Home Bancorp (Nasdaq: HBCP) grows Q2 profit and lifts dividend 3%

Q: How did Home Bancorp (HBCP) perform financially in Q2 2026?

Home Bancorp reported Q2 2026 net income of $11.6 million , or $1.48 diluted EPS , compared with $11.4 million, or $1.45, in Q1 2026. Return on average assets was 1.31% and return on average equity 10.34% , reflecting stable profitability.

Q: What were Home Bancorp (HBCP)’s loan and deposit levels at June 30, 2026?

At June 30, 2026, Home Bancorp reported loans of $2.8 billion and deposits of $3.1 billion . Loans increased by $50.7 million and deposits by $42.1 million from March 31, 2026, with core deposits reaching $2.3 billion .

Q: How strong were Home Bancorp (HBCP)’s margins and net interest income in Q2 2026?

Net interest income for Q2 2026 was $35.8 million , up from $34.5 million in Q1 2026. The net interest margin was 4.24% , improving from 4.16% in the prior quarter, as higher-yielding interest-earning assets outpaced interest-bearing liabilities.

Q: What is Home Bancorp (HBCP)’s credit quality and reserve position as of Q2 2026?

Nonperforming assets totaled $39.2 million , or 1.09% of total assets , at June 30, 2026. The allowance for loan losses was $34.0 million , equal to 1.22% of total loans , with a Q2 provision of $762,000 and net charge-offs of $448,000.

Q: Did Home Bancorp (HBCP) change its dividend for Q2 2026?

Yes. The board declared a quarterly cash dividend of $0.32 per share , a 3% increase from the prior dividend. It will be paid on August 14, 2026 to shareholders of record as of August 3, 2026.

Q: What were Home Bancorp (HBCP)’s capital and tangible book value metrics in Q2 2026?

At June 30, 2026, shareholders’ equity was $453.5 million , and the Tier 1 leverage capital ratio was 12.11% . Book value per share was $57.63 , and tangible book value per share was $47.02 , both higher than at March 31, 2026.

Filing Impact

(High)

Filing Sentiment

(Neutral)

Form Type

8-K

Rhea-AI Filing Summary

Home Bancorp, Inc. reported second quarter 2026 net income of $11.6 million, or $1.48 per diluted share, up from $11.4 million, or $1.45, in the first quarter of 2026. Return on average assets was 1.31% and return on average equity was 10.34%.

Net interest income was $35.8 million, with net interest margin increasing to 4.24% from 4.16% in the prior quarter. Loans totaled $2.8 billion, rising $50.7 million, while deposits reached $3.1 billion, up $42.1 million. Nonperforming assets were $39.2 million, or 1.09% of total assets, and the allowance for loan losses was $34.0 million, or 1.22% of total loans.

Shareholders’ equity was $453.5 million, with a tangible book value per share of $47.02 and a Tier 1 leverage capital ratio of 12.11%. The board declared a quarterly cash dividend of $0.32 per share, a 3% increase, payable August 14, 2026 to shareholders of record on August 3, 2026.

Filing Explained

Home Bancorp completed a 2,720-share repurchase, with 383,170 additional shares still authorized under its current plan.

Home Bancorp reports that it repurchased 2,720 common shares during the second quarter ended June 30, 2026; this is completed share-reduction activity, while additional plan capacity remains.

The company says 383,170 shares remain eligible under the 2025 Repurchase Plan, which is authorization to make further purchases rather than a commitment that those shares will be repurchased.

Credit quality was mixed at June 30, 2026: nonperforming assets declined to $39.2 million from $39.9 million, while criticized loans increased to $95,800 from $72,648.

The next quarterly credit-quality disclosure will determine whether the June 30 increase in criticized loans persists.

8-K Event Classification

4 items: 2.02, 7.01, 8.01, 9.01

4 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 8.01 Other Events Other

Voluntary disclosure of events the company deems important to shareholders but not covered by other items.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Key Figures

Net income: $11.6 million Diluted EPS: $1.48 Loans: $2.8 billion +5 more

8 metrics

Net income $11.6 million Quarter ended June 30, 2026

Diluted EPS $1.48 Quarter ended June 30, 2026

Loans $2.8 billion Outstanding at June 30, 2026

Deposits $3.1 billion Outstanding at June 30, 2026

Net interest margin 4.24% Second quarter 2026

Return on average assets 1.31% Second quarter 2026

Quarterly dividend $0.32 per share Declared for payment on August 14, 2026

Tier 1 leverage capital ratio 12.11% Bank level, June 30, 2026

Key Terms

net interest margin, nonperforming assets, tangible book value per share, Tier 1 leverage capital ratio, +1 more

5 terms

net interest margin financial

"NIM increased 8 basis points from 4.16% for the first quarter of 2026 to 4.24%"

Net interest margin measures how much a bank earns from lending and investing compared with what it pays for funding, expressed as a percentage of its interest-earning assets. Think of it like a grocery store’s markup: it shows the gap between buying cost and selling price per dollar of goods — here, the cost is interest paid and the sale is interest received. Investors watch it because a higher margin usually means a bank is more profitable and better at managing interest rate and credit conditions.

nonperforming assets financial

"Nonperforming assets ("NPAs") totaled $39.2 million, or 1.09% of total assets"

Nonperforming assets are loans or investments that are not generating expected payments or returns because the borrower has fallen behind on payments or the investment has lost value. They matter to investors because a high level of nonperforming assets can indicate financial trouble for a bank or institution, potentially affecting its stability and profitability.

