1,065		1,065
Mortgage loans held for sale		1,566		1,558		1,558		1,932		1,305
Loans, net of unearned income		2,778,890		2,728,146		2,744,023		2,705,895		2,764,538
Allowance for loan losses		(33,994)		(33,680)		(33,142)		(32,827)		(33,432)
Total loans, net of allowance for loan losses		2,744,896		2,694,466		2,710,881		2,673,068		2,731,106
Office properties and equipment, net		51,538		50,502		48,995		45,223		45,216
Cash surrender value of bank-owned life insurance		50,131		49,842		49,557		49,269		48,981
Goodwill and core deposit intangibles		83,513		83,723		83,957		84,214		84,482
Accrued interest receivable and other assets		74,213		64,809		63,560		66,639		73,243
Total Assets		$     3,603,193		$     3,554,643		$     3,492,626		$     3,494,074		$     3,491,455
Liabilities
Deposits		$     3,068,883		$     3,026,781		$     2,972,806		$     2,975,503		$     2,908,234
Other Borrowings		—		—		—		5,539		5,539
Subordinated debt, net of issuance cost		54,784		54,729		54,675		54,621		54,567
Federal Home Loan Bank advances		—		—		3,024		3,059		88,196
Accrued interest payable and other liabilities		26,069		28,723		27,027		32,308		26,101
Total Liabilities		3,149,736		3,110,233		3,057,532		3,071,030		3,082,637
Shareholders' Equity
Common stock		79		78		78		78		78
Additional paid-in capital		171,234		169,995		168,963		168,016		166,576
Common stock acquired by benefit plans		(803)		(893)		(982)		(1,071)		(1,160)
Retained earnings		302,171		293,554		284,834		275,912		265,817
Accumulated other comprehensive loss		(19,224)		(18,324)		(17,799)		(19,891)		(22,493)
Total Shareholders' Equity		453,457		444,410		435,094		423,044		408,818
Total Liabilities and Shareholders' Equity		$     3,603,193		$     3,554,643		$     3,492,626		$     3,494,074		$     3,491,455

HOME BANCORP, INC. AND SUBSIDIARY
CONDENSED STATEMENTS OF INCOME
(Unaudited)
		Three Months Ended						Six Months Ended
(dollars in thousands, except per share data)		6/30/2026		3/31/2026		6/30/2025		6/30/2026		6/30/2025
Interest Income
Loans, including fees		$    45,001		$    43,717		$    45,287		$    88,718		$    89,319
Investment securities		2,804		2,560		2,596		5,364		5,260
Other investments and deposits		1,414		1,463		746		2,877		1,251
Total interest income		49,219		47,740		48,629		96,959		95,830
Interest Expense
Deposits		12,569		12,406		13,142		24,975		25,764
Other borrowings		—		—		53		—		106
Subordinated debt expense		845		845		844		1,690		1,689
Federal Home Loan Bank advances		—		7		1,239		7		3,171
Total interest expense		13,414		13,258		15,278		26,672		30,730
Net interest income		35,805		34,482		33,351		70,287		65,100
Provision for loan losses		762		922		489		1,684		883
Net interest income after provision for loan losses		35,043		33,560		32,862		68,603		64,217
Noninterest Income
Service fees and charges		1,407		1,437		1,345		2,844		2,654
Bank card fees		1,718		1,594		1,750		3,312		3,328
Gain on sale of loans, net		229		230		114		459		491
Income from bank-owned life insurance		289		285		282		574		560
(Loss) gain on sale of assets, net		(1)		—		(2)		(1)		7
Other income		277		192		227		469		685
Total noninterest income		3,919		3,738		3,716		7,657		7,725
Noninterest Expense
Compensation and benefits		15,036		13,714		13,322		28,750		25,974
Occupancy		2,614		2,429		2,513		5,043		5,074
Marketing and advertising		522		494		461		1,016		890
Data processing and communication		2,655		2,629		2,628		5,284		5,270
Professional fees		417		401		396		818		801
Forms, printing and supplies		179		219		203		398		403
Franchise and shares tax		340		340		483		680		959
Regulatory fees		460		462		502		922		1,018
Foreclosed assets, net		385		54		419		439		646
Amortization of acquisition intangible		210		234		269		444		562
Reversal for credit losses on unfunded commitments		—		—		(970)		—		(970)
Other expenses		1,736		1,964		2,181		3,700		3,359
Total noninterest expense		24,554		22,940		22,407		47,494		43,986
Income before income tax expense		14,408		14,358		14,171		28,766		27,956
Income tax expense		2,793		2,998		2,841		5,791		5,662
Net income		$    11,615		$    11,360		$    11,330		$    22,975		$    22,294
Earnings per share - basic		$       1.49		$       1.47		$       1.47		$       2.96		$       2.85
Earnings per share - diluted		$       1.48		$       1.45		$       1.45		$       2.93		$       2.82
Cash dividends declared per common share		$       0.31		$       0.31		$       0.27		$       0.62		$       0.54

