ホームバンコープの適時開示・決算・その他

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934


Date of Report (Date of earliest event reported)			July 21, 2025


Home Bancorp, Inc.
(Exact name of registrant as specified in its charter)


Louisiana	001-34190	71-1051785
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification No.)


503 Kaliste Saloom Road, Lafayette, Louisiana			70508
(Address of principal executive offices)			(Zip Code)


Registrant’s telephone number, including area code			(337) 237-1960


N/A
(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2 below):


☐			Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐			Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐			Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐			Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:


Title of each class	Trading symbol(s)	Name of each exchange on which registered
Common Stock	HBCP	Nasdaq Stock Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨


Item 2.02			Results of Operations and Financial Condition

On July 21, 2025, the Registrant announced its results of operations for the quarter ended June 30, 2025. A copy of the related press release (the "Press Release") is attached as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated by reference herein. The Press Release attached hereto is being furnished to the SEC and shall not be deemed "filed" for any purpose except as otherwise provided herein.


Item 7.01			Regulation FD Disclosure

On July 21, 2025, the Registrant made available the supplemental information attached as Exhibit 99.2 prepared for use with the press release.

The investor presentation attached hereto as Exhibit 99.2 and incorporated herein by reference is being furnished pursuant to this Item 7.01 and shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), or otherwise subject to the liabilities of that section, and it shall not be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or under the Exchange Act, whether made before or after the date hereof, except as expressly set forth by specific reference in such filing to this Current Report on Form 8-K.


Item 8.01			Other Events

On July 21, 2025, the Registrant announced that its Board of Directors declared a quarterly cash dividend on shares of its common stock of $0.29 per share. The cash dividend will be paid on August 15, 2025 to shareholders of record at the close of business on August 4, 2025.


Item 9.01			Financial Statements and Exhibits

(a)Not applicable.

(b)Not applicable.

(c)Not applicable.

(d)Exhibits

The following exhibit is filed herewith.


Exhibit Number						Description
99.1						Press Release - Results of Operations and Financial Condition, dated July 21, 2025
99.2						Home Bancorp, Inc. Investor Presentation - Q2 2025 Results
104						The cover page of Home Bancorp Inc.'s Form 8-K is formatted in Inline XBRL.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.


	HOME BANCORP, INC.


Date: July 21, 2025	By:	/s/ John W. Bordelon
		John W. Bordelon
		Chairman of the Board, President and Chief Executive Officer

EX-99.1 2 a2025q2earningsrelease.htm EX-99.1 Document

For further information contact:

John W. Bordelon, Chairman of the Board, President and CEO

(337) 237-1960


Release Date:			July 21, 2025
			For Immediate Release

HOME BANCORP, INC. ANNOUNCES 2025 SECOND QUARTER RESULTS

AND INCREASES QUARTERLY DIVIDEND BY 7%

Lafayette, Louisiana – 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 2025. For the quarter, the Company reported net income of $11.3 million, or $1.45 per diluted common share (“diluted EPS”), up $366,000 from $11.0 million, or $1.37 diluted EPS, for the first quarter of 2025.

“As we celebrate the Bank's 117th anniversary, I'm pleased with the strong results produced during the second quarter of 2025,” said John W. Bordelon, President and Chief Executive Officer of the Company and the Bank. “We saw growth in loans and deposits and net interest margin continued its upward trajectory as we were able to keep deposit and funding costs stable. We saw increases in nonperforming and criticized loans at the end of the quarter, but do not anticipate any losses. We have maintained a solid allowance for loan losses to total loans of 1.21%. Our Company remains well-positioned for the future with strong capital and liquidity combined with outstanding bankers.”

Second Quarter 2025 Highlights

Loans totaled $2.8 billion at June 30, 2025, up $17.3 million, or 0.6% (an increase of 3% on an annualized basis), from March 31, 2025.

•Deposits totaled $2.9 billion at June 30, 2025, up $81.0 million, or 2.9% (11% on an annualized basis), from March 31, 2025.

Net interest income in the second quarter of 2025 totaled $33.4 million, up $1.6 million, or 5%, from the prior quarter.