Tier 1 leverage capital ratio financial

"Preliminary Tier 1 leverage capital and total risk-based capital ratios were 12.11% and 15.61%"

The Tier 1 leverage capital ratio measures a bank’s core financial cushion—mainly equity and retained profits—against its total assets, showing what share of its balance sheet is funded by high-quality capital rather than borrowed money. Think of it as the percentage of a building supported by solid pillars instead of temporary scaffolding; a higher ratio means the bank can better absorb losses and is less likely to need outside help, which matters to investors assessing safety, regulatory compliance, dividend risk and long-term stability.

criticized loans financial

"Total criticized loans $ 51,623 $ 61,602 $ 65,755 $ 72,648 $ 95,800"

Criticized loans are bank loans that examiners or the bank itself have flagged as showing signs of weakness—such as higher risk of late payments, reduced collateral value, or borrower stress—but that are not yet officially defaulted. They matter to investors because a growing pile of such loans can signal deteriorating credit quality and higher future losses for a lender, much like small warning lights on a car dashboard that suggest a problem that, if ignored, could lead to a breakdown.

Earnings Snapshot

Net income: $11.6 million

Quarter ended June 30, 2026

Net income $11.6 million up from $11.4 million in Q1 2026

Diluted EPS $1.48 up from $1.45 in Q1 2026

Net interest margin 4.24% up from 4.16% in Q1 2026

Loans $2.8 billion up $50.7 million from March 31, 2026

Deposits $3.1 billion up $42.1 million from March 31, 2026

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Understanding 8-K Material Events →

Available on EDGAR 07/20/2026 - 04:41 PM Accepted by SEC EDGAR 07/20/2026 - 04:40 PM

FAQ

How did Home Bancorp (HBCP) perform financially in Q2 2026?

Home Bancorp reported Q2 2026 net income of $11.6 million, or $1.48 diluted EPS, compared with $11.4 million, or $1.45, in Q1 2026. Return on average assets was 1.31% and return on average equity 10.34%, reflecting stable profitability.

What were Home Bancorp (HBCP)’s loan and deposit levels at June 30, 2026?

At June 30, 2026, Home Bancorp reported loans of $2.8 billion and deposits of $3.1 billion. Loans increased by $50.7 million and deposits by $42.1 million from March 31, 2026, with core deposits reaching $2.3 billion.

How strong were Home Bancorp (HBCP)’s margins and net interest income in Q2 2026?

Net interest income for Q2 2026 was $35.8 million, up from $34.5 million in Q1 2026. The net interest margin was 4.24%, improving from 4.16% in the prior quarter, as higher-yielding interest-earning assets outpaced interest-bearing liabilities.

What is Home Bancorp (HBCP)’s credit quality and reserve position as of Q2 2026?

Nonperforming assets totaled $39.2 million, or 1.09% of total assets, at June 30, 2026. The allowance for loan losses was $34.0 million, equal to 1.22% of total loans, with a Q2 provision of $762,000 and net charge-offs of $448,000.

Did Home Bancorp (HBCP) change its dividend for Q2 2026?

Yes. The board declared a quarterly cash dividend of $0.32 per share, a 3% increase from the prior dividend. It will be paid on August 14, 2026 to shareholders of record as of August 3, 2026.

What were Home Bancorp (HBCP)’s capital and tangible book value metrics in Q2 2026?

At June 30, 2026, shareholders’ equity was $453.5 million, and the Tier 1 leverage capital ratio was 12.11%. Book value per share was $57.63, and tangible book value per share was $47.02, both higher than at March 31, 2026.

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)			July 20, 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 July 20, 2026, the Registrant announced its results of operations for the quarter ended June 30, 2026. 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 July 20, 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 July 20, 2026, the Registrant announced that its Board of Directors declared a quarterly cash dividend on shares of its common stock of $0.32 per share. The cash dividend will be paid on August 14, 2026 to shareholders of record at the close of business on August 3, 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 July 20, 2026
99.2						Home Bancorp, Inc. Investor Presentation - Q2 2026 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: July 20, 2026	By:	/s/ John W. Bordelon
		John W. Bordelon
		Chairman of the Board and Chief Executive Officer

For further information contact:

John W. Bordelon, Chairman of the Board and CEO

(337) 237-1960


Release Date:			July 20, 2026
			For Immediate Release

HOME BANCORP, INC. ANNOUNCES 2026 SECOND QUARTER RESULTS

AND INCREASES QUARTERLY DIVIDEND BY 3%

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 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


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

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.

