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  4. [8-K] HOME BANCORP, INC. Reports Material Event

Home Bancorp Q3 2026 earnings fall to $10.1M

After retiring as CEO, John W. Bordelon’s unvested equity awards will continue vesting at 20% annually if he remains on the Company and Bank boards.

Filing Impact
(High)
Filing Sentiment

Sentiment and the balance of points

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Form Type
8-K

Rhea-AI Filing Summary

Home Bancorp, Inc. (HBCP) reported third-quarter 2026 net income of $10.1 million, or $1.28 per diluted share, down $1.5 million from the second quarter. Net interest income was $35.9 million, up $110,000, while net interest margin declined to 4.19% from 4.24%. Six loan relationships totaling $19.5 million were placed on nonaccrual status; nonperforming assets reached $53.7 million, or 1.49% of assets, at September 30, 2026, versus $39.2 million, or 1.09%, at June 30. Management said it does not anticipate sizable losses from those relationships based on its current assessment.

The board declared a quarterly cash dividend of $0.32 per share, payable November 13, 2026, to shareholders of record November 2. John W. Bordelon will retire as CEO effective January 8, 2027, but remain chairman and a board member of the company and bank; Darren E. Guidry will become CEO while continuing as president. Guidry has served as president since July 1, 2026. His salary, incentive plan and benefits will not change at this time.

1 point · 0 major

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Rhea-AI gives every point it takes from this document a weight. Minor counts 1, Moderate 3 and Major 9, so one Major point outweighs several Minor ones. The bar adds up the weights on each side, and when neither side holds more than 65% of the total the balance reads Mixed.

It reads the document as published, with the same rules for every company, and it does not look at what the market expected or at how the stock traded, so a point can be objectively good on a day the stock falls.

Rhea-AI Sentiment measures something else, the tone of the wording.

How the balance worksHow Sentiment works

0 major · 2 points

How the balance works

Positive

  • Minor pointThe quarterly dividend rose to $0.32 per share from $0.31.

Negative

  • Moderate pointNet income fell to $10.1 million from $11.6 million quarter over quarter.
  • Moderate pointNonperforming assets rose 37% to $53.7 million at September 30, 2026.

Filing Explained

After his CEO retirement on January 8, 2027, John Bordelon’s current base salary continues through that date; he remains eligible for a 2026 incentive award, with any payout due by March 12, 2027. His unvested equity awards continue vesting at 20% annually only if he remains on the company and bank boards, and salary-continuation benefits will be treated as retirement benefits under the agreements.

Item 2.02 Results of Operations and Financial Condition Financial
Disclosure of earnings results, typically an earnings press release or preliminary financials.
Item 5.02 Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers Governance
Key personnel changes including departures, elections, or appointments of directors and executive officers.
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, or exhibit attachments filed with this report.
Net income $10.1 million Third quarter 2026; down $1.5 million from the second quarter.
Diluted EPS $1.28 per share Third quarter 2026; $1.48 per share in the second quarter.
Net interest income $35.9 million Third quarter 2026; up $110,000 from the second quarter.
Net interest margin 4.19% Third quarter 2026; 4.24% in the second quarter.
Nonperforming assets $53.7 million At September 30, 2026; 1.49% of total assets, compared with $39.2 million at June 30, 2026.
Provision for loan losses $1.0 million Third quarter 2026; compared with $762,000 in the second quarter.
Quarterly cash dividend $0.32 per share Payable November 13, 2026, to shareholders of record November 2, 2026.
net interest margin financial
"net interest margin declined five basis points to 4.19%"
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.
nonaccrual status financial
"Six loan relationships totaling $19.5 million were placed on nonaccrual status"
Nonaccrual status is when a lender stops recording interest income on a loan because payments are late or the borrower’s ability to pay is in serious doubt. For investors this is a red flag: it signals deteriorating loan quality, can reduce reported earnings and may require the lender to set aside more reserves, much like marking a damaged product off the books until its value is clear.
criticized loans financial
"increasing criticized and nonperforming loans"
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.
allowance for loan losses financial
"the allowance for loan losses totaled $34.4 million"
Allowance for loan losses is money set aside by a bank to cover potential losses if some loans don’t get repaid. It helps the bank stay prepared for bad debts, much like setting aside savings for unexpected expenses. This ensures the bank remains stable even if some borrowers can’t pay back their loans.
non-GAAP tangible book value per share financial
"Non-GAAP tangible book value per share"
Net income $10.1 million Down $1.5 million from the second quarter of 2026.
Diluted EPS $1.28 per share Down from $1.48 per share in the second quarter of 2026.
Net interest income $35.9 million Up $110,000 from the second quarter of 2026.
Net interest margin 4.19% Down 5 basis points from 4.24% in the second quarter of 2026.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What were HBCP’s third-quarter 2026 earnings?
Home Bancorp reported $10.1 million in net income and $1.28 diluted EPS for the third quarter of 2026. Net income was down $1.5 million from the second quarter, when diluted EPS was $1.48.

What dividend did HBCP declare?
The board declared a $0.32-per-share quarterly cash dividend, payable November 13, 2026, to shareholders of record at the close of business on November 2, 2026.

What happens to John W. Bordelon’s compensation and awards when he retires as HBCP CEO?
Mr. Bordelon will receive his current base salary through December 31, 2026, and through his January 8, 2027 retirement date. He remains eligible for a 2026 annual incentive award, payable no later than March 12, 2027; his unvested equity awards will continue vesting at 20% annually if he remains on both boards.

How much did HBCP provide for loan losses in the third quarter of 2026?
Home Bancorp recorded a $1.0 million provision in the third quarter, compared with $762,000 in the second quarter. At September 30, 2026, its allowance for loan losses was $34.4 million, or 1.24% of total loans.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR Accepted by SEC EDGAR
503 Kaliste Saloom RoadLafayetteLouisiana337237-1960October 19, 20260001436425FALSE00014364252025-10-202025-10-20

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)October 19, 2026
Home Bancorp, Inc.
(Exact name of registrant as specified in its charter)
Louisiana001-3419071-1051785
(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 classTrading symbol(s)Name of each exchange on which registered
Common StockHBCPNasdaq 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 2.02Results of Operations and Financial Condition
 
On October 19, 2026, the Registrant announced its results of operations for the quarter ended September 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 5.02Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

(c) After more than 45 years of distinguished service and leadership, Mr. John W. Bordelon will retire as Chief Executive Officer (“CEO”) of Home Bancorp, Inc. (“the Company”), the parent company for Home Bank, N.A. (the “Bank”), effective January 8, 2027. Following his retirement as CEO, he will continue to serve as Chairman and as a member of the Boards of Directors of the Company and the Bank, supporting continuity during the leadership transition.

Effective upon Mr. Bordelon’s retirement, Mr. Darren E. Guidry will assume the role as CEO and continue as President of the Company and the Bank. Mr. Guidry has served as President for the Company and the Bank since July 1, 2026. Since joining the organization in 1993, he has contributed to a balanced approach to growth and risk management, advanced the Company’s strategic priorities, and reinforced its commitment to long-term shareholder value.

Mr. Bordelon will continue to receive his current base salary through December 31, 2026, and for the portion of 2027 ending on his retirement date. He will remain eligible to earn an annual incentive performance award for 2026, with any payout to be made no later than March 12, 2027. Upon retirement, Mr. Bordelon’s outstanding unvested equity awards will continue to vest at a rate of 20% annually, provided he continues to serve as a member of the boards of directors for the Company and the Bank. His benefits under the Company’s and the Bank’s Salary Continuation Agreements will be treated as retirement benefits in accordance with the terms of those agreements.

In connection with Darren E. Guidry’s appointment as CEO upon Mr. Bordelon’s retirement, Mr. Guidry will serve on both the Company and Bank’s Board of Directors. At this time, Mr. Guidry’s salary, annual incentive plan and employee benefits will not change. There are no material plans, contracts or other arrangements (or amendments thereto) to which Mr. Guidry is a party, or in which he participates, that was entered into or amended, in connection with his promotion to CEO, and there are no family relationships between Mr. Guidry and any director or executive officer of the Company or the Bank.

A copy of the Company’s press release announcing the separation of Chief Executive Officer and President roles is attached as Exhibit 99.3 to this Current Report on Form 8-K and is incorporated herein by reference.

Item 7.01
Regulation FD Disclosure

On October 19, 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 8.01Other Events

On October 19, 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 November 13, 2026 to shareholders of record at the close of business on November 2, 2026.