•The net interest margin ("NIM") was 4.04% in the second quarter of 2025 compared to 3.91% in the first quarter of 2025.

•Nonperforming assets totaled $25.4 million, or 0.73% of total assets, at June 30, 2025 compared to $21.5 million, or 0.62% of total assets, at March 31, 2025. This increase in nonperforming assets is primarily due to four loan relationships, which were moved to nonaccrual status in the second quarter of 2025.

•The Company recorded a $489,000 provision to the allowance for loan losses in the second quarter of 2025, compared to a $394,000 provision in the first quarter of 2025, primarily due to loan growth.

Loans

Loans totaled $2.8 billion at June 30, 2025, up $17.3 million, or 0.6%, from March 31, 2025. The following table summarizes the changes in the Company’s loan portfolio, net of unearned income, from March 31, 2025 through June 30, 2025.


(dollars in thousands)	6/30/2025		3/31/2025		Increase (Decrease)
Real estate loans:
One- to four-family first mortgage	$	504,145	$	504,356	$	(211)	—	%
Home equity loans and lines	81,178		77,417		3,761		5
Commercial real estate	1,218,168		1,193,364		24,804		2
Construction and land	324,574		346,987		(22,413)		(6)
Multi-family residential	183,809		183,792		17		—
Total real estate loans	2,311,874		2,305,916		5,958		—
Other loans:
Commercial and industrial	421,997		411,363		10,634		3
Consumer	30,667		29,998		669		2
Total other loans	452,664		441,361		11,303		3
Total loans	$	2,764,538	$	2,747,277	$	17,261	1	%

The average loan yield was 6.50% for the second quarter of 2025, up 7 basis points from the first quarter of 2025. Yields on loans were impacted by higher rates on new loans and loans paying off at lower rates. We experienced growth in commercial real estate loans, which was partially offset by declines in construction and land loans for the current quarter, primarily in our Houston and New Orleans markets, and in commercial and industrial loans across our Acadiana, Baton Rouge, and Houston markets.

Credit Quality and Allowance for Credit Losses

Nonperforming assets (“NPAs”) totaled $25.4 million, or 0.73% of total assets, at June 30, 2025, up $4.0 million, or 18%, from $21.5 million, or 0.62% of total assets, at March 31, 2025. The increase in NPAs during the second quarter of 2025 was primarily due to four loan relationships totaling $6.2 million, which were put on nonaccrual during the quarter, offset by payoffs and paydowns. During the second quarter of 2025, the Company recorded net loan charge-offs of $335,000, compared to net loan charge-offs of $32,000 during the first quarter of 2025.

The Company provisioned $489,000 to the allowance for loan losses in the second quarter of 2025. At June 30, 2025, the allowance for loan losses totaled $33.4 million, or 1.21% of total loans, compared to $33.3 million, or 1.21% of total loans, at March 31, 2025. 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, 2025 and March 31, 2025.


	June 30, 2025
(dollars in thousands)		Pass		Special Mention		Substandard		Total
One- to four-family first mortgage		$	497,404	$	—	$	6,741	$	504,145
Home equity loans and lines		80,145		—		1,033		81,178
Commercial real estate		1,185,738		1,063		31,367		1,218,168
Construction and land		317,593		749		6,232		324,574
Multi-family residential		182,572		—		1,237		183,809
Commercial and industrial		418,831		—		3,166		421,997
Consumer		30,632		—		35		30,667
Total		$	2,712,915	$	1,812	$	49,811	$	2,764,538

	March 31, 2025
(dollars in thousands)		Pass		Special Mention		Substandard		Total
One- to four-family first mortgage		$	496,694	$	820	$	6,842	$	504,356
Home equity loans and lines		77,045		—		372		77,417
Commercial real estate		1,174,920		—		18,444		1,193,364
Construction and land		341,273		—		5,714		346,987
Multi-family residential		182,536		—		1,256		183,792
Commercial and industrial		407,742		—		3,621		411,363
Consumer		29,838		—		160		29,998
Total		$	2,710,048	$	820	$	36,409	$	2,747,277

Investment Securities

The Company's investment securities portfolio totaled $394.5 million at June 30, 2025, a decrease of $7.1 million, or 2%, from March 31, 2025. At June 30, 2025, the Company had a net unrealized loss position on its investment securities of $30.2 million, compared to a net unrealized loss of $34.0 million at March 31, 2025. The Company’s investment securities portfolio had an effective duration of 3.6 years and 3.7 years at June 30, 2025 and March 31, 2025, respectively. During the second quarter of 2025, the Company made securities purchases of $4.5 million, compared to $2.9 million during the first quarter of 2025.