Q2 2026 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, 2025. 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: $3.6 billion at June 30, 2026 • Market Cap: $545 million at July 17, 2026 • Ownership (S&P Global as of July 17, 2026) • Institutional: 51% • Insider/ESOP: 12% | 3 Our Company Total Assets $3.6B Total Loans $2.8B Total Deposits $3.1B

| 4 Our Markets

Quarterly Financial Highlights 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 Profitability Net income $ 10,964 $ 11,330 $ 12,357 $ 11,411 $ 11,360 $ 11,615 Diluted EPS 1.37 1.45 1.59 1.46 1.45 1.48 Net interest income 31,749 33,351 34,106 34,048 34,482 35,805 Provision (reversal) for loan losses 394 489 (229) 480 922 762 Core pre-provision net income(1) 11,205 10,881 12,113 11,721 12,124 12,225 Net interest margin ("NIM") 3.91 % 4.04 % 4.10 % 4.06 % 4.16 % 4.24 % ROA 1.29 1.31 1.41 1.29 1.30 1.31 ROE 11.0 11.2 11.8 10.5 10.4 10.3 ROATCE(1) 14.3 14.5 15.0 13.3 13.1 12.9 Efficiency ratio 60.4 60.5 59.5 60.6 60.0 61.8 Balance Sheet Assets $ 3,485,453 $ 3,491,455 $ 3,494,074 $ 3,492,626 $ 3,554,643 $ 3,603,193 Loans 2,747,277 2,764,538 2,705,895 2,744,023 2,728,146 2,778,890 Total deposits 2,827,207 2,908,234 2,975,503 2,972,806 3,026,781 3,068,883 Allowance / total loan ratio 1.21 % 1.21 % 1.21 % 1.21 % 1.23 % 1.22 % TCE Ratio 9.4 9.5 9.9 10.3 10.4 10.5 Loan/Deposit ratio 97.2 95.1 90.9 92.3 90.1 90.6 Per Share Data Share price $ 44.80 $ 51.78 $ 54.33 $ 57.80 $ 60.58 $ 68.52 Book value 50.82 52.36 54.05 55.56 56.73 57.63 Tangible book value(1) 40.13 41.54 43.29 44.84 46.04 47.02 Price / tangible book value per share 112 % 125 % 126 % 129 % 132 % 146 % Dividend paid $ 0.27 $ 0.27 $ 0.29 $ 0.31 $ 0.31 $ 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 Jun- 26 YTD 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 = 11.6% as of June 30, 2026 | 6 Asset Growth Texan Bank - $416 MM

Profitability 0.99 1.76 1.07 1.23 1.08 1.33 1.30 1.31 1.12 1.04 1.25 1.27 1.12 1.32 1.39 1.38 GAAP Core pre-provision earnings 2020 2021 2022 2023 2024 2025 1Q 2026 2Q 2026 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 10.4 10.3 8.9 8.5 11.8 11.9 9.9 11.1 11.1 10.9 GAAP Core pre-provision earnings 2020 2021 2022 2023 2024 2025 1Q 2026 2Q 2026 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 13.1 12.9 11.1 10.5 15.6 15.9 12.8 13.9 13.7 13.4 ROATCE Core pre-provision earnings 2020 2021 2022 2023 2024 2025 1Q 2026 2Q 2026 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 60.0 61.8 63.8 64.8 61.2 61.3 64.6 60.8 59.7 61.6 GAAP Core pre-provision earnings 2020 2021 2022 2023 2024 2025 1Q 2026 2Q 2026 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 1Q 2026 2Q 2026 2,550 2,600 2,650 2,700 2,750 2,800 Loan Portfolio (as of June 30, 2026) CRE O.O. 28% 1-4 Mortgage 17% CRE N.O.O. 16% C&I 16% C&D 12% Multifamily 7% Home Equity 3% Consumer 1% Composition Market Diversification Acadiana 28% New Orleans 28% Houston 21% Northshore 12% Baton Rouge 10% MS 1% • Total loans - $2.8 billion • 2Q 2026 WAR - 6.46% • Houston market - 9% YTD annualized growth rate • YTD 2026 annualized growth rate - 3% • Houston market - 9% annualized growth rate YTD | 8 7% 4% 3% (8)% 6% 7% 1% 6% (2)%

OO CRE Portfolio (as of June 30, 2026) Geographic Exposure Houston, 39% Acadiana, 25% New Orleans 13% Northshore 12% Baton Rouge 9% Mississippi, 1% Southwest LA, 1% | 9 dollars in thousands Balances % of Total Loans % of OO CRE Avg Loan Size Criticized Balances Convenience Store $ 184,013 7 % 24 % $ 1,704 $ — Office 113,365 4 15 497 — Warehouse Or Industrial 112,785 4 15 648 7,381 Office Medical 93,565 3 12 883 9,538 Other Specialty Use 59,155 2 8 970 3,709 Retail Single Tenant 50,695 2 6 634 — Restaurant/Bar 47,515 2 6 689 3,577 Hospital Or Surgical Center 47,496 2 6 4,318 — Church/School Mtg 40,221 1 5 914 1,427 Other 26,304 1 3 752 356 Total $ 775,114 28 % 100 % $ 846 $ 25,988 Repricing or Maturing Term dollars in thousands 3 mths or less 4 - 12 mths 1 - 3 Years 3 - 5 Years 5+ Years Balances $ 170,881 $ 66,924 $ 167,466 $ 212,925 $ 156,918 WAR 6.2 % 5.0 % 6.1 % 6.5 % 4.6 % Average Rate 5.8% Fixed Rate % 61% Convenience Store Balances 87% in Houston Nonaccrual Balance $8.4 million

