Home Bancorp (HBCP) Q2 2026 earnings summary

Executive summary

• Net income for Q2 2026 was $11.6 million ($1.48 diluted EPS), up 2.5% year-over-year, with continued profitability and asset growth; total assets reached $3.6 billion and a leadership transition saw Darren Guidry appointed as President.

• ROA was 1.31% and net interest margin expanded to 4.24%, with strong credit quality and disciplined risk management.

• Loans grew to $2.8 billion and deposits to $3.1 billion, with Houston leading loan growth and robust deposit momentum.

• Dividend increased by 3% to $0.32 per share, and share repurchases continued under the approved plan.

• Maintained strong capital ratios and a conservative credit culture, supporting disciplined growth and acquisition strategy.

Financial highlights

• Net interest income reached $35.8 million, the highest in company history, up 7.4% year-over-year and 4% from Q1 2026.

• Net interest margin improved to 4.24%, up 8 basis points from Q1 and 20 basis points year-over-year.

• Tangible book value per share increased to $47.02, up 13% year-over-year.

• Noninterest income for Q2 2026 was $3.9 million, up 5.5% year-over-year.

• Noninterest expense for Q2 2026 was $24.6 million, up 9.6% year-over-year, driven by compensation, foreclosed assets, and occupancy.

Outlook and guidance

• Management expects continued mid-single-digit loan growth and focus on asset quality, with noninterest income projected between $3.8 million and $4.1 million per quarter.

• Noninterest expense expected in the $24 million–$24.8 million range for the next several quarters.

• NIM expansion anticipated through Q4 2026, with moderation expected in Q1 2027.

• Well-capitalized position supports disciplined growth and acquisition opportunities.

• No material changes to risk factors or forward-looking statements since the last annual report.