The following table summarizes the composition of the Company's investment securities portfolio at June 30, 2025.


(dollars in thousands)	Amortized Cost		Fair Value
Available for sale:
U.S. agency mortgage-backed	$	280,484	$	258,925
Collateralized mortgage obligations	68,080		66,615
Municipal bonds	53,240		46,942
U.S. government agency	16,863		16,338
Corporate bonds	4,985		4,642
Total available for sale	$	423,652	$	393,462
Held to maturity:
Municipal bonds	$	1,065	$	1,066
Total held to maturity	$	1,065	$	1,066

Approximately 36% of the investment securities portfolio was pledged as of June 30, 2025 to secure public deposits. The Company had $141.7 million and $142.0 million of securities pledged to secure public deposits at June 30, 2025 and March 31, 2025, respectively.

Deposits

Total deposits were $2.9 billion at June 30, 2025, up $81.0 million, or 3%, from March 31, 2025. Non-maturity deposits increased $17.2 million, or 1%, during the second quarter of 2025 to $2.1 billion. The following table summarizes the changes in the Company’s deposits from March 31, 2025 to June 30, 2025.


(dollars in thousands)	6/30/2025		3/31/2025		Increase (Decrease)
Demand deposits	$	796,844	$	754,955	$	41,889	6	%
Savings	204,191		212,053		(7,862)		(4)
Money market	463,332		464,659		(1,327)		—
NOW	625,793		641,287		(15,494)		(2)
Certificates of deposit	818,074		754,253		63,821		8
Total deposits	$	2,908,234	$	2,827,207	$	81,027	3	%

The average rate on interest-bearing deposits increased 1 basis point from 2.51% for the first quarter of 2025 to 2.52% for the second quarter of 2025. At June 30, 2025, certificates of deposit maturing within the next 12 months totaled $781.9 million.

We obtain most of our deposits from individuals, small businesses and public funds in our market areas. The following table presents our deposits per customer type for the periods indicated.


	June 30, 2025	March 31, 2025
Individuals	52%	53%
Small businesses	38	36
Public funds	7	8
Broker	3	3
Total	100%	100%

The total amounts of our uninsured deposits (deposits in excess of $250,000, as calculated in accordance with FDIC regulations) were $887.9 million at June 30, 2025 and $844.2 million at March 31, 2025. Public funds in excess of the FDIC insurance limits are fully collateralized.

Net Interest Income

The net interest margin ("NIM") increased 13 basis points from 3.91% for the first quarter of 2025 to 4.04% for the second quarter of 2025 primarily due to an increase in average yield on interest-earnings assets and a decline in the average cost for average interest-bearing liabilities.

The average cost of interest-bearing deposits increased by 1 basis point in the second quarter of 2025 compared to the first quarter of 2025. The increase in deposit costs primarily reflects the increase in non-maturity deposit balances.

Average other interest-earning assets were $71.1 million for the second quarter of 2025, up $15.2 million, or 27%, from the first quarter of 2025, primarily due to an increase in the average balance of cash and cash equivalents.

Average FHLB advances were $114.0 million for the second quarter of 2025, a decrease of $66.6 million, or 37%, from the first quarter of 2025 due to paydowns of FHLB advances.

Loan accretion income from acquired loans totaled $356,000 for the second quarter of 2025, which remained unchanged from the first quarter of 2025.