NOO CRE Portfolio, including Multifamily (as of June 30, 2026) Geographic Exposure New Orleans 40% Northshore 20% Houston 19% Acadiana 12% Baton Rouge 8% Other, 1% | 10 dollars in thousands Balances % of Total Loans % of NOO CRE Avg Loan Size Criticized Balances Multifamily $ 197,624 7 % 31 % $ 1,326 $ 2,759 Retail Multi-tenant 111,164 4 17 1,566 — Multi Use Facility 68,183 3 11 1,136 7,939 Office 64,659 2 10 965 5,811 Other 62,423 2 10 1,115 628 Hotel/Motel 56,312 2 9 1,341 13,126 Warehouse or Industrial 42,750 2 7 570 — Retail Single Tenant 13,716 1 2 473 363 Other Specialty Use 11,177 — 2 621 — Hospital or Surgical Center 10,330 — 1 1,722 — Total $ 638,338 23 % 100 % $ 1,114 $ 30,626 Repricing or Maturing Term dollars in thousands 3 mths or less 4 - 12 mths 1-3 years 3-5 Years 5+ Years Balances $ 153,093 $ 85,298 $ 188,766 $ 139,486 $ 71,695 WAR 6.3 % 4.4 % 6.3 % 6.8 % 4.9 % Average Rate 5.97% Fixed Rate % 69% Nonaccrual Balance $3.0 million

CRE Non-Medical Office Exposure (as of June 30, 2026) | 11 Nonaccrual Balance NOO loans - $0.0 OO loans - $0.0 Total Non-Medical Office Loans $178.0 million or 6.4% of total loans NOO Geographic Exposure Baton Rouge 0.8% Houston 0.8% Norths hore 0.3% Acadiana 0.3% New Orlean s 0.1% dollars in thousands Balances % of Total Loans Avg Loan Size Criticized Balances Baton Rouge $ 23,434 0.8 % $ 1,302 $ — Houston 21,991 0.8 1,833 5,811 Northshore 7,383 0.3 923 — Acadiana 8,329 0.3 379 — New Orleans 3,287 0.1 657 — Mississippi 151 — 151 — Southwest LA 84 — 84 — Total NOO Office $ 64,659 2.3 % $ 965 $ 5,811 dollars in thousands Balances % of Total Loans Avg Loan Size Criticized Balances Acadiana $ 32,692 1.2 % $ 448 $ — Houston 27,421 1.0 946 — New Orleans 22,076 0.8 513 — Baton Rouge 14,515 0.5 415 — Northshore 11,722 0.4 434 — Southwest LA 1,513 0.1 126 — Mississippi 3,426 0.1 381 — Total OO Office $ 113,365 4.1 % $ 497 $ — OO Office Exposure NOO Office Exposure Average Remaining Maturity NOO 5.5 yrs OO 6.7 yrs Average Rate NOO 5.4% OO 5.9%

Commercial & Industrial (as of June 30, 2026) | 12 Nonaccrual Balance $2.6 million LOC Utilization Rate 48% Average Rate 7.0% Geographic Exposure Acadiana 41% Baton Rouge 15% New Orleans 11% Houston 11% Southwest LA 9% Northshore 7% Other 4% Natchez 2% dollars in thousands Balances % of C&I % of Loans Avg Loan Size Criticized Balances Finance and Insurance $ 55,511 12.4 % 2.0 % $ 941 $ 3,823 Professional Services 46,023 10.3 1.7 120 — Retail 45,505 10.2 1.6 241 348 Construction 44,130 9.9 1.6 141 599 Manufacturing 41,328 9.3 1.5 289 12,966 Transportation 40,561 9.1 1.5 294 326 Real Estate Leasing 40,543 9.1 1.5 170 63 Agriculture 31,487 7.1 1.1 189 1,823 Healthcare 30,833 6.9 1.1 136 1,535 Oil & Gas Extraction 11,278 2.5 0.4 166 — Other 59,153 13.3 2.1 148 842 Totals $ 446,352 100 % 16.1 % $ 191 $ 22,325 Repricing or Maturing Term dollars in thousands 3 mths or less 4 -12 Mths 1 - 3 Years 3 - 5 Years 5+ Years Balances $ 253,504 $ 35,278 $ 48,945 $ 41,614 $ 67,011 WAR 7.2 % 6.9 % 6.8 % 6.9 % 6.4 % Fixed Rate % 40%

C&D Portfolio (as of June 30, 2026) Commercial Construction, 57%Lots, Development and Unimproved Land, 24% 1-4 Family Construction, 19% 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 Jun- 26 YTD (0.25)% —% 0.25% 0.50% 0.75% 1.00% Total Balance $324 million Average Balance $579K $1,009K net charge-offs since 2009 1.6% on Nonaccrual or $5.3 million