Item 9.01Financial Statements and Exhibits

(a)Not applicable.
(b)Not applicable.
(c)Not applicable.
(d)Exhibits

The following exhibit is filed herewith.
Exhibit NumberDescription
99.1
Press Release - Results of Operations and Financial Condition, dated October 19, 2026
99.2
Home Bancorp, Inc. Investor Presentation - Q3 2026 Results
99.3
Press Release - CEO Retirement
104The 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:  October 19, 2026
By:/s/ John W. Bordelon
John W. Bordelon
Chairman of the Board and Chief Executive Officer

 
 




homebancorp.jpg

For further information contact:
John W. Bordelon, Chairman of the Board and CEO
(337) 237-1960

Release Date:October 19, 2026
For Immediate Release

HOME BANCORP, INC. ANNOUNCES 2026 THIRD QUARTER RESULTS
AND DECLARES QUARTERLY DIVIDEND

Lafayette, Louisiana – Home Bancorp, Inc. (Nasdaq: “HBCP”) (the “Company”), the parent company for Home Bank, N.A. (the “Bank”) (www.home24bank.com), reported financial results for the third quarter of 2026. For the quarter, the Company reported net income of $10.1 million, or $1.28 per diluted common share (“diluted EPS”), down $1.5 million from $11.6 million, or $1.48 diluted EPS, for the second quarter of 2026.

“Quarterly results demonstrated the resilience of our core earnings, with net interest income holding essentially stable despite credit related interest reversals and continued deposit pricing pressure,” said John W. Bordelon, Chief Executive Officer of the Company and the Bank. “Although net interest margin declined five basis points to 4.19%, disciplined balance sheet management partially offset the impact of loans moving to nonaccrual status and higher funding cost. We remain focused on protecting capital, preserving liquidity and deploying resources in ways that support sustainable earnings and long-term shareholder value.”

“We moved promptly to recognize and address emerging credit issues during the quarter,” said Darren E. Guidry, President of the Company and the Bank. “Six loan relationships totaling $19.5 million were placed on nonaccrual status, increasing criticized and nonperforming loans. Based on our current assessment, we do not anticipate sizable losses from these relationships. Our priorities remain disciplined underwriting, active portfolio management and measured balance sheet growth that produces appropriate risk adjusted returns.”

Third Quarter 2026 Highlights

•Loans totaled $2.8 billion at September 30, 2026, down $4.0 million, or less than 1% (a decrease of 1% on an annualized basis), from June 30, 2026.

•Deposits totaled $3.1 billion at September 30, 2026, down $15.4 million, or 0.5% (a decrease of 2% on an annualized basis), from June 30, 2026. Core deposits decreased $28.3 million, or 1.2% (a decrease of 5% on an annualized basis), during the third quarter of 2026 to $2.3 billion.

•Net interest income in the third quarter of 2026 totaled $35.9 million, up $110,000, or less than 1%, from the prior quarter.

•The net interest margin ("NIM") was 4.19% in the third quarter of 2026 compared to 4.24% in the second quarter of 2026. Credit related interest reversals and higher deposit costs were the primary headwinds, while higher interest-earning asset yields and funding mix provided partial offsets. Net interest income remained essentially stable at $35.9 million, demonstrating the earnings benefit of active balance sheet management.

•Nonperforming assets totaled $53.7 million, or 1.49% of total assets, at September 30, 2026, compared to $39.2 million, or 1.09% of total assets, at June 30, 2026. The increase in nonperforming assets is primarily due to six loan
1
    
relationships totaling $19.5 million which were moved to nonaccrual status, partially offset by payoffs and paydowns during the third quarter of 2026.

•The Company recorded a $1.0 million provision to the allowance for loan losses in the third quarter of 2026, compared to a $762,000 provision in the second quarter of 2026. The increase primarily reflected higher reserves on individually analyzed loans, partially offset by the reduction in total loans.


Loans

Loans totaled $2.8 billion at September 30, 2026, down $4.0 million, or less than 1%, from June 30, 2026. The following table summarizes the changes in the Company’s loan portfolio, net of unearned income, from June 30, 2026 through September 30, 2026.

(dollars in thousands)9/30/20266/30/2026Increase (Decrease)
Real estate loans:




One- to four-family first mortgage$469,700 $475,602 $(5,902)(1)%
Home equity loans and lines91,279 90,529 750 1 
Commercial real estate1,224,277 1,215,828 8,449 1 
Construction and land303,735 323,541 (19,806)(6)
Multi-family residential194,134 197,624 (3,490)(2)
Total real estate loans2,283,125 2,303,124 (19,999)(1)
Other loans:



Commercial and industrial462,665 446,352 16,313 4 
Consumer29,074 29,414 (340)(1)
Total other loans491,739 475,766 15,973 3 
Total loans$2,774,864 $2,778,890 $(4,026)— %

The average loan yield was 6.40% for the third quarter of 2026, down 6 basis points from the second quarter of 2026. Loans transferred to nonaccrual status and related interest income reversals of approximately $862,000 reduced the quarterly loan yield by approximately 12 basis points. Loan pricing and portfolio mix recaptured approximately half of that pressure, limiting the reported decline to six basis points and supporting stable net interest income.

Credit Quality and Allowance for Credit Losses

Nonperforming assets (“NPAs”) totaled $53.7 million, or 1.49% of total assets, at September 30, 2026, up $14.5 million, or 37%, from $39.2 million, or 1.09% of total assets, at June 30, 2026. The increase in NPAs during the third quarter of 2026 was primarily due to six loan relationships totaling $19.5 million placed on nonaccrual during the third quarter, partially offset by payoffs and paydowns. Management’s timely recognition of these credits and ongoing workout efforts are intended to contain loss exposure. During the third quarter of 2026, the Company recorded net loan charge-offs of $586,000, compared to net loan charge-offs of $448,000 during the second quarter of 2026.

The Company provisioned $1.0 million to the allowance for loan losses in the third quarter of 2026. At September 30, 2026, the allowance for loan losses totaled $34.4 million, or 1.24% of total loans, compared to $34.0 million, or 1.22% of total loans, at June 30, 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.

2
    
The following tables present the Company’s loan portfolio by credit quality classification as of September 30, 2026 and June 30, 2026.
September 30, 2026
(dollars in thousands)PassSpecial MentionSubstandardTotal
One- to four-family first mortgage
$462,451 $— $7,249 $469,700 
Home equity loans and lines90,766 — 513 91,279 
Commercial real estate1,170,731 14,422 39,124 1,224,277 
Construction and land288,674 1,814 13,247 303,735 
Multi-family residential191,842 1,304 988 194,134 
Commercial and industrial436,301 4,643 21,721 462,665 
Consumer29,055 — 19 29,074 
Total$2,669,820 $22,183 $82,861 $2,774,864 
June 30, 2026
(dollars in thousands)PassSpecial MentionSubstandardTotal
One- to four-family first mortgage
$468,132 $— $7,470 $475,602 
Home equity loans and lines89,820 — 709 90,529 
Commercial real estate1,162,045 19,973 33,810 1,215,828 
Construction and land314,811 1,826 6,904 323,541 
Multi-family residential194,864 1,166 1,594 197,624 
Commercial and industrial424,029 3,946 18,377 446,352 
Consumer29,389 — 25 29,414 
Total$2,683,090 $26,911 $68,889 $2,778,890 

Investment Securities

The Company's investment securities portfolio totaled $415.6 million at September 30, 2026, an increase of $6.5 million, or 2%, from June 30, 2026. At September 30, 2026, the Company had a net unrealized loss position on its investment securities of $36.5 million, compared to a net unrealized loss of $25.0 million at June 30, 2026. The Company’s investment securities portfolio had an effective duration of 3.6 years and 3.4 years at September 30, 2026 and June 30, 2026, respectively. During the third quarter of 2026, the Company made securities purchases of $40.7 million, compared to $39.3 million during the second quarter of 2026. The Company had no securities sales during the third quarter of 2026 and second quarter of 2026.

3
    

The following table summarizes the composition of the Company's investment securities portfolio at September 30, 2026.
(dollars in thousands)Amortized CostFair Value
Available for sale:
U.S. agency mortgage-backed$341,618 $314,724 
Collateralized mortgage obligations43,090 41,813 
Municipal bonds52,703 45,116 
U.S. government agency9,636 8,942 
Corporate bonds5,000 5,000 
Total available for sale$452,047 $415,595 

Approximately 31% of the investment securities portfolio was pledged as of September 30, 2026 to secure public deposits and the discount window with the Federal Reserve. As of September 30, 2026 and June 30, 2026, the Company had $129.6 million and $139.9 million, respectively, of securities pledged to secure public deposits, and $572,000 and none, respectively, pledged to the Federal Reserve discount window.