 

HOME BANCORP, INC. AND SUBSIDIARY
SUMMARY FINANCIAL INFORMATION
(Unaudited)
		Three Months Ended						Six Months Ended
(dollars in thousands, except per share data)		6/30/2026		3/31/2026		6/30/2025		6/30/2026		6/30/2025
EARNINGS DATA
Total interest income		$   49,219		$   47,740		$   48,629		$   96,959		$   95,830
Total interest expense		13,414		13,258		15,278		26,672		30,730
Net interest income		35,805		34,482		33,351		70,287		65,100
Provision for loan losses		762		922		489		1,684		883
Total noninterest income		3,919		3,738		3,716		7,657		7,725
Total noninterest expense		24,554		22,940		22,407		47,494		43,986
Income tax expense		2,793		2,998		2,841		5,791		5,662
Net income		$   11,615		$   11,360		$   11,330		$   22,975		$   22,294
AVERAGE BALANCE SHEET DATA
Total assets		$              3,564,832		$              3,532,181		$              3,474,762		$              3,548,597		$              3,462,187
Total interest-earning assets		3,341,316		3,310,674		3,261,733		3,326,080		3,251,235
Total loans		2,762,370		2,734,651		2,764,065		2,748,587		2,754,691
Total interest-bearing deposits		2,208,807		2,196,539		2,087,781		2,202,707		2,063,367
Total interest-bearing liabilities		2,263,561		2,253,149		2,261,916		2,258,384		2,270,592
Total deposits		3,029,628		3,002,477		2,863,683		3,016,127		2,818,241
Total shareholders' equity		450,365		442,610		404,367		446,509		403,938
PER SHARE DATA
Earnings per share - basic		$      1.49		$      1.47		$      1.47		$      2.96		$      2.85
Earnings per share - diluted		1.48		1.45		1.45		2.93		2.82
Book value at period end		57.63		56.73		52.36		57.63		52.36
Tangible book value at period end		47.02		46.04		41.54		47.02		41.54
Shares outstanding at period end		7,868,139		7,833,804		7,808,421		7,868,139		7,808,421
Weighted average shares outstanding
Basic		7,768,468		7,740,765		7,707,423		7,754,693		7,827,781
Diluted		7,853,358		7,826,764		7,781,021		7,840,135		7,903,239
SELECTED RATIOS (1)
Return on average assets		1.31 %		1.30 %		1.31 %		1.31 %		1.30 %
Return on average equity		10.34		10.41		11.24		10.38		11.13
Common equity ratio		12.58		12.50		11.71		12.58		11.71
Efficiency ratio (2)		61.81		60.02		60.45		60.93		60.40
Average equity to average assets		12.63		12.53		11.64		12.58		11.67
Tier 1 leverage capital ratio (3)		12.11		12.11		11.47		12.11		11.47
Total risk-based capital ratio (3)		15.61		15.65		14.66		15.61		14.66
Net interest margin (4)		4.24		4.16		4.04		4.20		3.98
SELECTED NON-GAAP RATIOS (1)
Tangible common equity ratio (5)		10.51 %		10.39 %		9.52 %		10.51 %		9.52 %
Return on average tangible common equity (6)		12.88		13.05		14.48		12.97		14.37