Noninterest Income

Noninterest income for the second quarter of 2025 totaled $3.7 million, down $293,000, or 7%, from the first quarter of 2025. The decrease was related primarily to decreases in gain on sale of loans (down $263,000) and other income (down $231,000), which were partially offset by increases in bank card fees (up $172,000) and service fees and charges (up $36,000) for the second quarter of 2025 compared to the first quarter of 2025.

Noninterest Expense

Noninterest expense for the second quarter of 2025 totaled $22.4 million, up $828,000, or 4%, from the first quarter of 2025. The increase was primarily related to an increase in other expenses (up $1.0 million primarily due to a write off of an acquired SBA accounts receivable for guarantees) and compensation and benefits expense (up $670,000), which were partially offset by the reversal to the allowance for credit losses on unfunded commitments ($970,000) during the second quarter of 2025.

Capital

At June 30, 2025, shareholders’ equity totaled $408.8 million, up $6.0 million, or 1%, compared to $402.8 million at March 31, 2025. The increase was primarily due to the Company’s earnings of $11.3 million and a decrease in the accumulated other comprehensive loss on available for sale investment securities during the second quarter of 2025, which was partially offset by shareholder dividends and repurchases of shares of the Company's common stock. Preliminary Tier 1 leverage capital and total risk-based capital ratios were 11.47% and 14.66%, respectively, at June 30, 2025, compared to 11.48% and 14.58%, respectively, at March 31, 2025.

Dividend and Share Repurchases

The Company announces that its Board of Directors declared a quarterly cash dividend on shares of its common stock of $0.29 per share payable on August 15, 2025, to shareholders of record as of August 4, 2025.

The Company repurchased 147,243 shares of its common stock during the second quarter of 2025 at an average price per share of $43.72. An additional 391,072 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 $52.36 and $41.54, respectively, at June 30, 2025.

Conference Call

Executive management will host a conference call to discuss second quarter 2025 results on Tuesday, July 22, 2025 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)	6/30/2025			3/31/2025			12/31/2024			9/30/2024			6/30/2024
Reported net income	$	11,330		$	10,964		$	9,673		$	9,437		$	8,118
Add: Core deposit intangible amortization, net tax	213			231			250			259			261
Non-GAAP tangible income	$	11,543		$	11,195		$	9,923		$	9,696		$	8,379
































Total assets	$	3,491,455		$	3,485,453		$	3,443,668		$	3,441,990		$	3,410,881
Less: Intangible assets	84,482			84,751			85,044			85,361			85,690
Non-GAAP tangible assets	$	3,406,973		$	3,400,702		$	3,358,624		$	3,356,629		$	3,325,191

Total shareholders’ equity	$	408,818		$	402,831		$	396,088		$	393,453		$	375,830
Less: Intangible assets	84,482			84,751			85,044			85,361			85,690
Non-GAAP tangible shareholders’ equity	$	324,336		$	318,080		$	311,044		$	308,092		$	290,140

















Return on average equity	11.24		%	11.02		%	9.71		%	9.76		%	8.75		%
Add: Average intangible assets	3.24			3.23			2.99			3.14			2.98
Non-GAAP return on average tangible common equity	14.48		%	14.25		%	12.70		%	12.90		%	11.73		%

Common equity ratio	11.71		%	11.56		%	11.50		%	11.43		%	11.02		%
Less: Intangible assets	2.19			2.21			2.24			2.25			2.29
Non-GAAP tangible common equity ratio	9.52		%	9.35		%	9.26		%	9.18		%	8.73		%

Book value per share	$	52.36		$	50.82		$	48.95		$	48.75		$	46.51
Less: Intangible assets	10.82			10.69			10.51			10.58			10.61
Non-GAAP tangible book value per share	$	41.54		$	40.13		$	38.44		$	38.17		$	35.90

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, 2024 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)	6/30/2025		3/31/2025		12/31/2024		9/30/2024		6/30/2024
Assets
Cash and cash equivalents	$	112,595	$	110,662	$	98,548	$	135,877	$	113,462