Deposits

Total deposits were $3.1 billion at September 30, 2026, down $15.4 million, or less than 1%, from June 30, 2026. Core deposits or non-maturity deposits decreased $28.3 million, or 1%, during the third quarter of 2026 to $2.3 billion. The following table summarizes the changes in the Company’s deposits from June 30, 2026 to September 30, 2026.

(dollars in thousands)

9/30/20266/30/2026Increase (Decrease)
Demand deposits$827,696 $835,118 $(7,422)(1)%
Savings192,180 197,412 (5,232)(3)
Money market585,742 571,474 14,268 2 
NOW697,892 727,839 (29,947)(4)
Certificates of deposit749,990 737,040 12,950 2 
Total deposits$3,053,500 $3,068,883 $(15,383)(1)%

The average rate on interest-bearing deposits increased 5 basis points from 2.28% for the second quarter of 2026 to 2.33% for the third quarter of 2026. At September 30, 2026, certificates of deposit maturing within the next 12 months totaled $729.4 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 $933.7 million at September 30, 2026 and $959.4 million at June 30, 2026. Public funds in excess of the FDIC insurance limits are fully collateralized.

Net Interest Income

Net interest income increased $110,000 to $35.9 million in the third quarter, even as NIM decreased 5 basis points from 4.24% for the second quarter of 2026 to 4.19% for the third quarter of 2026. The margin decline was primarily due to lower loan yields following the transfer of loans to nonaccrual status, which resulted in approximately $862,000 of interest income reversals, and an increase in funding cost for average interest-bearing liabilities during the quarter.

The average cost of interest-bearing deposits increased by 5 basis points in the third quarter of 2026 compared to the second quarter of 2026. The increase in deposit costs reflects increases in deposit rates to remain competitive in the market.

Average other interest-earning assets were $150.9 million for the third quarter of 2026, down $7.3 million, or 5%, from the second quarter of 2026, primarily due to a decrease in the average balance of cash and cash equivalents.
4
    

Loan accretion income from acquired loans totaled $187,000 for the third quarter of 2026, down $14,000, or 7%, from the second quarter of 2026.

Noninterest Income

Noninterest income for the third quarter of 2026 totaled $4.2 million, up $282,000, or 7%, from the second quarter of 2026. The increase was related primarily to other income (up $190,000) and service fees and charges (up $105,000), which were partially offset by a decrease in gain on sale of loans, net (down $75,000), for the third quarter of 2026 compared to the second quarter of 2026.

Noninterest Expense

Noninterest expense for the third quarter of 2026 totaled $26.3 million, up $1.8 million, or 7%, from the second quarter of 2026. The increase was primarily related to foreclosed assets, net (up $1.7 million), and franchise and shares tax (up $192,000), which were partially offset by a decrease in other expenses (down $155,000) during the third quarter of 2026.

Capital

At September 30, 2026, shareholders’ equity totaled $453.1 million, down $359,000, or less than 1%, compared to $453.5 million at June 30, 2026. The decrease was primarily due to the increase in accumulated other comprehensive loss on available for sale investment securities, which was partially offset by the Company’s earnings of $10.1 million during the third quarter of 2026. Preliminary Tier 1 leverage capital and total risk-based capital ratios were 12.33% and 16.09%, respectively, at September 30, 2026, compared to 12.11% and 15.61%, respectively, at June 30, 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 payable on November 13, 2026, to shareholders of record as of November 2, 2026.

The Company repurchased 350 shares of its common stock during the third quarter of 2026 at an average price per share of $69.34. An additional 382,820 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 $57.55 and $46.97, respectively, at September 30, 2026.
Conference Call

Executive management will host a conference call to discuss third quarter 2026 results on Tuesday, October 20, 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.

5
    

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)9/30/20266/30/20263/31/202612/31/20259/30/2025
Reported net income$10,097 $11,615 $11,360 $11,411 $12,357 
Add: Core deposit intangible amortization, net tax165 166 185 203 213 
Non-GAAP tangible income$10,262 $11,781 $11,545 $11,614 $12,570 
Total assets$3,596,367 $3,603,193 $3,554,643 $3,492,626 $3,494,074 
Less: Intangible assets83,304 83,513 83,723 83,957 84,214 
Non-GAAP tangible assets$3,513,063 $3,519,680 $3,470,920 $3,408,669 $3,409,860 




Total shareholders’ equity$453,098 $453,457 $444,410 $435,094 $423,044 
Less: Intangible assets83,304 83,513 83,723 83,957 84,214 
Non-GAAP tangible shareholders’ equity$369,794 $369,944 $360,687 $351,137 $338,830 
Return on average equity8.74 %10.34 %10.41 %10.52 %11.78 %
Add: Average intangible assets2.12 2.54 2.64 2.79 3.24 
Non-GAAP return on average tangible common equity10.86 %12.88 %13.05 %13.31 %15.02 %




Common equity ratio12.60 %12.58 %12.50 %12.46 %12.11 %
Less: Intangible assets2.07 2.07 2.11 2.16 2.17 
Non-GAAP tangible common equity ratio10.53 %10.51 %10.39 %10.30 %9.94 %




Book value per share$57.55 $57.63 $56.73 $55.56 $54.05 
Less: Intangible assets10.58 10.61 10.69 10.72 10.76 
Non-GAAP tangible book value per share$46.97 $47.02 $46.04 $44.84 $43.29 



6
    

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.
7
    
HOME BANCORP, INC. AND SUBSIDIARY
CONDENSED STATEMENTS OF FINANCIAL CONDITION
(Unaudited)
(dollars in thousands)9/30/20266/30/20263/31/202612/31/20259/30/2025
Assets
Cash and cash equivalents$179,053 $188,224 $223,484 $141,605 $189,324 
Investment securities available for sale, at fair value415,595 408,582 385,729 391,448 383,340 
Investment securities held to maturity— 530 530 1,065 1,065 
Mortgage loans held for sale774 1,566 1,558 1,558 1,932 
Loans, net of unearned income2,774,864 2,778,890 2,728,146 2,744,023 2,705,895 
Allowance for loan losses(34,427)(33,994)(33,680)(33,142)(32,827)
Total loans, net of allowance for loan losses2,740,437 2,744,896 2,694,466 2,710,881 2,673,068 
Office properties and equipment, net51,467 51,538 50,502 48,995 45,223 
Cash surrender value of bank-owned life insurance50,426 50,131 49,842 49,557 49,269 
Goodwill and core deposit intangibles83,304 83,513 83,723 83,957 84,214 
Accrued interest receivable and other assets75,311 74,213 64,809 63,560 66,639 
Total Assets$3,596,367 $3,603,193 $3,554,643 $3,492,626 $3,494,074 
Liabilities
Deposits$3,053,500 $3,068,883 $3,026,781 $2,972,806 $2,975,503 
Other borrowings— — — — 5,539 
Subordinated debt, net of issuance cost54,838 54,784 54,729 54,675 54,621 
Federal Home Loan Bank advances— — — 3,024 3,059 
Accrued interest payable and other liabilities34,931 26,069 28,723 27,027 32,308 
Total Liabilities3,143,269 3,149,736 3,110,233 3,057,532 3,071,030 
Shareholders' Equity
Common stock79 79 78 78 78 
Additional paid-in capital172,362 171,234 169,995 168,963 168,016 
Common stock acquired by benefit plans(714)(803)(893)(982)(1,071)
Retained earnings309,679 302,171 293,554 284,834 275,912 
Accumulated other comprehensive loss(28,308)(19,224)(18,324)(17,799)(19,891)
Total Shareholders' Equity453,098 453,457 444,410 435,094 423,044 
Total Liabilities and Shareholders' Equity$3,596,367 $3,603,193 $3,554,643 $3,492,626 $3,494,074 