(1)	With the exception of end-of-period ratios, all ratios are based on average daily balances during the respective periods.
(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.
(3)	Capital ratios are preliminary end-of-period ratios for the Bank only and are subject to change.
(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%.
(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.
(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
		6/30/2026						3/31/2026						6/30/2025
(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		$ 2,762,370		$    45,001		6.46 %		$ 2,734,651		$    43,717		6.41 %		$ 2,764,065		$    45,287		6.50 %
Investment securities (TE)(1)		420,771		2,804		2.68		407,308		2,560		2.53		426,601		2,596		2.45
Other interest-earning assets		158,175		1,414		3.59		168,715		1,463		3.52		71,067		746		4.21
Total interest-earning assets		$ 3,341,316		$    49,219		5.85 %		$ 3,310,674		$    47,740		5.78 %		$ 3,261,733		$    48,629		5.92 %
Interest-bearing liabilities:
Deposits:
Savings, checking, and money market		$ 1,471,806		$      6,297		1.72 %		$ 1,431,639		$      5,809		1.65 %		$ 1,296,541		$      5,531		1.71 %
Certificates of deposit		737,001		6,272		3.41		764,900		6,597		3.50		791,240		7,611		3.86
Total interest-bearing deposits		2,208,807		12,569		2.28		2,196,539		12,406		2.29		2,087,781		13,142		2.52
Other borrowings		—		—		—		—		—		—		5,572		53		3.84
Subordinated debt		54,754		845		6.17		54,702		845		6.18		54,540		844		6.20
FHLB advances		—		—		—		1,908		7		1.49		114,023		1,239		4.30
Total interest-bearing liabilities		$ 2,263,561		$    13,414		2.38 %		$ 2,253,149		$    13,258		2.38 %		$ 2,261,916		$    15,278		2.71 %
Noninterest-bearing deposits		$   820,821						$   805,938						$   775,902
Net interest spread (TE)(1)						3.47 %						3.40 %						3.21 %
Net interest margin (TE)(1)						4.24 %						4.16 %						4.04 %

(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)
		Six Months Ended
		6/30/2026						6/30/2025
(dollars in thousands)		Average Balance		Interest		Average Yield/ Rate		Average Balance		Interest		Average Yield/ Rate
Interest-earning assets:
Loans receivable		$     2,748,587		$        88,718		6.43 %		$     2,754,691		$        89,319		6.46 %
Investment securities (TE)(1)		414,077		5,364		2.61		433,043		5,260		2.45
Other interest-earning assets		163,416		2,877		3.55		63,501		1,251		3.97
Total interest-earning assets		$     3,326,080		$        96,959		5.82 %		$     3,251,235		$        95,830		5.88 %
Interest-bearing liabilities:
Deposits:
Savings, checking, and money market		$     1,451,834		$        12,105		1.68 %		$     1,301,544		$        10,932		1.69 %
Certificates of deposit		750,873		12,870		3.46		761,823		14,832		3.93
Total interest-bearing deposits		2,202,707		24,975		2.29		2,063,367		25,764		2.52
Other borrowings		—		—		—		5,556		106		3.86
Subordinated debt		54,728		1,690		6.17		54,512		1,689		6.20
FHLB advances		949		7		1.50		147,157		3,171		4.29
Total interest-bearing liabilities		$     2,258,384		$        26,672		2.38 %		$     2,270,592		$        30,730		2.72 %
Noninterest-bearing deposits		$       813,420						$       754,874
Net interest spread (TE)(1)						3.44 %						3.16 %
Net interest margin (TE)(1)						4.20 %						3.98 %

