HOME BANCORP, INC. ANNOUNCES 2026 SECOND QUARTER RESULTS AND INCREASES QUARTERLY DIVIDEND BY 3%

HOME BANCORP, INC. ANNOUNCES 2026 SECOND QUARTER RESULTS AND INCREASES QUARTERLY DIVIDEND BY 3% 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

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.

(dollars in thousands)

6/30/2026

3/31/2026

Increase (Decrease)

Real estate loans:

One- to four-family first mortgage

$ 475,602

$ 476,079

$ (477)

— %

Home equity loans and lines

90,529

91,550

(1,021)

(1)

Commercial real estate

1,215,828

1,182,501

33,327

Construction and land

323,541

340,057

(16,516)

(5)

Multi-family residential

197,624

179,982

17,642

Total real estate loans

2,303,124

2,270,169

32,955

Other loans:

Commercial and industrial

446,352

428,075

18,277

Consumer

29,414

29,902

(488)

(2)

Total other loans

475,766

457,977

17,789

Total loans

$ 2,778,890

$ 2,728,146

$ 50,744

2 %

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.

June 30, 2026

(dollars in thousands)

Pass

Special

Mention

Substandard

Total

One- to four-family first mortgage

$ 468,132

$ —

$ 7,470

$ 475,602

Home equity loans and lines

89,820

—

709

90,529

Commercial real estate

1,162,045

19,973

33,810

1,215,828

Construction and land

314,811

1,826

6,904

323,541

Multi-family residential

194,864

1,166

1,594

197,624

Commercial and industrial

424,029

3,946

18,377

446,352

Consumer

29,389

—

29,414

Total

$ 2,683,090

$ 26,911

$ 68,889

$ 2,778,890

March 31, 2026

(dollars in thousands)

Pass

Special

Mention

Substandard

Total

One- to four-family first mortgage

$ 466,688

$ —

$ 9,391

$ 476,079

Home equity loans and lines

90,201

807

542

91,550

Commercial real estate

1,139,345

9,478

33,678

1,182,501

Construction and land

326,382

863

12,812

340,057

Multi-family residential

178,388

—

1,594

179,982

Commercial and industrial

424,633

—

3,442

428,075

Consumer

29,861

—

29,902

Total

$ 2,655,498

$ 11,148

$ 61,500

$ 2,728,146

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.

(dollars in thousands)

Amortized

Cost

Fair Value

Available for sale:

U.S. agency mortgage-backed

$ 317,940

$ 299,440

Collateralized mortgage obligations

47,421

46,401

Municipal bonds

52,806

47,789

U.S. government agency

10,464

9,952

Corporate bonds

5,000

Total available for sale

$ 433,631

$ 408,582

Held to maturity:

Municipal bonds

$ 530

$ 531

Total held to maturity

$ 530

$ 531

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.

(dollars in thousands)

6/30/2026

3/31/2026

Increase (Decrease)

Demand deposits

$ 835,118

$ 830,030

$ 5,088

1 %

Savings

197,412

202,058

(4,646)

(2)

Money market

571,474

543,120

28,354

NOW

727,839

710,071

17,768

Certificates of deposit

737,040

741,502

(4,462)

(1)

Total deposits

$ 3,068,883

$ 3,026,781

$ 42,102

1 %

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.

Quarter Ended

(dollars in thousands, except per share data)