8
    
HOME BANCORP, INC. AND SUBSIDIARY
CONDENSED STATEMENTS OF INCOME
(Unaudited)
Three Months Ended
Nine Months Ended
(dollars in thousands, except per share data)9/30/20266/30/20269/30/20259/30/20269/30/2025
Interest Income
Loans, including fees$45,236 $45,001 $45,607 $133,954 $134,926 
Investment securities3,134 2,804 2,504 8,498 7,764 
Other investments and deposits
1,373 1,414 1,111 4,250 2,362 
Total interest income49,743 49,219 49,222 146,702 145,052 
Interest Expense
Deposits12,984 12,569 13,805 37,959 39,569 
Other borrowings— — 54 — 160 
Subordinated debt expense844 845 845 2,534 2,534 
Federal Home Loan Bank advances
— — 412 7 3,583 
Total interest expense13,828 13,414 15,116 40,500 45,846 
Net interest income35,915 35,805 34,106 106,202 99,206 
Provision (reversal) for loan losses1,019 762 (229)2,703 654 
Net interest income after provision for loan losses
34,896 35,043 34,335 103,499 98,552 
Noninterest Income
Service fees and charges1,512 1,407 1,408 4,356 4,062 
Bank card fees1,773 1,718 1,646 5,085 4,974 
Gain on sale of loans, net154 229 144 613 635 
Income from bank-owned life insurance
295 289 288 869 848 
(Loss) gain on sale of assets, net— (1)— (1)7 
Other income467 277 252 936 937 
Total noninterest income4,201 3,919 3,738 11,858 11,463 
Noninterest Expense
Compensation and benefits15,156 15,036 13,531 43,906 39,505 
Occupancy2,463 2,614 2,544 7,506 7,618 
Marketing and advertising435 522 515 1,451 1,405 
Data processing and communication
2,834 2,655 2,556 8,118 7,826 
Professional fees422 417 406 1,240 1,207 
Forms, printing and supplies178 179 175 576 578 
Franchise and shares tax532 340 475 1,212 1,434 
Regulatory fees471 460 459 1,393 1,477 
Foreclosed assets, net2,042 385 377 2,481 1,023 
Amortization of acquisition intangible
209 210 268 653 830 
Reversal for credit losses on unfunded commitments
— — — — (970)
Other expenses1,581 1,736 1,225 5,281 4,584 
Total noninterest expense26,323 24,554 22,531 73,817 66,517 
Income before income tax expense
12,774 14,408 15,542 41,540 43,498 
Income tax expense2,677 2,793 3,185 8,468 8,847 
Net income$10,097 $11,615 $12,357 $33,072 $34,651 
Earnings per share - basic$1.30 $1.49 $1.60 $4.26 $4.45 
Earnings per share - diluted$1.28 $1.48 $1.59 $4.21 $4.41 
Cash dividends declared per common share
$0.32 $0.31 $0.29 $0.94 $0.83 

9
    
HOME BANCORP, INC. AND SUBSIDIARY
SUMMARY FINANCIAL INFORMATION
(Unaudited)
Three Months Ended
Nine Months Ended
(dollars in thousands, except per share data)9/30/20266/30/20269/30/20259/30/20269/30/2025
EARNINGS DATA
Total interest income$49,743 $49,219 $49,222 $146,702 $145,052 
Total interest expense13,828 13,414 15,116 40,500 45,846 
Net interest income35,915 35,805 34,106 106,202 99,206 
Provision for loan losses
1,019 762 (229)2,703 654 
Total noninterest income4,201 3,919 3,738 11,858 11,463 
Total noninterest expense26,323 24,554 22,531 73,817 66,517 
Income tax expense2,677 2,793 3,185 8,468 8,847 
Net income$10,097 $11,615 $12,357 $33,072 $34,651 
AVERAGE BALANCE SHEET DATA
Total assets$3,588,774 $3,564,832 $3,467,070 $3,562,136 $3,463,833 
Total interest-earning assets3,363,094 3,341,316 3,255,291 3,338,553 3,252,602 
Total loans2,773,575 2,762,370 2,743,695 2,757,008 2,750,985 
Total interest-bearing deposits2,211,365 2,208,807 2,128,540 2,205,625 2,085,330 
Total interest-bearing liabilities2,266,175 2,263,561 2,228,117 2,261,009 2,256,278 
Total deposits3,043,559 3,029,628 2,918,938 3,025,372 2,852,176 
Total shareholders' equity458,174 450,365 416,239 450,440 408,083 
PER SHARE DATA
Earnings per share - basic$1.30 $1.49 $1.60 $4.26 $4.45 
Earnings per share - diluted1.28 1.48 1.59 4.21 4.41 
Book value at period end57.55 57.63 54.05 57.55 54.05 
Tangible book value at period end46.97 47.02 43.29 46.97 43.29 
Shares outstanding at period end7,873,701 7,868,139 7,827,481 7,873,701 7,827,481 
Weighted average shares outstanding
Basic7,795,970 7,768,468 7,712,707 7,768,603 7,789,001 
Diluted7,874,209 7,853,358 7,782,979 7,851,618 7,862,712 
SELECTED RATIOS (1)
Return on average assets1.12 %1.31 %1.41 %1.24 %1.34 %
Return on average equity8.74 10.34 11.78 9.82 11.35 
Common equity ratio12.60 12.58 12.11 12.60 12.11 
Efficiency ratio (2)
65.62 61.81 59.54 62.52 60.10 
Average equity to average assets12.77 12.63 12.01 12.65 11.78 
Tier 1 leverage capital ratio (3)
12.33 12.11 11.80 12.33 11.80 
Total risk-based capital ratio (3)
16.09 15.61 15.24 16.09 15.24 
Net interest margin (4)
4.19 4.24 4.10 4.20 4.02 
SELECTED NON-GAAP RATIOS (1)
Tangible common equity ratio (5)
10.53 %10.51 %9.94 %10.53 %9.94 %
Return on average tangible common equity (6)
10.86 12.88 15.02 12.24 14.59 

10
    
(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.
11
    
HOME BANCORP, INC. AND SUBSIDIARY
Consolidated Net Interest Margin
(Unaudited)

Three Months Ended

9/30/20266/30/20269/30/2025
(dollars in thousands)Average BalanceInterestAverage Yield/ RateAverage BalanceInterestAverage Yield/ RateAverage BalanceInterestAverage Yield/ Rate
Interest-earning assets:






Loans receivable$2,773,575 $45,236 6.40 %$2,762,370 $45,001 6.46 %$2,743,695 $45,607 6.53 %
Investment securities (TE)(1)
438,596 3,134 2.87 420,771 2,804 2.68 411,889 2,504 2.45 
Other interest-earning assets150,923 1,373 3.61 158,175 1,414 3.59 99,707 1,111 4.42 
Total interest-earning assets$3,363,094 $49,743 5.82 %$3,341,316 $49,219 5.85 %$3,255,291 $49,222 5.95 %
Interest-bearing liabilities:






Deposits:






Savings, checking, and money market$1,467,688 $6,524 1.76 %$1,471,806 $6,297 1.72 %$1,301,888 $5,783 1.76 %
Certificates of deposit743,677 6,460 3.45 737,001 6,272 3.41 826,652 8,022 3.85 
Total interest-bearing deposits2,211,365 12,984 2.33 2,208,807 12,569 2.28 2,128,540 13,805 2.57 
Other borrowings— — — — — — 5,539 54 3.80 
Subordinated debt54,810 844 6.17 54,754 845 6.17 54,593 845 6.19 
FHLB advances— — — — — — 39,445 412 4.12 
Total interest-bearing liabilities$2,266,175 $13,828 2.42 %$2,263,561 $13,414 2.38 %$2,228,117 $15,116 2.69 %
Noninterest-bearing deposits$832,194 $820,821 $790,398 
Net interest spread (TE)(1)


3.40 %


3.47 %3.26 %
Net interest margin (TE)(1)


4.19 %


4.24 %4.10 %
(1)Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%.
12
    

HOME BANCORP, INC. AND SUBSIDIARY
Consolidated Net Interest Margin
(Unaudited)

Nine Months Ended

9/30/20269/30/2025
(dollars in thousands)Average BalanceInterestAverage Yield/ RateAverage BalanceInterestAverage Yield/ Rate
Interest-earning assets:



