HBCP

This article first appeared on GuruFocus. Net Income: $11.6 million or $1.48 per diluted share. Earnings Per Share (EPS): Increased 2% from the first quarter; up from $1.46 per share a year ago. Net Interest Margin (NIM): Expanded to 4.24% in the second quarter. Net Interest Income: Increased to $35.8 million, the highest in the company's history. Loan Growth: Increased by $50.7 million or approximately 7% annualized. Total Deposits: Grew by $42.1 million or 6% annualized. Nonperforming Loans: Declined from $35.8 million to $26.4 million. Allowance for Loan Losses: $34 million or 1.22% of total loans. Noninterest Income: Totaled $3.9 million, up $181,000 from the first quarter. Noninterest Expense: Totaled $24.6 million, an increase of $1.6 million from the first quarter. Tangible Book Value Per Share: Increased to $47.02, up more than 13% from a year ago. Quarterly Dividend: Declared at $0.32 per share, an increase of $0.01 from last quarter. Warning! GuruFocus has detected 7 Warning Sign with HBCP. Is HBCP fairly valued? Test your thesis with our free DCF calculator. Release Date: July 21, 2026 For the complete transcript of the earnings call, please refer to the full earnings call transcript. Home Bancorp Inc (NASDAQ:HBCP) reported a net income of $11.6 million for the second quarter, with earnings per share increasing by 2% from the first quarter. Net interest margin expanded to 4.24%, and net interest income reached a record high of $35.8 million, driven by higher yields on earning assets and stable funding costs. Loan growth was strong, with a $50.7 million increase in the second quarter, particularly in the Houston market, which grew at a 9% annualized rate. Total deposits grew by $42.1 million, maintaining a loan-to-deposit ratio within the target range of 90% to 92%. Tangible book value per share increased by more than 13% from a year ago, reflecting disciplined balance sheet management and strong core deposit franchise. Substandard loans increased due to a downgrade of a $12.4 million C&I credit, contributing to a rise in criticized loans. Noninterest expenses rose to $24.6 million, driven by increased compensation, benefits, and foreclosed asset expenses. The competitive environment in Texas is challenging, with some banks offering deposit rates as high as 4.25%, impacting Home Bancorp's ability to compete. The construction loan segment saw a decline, which was unexpected given Home Bancorp's historical strength in this area. There is uncertainty in predicting customer financing decisions, which could impact future loan growth projections. Q: When do you expect the benefit from fixed rate asset repricing to begin to moderate? A: David Kirkley, CFO: We expect a couple of basis points increase in Q3 and a little into Q4 as lower-yielding loans roll off. After Q4 and into Q1 of '27, we anticipate seeing some moderation. Q: How much of the loan growth improvement reflected stronger customer demand versus seasonality or lower payoff activity? A: John Bordelon, CEO: We saw fewer payoffs in the second quarter, which is seasonal. Our pipeline remains consistent, and we should generate loan production, though payoffs due to bad assets could impact growth. Q: Have your views on M&A opportunities changed over the past few months? A: John Bordelon, CEO: Our views haven't changed much. The M&A landscape is quieter than in 2025, possibly due to potential Fed rate increases. We remain ready to act with significant capital available for the right partner. Q: If M&A is not feasible, what are your thoughts on capital uses beyond M&A? A: David Kirkley, CFO: We've been selective with buybacks and increased our dividend slightly. We are keeping capital for M&A and considering options like calling our sub debt in 2027. Q: How do you view the competitive environment in your markets? A: John Bordelon, CEO: Competition is strong in both loan and deposit markets, especially in Texas. Some banks are offering high deposit rates, which presents challenges, but we remain competitive. Q: Should we expect the same mix of loan growth in the coming quarters? A: John Bordelon, CEO: Yes, construction lending is down, but we're seeing growth in other areas. We've focused on diversifying our loan portfolio and reducing nonowner-occupied CRE. Q: Could expenses decline as you work through problem assets? A: David Kirkley, CFO: As we resolve OREO expenses and normalize fraud activity, expenses should stabilize. We expect a more normalized expense rate once these issues are addressed. Q: Do you expect the loan-to-deposit ratio to stay within the 90% to 92% range? A: John Bordelon, CEO: Yes, maintaining CD levels is crucial for growth. We focus on core deposit growth while ensuring we don't lose CDs, which is key to our strategy. For the complete transcript of the earnings call, please refer to the full earnings call transcript.