6/30/2026

3/31/2026

12/31/2025

9/30/2025

6/30/2025

Reported net income

$ 11,615

$ 11,360

$ 11,411

$ 12,357

$ 11,330

Add: Core deposit intangible amortization, net tax

166

185

203

212

213

Non-GAAP tangible income

$ 11,781

$ 11,545

$ 11,614

$ 12,569

$ 11,543

Total assets

$ 3,603,193

$ 3,554,643

$ 3,492,626

$ 3,494,074

$ 3,491,455

Less: Intangible assets

83,513

83,723

83,957

84,214

84,482

Non-GAAP tangible assets

$ 3,519,680

$ 3,470,920

$ 3,408,669

$ 3,409,860

$ 3,406,973

Total shareholders' equity

$ 453,457

$ 444,410

$ 435,094

$ 423,044

$ 408,818

Less: Intangible assets

83,513

83,723

83,957

84,214

84,482

Non-GAAP tangible shareholders' equity

$ 369,944

$ 360,687

$ 351,137

$ 338,830

$ 324,336

Return on average equity

10.34 %

10.41 %

10.52 %

11.78 %

11.24 %

Add: Average intangible assets

2.54

2.64

2.79

3.24

Non-GAAP return on average tangible common equity

12.88 %

13.05 %

13.31 %

15.02 %

14.48 %

Common equity ratio

12.58 %

12.50 %

12.46 %

12.11 %

11.71 %

Less: Intangible assets

2.07

2.11

2.16

2.17

2.19

Non-GAAP tangible common equity ratio

10.51 %

10.39 %

10.30 %

9.94 %

9.52 %

Book value per share

$ 57.63

$ 56.73

$ 55.56

$ 54.05

$ 52.36

Less: Intangible assets

10.61

10.69

10.72

10.76

10.82

Non-GAAP tangible book value per share

$ 47.02

$ 46.04

$ 44.84

$ 43.29

$ 41.54

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.

HOME BANCORP, INC. AND SUBSIDIARY

CONDENSED STATEMENTS OF FINANCIAL CONDITION

(Unaudited)

(dollars in thousands)

6/30/2026

3/31/2026

12/31/2025

9/30/2025

6/30/2025

Assets

Cash and cash equivalents

$ 188,224

$ 223,484

$ 141,605

$ 189,324

$ 112,595

Investment securities available for sale, at fair value

408,582

385,729

391,448

383,340

393,462

Investment securities held to maturity

530

1,065

Mortgage loans held for sale

1,566

1,558

1,932

1,305

Loans, net of unearned income

2,778,890

2,728,146

2,744,023

2,705,895

2,764,538

Allowance for loan losses

(33,994)

(33,680)

(33,142)

(32,827)

(33,432)

Total loans, net of allowance for loan losses

2,744,896

2,694,466

2,710,881

2,673,068

2,731,106

Office properties and equipment, net

51,538

50,502

48,995

45,223

45,216

Cash surrender value of bank-owned life insurance

50,131

49,842

49,557

49,269

48,981

Goodwill and core deposit intangibles

83,513

83,723

83,957

84,214

84,482

Accrued interest receivable and other assets

74,213

64,809

63,560

66,639

73,243

Total Assets

$ 3,603,193

$ 3,554,643

$ 3,492,626

$ 3,494,074

$ 3,491,455

Liabilities

Deposits

$ 3,068,883

$ 3,026,781

$ 2,972,806

$ 2,975,503

$ 2,908,234

Other Borrowings

—

5,539

Subordinated debt, net of issuance cost

54,784

54,729

54,675

54,621

54,567

Federal Home Loan Bank advances

—

3,024

3,059

88,196

Accrued interest payable and other liabilities

26,069

28,723

27,027

32,308

26,101

Total Liabilities

3,149,736

3,110,233

3,057,532

3,071,030

3,082,637

Shareholders' Equity

Common stock

Additional paid-in capital

171,234

169,995

168,963

168,016

166,576

Common stock acquired by benefit plans

(803)

(893)

(982)

(1,071)

(1,160)

Retained earnings

302,171

293,554

284,834

275,912

265,817

Accumulated other comprehensive loss

(19,224)

(18,324)

(17,799)

(19,891)

(22,493)

Total Shareholders' Equity

453,457

444,410

435,094

423,044

408,818

Total Liabilities and Shareholders' Equity

$ 3,603,193

$ 3,554,643

$ 3,492,626

$ 3,494,074

$ 3,491,455

HOME BANCORP, INC. AND SUBSIDIARY

CONDENSED STATEMENTS OF INCOME

(Unaudited)

Three Months Ended

Six Months Ended

(dollars in thousands, except per share data)