Loans & Securities - Repricing and Maturity (as of June 30, 2026) | 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 $41 $23 $53 $113 $90 $26 $130 $476 $257 $219 Home equity loans and lines 82 0 0 2 1 1 4 90 7 83 Commercial real estate 220 72 123 286 312 103 100 1,216 759 457 Construction and land 139 58 72 35 15 2 2 323 122 201 Multifamily 22 10 30 70 40 16 9 197 153 44 Commercial and industrial 250 4 35 49 42 42 25 447 179 268 Other consumer 11 1 3 4 3 2 6 30 25 5 Total Loans and Leases $765 $168 $316 $559 $503 $192 $276 $2,779 $1,502 $1,277 % of Total 28% 6% 11% 20% 18% 7% 10% 100% 54% 46% Cumulative 28% 34% 45% 65% 83% 90% 100% Weighted average rate 6.94% 5.71% 5.63% 6.38% 6.64% 5.29% 5.02% 6.25% 5.72% 6.86% 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 $23 $47 $145 $98 $55 $69 $436 % of Total 5% 11% 33% 22% 13% 16% 100% Cumulative 5% 16% 49% 71% 84% 100% Weighted average rate 2.38% 2.57% 2.23% 2.99% 2.86% 2.76% 2.61% (1) Based on maturity date for fixed rate loans. (2) Par value for securities at June 30, 2026 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) $31.5 $2.4 $(1.0) $1.1 $(0.9) $1.7 $(0.8) $31.5 $32.9 $33.1 $34.0 Dec 2023 Organic Provision Net Charge- offs Dec 2024 Organic Provision Net Charge- offs Dec 2025 Organic Provision Net Charge- offs Jun 2026 0 10 20 30 40 2025 (dollars in thousands) 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026 Total loans $ 2,764,538 $ 2,705,895 $ 2,744,023 $ 2,728,146 $ 2,778,890 Total nonperforming loans 23,352 29,522 34,176 35,809 26,424 Total special mention loans 1,812 3,959 4,624 11,148 26,911 Total substandard loans 49,811 57,643 61,131 61,500 68,889 Total criticized loans $ 51,623 $ 61,602 $ 65,755 $ 72,648 $ 95,800 Nonperforming loans / Total loans 0.84 % 1.09 % 1.25 % 1.31 % 0.95 % Criticized loans / Total loans 1.87 % 2.28 % 2.40 % 2.66 % 3.45 % ALL / Total Loans 1.21 % 1.21 % 1.21 % 1.23 % 1.22 % 20262021 Changes in ALL | 15 2024

1.30 0.77 0.49 0.34 0.31 0.45 1.03 1.09 0.75 0.40 0.28 0.14 0.20 0.32 0.80 0.86 NPAs / Total Assets Originated NPAs / Total Assets 2019 2020 2021 2022 2023 2024 2025 Jun-26 YTD 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 0.00 0.04 0.03 0.06 2019 2020 2021 2022 2023 2024 2025 Jun-26 YTD 0.00% 0.05% 0.10% 0.15% Net Charge-offs / YTD Average Loans 63 165 146 267 304 211 92 87 ALL / NPAs 2019 2020 2021 2022 2023 2024 2025 Jun-26 YTD 0% 50% 100% 150% 200% 250% 300% 350% ALL / NPAs 1.73 1.03 0.83 0.41 0.52 0.76 1.24 0.91%1.32 0.74 0.57 0.32 0.36 0.67 1.18 0.64% Past Due Loans / Loans Originated Past Due / Originated Loans 2019 2020 2021 2022 2023 2024 2025 Jun-26 YTD 0.0% 0.5% 1.0% 1.5% 2.0% 2.5% Loans Past Due Credit Quality Trends | 16

Investment Portfolio | 17 (dollars in thousands) Book Value Gain/(loss) Eff. Duration MBS $189,642 $(15,198) 4.0 Agency CMBS 163,255 (3,844) 2.3 Muni 53,336 (5,016) 4.9 CMO 12,464 (478) 2.8 Agency 10,464 (512) 3.3 Corp 5,000 — 4.1 Total $434,161 $(25,048) 3.4 10 Year Investment Cash Flow 9% 28% 42% 54% 65% 76% 81% 87% 91% 94% 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 44% Agency CMBS 38% Muni 12% CMO 3% Agency 2% Corp 1% 11% of total assets 2.7% Q2 yield $25.0 million unrealized loss ~ 5.8% of book value 99.9% AFS $1.1 million MV decline in Q2 $23.9 million increase in book value QoQ