Interested in Home Bancorp, Inc.? Here are five stocks we like better. Home Bancorp posted stronger Q2 results, with net income of $11.6 million, or $1.48 per share, and record quarterly net interest income of $35.8 million. Return on assets improved to 1.31% as the net interest margin expanded to 4.24%. Loan and deposit growth rebounded in the quarter, with loans up $50.7 million and total deposits up $42.1 million. Management said it still expects mid-single-digit loan growth in the second half of the year, led by the Houston market. Credit quality remains mixed but manageable: non-performing loans fell to 0.95% of total loans, though criticized loans increased. Management said charge-offs remain very low and expects more than $30 million of improvement in special assets by year-end. Home Bancorp (NASDAQ:HBCP) reported higher second-quarter earnings and record quarterly net interest income, while management said loan growth rebounded and the company remains focused on resolving problem credits. Chairman and CEO John Bordelon said the company earned net income of $11.6 million, or $1.48 per diluted share, for the second quarter of 2026. Earnings per share increased 2% from the first quarter and were up from $1.46 per share in the year-ago quarter. Return on assets increased to 1.31%. → Buyback Boom: These 3 Companies Are Betting Billions on Their Own Stocks Bordelon also announced that Darren Guidry has been named president of Home Bancorp. Guidry has served as chief risk officer since 2022, and previously held the roles of chief credit officer and chief lending officer. Bordelon said separating the CEO and president roles is intended to support the company’s “next phase of growth,” with Bordelon focused on corporate strategy, capital planning and shareholder relations, while Guidry leads day-to-day execution of strategic priorities. Net interest income totaled $35.8 million in the quarter, which Bordelon said was the highest quarterly net interest income in Home Bancorp’s 118-year history. Chief Financial Officer David Kirkley said net interest income rose $1.3 million from the first quarter and $2.5 million from a year earlier. → Cybersecurity Stocks Are Holding Up as the AI Trade Starts to Crack The net interest margin expanded 8 basis points from the first quarter to 4.24%. Kirkley said the increase was driven by loan yields rising 5 basis points to 6.46%, while the cost of interest-bearing liabilities remained flat at 2.38%. Bordelon said the margin expansion reflected higher yields on earning assets and stable funding costs. Home Bancorp’s cost of deposits was stable at 1.66% for the quarter. Bordelon called that “one of the lowest in our peer group” and said it reflected the strength of the company’s core deposit franchise. Kirkley said the average cost of interest-bearing deposits declined to 2.28% in the second quarter, helped by deposit mix improvement and certificates of deposit repricing at lower rates. However, he said the company does not expect “further material declines” in deposit costs. → Strait of Hormuz Tensions Spike Tanker Trade: These 2 Stocks Are Set to Benefit In response to a question from Raymond James’ Joe Yanchunis about the timing of fixed-rate asset repricing benefits, Kirkley said he expects “a couple basis points” of margin increase in the third quarter and “a little bit into Q4.” He said moderation is more likely after the fourth quarter and into the first quarter of 2027. Loans increased by $50.7 million in the second quarter, or about 7% annualized, rebounding from a slight contraction in the first quarter. Bordelon said the Houston market continued to lead growth, expanding at a 9% annualized rate year to date. He also said the Tomball branch in northwest Houston, opened in the first quarter, is gaining momentum. Bordelon said the company believes its pipeline can support continued mid-single-digit loan growth in the second half of the year, though he noted that predicting when customers will make financing decisions has become challenging. During the question-and-answer session, he clarified that the mid-single-digit growth outlook applies to the back half of the year. Total deposits grew by $42.1 million, or 6% annualized, during the quarter. Kirkley said total deposits increased to $3.1 billion, with core deposit growth of $46.6 million more than offsetting a modest decline in certificates of deposit. Non-interest-bearing demand deposits increased $5.1 million and represented 27% of total deposits. Bordelon said the loan-to-deposit ratio remained in the middle of the company’s 90% to 92% target range. In response to Hovde Group’s Feddie Strickland, Bordelon said maintaining certificates of deposit is important to supporting growth, noting that the company lost about $60 million of CDs after reducing rates in the first quarter and has not moved rates since then. Management said credit quality remains an area of focus. Kirkley said non-performing loans declined to $26.4 million, or 0.95% of total loans, from $35.8 million, or 1.31% of total loans, in the prior quarter. The decline was primarily due to the transfer of about $10 million of non-performing loans into other real estate owned, or OREO. Total non-performing assets were $39.2 million, or 1.09% of total assets, as foreclosed asset balances increased due to the foreclosure of multiple properties. Kirkley said the largest foreclosed property was $2.6 million. Total criticized loans rose to $95.8 million, or 3.45% of total loans, primarily due to six relationships migrating into special mention status and a $7.4 million increase in substandard loans. Substandard loans increased largely because of the downgrade of a $12.4 million commercial and industrial credit, partially offset by the transfer of almost $10 million from substandard to OREO and paydowns. Bordelon said the company does not see “specific industry-related stress,” but added that more individual customers are struggling in the current economy. He said net charge-offs remained “extremely low” at 6 basis points annualized and said the company expects conservative underwriting and active management to limit losses. Guidry provided additional detail in response to Brean Capital’s Christopher Marinac, saying the special assets group has a significant number of resolutions in place. He said management expects more than $30 million of improvement in special assets between now and year-end, including resolutions in special mention loans, substandard credits and non-performing assets through payoffs, upgrades and OREO sales. Non-interest income totaled $3.9 million in the second quarter, up $181,000 from