6/30/2026

3/31/2026

6/30/2025

6/30/2026

6/30/2025

Interest Income

Loans, including fees

$ 45,001

$ 43,717

$ 45,287

$ 88,718

$ 89,319

Investment securities

2,804

2,560

2,596

5,364

5,260

Other investments and deposits

1,414

1,463

746

2,877

1,251

Total interest income

49,219

47,740

48,629

96,959

95,830

Interest Expense

Deposits

12,569

12,406

13,142

24,975

25,764

Other borrowings

—

106

Subordinated debt expense

845

844

1,690

1,689

Federal Home Loan Bank advances

—

1,239

3,171

Total interest expense

13,414

13,258

15,278

26,672

30,730

Net interest income

35,805

34,482

33,351

70,287

65,100

Provision for loan losses

762

922

489

1,684

883

Net interest income after provision for loan losses

35,043

33,560

32,862

68,603

64,217

Noninterest Income

Service fees and charges

1,407

1,437

1,345

2,844

2,654

Bank card fees

1,718

1,594

1,750

3,312

3,328

Gain on sale of loans, net

229

230

114

459

491

Income from bank-owned life insurance

289

285

282

574

560

(Loss) gain on sale of assets, net

(1)

—

(2)

(1)

Other income

277

192

227

469

685

Total noninterest income

3,919

3,738

3,716

7,657

7,725

Noninterest Expense

Compensation and benefits

15,036

13,714

13,322

28,750

25,974

Occupancy

2,614

2,429

2,513

5,043

5,074

Marketing and advertising

522

494

461

1,016

890

Data processing and communication

2,655

2,629

2,628

5,284

5,270

Professional fees

417

401

396

818

801

Forms, printing and supplies

179

219

203

398

403

Franchise and shares tax

340

483

680

959

Regulatory fees

460

462

502

922

1,018

Foreclosed assets, net

385

419

439

646

Amortization of acquisition intangible

210

234

269

444

562

Reversal for credit losses on unfunded commitments

—

(970)

—

(970)

Other expenses

1,736

1,964

2,181

3,700

3,359

Total noninterest expense

24,554

22,940

22,407

47,494

43,986

Income before income tax expense

14,408

14,358

14,171

28,766

27,956

Income tax expense

2,793

2,998

2,841

5,791

5,662

Net income

$ 11,615

$ 11,360

$ 11,330

$ 22,975

$ 22,294

Earnings per share - basic

$ 1.49

$ 1.47

$ 2.96

$ 2.85

Earnings per share - diluted

$ 1.48

$ 1.45

$ 2.93

$ 2.82

Cash dividends declared per common share

$ 0.31

$ 0.27

$ 0.62

$ 0.54

HOME BANCORP, INC. AND SUBSIDIARY

SUMMARY FINANCIAL INFORMATION

(Unaudited)

Three Months Ended

Six Months Ended

(dollars in thousands, except per share data)

6/30/2026

3/31/2026

6/30/2025

6/30/2026

6/30/2025

EARNINGS DATA

Total interest income

$ 49,219

$ 47,740

$ 48,629

$ 96,959

$ 95,830

Total interest expense

13,414

13,258

15,278

26,672

30,730

Net interest income

35,805

34,482

33,351

70,287

65,100

Provision for loan losses

762

922

489

1,684

883

Total noninterest income

3,919

3,738

3,716

7,657

7,725

Total noninterest expense

24,554

22,940

22,407

47,494

43,986

Income tax expense

2,793

2,998

2,841

5,791

5,662

Net income

$ 11,615

$ 11,360

$ 11,330

$ 22,975

$ 22,294

AVERAGE BALANCE SHEET DATA

Total assets

$ 3,564,832

$ 3,532,181

$ 3,474,762

$ 3,548,597

$ 3,462,187

Total interest-earning assets

3,341,316

3,310,674

3,261,733

3,326,080

3,251,235

Total loans

2,762,370

2,734,651

2,764,065

2,748,587

2,754,691

Total interest-bearing deposits

2,208,807

2,196,539

2,087,781

2,202,707

2,063,367

Total interest-bearing liabilities

2,263,561

2,253,149

2,261,916

2,258,384

2,270,592

Total deposits

3,029,628

3,002,477

2,863,683

3,016,127

2,818,241

Total shareholders' equity

450,365

442,610

404,367

446,509

403,938

PER SHARE DATA

Earnings per share - basic

$ 1.49

$ 1.47

$ 2.96

$ 2.85

Earnings per share - diluted

1.48

1.45

2.93

2.82

Book value at period end

57.63

56.73

52.36

57.63

52.36

Tangible book value at period end

47.02

46.04

41.54

47.02

41.54

Shares outstanding at period end

7,868,139

7,833,804

7,808,421

7,868,139

7,808,421

Weighted average shares outstanding

Basic

7,768,468

7,740,765

7,707,423

7,754,693

7,827,781

Diluted

7,853,358

7,826,764

7,781,021

7,840,135

7,903,239

SELECTED RATIOS (1)