Acadiana 54% New Orleans 14% Houston 11% Northshore 10% Mississippi, 7% Baton Rouge, 4% $ in m illi on s 30% 34% 28% 26% 27% 27% 31% 25% 24% 23% 22% 24% 13% 13% 24% 26% 27% 24% 15% 16% 15% 17% 17% 19% 11% 12% 9% 8% 7% 6% Demand deposits NOW Certificates of deposit Money Market Savings Balance 2021 2022 2023 2024 2025 Jun 2026 2,400 2,800 3,200 3,600 Change (dollars in thousands) 6/30/2025 3/31/2026 6/30/2026 QoQ YoY Demand Deposits $ 796,844 $ 830,030 $ 835,118 $ 5,088 $ 38,274 Savings 204,191 202,058 197,412 (4,646) (6,779) Money Market 463,332 543,120 571,474 28,354 108,142 NOW 625,793 710,071 727,839 17,768 102,046 CDs 818,074 741,502 737,040 (4,462) (81,034) Total Deposits $ 2,908,234 $ 3,026,781 $ 3,068,883 $ 42,102 $ 160,649 Deposits (as of June 30, 2026) | 18 $37,534 Average deposit size 27% Non-interest bearing deposit composition 7% Annualized 2026 growth rate

Deposits (as of June 30, 2026) | 19 Retail Business Public Broker Total FDIC Insured 42% 17% —% —% 59% Uninsured (1) 8 17 — — 25 Reciprocal — 7 — — 7 Public Funds — — 7 — 7 Brokered Deposits — — — 2 2 Total 50% 41% 7% 2% 100% Cost of Deposits 1.52 1.63 1.75 1.73 1.68 1.71 1.76 1.71 1.65 1.72 4.41 4.58 4.59 4.33 4.00 3.86 3.85 3.83 3.50 3.41 2.52 2.69 2.78 2.66 2.51 2.52 2.57 2.51 2.29 2.28 1.82 1.94 2.03 1.94 1.85 1.84 1.88 1.84 1.68 1.66 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 1Q 2026 2Q 2026 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) Q2 2026 FHLB availability $ 1,280,712 Unencumbered investments (book) 66,193 FRB discount window 500 Total primary funding sources $ 1,347,405 Fed fund lines 55,000 Total primary and secondary liquidity $ 1,402,405 Uninsured Deposits(1) Approximately $776 million or 25% of total deposits Coverage of Uninsured Deposits(2) 174%

3.64 3.66 3.71 3.82 3.91 4.04 4.10 4.06 4.16 4.24 NIM 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 3.60% 3.80% 4.00% 4.20% 4.40% NIM (TE) 6.18 6.28 6.43 6.43 6.43 6.50 6.53 6.44 6.41 6.46 Loan Yield 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 6.10% 6.20% 6.30% 6.40% 6.50% 6.60% Yield on Loans 2.79 2.93 3.02 2.87 2.74 2.71 2.69 2.60 2.38 2.38 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 2.3% 2.5% 2.8% 3.0% 3.3% Cost of Interest-Bearing Liabilities Yields | 20 4.24% NIM for the quarter ended June 2026 1.66% Cost of total deposits for the quarter ended June 2026 Month Total borrowings decreased $1.9 million for the quarter ended June 2026

Rate Shock 1 Year % Change in NII 200 6.8% 100 3.5% (100) (4.3)% (200) (8.3)% % of assets 2019 2025 Q2 2026 Q2 Cash 2% 3% 5% Investments 12% 11% 12% Loans, excluding PPP 78% 79% 77% Other Assets 8% 7% 6% NMD - noninterest-bearing 20% 23% 23% NMD - interest-bearing 45% 37% 42% CDs 18% 23% 20% Total Deposits 83% 83% 85% Borrowings 2% 3% —% Subordinated Debt —% 2% 1% Other 1% 1% 1% Equity 14% 11% 13% Loan portfolio effective duration ~ 1.7 (based on management estimates) Cost of 2Q2016 - 3Q2019 3Q2019 - 1Q2022 1Q2022 - 3Q2024 3Q2024 - 2Q2026 Interest-bearing deposits 36% 40% 49% 29% Total deposits 27% 31% 36% 22% Interest-bearing liabilities 33% 40% 53% 38% Funding earning assets 23% 29% 37% 29% 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 Q2- 19 Q4- 19 Q2- 20 Q4- 20 Q2- 21 Q4- 21 Q2- 22 Q4- 22 Q2- 23 Q4- 23 Q2- 24 Q4- 24 Q2- 25 Q4- 25 Q2- 26 —% 1.00% 2.00% 3.00% 4.00% 5.00% Investment Portfolio effective duration = 3.4 46% of loan portfolio is variable

0.62 0.57 0.54 0.44 0.46 0.43 0.45 0.44 2019 2020 2021 2022 2023 2024 2025 Jun-26 YTD 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 2.58 2.70 2019 2020 2021 2022 2023 2024 2025 Jun- 26 YTD 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) 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 Service fees and charges $ 1,345 $ 1,408 $ 1,438 $ 1,437 $ 1,407 Bank card fees 1,750 1,646 1,624 1,594 1,718 Gain on sale of loans 114 144 225 230 229 Loss on sale of assets, net (2) — (4) — (1) Other 509 540 715 477 566 Total noninterest income $ 3,716 $ 3,738 $ 3,998 $ 3,738 $ 3,919 (dollars in thousands) 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 Compensation $ 13,322 $ 13,531 $ 13,974 $ 13,714 $ 15,036 Data processing 2,628 2,556 2,548 2,629 2,655 Occupancy 2,513 2,544 2,406 2,429 2,614 Reversal for unfunded commitments (970) — (105) — — Other 4,914 3,900 4,223 4,168 4,249 Total noninterest expense $ 22,407 $ 22,531 $ 23,046 $ 22,940 $ 24,554 Noninterest expense excl. provision for unfunded $ 23,377 $ 22,531 $ 23,151 $ 22,940 $ 24,554 Noninterest Income & Expense | 22