Loans receivable$2,757,008 $133,954 6.42 %$2,750,985 $134,926 6.49 %
Investment securities (TE)(1)
422,340 8,498 2.70 425,915 7,764 2.45 
Other interest-earning assets159,205 4,250 3.57 75,702 2,362 4.17 
Total interest-earning assets$3,338,553 $146,702 5.82 %$3,252,602 $145,052 5.90 %
Interest-bearing liabilities:
Deposits:
Savings, checking, and money market$1,457,177 $18,629 1.71 %$1,301,660 $16,715 1.72 %
Certificates of deposit748,448 19,330 3.45 783,670 22,854 3.90 
Total interest-bearing deposits2,205,625 37,959 2.30 2,085,330 39,569 2.54 
Other borrowings— — — 5,550 160 3.84 
Subordinated debt54,755 2,534 6.17 54,540 2,534 6.20 
FHLB advances629 7 1.51 110,858 3,583 4.27 
Total interest-bearing liabilities$2,261,009 $40,500 2.39 %$2,256,278 $45,846 2.71 %
Noninterest-bearing deposits$819,747 $766,846 
Net interest spread (TE)(1)
3.43 %3.19 %
Net interest margin (TE)(1)
4.20 %4.02 %
(1)Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%.
13
    

HOME BANCORP, INC. AND SUBSIDIARY
SUMMARY CREDIT QUALITY INFORMATION
(Unaudited)
Three Months Ended
9/30/20266/30/20263/31/202612/31/20259/30/2025
CREDIT QUALITY (1)
Nonaccrual loans:
One- to four-family first mortgage
$6,792 $6,423 $8,337 $6,531 $6,402 
Home equity loans and lines513 709 542 531 1,008 
Commercial real estate22,354 10,092 10,837 9,011 10,016 
Construction and land4,808 5,277 12,812 15,367 9,847 
Multi-family residential679 1,281 1,281 1,281 973 
Commercial and industrial6,721 2,585 1,945 1,344 1,161 
Consumer19 25 41 46 60 
Total nonaccrual loans
$41,886 $26,392 $35,795 $34,111 $29,467 
Accruing loans 90 days or more past due282 32 14 65 55 
Total nonperforming loans42,168 26,424 35,809 34,176 29,522 
Foreclosed assets and ORE11,568 12,786 4,093 1,929 1,384 
Total nonperforming assets$53,736 $39,210 $39,902 $36,105 $30,906 
Nonperforming assets to total assets1.49 %1.09 %1.12 %1.03 %0.88 %
Nonperforming loans to total assets1.17 0.73 1.01 0.98 0.84 
Nonperforming loans to total loans1.52 0.95 1.31 1.25 1.09 
ALLOWANCE FOR CREDIT LOSSES
Allowance for loan losses:
Beginning balance
$33,994 $33,680 $33,142 $32,827 $33,432 
Provision (reversal) for loan losses1,019 762 922 480 (229)
Charge-offs
(653)(564)(413)(189)(488)
Recoveries
67 116 29 24 112 
Net charge-offs
(586)(448)(384)(165)(376)
Ending balance
$34,427 $33,994 $33,680 $33,142 $32,827 
Reserve for unfunded lending commitments(2)
Beginning balance
$1,625 $1,625 $1,625 $1,730 $1,730 
Reversal for losses on unfunded lending commitments— — — (105)— 
Ending balance
$1,625 $1,625 $1,625 $1,625 $1,730 
Total allowance for credit losses36,052 35,619 35,305 34,767 34,557 
Total loans
$2,774,864 $2,778,890 $2,728,146 $2,744,023 $2,705,895 
Total unfunded commitments
553,656 520,729 533,398 509,331 509,709 
14
    
HOME BANCORP, INC. AND SUBSIDIARY
SUMMARY CREDIT QUALITY INFORMATION
(Unaudited)
Three Months Ended
9/30/20266/30/20263/31/202612/31/20259/30/2025
Allowance for loan losses to nonperforming assets64.07 %86.70 %84.41 %91.79 %106.22 %
Allowance for loan losses to nonperforming loans81.64 128.65 94.05 96.97 111.20 
Allowance for loan losses to total loans1.24 1.22 1.23 1.21 1.21 
Allowance for credit losses to total loans1.30 1.28 1.29 1.27 1.28 
Year-to-date loan charge-offs$(1,630)$(977)$(413)$(1,363)$(1,174)
Year-to-date loan recoveries212 145 29 455 431 
Year-to-date net loan charge-offs$(1,418)$(832)$(384)$(908)$(743)
Annualized YTD net loan charge-offs to average loans(0.07)%(0.06)%(0.06)%(0.03)%(0.04)%
(1)It is our policy to cease accruing interest on loans 90 days or more past due, with certain limited exceptions. Nonperforming assets consist of nonperforming loans, foreclosed assets and surplus real estate (ORE). Foreclosed assets consist of assets acquired through foreclosure or acceptance of title in-lieu of foreclosure. ORE consists of closed or unused bank buildings.
(2)The allowance for unfunded lending commitments is recorded within accrued interest payable and other liabilities on the Consolidated Statements of Financial Condition.
15
Q3 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 assumptions, 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 breaches; 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 presentation, 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 September 30, 2026 • Market Cap: $519 million at October 16, 2026 • Ownership (S&P Global as of October 16, 2026) • Institutional: 55% • Insider/ESOP: 12% | 3 Our Company Total Assets $3.6B Total Loans $2.8B Total Deposits $3.1B

 

| 4 Our Markets

 

Quarterly Financial Highlights 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 Profitability Net income $ 11,330 $ 12,357 $ 11,411 $ 11,360 $ 11,615 $ 10,097 Diluted EPS 1.45 1.59 1.46 1.45 1.48 1.28 Net interest income 33,351 34,106 34,048 34,482 35,805 35,915 Provision (reversal) for loan losses 489 (229) 480 922 762 1,019 Core pre-provision net income(1) 10,881 12,113 11,721 12,124 12,225 10,919 Net interest margin ("NIM") 4.04 % 4.10 % 4.06 % 4.16 % 4.24 % 4.19 % ROA 1.31 1.41 1.29 1.30 1.31 1.12 ROE 11.2 11.8 10.5 10.4 10.3 8.7 ROATCE(1) 14.5 15.0 13.3 13.1 12.9 10.9 Efficiency ratio 60.5 59.5 60.6 60.0 61.8 65.6 Balance Sheet Assets $ 3,491,455 $ 3,494,074 $ 3,492,626 $ 3,554,643 $ 3,603,193 $ 3,596,367 Loans 2,764,538 2,705,895 2,744,023 2,728,146 2,778,890 2,774,864 Total deposits 2,908,234 2,975,503 2,972,806 3,026,781 3,068,883 3,053,500 Allowance / total loan ratio 1.21 % 1.21 % 1.21 % 1.23 % 1.22 % 1.24 % TCE Ratio 9.5 9.9 10.3 10.4 10.5 10.5 Loan/Deposit ratio 95.1 90.9 92.3 90.1 90.6 90.9 Per Share Data Share price $ 51.78 $ 54.33 $ 57.80 $ 60.58 $ 68.52 $ 66.06 Book value 52.36 54.05 55.56 56.73 57.63 57.55 Tangible book value(1) 41.54 43.29 44.84 46.04 47.02 46.97 Price / tangible book value per share 125 % 126 % 129 % 132 % 146 % 141 % Dividend paid $ 0.27 $ 0.29 $ 0.31 $ 0.31 $ 0.31 $ 0.32 (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 Sep- 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 = 11.4% as of September 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 1.12 1.04 1.25 1.27 1.12 1.32 1.39 1.38 1.21 GAAP Core pre-provision earnings 2020 2021 2022 2023 2024 2025 1Q 2026 2Q 2026 3Q 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 8.7 8.9 8.5 11.8 11.9 9.9 11.1 11.1 10.9 9.5 GAAP Core pre-provision earnings 2020 2021 2022 2023 2024 2025 1Q 2026 2Q 2026 3Q 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 10.9 11.1 10.5 15.6 15.9 12.8 13.9 13.7 13.4 11.6 ROATCE Core pre-provision earnings 2020 2021 2022 2023 2024 2025 1Q 2026 2Q 2026 3Q 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 65.6 63.8 64.8 61.2 61.3 64.6 60.8 59.7 61.6 65.4 GAAP Core pre-provision earnings 2020 2021 2022 2023 2024 2025 1Q 2026 2Q 2026 3Q 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 3Q 2024 1Q 2025 3Q 2025 1Q 2026 3Q 2026 2,550 2,600 2,650 2,700 2,750 2,800 Loan Portfolio (as of September 30, 2026) CRE O.O. 28% 1-4 Mortgage 17% CRE N.O.O. 16% C&I 17% C&D 11% Multifamily 7% Home Equity 3% Consumer 1% Composition Market Diversification Acadiana 27% New Orleans 27%Houston 21% Northshore 12% Baton Rouge 11% MS 2% • Total loans - $2.8 billion • 3Q 2026 WAR - 6.40% • Houston market - 6% YTD annualized growth rate • YTD 2026 annualized growth rate - 2% • Houston market - 6% annualized growth rate YTD | 8 (1)% 4% 3% (8)% 6% 7% 1% 6% (2)% 8%

