Home Bancorp (HBCP) investor relations material

Executive summary

• Net income for Q3 2025 was $12.4 million ($1.59 diluted EPS), up 9% sequentially and 30.9% year-over-year, marking record earnings and strong financial performance.

• Total assets reached $3.5 billion, with total loans at $2.7 billion and deposits at $3.0 billion as of September 30, 2025.

• Return on average assets was 1.41% and return on average equity was 11.78% for Q3 2025.

• Quarterly dividend increased by 7% to $0.31 per share, payable in November 2025.

• Maintained a conservative credit culture and well-capitalized position, supporting continued growth and shareholder returns.

Financial highlights

• Net interest income rose to $34.1 million in Q3 2025, up 2% from Q2 and 12.3% year-over-year; net interest margin expanded to 4.10%.

• Efficiency ratio improved to 59.5%, reflecting enhanced operational efficiency.

• Noninterest income was $3.7 million, up 1% sequentially; noninterest expense totaled $22.5 million, up 1%.

• Cost of deposits in Q3 was 1.88%.

• Dividend per share increased to $0.31, with $0.83 per share for the nine months.

Outlook and guidance

• Loan growth for 2025 is now expected at 1% to 2%, down from earlier 4% to 6% guidance, as customers delay borrowing.

• Management expects continued focus on asset quality, liquidity, and capital, with no material changes in risk factors since the last annual report.

• Noninterest income projected between $3.6 million and $3.8 million per quarter; noninterest expense expected between $22.5 million and $23 million per quarter for the next two quarters.

• NIM expected to remain flat or increase slightly, with opportunity to lower deposit rates as Fed cuts rates.

• Interest rate risk simulations indicate a 5.2% increase in projected net interest income with a +200 bps rate shift, and a 6.7% decrease with a -200 bps shift.