0.84 0.88 0.91 0.93 1.00 1.01 1.14 0.94 0.20 0.22 0.22 0.23 0.25 0.25 0.27 0.31 0.21 0.22 0.23 0.23 0.25 0.25 0.27 0.310.21 0.22 0.23 0.23 0.25 0.25 0.29 0.320.22 0.22 0.23 0.24 0.25 0.26 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 47.02 Tangible book value 2019 2020 2021 March 2022 2022 2023 2024 2025 June 2026 20 25 30 35 40 45 50 Tangible Book Value Share Repurchase Activity (excluding excise tax) 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 7/17/2026) 7,052 61.16 431,267 Total 2,101,912 $ 35.37 $ 74,337,020 Capital | 23 383,170 shares remaining in current plan as of July 17, 2026 New Share Repurchase Plan approved 400,000 shares 17% Shares repurchased since 2019 8.8% CAGR TBV / share since 2019 Cash acquisition - Texan Bank Cash dividend of $0.32 per share payable on August 14, 2026 *payable in August 2026 *

9.8 10.4 11.0 11.4 11.8 12.1 12.1 14.7 12.4 13.0 13.3 14.1 14.4 14.4 15.9 13.6 14.2 14.5 15.3 15.6 15.6 Tier 1 leverage capital Common equity tier 1 Total risk-based capital 2021 2022 2023 2024 2025 1Q 2026 2Q 2026 0% 5% 10% 15% 20% Capital Ratios (Bank only) Capital | 24 Home Bank, N.A. Home Bancorp, Inc. As Reported Including AOCI (1) As Reported Including AOCI (1) Common Equity Tier 1 capital 14.4% 13.8% 13.2% 12.6% Tier 1 risk based capital 14.4% 13.8% 13.2% 12.6% Total risk based capital 15.6% 15.0% 16.3% 15.6% Tier 1 leverage capital 12.1% 11.6% 11.1% 10.6% (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 June 30, 2026

Investment Perspective | 25

| 26

1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 Total shareholders' equity $ 402,831 $ 408,818 $ 423,044 $ 435,094 $ 444,410 $ 453,457 Less: intangible assets 84,751 84,482 84,214 83,957 83,723 83,513 Non-GAAP tangible shareholders' equity $ 318,080 $ 324,336 $ 338,830 $ 351,137 $ 360,687 $ 369,944 Reported net income $ 10,964 $ 11,330 $ 12,357 $ 11,411 $ 11,360 $ 11,615 Add: amortization CDI, net tax 231 213 212 203 185 166 Non-GAAP tangible net income $ 11,195 $ 11,543 $ 12,569 $ 11,614 $ 11,545 $ 11,781 Return on average equity 11.0 % 11.2 % 11.8 % 10.5 % 10.4 % 10.3 % Add: intangible assets 3.3 3.3 3.2 2.8 2.7 2.6 Non-GAAP return on tangible common equity 14.3 % 14.5 % 15.0 % 13.3 % 13.1 % 12.9 % Book value per share $ 50.82 $ 52.36 $ 54.05 $ 55.56 $ 56.73 $ 57.63 Less: intangible assets 10.69 10.82 10.76 10.72 10.69 10.61 Non-GAAP tangible book value per share $ 40.13 $ 41.54 $ 43.29 $ 44.84 $ 46.04 $ 47.02 Reported net income $ 10,964 $ 11,330 $ 12,357 $ 11,411 $ 11,360 $ 11,615 Less: PPP loan income 17 2 1 1 — — Less: gain (loss) on sale of assets 9 (2) — (4) — (1) Less: loan discount accretion 356 356 347 242 189 201 Add: provision (reversal) for loan losses 394 489 (229) 480 922 762 Add: (reversal) for credit losses on unfunded commitments — (970) — (105) — — Add: CDI amortization 293 269 268 257 234 210 Total non-core items, net of taxes 241 (449) (244) 310 764 610 Core pre-provision net income (1) $ 11,205 $ 10,881 $ 12,113 $ 11,721 $ 12,124 $ 12,225 Appendix (non-GAAP reconciliation) | 27 (dollars in thousands, except per share data) (1) Core pre-provision net income - removes the impact of one time items, PPP income, provision for credit losses, loan discount accretion and CDI.