 

OO CRE Portfolio (as of September 30, 2026) Geographic Exposure | 9 dollars in thousands Balances % of Total Loans % of OO CRE Avg Loan Size Criticized Balances Convenience Store $ 177,514 6 % 23 % $ 1,675 $ — Warehouse or Industrial 126,998 5 16 730 7,329 Office 112,128 4 14 494 785 Office Medical 88,224 3 11 840 4,837 Other Specialty Use 60,237 2 8 972 6,905 Retail Single Tenant 53,332 2 7 658 — Church/School Mtg 47,181 2 6 1,026 1,417 Hospital or Surgical Center 46,979 2 6 4,271 — Restaurant/Bar 46,406 2 6 682 3,503 Other 25,762 1 3 758 1,066 Total $ 784,761 28 % 100 % $ 859 $ 25,842 Repricing or Maturing Term dollars in thousands 3 mths or less 4 - 12 mths 1 - 3 Years 3 - 5 Years 5+ Years Balances $ 171,668 $ 70,329 $ 159,967 $ 234,539 $ 148,258 WAR 6.2 % 5.3 % 6.1 % 6.4 % 4.6 % Average Rate 5.8% Fixed Rate % 61% Convenience Store Balances 88% in Houston Nonaccrual Balance $12.3 million Houston, 38% Acadiana, 24% New Orleans 14% Northshore 11% Baton Rouge 11% Mississippi, 1% Southwest LA, 1%

 

NOO CRE Portfolio, including Multifamily (as of September 30, 2026) Geographic Exposure New Orleans 42% Houston 19% Northshore 18% Acadiana 12% Baton Rouge 8% Other, 1% | 10 dollars in thousands Balances % of Total Loans % of NOO CRE Avg Loan Size Criticized Balances Multifamily $ 194,134 7 % 31 % $ 1,330 $ 2,292 Retail Multi-tenant 106,734 4 17 1,570 — Other 72,849 3 11 1,194 238 Multi Use Facility 65,975 2 10 1,100 9,302 Office 62,773 2 10 923 5,948 Hotel/Motel 53,160 2 8 1,329 11,847 Warehouse or Industrial 43,053 2 7 574 — Retail Single Tenant 14,205 1 2 458 326 Hospital or Surgical Center 10,457 — 2 1,743 — Other Specialty Use 10,310 — 2 573 100 Total $ 633,650 23 % 100 % $ 1,106 $ 30,053 Repricing or Maturing Term dollars in thousands 3 mths or less 4 - 12 mths 1-3 years 3-5 Years 5+ Years Balances $ 150,584 $ 85,613 $ 171,725 $ 165,593 $ 60,135 WAR 6.3 % 4.6 % 6.4 % 6.6 % 5.2 % Average Rate 6.05% Fixed Rate % 68% Nonaccrual Balance $10.7 million

 

CRE Non-Medical Office Exposure (as of September 30, 2026) | 11 Nonaccrual Balance NOO loans - $172,000 OO loans - $112,000 Total Non-Medical Office Loans $174.9 million or 6.3% of total loans NOO Geographic Exposure Baton Rouge 0.9% Houston 0.7% Norths hore 0.2% Acadiana 0.3% New Orlean s 0.1% dollars in thousands Balances % of Total Loans Avg Loan Size Criticized Balances Baton Rouge $ 23,905 0.9 % $ 1,258 $ 172 Houston 19,800 0.7 1,980 5,776 Northshore 6,508 0.2 813 — Acadiana 8,904 0.3 387 — New Orleans 3,431 0.1 572 — Mississippi 141 — 141 — Southwest LA 84 — 84 — Total NOO Office $ 62,773 2.2 % $ 923 $ 5,948 dollars in thousands Balances % of Total Loans Avg Loan Size Criticized Balances Acadiana $ 32,701 1.2 % $ 442 $ — Houston 26,945 1.0 929 — New Orleans 22,999 0.8 535 112 Baton Rouge 13,891 0.5 409 — Northshore 11,554 0.4 444 — Southwest LA 1,381 0.1 126 — Mississippi 2,657 0.1 266 673 Total OO Office $ 112,128 4.1 % $ 494 $ 785,000 OO Office Exposure NOO Office Exposure Average Remaining Maturity NOO 5.7 yrs OO 6.8 yrs Average Rate NOO 5.6% OO 6.0%

 

Commercial & Industrial (as of September 30, 2026) | 12 Nonaccrual Balance $6.7 million LOC Utilization Rate 47% Average Rate 7.1% Geographic Exposure Acadiana 42% Baton Rouge 14% Houston 11% New Orleans 11% Southwest LA 9% Northshore 7% Other 3% Natchez 3% dollars in thousands Balances % of C&I % of Loans Avg Loan Size Criticized Balances Finance and Insurance 51,782 11.2 1.9 893 3,565 Retail 47,128 10.2 1.7 244 — Real Estate Leasing 45,667 9.9 1.6 188 2,464 Construction 44,405 9.6 1.6 145 1,088 Professional Services 43,930 9.5 1.6 118 946 Manufacturing 41,782 9.0 1.5 294 12,894 Transportation 40,259 8.7 1.5 305 255 Agriculture 34,788 7.5 1.3 208 1,797 Healthcare 31,228 6.7 1.1 141 1,490 Oil & Gas Extraction 16,514 3.6 0.6 246 766 Other $ 65,182 14.1 % 2.3 % $ 160 $ 1,102 Totals $ 462,665 100 % 16.7 % $ 199 $ 26,367 Repricing or Maturing Term dollars in thousands 3 mths or less 4 -12 Mths 1 - 3 Years 3 - 5 Years 5+ Years Balances $ 260,349 $ 28,257 $ 61,132 $ 39,276 $ 73,651 WAR 7.5 % 5.9 % 6.8 % 6.6 % 6.5 % Fixed Rate % 42%

 

C&D Portfolio (as of September 30, 2026) Commercial Construction, 59% Lots, Development and Unimproved Land, 22% 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 Sep- 26 YTD (0.25)% —% 0.25% 0.50% 0.75% 1.00% Total Balance $304 million Average Balance $552K $1.0M net charge-offs since 2009 1.6% on Nonaccrual or $4.8 million

 

Loans & Securities - Repricing and Maturity (as of September 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 $37 $16 $63 $100 $92 $25 $137 $470 $252 $218 Home equity loans and lines 84 0 1 1 1 1 3 91 7 84 Commercial real estate 222 75 117 270 357 87 96 1,224 763 461 Construction and land 154 68 31 32 15 2 2 304 111 193 Multifamily 18 7 39 62 43 16 9 194 148 46 Commercial and industrial 236 24 28 61 40 47 27 463 196 267 Other consumer 10 2 2 5 3 2 5 29 24 5 Total Loans and Leases $761 $192 $281 $531 $551 $180 $279 $2,775 $1,501 $1,274 % of Total 27% 7% 10% 20% 20% 6% 10% 100% 54% 46% Cumulative 27% 34% 44% 64% 84% 90% 100% Weighted average rate 7.16% 5.81% 5.45% 6.44% 6.53% 5.45% 5.14% 6.32% 5.75% 6.98% 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 $19 $50 $142 $115 $55 $75 $455 % of Total 4% 11% 31% 25% 13% 16% 100% Cumulative 4% 15% 46% 71% 84% 100% Weighted average rate 2.53% 2.84% 2.29% 3.27% 2.96% 2.94% 2.79% (1) Based on maturity date for fixed rate loans. (2) Par value for securities at September 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) $2.7 $(1.4) $31.5 $32.9 $33.1 $34.4 Dec 2023 Organic Provision Net Charge- offs Dec 2024 Organic Provision Net Charge- offs Dec 2025 Organic Provision Net Charge- offs Sep 2026 0 10 20 30 40 2025 (dollars in thousands) 9/30/2025 12/31/2025 3/31/2026 6/30/2026 9/30/2026 Total loans $ 2,705,895 $ 2,744,023 $ 2,728,146 $ 2,778,890 $ 2,774,864 Total nonperforming loans 29,522 34,176 35,809 26,424 42,168 Total special mention loans 3,959 4,624 11,148 26,911 22,183 Total substandard loans 57,643 61,131 61,500 68,889 82,861 Total criticized loans $ 61,602 $ 65,755 $ 72,648 $ 95,800 $ 105,044 Nonperforming loans / Total loans 1.09 % 1.25 % 1.31 % 0.95 % 1.52 % Criticized loans / Total loans 2.28 % 2.40 % 2.66 % 3.45 % 3.79 % ALL / Total Loans 1.21 % 1.21 % 1.23 % 1.22 % 1.24 % 20262021 Changes in ALL | 15 2024

