Home Bancorp (HBCP) investor relations material

Executive summary

• Q3 net income was $10.1 million, or $1.28 diluted EPS, down from $11.6 million and $1.48 in Q2; net interest income was $35.915 million and core pre-provision net income was $10.919 million.

• Total assets were $3.60 billion, with $2.775 billion in loans and $3.054 billion in deposits at September 30, 2026.

Financial highlights

• Net interest income was $35.915 million, up $110,000 QoQ and $1.8 million, or 5%, YoY; provision for loan losses was $1.019 million and net charge-offs were $586,000.

• Noninterest income was $4.201 million, up 7% QoQ; noninterest expense was $26.3 million, up 7%, primarily due to foreclosed asset costs.

• Core pre-provision net income, excluding specified one-time and other items, was $10.919 million versus $12.225 million in Q2.

• Loans declined $4.0 million and deposits fell $15.4 million QoQ; deposits were up $78.0 million YoY, while core deposits declined $28.3 million to $2.3 billion.

Segment performance

• Loan mix: owner-occupied CRE 28%, C&I 17%, 1–4 family mortgages 17%, non-owner-occupied CRE 16%, construction and development 11%, multifamily 7%, home equity 3%, consumer 1%.

• Houston loans had 6% YTD annualized growth; weighted average loan rate was 6.40%. C&I loans totaled $462.7 million, with 47% line-of-credit utilization and $6.7 million in nonaccrual balances.