(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
		6/30/2026		3/31/2026		12/31/2025		9/30/2025		6/30/2025
CREDIT QUALITY (1)
Nonaccrual loans:
One- to four-family first mortgage		$       6,423		$       8,337		$       6,531		$       6,402		$       6,272
Home equity loans and lines		709		542		531		1,008		1,033
Commercial real estate		10,092		10,837		9,011		10,016		7,669
Construction and land		5,277		12,812		15,367		9,847		6,103
Multi-family residential		1,281		1,281		1,281		973		916
Commercial and industrial		2,585		1,945		1,344		1,161		1,312
Consumer		25		41		46		60		35
Total nonaccrual loans		$      26,392		$      35,795		$      34,111		$      29,467		$      23,340
Accruing loans 90 days or more past due		32		14		65		55		12
Total nonperforming loans		26,424		35,809		34,176		29,522		23,352
Foreclosed assets and ORE		12,786		4,093		1,929		1,384		2,077
Total nonperforming assets		$      39,210		$      39,902		$      36,105		$      30,906		$      25,429
Nonperforming assets to total assets		1.09 %		1.12 %		1.03 %		0.88 %		0.73 %
Nonperforming loans to total assets		0.73		1.01		0.98		0.84		0.67
Nonperforming loans to total loans		0.95		1.31		1.25		1.09		0.84
ALLOWANCE FOR CREDIT LOSSES
Allowance for loan losses:
Beginning balance		$      33,680		$      33,142		$      32,827		$      33,432		$      33,278
Provision (reversal) for loan losses		762		922		480		(229)		489
Charge-offs		(564)		(413)		(189)		(488)		(460)
Recoveries		116		29		24		112		125
Net charge-offs		(448)		(384)		(165)		(376)		(335)
Ending balance		$      33,994		$      33,680		$      33,142		$      32,827		$      33,432
Reserve for unfunded lending commitments(2)
Beginning balance		$       1,625		$       1,625		$       1,730		$       1,730		$       2,700
Reversal for losses on unfunded lending commitments		—		—		(105)		—		(970)
Ending balance		$       1,625		$       1,625		$       1,625		$       1,730		$       1,730
Total allowance for credit losses		35,619		35,305		34,767		34,557		35,162
Total loans		$  2,778,890		$  2,728,146		$  2,744,023		$  2,705,895		$  2,764,538
Total unfunded commitments		520,729		533,398		509,331		509,709		492,306
Allowance for loan losses to nonperforming assets		86.70 %		84.41 %		91.79 %		106.22 %		131.47 %
Allowance for loan losses to nonperforming loans		128.65		94.05		96.97		111.20		143.17
Allowance for loan losses to total loans		1.22		1.23		1.21		1.21		1.21
Allowance for credit losses to total loans		1.28		1.29		1.27		1.28		1.27
Year-to-date loan charge-offs		$        (977)		$        (413)		$      (1,363)		$      (1,174)		$        (686)
Year-to-date loan recoveries		145		29		455		431		319
Year-to-date net loan charge-offs		$        (832)		$        (384)		$        (908)		$        (743)		$        (367)
Annualized YTD net loan charge-offs to average loans		(0.06) %		(0.06) %		(0.03) %		(0.04) %		(0.03) %

(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.

 

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SOURCE Home Bancorp, Inc.

FAQ

How did Home Bancorp (HBCP) perform in the second quarter of 2026?

Home Bancorp reported Q2 2026 net income of $11.6 million, or $1.48 diluted EPS. According to the company, return on assets was 1.31%, net interest income reached $35.8 million, and net interest margin improved to 4.24% for the quarter.

What dividend did Home Bancorp (HBCP) declare for the second quarter of 2026?

Home Bancorp’s board declared a quarterly dividend of $0.32 per share, a 3% increase. According to the company, the dividend is payable on August 14, 2026, to shareholders of record as of August 3, 2026.

How did Home Bancorp’s loans and deposits change in Q2 2026 (HBCP)?

Home Bancorp’s total loans rose to $2.78 billion and deposits to $3.07 billion in Q2 2026. According to the company, loans grew 1.9%, deposits 1.4%, and core deposits increased 2% to $2.3 billion, with a 91% loan‑to‑deposit ratio.

What were Home Bancorp’s credit quality metrics in Q2 2026 (HBCP)?

Home Bancorp reported nonperforming assets of $39.2 million, or 1.09% of total assets, at June 30, 2026. According to the company, NPAs declined 2% quarter over quarter, and the allowance for loan losses was $34.0 million, or 1.22% of total loans.

What capital ratios did Home Bancorp (HBCP) report at June 30, 2026?

Home Bancorp reported shareholders’ equity of $453.5 million at June 30, 2026. According to the company, preliminary Tier 1 leverage capital was 12.11%, and total risk‑based capital was 15.61%, compared with 12.11% and 15.65% at March 31, 2026.

Did Home Bancorp (HBCP) repurchase shares during the second quarter of 2026?

Home Bancorp repurchased 2,720 shares of its common stock in Q2 2026 at an average price of $66.19. According to the company, 383,170 shares remained available for repurchase under the 2025 Repurchase Plan as of quarter end.

How did noninterest income and expenses trend for Home Bancorp in Q2 2026 (HBCP)?

Home Bancorp’s noninterest income was $3.9 million, up 5% from Q1 2026, mainly from higher bank card fees. According to the company, noninterest expense rose to $24.6 million, a 7% increase, driven by higher compensation, foreclosed asset, and occupancy costs.