Investment securities available for sale, at fair value	393,462		400,553		402,792		420,723		412,472
Investment securities held to maturity	1,065		1,065		1,065		1,065		1,065
Mortgage loans held for sale	1,305		1,855		832		242		—
Loans, net of unearned income	2,764,538		2,747,277		2,718,185		2,668,286		2,661,346
Allowance for loan losses	(33,432)		(33,278)		(32,916)		(32,278)		(32,212)
Total loans, net of allowance for loan losses	2,731,106		2,713,999		2,685,269		2,636,008		2,629,134
Office properties and equipment, net	45,216		45,327		42,324		42,659		43,089
Cash surrender value of bank-owned life insurance	48,981		48,699		48,421		48,139		47,858
Goodwill and core deposit intangibles	84,482		84,751		85,044		85,361		85,690
Accrued interest receivable and other assets	73,243		78,542		79,373		71,916		78,111
Total Assets	$	3,491,455	$	3,485,453	$	3,443,668	$	3,441,990	$	3,410,881

Liabilities
Deposits	$	2,908,234	$	2,827,207	$	2,780,696	$	2,777,487	$	2,722,915
Other Borrowings	5,539		5,539		5,539		140,539		140,539
Subordinated debt, net of issuance cost	54,567		54,513		54,459		54,402		54,348
Federal Home Loan Bank advances	88,196		163,259		175,546		38,410		83,506
Accrued interest payable and other liabilities	26,101		32,104		31,340		37,699		33,743
Total Liabilities	3,082,637		3,082,622		3,047,580		3,048,537		3,035,051

Shareholders' Equity
Common stock	78		79		81		81		81
Additional paid-in capital	166,576		167,231		168,138		166,743		165,918
Common stock acquired by benefit plans	(1,160)		(1,250)		(1,339)		(1,428)		(1,518)
Retained earnings	265,817		261,856		259,190		251,692		245,046
Accumulated other comprehensive loss	(22,493)		(25,085)		(29,982)		(23,635)		(33,697)
Total Shareholders' Equity	408,818		402,831		396,088		393,453		375,830
Total Liabilities and Shareholders' Equity	$	3,491,455	$	3,485,453	$	3,443,668	$	3,441,990	$	3,410,881


HOME BANCORP, INC. AND SUBSIDIARY
CONDENSED STATEMENTS OF INCOME
(Unaudited)
	Three Months Ended						Six Months Ended
(dollars in thousands, except per share data)	6/30/2025		3/31/2025		6/30/2024			6/30/2025		6/30/2024
Interest Income
Loans, including fees	$	45,287	$	44,032	$	41,999		$	89,319	$	82,566
Investment securities	2,596		2,664		2,740			5,260		5,528
Other investments and deposits	746		505		719			1,251		1,490
Total interest income	48,629		47,201		45,458			95,830		89,584
Interest Expense
Deposits	13,142		12,622		13,134			25,764		25,266
Other borrowings	53		53		1,656			106		3,142
Subordinated debt expense	844		845		844			1,689		1,689
Federal Home Loan Bank advances	1,239		1,932		431			3,171		1,193
Total interest expense	15,278		15,452		16,065			30,730		31,290
Net interest income	33,351		31,749		29,393			65,100		58,294
Provision for loan losses	489		394		1,261			883		1,402
Net interest income after provision for loan losses	32,862		31,355		28,132			64,217		56,892
Noninterest Income
Service fees and charges	1,345		1,309		1,239			2,654		2,493
Bank card fees	1,750		1,578		1,751			3,328		3,326
Gain on sale of loans, net	114		377		126			491		213
Income from bank-owned life insurance	282		278		271			560		537