the first quarter. Kirkley said management continues to expect quarterly non-interest income in the range of $3.8 million to $4.1 million. Non-interest expense totaled $24.6 million, up $1.6 million from the first quarter. Kirkley said the increase was primarily driven by $1.3 million of compensation and benefits expense and a $331,000 increase in foreclosed asset expense. Given elevated expenses related to foreclosed assets, management expects non-interest expense to remain in a range of $24 million to $24.8 million over the next several quarters. Tangible book value per share increased to $47.02, up from $46.04 in the first quarter and more than 13% from a year ago. Kirkley said capital ratios remained strong, with a Tier 1 leverage ratio of 12.1% and a total risk-based capital ratio of 15.6%. The company declared a quarterly cash dividend of $0.32 per share, an increase of $0.01 from the prior quarter. Asked by Piper Sandler’s Stephen Scouten about capital uses if merger-and-acquisition opportunities remain limited, Bordelon said the company still expects M&A to be the primary use of excess capital and is “looking for that right partner.” Kirkley said the company has been selective with share repurchases after the stock’s recent run, and also noted that subordinated debt with a 5.75% coupon becomes callable in 2027. On competitive conditions, Bordelon said Texas is more competitive than Louisiana for both loans and deposits. He said some banks in the Texas market have offered deposit rates close to 4%, and in the first quarter a few were at 4.25%, making competition for deposits more challenging. Guidry said the company is not planning major staffing changes following his appointment as president. He said Home Bancorp has a strong executive team and banking group, with little turnover, and is looking to add good bankers when available. Bordelon noted that the company recently added one relationship manager in the Baton Rouge market, which he described as its slowest-developing market. Home Bancorp, Inc is the bank holding company for The Home National Bank, a full-service financial institution headquartered in Lafayette, Louisiana. The company operates as a regional commercial bank serving individuals, small businesses and municipalities across Louisiana and East Texas. Through its network of branches and digital banking platforms, Home Bancorp offers a range of deposit and lending solutions designed to meet the needs of its local markets. The company's core offerings include retail deposit products such as checking, savings and money market accounts, as well as a variety of commercial and consumer lending services. This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected]. The article "Home Bancorp Q2 Earnings Call Highlights" was originally published by MarketBeat. View MarketBeat's top stocks for July 2026.

Our analysts just identified a stock with the potential to be the next Nvidia. Tell us how you invest and we'll show you why it's our #1 pick. Tap here. Separated the CEO and President roles to create a leadership structure capable of sustaining the next phase of corporate growth while maintaining day-to-day execution focus. Achieved the highest quarterly net interest income in the bank's 118-year history, driven by higher earning asset yields and a stable cost of deposits. Attributed loan growth recovery to strong performance in the Houston market and the momentum of the new Tomball branch, following a slight contraction in the first quarter. Maintained a competitive advantage through a core deposit franchise with a cost of deposits at 1.66%, which management identifies as one of the lowest in their peer group. Shifted loan portfolio strategy over the last four quarters to reduce non-owner occupied CRE in favor of owner-occupied assets to diversify risk. Noted that while there is no specific industry-related stress, individual customer struggles in the current economy have led to an increase in substandard loans. Anticipate mid-single-digit loan growth in the second half of 2026, supported by a consistent pipeline despite challenges in predicting customer financing timelines. Expect approximately one-third of current classified assets to be rectified and removed from the balance sheet by year-end through refinancing, business sales, or OREO liquidations. Project continued net interest margin expansion through the end of 2026 as lower-yielding loans roll off and are replaced by originations currently yielding north of 6.6%. Forecast non-interest expenses to remain elevated between $24 million and $24.8 million over the next several quarters due to costs associated with working through foreclosed assets. Maintain a 'dry powder' capital strategy focused on M&A opportunities, with sub-debt callability in 2027 serving as an alternative capital deployment option. Substandard loans increased primarily due to a single $12.4 million C&I loan to a manufacturing company, though the borrower remains current and has a strong guarantor. Non-performing loans decreased by approximately $10 million, but this was largely a transfer to Other Real Estate Owned (OREO) following foreclosures. Experienced a $60 million decline in certificates of deposit earlier in the year after attempting to lower rates, leading to a strategy of holding CD rates steady to protect liquidity. Management flagged potential margin pressure if a rising rate environment causes an inverted yield curve, which could trigger increased deposit competition. One stock. Nvidia-level potential. 30M+ investors trust Moby to find it first. Get the pick. Tap here. Management expects a few more basis points of NIM increase in Q3 and Q4 2026 before moderation begins in early 2027. The benefit is driven by fixed-rate assets rolling off and new loans being added at yields significantly higher than the current portfolio average. Management expects over $30 million in total special asset improvements by year-end 2026. This includes approximately $22 million in special mention resolutions and $7 million in non-performing asset improvements through payoffs and sales. M&A remains the primary intended use for excess capital, though management noted the market has become 'much quieter' compared to 2025. Share buybacks have been deprioritized recently due to the stock's 'nice run' in price, making current levels less attractive for repurchases. Texas is identified as significantly more competitive, with some peers offering deposit rates as high as 4.25% to secure liquidity. Home Bancorp is focusing on maintaining its 90-92% loan-to-deposit ratio by selectively matching rates to prevent further CD outflows.