2020 2021 2022 2023 2024 2025 Jun-26 YTD Total shareholders' equity $ 321,842 $ 351,903 $ 329,954 $ 367,444 $ 396,088 $ 435,094 $ 453,457 Less: intangible assets 63,112 61,949 87,973 86,372 85,044 83,957 83,513 Non-GAAP tangible shareholders' equity $ 258,730 $ 289,954 $ 241,981 $ 281,072 $ 311,044 $ 351,137 $ 369,944 Reported net income $ 24,765 $ 48,621 $ 34,072 $ 40,240 $ 36,427 $ 46,062 $ 22,975 Add: amortization CDI, net tax 1,074 919 1,266 1,264 1,049 859 351 Non-GAAP tangible income $ 25,839 $ 49,540 $ 35,338 $ 41,504 $ 37,476 $ 46,921 $ 23,326 Return on average equity 7.8 % 14.4 % 10.2 % 11.6 % 9.6 % 11.1 % 10.4 % Add: intangible assets 2.4 3.6 3.7 4.4 3.1 3.2 2.6 Non-GAAP return on tangible common equity 10.2 % 18.0 % 13.9 % 16.0 % 12.7 % 14.3 % 13.0 % Originated loans $ 1,625,139 $ 1,593,769 $ 1,961,425 $ 2,169,500 $ 2,354,927 $ 2,436,576 $ 2,508,722 Acquired loans 354,815 246,324 469,325 412,138 363,258 307,447 270,168 Total loans $ 1,979,954 $ 1,840,093 $ 2,430,750 $ 2,581,638 $ 2,718,185 $ 2,744,023 $ 2,778,890 Originated NPAs $ 10,353 $ 8,348 $ 4,489 $ 6,518 $ 10,970 $ 27,838 $ 31,015 Acquired NPAs 9,628 6,116 6,487 3,871 4,638 8,267 8,195 Total NPAs $ 19,981 $ 14,464 $ 10,976 $ 10,389 $ 15,608 $ 36,105 $ 39,210 Originated past due loans $ 12,070 $ 9,071 $ 6,215 $ 7,864 $ 15,681 $ 28,852 $ 16,014 Acquired past due loans 8,335 6,146 3,683 5,569 4,920 5,184 9,286 Total past due loans $ 20,405 $ 15,217 $ 9,898 $ 13,433 $ 20,601 $ 34,036 $ 25,300 Average assets $ 2,491,612 $ 2,765,878 $ 3,178,862 $ 3,262,820 $ 3,386,721 $ 3,473,442 $ 3,548,597 Less: average PPP loans 169,665 169,149 15,691 5,997 4,436 509 66 Average assets excluding PPP loans $ 2,321,947 $ 2,596,729 $ 3,163,171 $ 3,256,823 $ 3,382,285 $ 3,472,933 $ 3,548,531 Appendix (non-GAAP reconciliation) | 28 (dollars in thousands)

2020 2021 2022 2023 2024 2025 Jun-26 YTD Reported noninterest income $ 14,305 $ 16,271 $ 13,885 $ 14,636 $ 14,625 $ 15,461 $ 7,657 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 (1) Non-GAAP noninterest income $ 14,305 $ 15,058 $ 13,859 $ 14,912 $ 14,592 $ 15,458 $ 7,658 Reported noninterest expense $ 62,981 $ 66,982 $ 81,909 $ 82,841 $ 87,289 $ 89,563 $ 47,494 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 $ 47,494 Reported net income $ 24,765 $ 48,621 $ 34,072 $ 40,240 $ 36,427 $ 46,062 $ 22,975 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 (1) Less: gain (loss) on sale of securities — — — (249) — — — Less: loan discount accretion 4,097 2,361 2,933 2,532 1,888 1,301 390 Add: provision (reversal) for loan losses 12,728 (10,161) 7,489 2,341 2,415 1,134 1,684 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 1,087 444 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) 1,374 Core pre-provision net income (1) $ 28,001 $ 28,799 $ 39,619 $ 41,309 $ 37,880 $ 45,920 $ 24,349 (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 2025 1Q2026 2Q2026 Total shareholders' equity $ 321,842 $ 351,903 $ 337,504 $ 329,954 $ 367,444 $ 396,088 $ 435,094 $ 444,410 $ 453,457 Less: intangible assets 63,112 61,949 87,569 87,973 86,372 85,044 83,957 83,723 83,513 Non-GAAP tangible shareholders' equity $ 258,730 $ 289,954 $ 249,935 $ 241,981 $ 281,072 $ 311,044 $ 351,137 $ 360,687 $ 369,944 Shares Outstanding 8,740,104 8,526,907 8,453,014 8,286,084 8,158,281 8,091,522 7,831,342 7,833,804 7,868,139 Book value per share $ 36.82 $ 41.27 $ 39.93 $ 39.82 $ 45.04 $ 48.95 $ 55.56 $ 56.73 $ 57.63 Less: intangible assets 7.22 7.27 10.36 10.62 10.59 10.51 10.72 10.69 10.61 Non-GAAP tangible book value per share $ 29.60 $ 34.00 $ 29.57 $ 29.20 $ 34.45 $ 38.44 $ 44.84 $ 46.04 $ 47.02 Appendix (non-GAAP reconciliation) | 30 (dollars in thousands except for per share data)

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