Return on average assets

1.31 %

1.30 %

1.31 %

1.30 %

Return on average equity

10.34

10.41

11.24

10.38

11.13

Common equity ratio

12.58

12.50

11.71

12.58

11.71

Efficiency ratio (2)

61.81

60.02

60.45

60.93

60.40

Average equity to average assets

12.63

12.53

11.64

12.58

11.67

Tier 1 leverage capital ratio (3)

12.11

11.47

12.11

11.47

Total risk-based capital ratio (3)

15.61

15.65

14.66

15.61

14.66

Net interest margin (4)

4.24

4.16

4.04

4.20

3.98

SELECTED NON-GAAP RATIOS (1)

Tangible common equity ratio (5)

10.51 %

10.39 %

9.52 %

10.51 %

9.52 %

Return on average tangible common equity (6)

12.88

13.05

14.48

12.97

14.37

(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.

HOME BANCORP, INC. AND SUBSIDIARY

Consolidated Net Interest Margin

(Unaudited)

Three Months Ended

6/30/2026

3/31/2026

6/30/2025

(dollars in thousands)

Average

Balance

Interest

Average

Yield/ Rate

Average

Balance

Interest

Average

Yield/ Rate

Average

Balance

Interest

Average

Yield/ Rate

Interest-earning assets:

Loans receivable

$ 2,762,370

$ 45,001

6.46 %

$ 2,734,651

$ 43,717

6.41 %

$ 2,764,065

$ 45,287

6.50 %

Investment securities (TE) (1)

420,771

2,804

2.68

407,308

2,560

2.53

426,601

2,596

2.45

Other interest-earning assets

158,175

1,414

3.59

168,715

1,463

3.52

71,067

746

4.21

Total interest-earning assets

$ 3,341,316

$ 49,219

5.85 %

$ 3,310,674

$ 47,740

5.78 %

$ 3,261,733

$ 48,629

5.92 %

Interest-bearing liabilities:

Deposits:

Savings, checking, and money market

$ 1,471,806

$ 6,297

1.72 %

$ 1,431,639

$ 5,809

1.65 %

$ 1,296,541

$ 5,531

1.71 %

Certificates of deposit

737,001

6,272

3.41

764,900

6,597

3.50

791,240

7,611

3.86

Total interest-bearing deposits

2,208,807

12,569

2.28

2,196,539

12,406

2.29

2,087,781

13,142

2.52

Other borrowings

—

5,572

3.84

Subordinated debt

54,754

845

6.17

54,702

845

6.18

54,540

844

6.20

FHLB advances

—

1,908

1.49

114,023

1,239

4.30

Total interest-bearing liabilities

$ 2,263,561

$ 13,414

2.38 %

$ 2,253,149

$ 13,258

2.38 %

$ 2,261,916

$ 15,278

2.71 %

Noninterest-bearing deposits

$ 820,821

$ 805,938

$ 775,902

Net interest spread (TE) (1)

3.47 %

3.40 %

3.21 %

Net interest margin (TE) (1)

4.24 %

4.16 %

4.04 %

(1)

Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%

HOME BANCORP, INC. AND SUBSIDIARY

Consolidated Net Interest Margin

(Unaudited)

Six Months Ended

6/30/2026

6/30/2025

(dollars in thousands)

Average

Balance

Interest

Average

Yield/ Rate

Average

Balance

Interest

Average

Yield/ Rate

Interest-earning assets:

Loans receivable

$ 2,748,587

$ 88,718

6.43 %

$ 2,754,691

$ 89,319

6.46 %

Investment securities (TE) (1)

414,077

5,364

2.61

433,043

5,260

2.45

Other interest-earning assets

163,416

2,877

3.55

63,501

1,251

3.97

Total interest-earning assets

$ 3,326,080

$ 96,959

5.82 %

$ 3,251,235

$ 95,830

5.88 %

Interest-bearing liabilities:

Deposits:

Savings, checking, and money market

$ 1,451,834

$ 12,105

1.68 %

$ 1,301,544

$ 10,932

1.69 %

Certificates of deposit

750,873

12,870

3.46

761,823

14,832

3.93

Total interest-bearing deposits

2,202,707

24,975

2.29

2,063,367

25,764

2.52

Other borrowings

—

5,556

106

3.86

Subordinated debt

54,728

1,690

6.17

54,512

1,689

6.20

FHLB advances

949

1.50

147,157

3,171

4.29

Total interest-bearing liabilities

$ 2,258,384

$ 26,672

2.38 %

$ 2,270,592

$ 30,730

2.72 %

Noninterest-bearing deposits

$ 813,420

$ 754,874

Net interest spread (TE) (1)

3.44 %

3.16 %

Net interest margin (TE) (1)

4.20 %

3.98 %

(1)

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

HOME BANCORP, INC. AND SUBSIDIARY

SUMMARY CREDIT QUALITY INFORMATION

(Unaudited)

Three Months Ended

6/30/2026

3/31/2026

12/31/2025

9/30/2025

6/30/2025

CREDIT QUALITY (1)

Nonaccrual loans:

One- to four-family first mortgage

$ 6,423

$ 8,337

$ 6,531

$ 6,402

$ 6,272

Home equity loans and lines

709

542

531

1,008

1,033

Commercial real estate

10,092

10,837

9,011

10,016

7,669

Construction and land

5,277

12,812

15,367

9,847

6,103

Multi-family residential

1,281

973

916

Commercial and industrial

2,585

1,945

1,344

1,161

1,312

Consumer

Total nonaccrual loans

$ 26,392

$ 35,795

$ 34,111

$ 29,467

$ 23,340

Accruing loans 90 days or more past due

Total nonperforming loans

26,424

35,809

34,176

29,522

23,352

Foreclosed assets and ORE

12,786

4,093

1,929

1,384

2,077

Total nonperforming assets

$ 39,210

$ 39,902

$ 36,105

$ 30,906

$ 25,429

Nonperforming assets to total assets

1.09 %

1.12 %

1.03 %

0.88 %

0.73 %

Nonperforming loans to total assets

0.73

1.01

0.98

0.84

0.67

Nonperforming loans to total loans

0.95

1.31

1.25

1.09

0.84

ALLOWANCE FOR CREDIT LOSSES

Allowance for loan losses:

Beginning balance

$ 33,680

$ 33,142

$ 32,827

$ 33,432

$ 33,278

Provision (reversal) for loan losses

762

922

480

(229)

489

Charge-offs

(564)

(413)

(189)

(488)

(460)

Recoveries

116

112

125

Net charge-offs

(448)

(384)

(165)

(376)

(335)

Ending balance

$ 33,994

$ 33,680

$ 33,142

$ 32,827

$ 33,432

Reserve for unfunded lending commitments (2)

Beginning balance

$ 1,625

$ 1,730

$ 2,700

Reversal for losses on unfunded lending commitments

—

(105)

—

(970)

Ending balance

$ 1,625

$ 1,730

Total allowance for credit losses

35,619

35,305

34,767

34,557

35,162

Total loans

$ 2,778,890

$ 2,728,146

$ 2,744,023

$ 2,705,895

$ 2,764,538

Total unfunded commitments

520,729

533,398

509,331

509,709

492,306

Allowance for loan losses to nonperforming assets

86.70 %

84.41 %

91.79 %

106.22 %

131.47 %

Allowance for loan losses to nonperforming loans

128.65

94.05

96.97

111.20

143.17

Allowance for loan losses to total loans

1.22

1.23

1.21

Allowance for credit losses to total loans

1.28

1.29

1.27

1.28

1.27

Year-to-date loan charge-offs

$ (977)

$ (413)

$ (1,363)

$ (1,174)

$ (686)

Year-to-date loan recoveries

145

455

431

319

Year-to-date net loan charge-offs

$ (832)

$ (384)

$ (908)

$ (743)

$ (367)

Annualized YTD net loan charge-offs to average loans

(0.06) %

(0.03) %

(0.04) %

(0.03) %

(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.

SOURCE Home Bancorp, Inc.