Home Bancorp (HBCP) came out with quarterly earnings of $1.48 per share, beating the Zacks Consensus Estimate of $1.46 per share. This compares to earnings of $1.45 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +1.37%. A quarter ago, it was expected that this financial holding company would post earnings of $1.39 per share when it actually produced earnings of $1.45, delivering a surprise of +4.32%. Over the last four quarters, the company has surpassed consensus EPS estimates four times. Home Bancorp, which belongs to the Zacks Banks - Southeast industry, posted revenues of $39.72 million for the quarter ended June 2026, surpassing the Zacks Consensus Estimate by 2.82%. This compares to year-ago revenues of $37.07 million. The company has topped consensus revenue estimates four times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. Home Bancorp shares have added about 19.9% since the beginning of the year versus the S&P 500's gain of 8.9%. While Home Bancorp has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for Home Bancorp was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here. It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $1.53 on $39.43 million in revenues for the coming quarter and $5.98 on $156.07 million in revenues for the current fiscal year. Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Banks - Southeast is currently in the top 36% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1. Another stock from the same industry, Trustmark (TRMK), has yet to report results for the quarter ended June 2026. The results are expected to be released on July 28. This holding company for Trustmark National Bank is expected to post quarterly earnings of $0.97 per share in its upcoming report, which represents a year-over-year change of +5.4%. The consensus EPS estimate for the quarter has remained unchanged over the last 30 days. Trustmark's revenues are expected to be $211 million, up 4.8% from the year-ago quarter. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Home Bancorp, Inc. (HBCP) : Free Stock Analysis Report Trustmark Corporation (TRMK) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

For the quarter ended June 2026, Home Bancorp (HBCP) reported revenue of $39.72 million, up 7.2% over the same period last year. EPS came in at $1.48, compared to $1.45 in the year-ago quarter. The reported revenue represents a surprise of +2.82% over the Zacks Consensus Estimate of $38.63 million. With the consensus EPS estimate being $1.46, the EPS surprise was +1.37%. While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health. As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately. Here is how Home Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts: Efficiency Ratio: 61.8% versus the three-analyst average estimate of 60.9%. Net Interest Margin: 4.2% versus the three-analyst average estimate of 4.2%. Annualized YTD net loan recoveries (charge-offs) to average loans: -0.1% versus the two-analyst average estimate of 0.1%. Total Average Interest-Earning Assets: $3.34 billion versus $3.33 billion estimated by two analysts on average. Total nonperforming assets: $39.21 million compared to the $39.47 million average estimate based on two analysts. Total nonperforming loans: $26.42 million compared to the $35.43 million average estimate based on two analysts. Net Interest Income: $35.81 million versus $34.7 million estimated by three analysts on average. Total Noninterest Income: $3.92 million versus the three-analyst average estimate of $3.95 million. Gain on sale of loans, net: $0.23 million compared to the $0.21 million average estimate based on two analysts. View all Key Company Metrics for Home Bancorp here>>> Shares of Home Bancorp have returned +4.6% over the past month versus the Zacks S&P 500 composite's +0.6% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Home Bancorp, Inc. (HBCP) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

LAFAYETTE, La., July 20, 2026 /PRNewswire/ -- 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. 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. 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. 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. 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. 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. Cash dividends declared per common share$ 0.31$ 0.31$ 0.27$ 0.62$ 0.54 View original content to download multimedia:https://www.prnewswire.com/news-releases/home-bancorp-inc-announces-2026-second-quarter-results-and-increases-quarterly-dividend-by-3-302829976.html