 

1.30 0.77 0.49 0.34 0.31 0.45 1.03 1.49 NPAs / Total Assets 2019 2020 2021 2022 2023 2024 2025 Sep-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 0.07 2019 2020 2021 2022 2023 2024 2025 Sep-26 YTD 0.00% 0.05% 0.10% 0.15% Net Charge-offs / YTD Average Loans 63 165 146 267 304 211 92 64 ALL / NPAs 2019 2020 2021 2022 2023 2024 2025 Sep-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 1.20% Past Due Loans / Loans 2019 2020 2021 2022 2023 2024 2025 Sep-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 $207,568 $(21,164) 4.2 Agency CMBS 165,434 (6,337) 2.4 Muni 52,703 (7,587) 4.9 CMO 11,706 (670) 3.1 Agency 9,636 (694) 3.3 Corp 5,000 — 3.9 Total $452,047 $(36,452) 3.6 10 Year Investment Cash Flow 4% 22% 37% 49% 60% 73% 80% 85% 90% 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 46% Agency CMBS 37% Muni 12% CMO 2% Agency 2% Corp 1% 12% of total assets 2.9% Q3 yield $36.5 million unrealized loss ~ 8.1% of book value 100% AFS $11.4 million MV decline in Q3 $17.9 million increase in book value QoQ

 

Acadiana 53% New Orleans 15% 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% 23% 13% 13% 24% 26% 27% 25% 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 Sep 2026 2,400 2,800 3,200 3,600 Change (dollars in thousands) 9/30/2025 6/30/2026 9/30/2026 QoQ YoY Demand Deposits $ 801,974 $ 835,118 $ 827,696 $ (7,422) $ 25,722 Savings 200,135 197,412 192,180 (5,232) (7,955) Money Market 499,404 571,474 585,742 14,268 86,338 NOW 641,204 727,839 697,892 (29,947) 56,688 CDs 832,786 737,040 749,990 12,950 (82,796) Total Deposits $ 2,975,503 $ 3,068,883 $ 3,053,500 $ (15,383) $ 77,997 Deposits (as of September 30, 2026) | 18 $37,339 Average deposit size 27% Non-interest bearing deposit composition 4% Annualized 2026 growth rate

 

Deposits (as of September 30, 2026) | 19 Retail Business Public Broker Total FDIC Insured 43% 17% —% —% 60% Uninsured (1) 7 18 — — 25 Reciprocal — 6 — — 6 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 1.76 4.41 4.58 4.59 4.33 4.00 3.86 3.85 3.83 3.50 3.41 3.45 2.52 2.69 2.78 2.66 2.51 2.52 2.57 2.51 2.29 2.28 2.33 1.82 1.94 2.03 1.94 1.85 1.84 1.88 1.84 1.68 1.66 1.69 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 3Q 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) Q3 2026 FHLB availability $ 1,339,761 Unencumbered investments (book) 76,011 FRB discount window 700 Total primary funding sources $ 1,416,472 Fed fund lines 55,000 Total primary and secondary liquidity $ 1,471,472 Uninsured Deposits(1) Approximately $760 million or 25% of total deposits Coverage of Uninsured Deposits(2) 186%

 

3.64 3.66 3.71 3.82 3.91 4.04 4.10 4.06 4.16 4.24 4.19 NIM 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 3Q 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 6.40 Loan Yield 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 6.00% 6.20% 6.40% 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 2.42 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 2.3% 2.5% 2.8% 3.0% 3.3% Cost of Interest-Bearing Liabilities Yields | 20 4.19% NIM for the quarter ended September 2026 1.69% Cost of total deposits for the quarter ended September 2026 Month Total borrowings increased $56,000 for the quarter ended September 2026

 

Rate Shock 1 Year % Change in NII 200 4.8% 100 2.5% (100) (3.3)% (200) (6.1)% % of assets 2019 2025 Q3 2026 Q3 Cash 2% 5% 5% Investments 12% 11% 12% Loans, excluding PPP 78% 77% 77% Other Assets 8% 7% 6% NMD - noninterest-bearing 20% 23% 23% NMD - interest-bearing 45% 38% 41% CDs 18% 24% 21% Total Deposits 83% 85% 85% Borrowings 2% —% —% Subordinated Debt —% 2% 1% Other 1% 1% 1% Equity 14% 12% 13% Loan portfolio effective duration ~ 1.8 (based on management estimates) Cost of 2Q2016 - 3Q2019 3Q2019 - 1Q2022 1Q2022 - 3Q2024 3Q2024 - 3Q2026 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 Q3- 26 —% 1.00% 2.00% 3.00% 4.00% 5.00% Investment Portfolio effective duration = 3.6 46% of loan portfolio is variable

 

0.62 0.57 0.54 0.44 0.46 0.43 0.45 0.45 2019 2020 2021 2022 2023 2024 2025 Sep-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 2.77 2019 2020 2021 2022 2023 2024 2025 Sep- 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) 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 Service fees and charges $ 1,408 $ 1,438 $ 1,437 $ 1,407 $ 1,512 Bank card fees 1,646 1,624 1,594 1,718 1,773 Gain on sale of loans 144 225 230 229 154 Loss on sale of assets, net — (4) — (1) — Other 540 715 477 566 762 Total noninterest income $ 3,738 $ 3,998 $ 3,738 $ 3,919 $ 4,201 (dollars in thousands) 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 Compensation $ 13,531 $ 13,974 $ 13,714 $ 15,036 $ 15,156 Data processing 2,556 2,548 2,629 2,655 2,834 Occupancy 2,544 2,406 2,429 2,614 2,463 Reversal for unfunded commitments — (105) — — — Foreclosed asset, net 377 54 54 385 2,042 Other 3,523 4,169 4,114 3,864 3,828 Total noninterest expense $ 22,531 $ 23,046 $ 22,940 $ 24,554 $ 26,323 Noninterest expense excl. foreclosed asset $ 22,154 $ 22,992 $ 22,886 $ 24,169 $ 24,281 Noninterest Income & Expense | 22

 

0.84 0.88 0.91 0.93 1.00 1.01 1.14 1.26 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 0.32 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 46.97 Tangible book value 2019 2020 2021 March 2022 2022 2023 2024 2025 September 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 10/16/2026) 7,402 61.54 455,536 Total 2,102,262 $35.37 $ 74,361,289 Capital | 23 382,820 shares remaining in current plan as of October 16, 2026 New Share Repurchase Plan approved 400,000 shares 17% Shares repurchased since 2019 8.4% CAGR TBV / share since 2019 Cash acquisition - Texan Bank Cash dividend of $0.32 per share payable on November 13, 2026 *payable in November 2026 *

 

9.8 10.4 11.0 11.4 11.8 12.1 12.1 12.3 14.7 12.4 13.0 13.3 14.1 14.4 14.4 14.9 15.9 13.6 14.2 14.5 15.3 15.6 15.6 16.1 Tier 1 leverage capital Common equity tier 1 Total risk-based capital 2021 2022 2023 2024 2025 1Q 2026 2Q 2026 3Q 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 14.9% 13.9% 13.6% 12.6% Tier 1 risk based capital 14.9% 13.9% 13.6% 12.6% Total risk based capital 16.1% 15.1% 16.7% 15.7% Tier 1 leverage capital 12.3% 11.5% 11.3% 10.5% (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 September 30, 2026

 

Investment Perspective | 25

 

| 26

 

2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 Total shareholders' equity $ 408,818 $ 423,044 $ 435,094 $ 444,410 $ 453,457 $ 453,098 Less: intangible assets 84,482 84,214 83,957 83,723 83,513 83,304 Non-GAAP tangible shareholders' equity $ 324,336 $ 338,830 $ 351,137 $ 360,687 $ 369,944 $ 369,794 Reported net income $ 11,330 $ 12,357 $ 11,411 $ 11,360 $ 11,615 $ 10,097 Add: amortization CDI, net tax 213 212 203 185 166 165 Non-GAAP tangible net income $ 11,543 $ 12,569 $ 11,614 $ 11,545 $ 11,781 $ 10,262 Return on average equity 11.2 % 11.8 % 10.5 % 10.4 % 10.3 % 8.7 % Add: intangible assets 3.3 3.2 2.8 2.7 2.6 2.2 Non-GAAP return on tangible common equity 14.5 % 15.0 % 13.3 % 13.1 % 12.9 % 10.9 % Book value per share $ 52.36 $ 54.05 $ 55.56 $ 56.73 $ 57.63 $ 57.55 Less: intangible assets 10.82 10.76 10.72 10.69 10.61 10.58 Non-GAAP tangible book value per share $ 41.54 $ 43.29 $ 44.84 $ 46.04 $ 47.02 $ 46.97 Reported net income $ 11,330 $ 12,357 $ 11,411 $ 11,360 $ 11,615 $ 10,097 Less: PPP loan income 2 1 1 — — — Less: gain (loss) on sale of assets (2) — (4) — (1) — Less: loan discount accretion 356 347 242 189 201 187 Add: provision (reversal) for loan losses 489 (229) 480 922 762 1,019 Add: (reversal) for credit losses on unfunded commitments (970) — (105) — — — Add: CDI amortization 269 268 257 234 210 209 Total non-core items, net of taxes (449) (244) 310 764 610 822 Core pre-provision net income (1) $ 10,881 $ 12,113 $ 11,721 $ 12,124 $ 12,225 $ 10,919 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 Sep-26 YTD Reported noninterest income $ 14,305 $ 16,271 $ 13,885 $ 14,636 $ 14,625 $ 15,461 $ 11,858 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 $ 11,859 Reported noninterest expense $ 62,981 $ 66,982 $ 81,909 $ 82,841 $ 87,289 $ 89,563 $ 73,817 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 $ 73,817 Reported net income $ 24,765 $ 48,621 $ 34,072 $ 40,240 $ 36,427 $ 46,062 $ 33,072 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 1,301 577 Add: provision (reversal) for loan losses 12,728 (10,161) 7,489 2,341 2,415 1,134 2,703 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 1,087 653 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) 2,196 Core pre-provision net income (1) $ 28,001 $ 28,799 $ 39,619 $ 41,309 $ 37,880 $ 45,920 $ 35,268 (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) | 28 (dollars in thousands)

 

2020 2021 2022 2023 2024 2025 Sep-26 YTD Total shareholders' equity $ 321,842 $ 351,903 $ 329,954 $ 367,444 $ 396,088 $ 435,094 $ 453,098 Less: intangible assets 63,112 61,949 87,973 86,372 85,044 83,957 83,304 Non-GAAP tangible shareholders' equity $ 258,730 $ 289,954 $ 241,981 $ 281,072 $ 311,044 $ 351,137 $ 369,794 Reported net income $ 24,765 $ 48,621 $ 34,072 $ 40,240 $ 36,427 $ 46,062 $ 33,072 Add: amortization CDI, net tax 1,074 919 1,266 1,264 1,049 859 516 Non-GAAP tangible income $ 25,839 $ 49,540 $ 35,338 $ 41,504 $ 37,476 $ 46,921 $ 33,588 Return on average equity 7.8 % 14.4 % 10.2 % 11.6 % 9.6 % 11.1 % 9.8 % Add: intangible assets 2.4 3.6 3.7 4.4 3.1 3.2 2.4 Non-GAAP return on tangible common equity 10.2 % 18.0 % 13.9 % 16.0 % 12.7 % 14.3 % 12.2 % Average assets $ 2,491,612 $ 2,765,878 $ 3,178,862 $ 3,262,820 $ 3,386,721 $ 3,473,442 $ 3,562,136 Less: average PPP loans 169,665 169,149 15,691 5,997 4,436 509 46 Average assets excluding PPP loans $ 2,321,947 $ 2,596,729 $ 3,163,171 $ 3,256,823 $ 3,382,285 $ 3,472,933 $ 3,562,090 Appendix (non-GAAP reconciliation) | 29 (dollars in thousands)

 

2020 2021 1Q2022 2022 2023 2024 2025 1Q2026 2Q2026 3Q2026 Total shareholders' equity $ 321,842 $ 351,903 $ 337,504 $ 329,954 $ 367,444 $ 396,088 $ 435,094 $ 444,410 $ 453,457 $ 453,098 Less: intangible assets 63,112 61,949 87,569 87,973 86,372 85,044 83,957 83,723 83,513 83,304 Non-GAAP tangible shareholders' equity $ 258,730 $ 289,954 $ 249,935 $ 241,981 $ 281,072 $ 311,044 $ 351,137 $ 360,687 $ 369,944 $ 369,794 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 7,873,701 Book value per share $ 36.82 $ 41.27 $ 39.93 $ 39.82 $ 45.04 $ 48.95 $ 55.56 $ 56.73 $ 57.63 $ 57.55 Less: intangible assets 7.22 7.27 10.36 10.62 10.59 10.51 10.72 10.69 10.61 10.58 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 $ 46.97 Appendix (non-GAAP reconciliation) | 30 (dollars in thousands except for per share data)

 



homebancorpb.jpg

For further information contact:
John W. Bordelon, Chairman of the Board and CEO
(337) 237-1960

Release Date:
October 19, 2026
For Immediate Release

HOME BANCORP, INC. ANNOUNCES CEO RETIREMENT AND LEADERSHIP TRANSITION

John W. Bordelon to retire as Chief Executive Officer effective January 8, 2027;
Darren E. Guidry to assume Chief Executive Officer role

Lafayette, Louisiana – Home Bancorp, Inc. (Nasdaq: “HBCP”) (the “Company”), the parent company for Home Bank, N.A. (the “Bank”) (www.home24bank.com), today announced that Mr. John W. Bordelon will retire as Chief Executive Officer (“CEO”) of the Company and the Bank, effective January 8, 2027. Mr. Bordelon’s retirement marks the culmination of more than 45 years of distinguished service and leadership to the Company and the Bank. Following his retirement as CEO, he will continue to serve as Chairman and as a member of the boards of directors of the Company and the Bank, supporting continuity during the leadership transition and thereafter.

“On behalf of the Board, we extend our sincere appreciation to John for his extraordinary leadership, dedication, and lasting contributions over more than four decades of service,” said Chris Rader, Chairman of Nominating and Governance Committee. “John has helped guide the Company and the Bank through significant growth and change, and we are grateful that he will continue to provide leadership and continuity as Chairman. We are also confident that Darren’s experience, institutional knowledge, and strategic focus position him well to lead the organization into its next chapter.”

Effective upon Mr. Bordelon’s retirement, Mr. Darren E. Guidry will assume the role as CEO and continue as the President of the Company and the Bank. Mr. Guidry has served as President for the Company and the Bank since July 1, 2026. Since joining the organization in 1993, he has contributed to a balanced approach to growth and risk management, advanced the Company’s strategic priorities, and reinforced its commitment to long-term shareholder value.

“I am deeply honored to be appointed President and Chief Executive Officer of the Company and the Bank,” said Mr. Guidry. “This is an exciting time for our organization, and I look forward to working with our Board, leadership team, and associates to build on our strong foundation, advance our strategic priorities, and continue delivering long-term value for our customers, communities, employees, and shareholders. I am grateful to John for his outstanding leadership and for the lasting impact he has made on our organization.”

“Serving as Chief Executive Officer and formerly President has been one of the great privileges of my career,” said Mr. Bordelon. “I am proud of all that our team has accomplished and confident that, under Darren’s leadership, the Company and the Bank are well positioned for continued success. I look forward to supporting a smooth transition and watching the organization continue to thrive in the years ahead.”


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About Home Bancorp

Home Bancorp is a Louisiana corporation that became the holding company for Home Bank N.A. in October 2008 upon Home Bank’s mutual to stock conversion. Home Bank is a federally chartered, community-oriented bank which was originally organized in 1908 and is headquartered in Lafayette, Louisiana. Home Bank, N.A., founded in 1908 as Home Building & Loan, is the oldest financial institution founded in Lafayette Parish and is headquartered in Lafayette, Louisiana. We have expanded to serve markets in South Louisiana, Natchez, Mississippi, and the Greater Houston area.

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