(Loss) gain on sale of assets, net	(2)		9		(2)			7		4
Other income	227		458		370			685		731
Total noninterest income	3,716		4,009		3,755			7,725		7,304
Noninterest Expense
Compensation and benefits	13,322		12,652		12,788			25,974		24,958
Occupancy	2,513		2,561		2,603			5,074		5,057
Marketing and advertising	461		429		485			890		951
Data processing and communication	2,628		2,642		2,555			5,270		5,069
Professional fees	396		405		581			801		1,056
Forms, printing and supplies	203		200		187			403		392
Franchise and shares tax	483		476		487			959		975
Regulatory fees	502		516		509			1,018		978
Foreclosed assets, net	419		227		89			646		154
Amortization of acquisition intangible	269		293		329			562		682
Reversal for credit losses on unfunded commitments	(970)		—		(134)			(970)		(134)
Other expenses	2,181		1,178		1,329			3,359		2,538
Total noninterest expense	22,407		21,579		21,808			43,986		42,676
Income before income tax expense	14,171		13,785		10,079			27,956		21,520
Income tax expense	2,841		2,821		1,961			5,662		4,203
Net income	$	11,330	$	10,964	$	8,118		$	22,294	$	17,317

Earnings per share - basic	$	1.47	$	1.38	$	1.02		$	2.85	$	2.17
Earnings per share - diluted	$	1.45	$	1.37	$	1.02		$	2.82	$	2.16

Cash dividends declared per common share	$	0.27	$	0.27	$	0.25		$	0.54	$	0.50


HOME BANCORP, INC. AND SUBSIDIARY
SUMMARY FINANCIAL INFORMATION
(Unaudited)
	Three Months Ended									Six Months Ended
(dollars in thousands, except per share data)	6/30/2025			3/31/2025			6/30/2024				6/30/2025			6/30/2024
EARNINGS DATA
Total interest income	$	48,629		$	47,201		$	45,458			$	95,830		$	89,584
Total interest expense	15,278			15,452			16,065				30,730			31,290
Net interest income	33,351			31,749			29,393				65,100			58,294
Provision for loan losses	489			394			1,261				883			1,402
Total noninterest income	3,716			4,009			3,755				7,725			7,304
Total noninterest expense	22,407			21,579			21,808				43,986			42,676
Income tax expense	2,841			2,821			1,961				5,662			4,203
Net income	$	11,330		$	10,964		$	8,118			$	22,294		$	17,317

AVERAGE BALANCE SHEET DATA
Total assets	$	3,474,762		$	3,449,472		$	3,367,207			$	3,462,187		$	3,350,545
Total interest-earning assets	3,261,733			3,240,619			3,167,186				3,251,235			3,149,904
Total loans	2,764,065			2,745,212			2,652,331				2,754,691			2,627,636
PPP loans	330			1,320			5,156				822			5,274
Total interest-bearing deposits	2,087,781			2,038,681			1,965,181				2,063,367			1,951,414
Total interest-bearing liabilities	2,261,916			2,279,363			2,206,612				2,270,592			2,198,104
Total deposits	2,863,683			2,772,295			2,716,957				2,818,241			2,698,933
Total shareholders' equity	404,367			403,504			373,139				403,938			371,950

PER SHARE DATA
Earnings per share - basic	$	1.47		$	1.38		$	1.02			$	2.85		$	2.17
Earnings per share - diluted	1.45			1.37			1.02				2.82			2.16
Book value at period end	52.36			50.82			46.51				52.36			46.51
Tangible book value at period end	41.54			40.13			35.90				41.54			35.90
Shares outstanding at period end	7,808,421			7,926,331			8,081,344				7,808,421			8,081,344
Weighted average shares outstanding
Basic	7,707,423			7,949,477			7,972,445				7,827,781			7,978,381
Diluted	7,781,021			8,026,815			8,018,908				7,903,239			8,029,206

SELECTED RATIOS (1)
Return on average assets	1.31		%	1.29		%	0.97		%		1.30		%	1.04		%
Return on average equity	11.24			11.02			8.75				11.13			9.36
Common equity ratio	11.71			11.56			11.02				11.71			11.02
Efficiency ratio (2)	60.45			60.35			65.79				60.40			65.06
Average equity to average assets	11.64			11.70			11.08				11.67			11.10
Tier 1 leverage capital ratio (3)	11.47			11.48			11.22				11.47			11.22
Total risk-based capital ratio (3)	14.66			14.58			14.39				14.66			14.39
Net interest margin (4)	4.04			3.91			3.66				3.98			3.65

SELECTED NON-GAAP RATIOS (1)
Tangible common equity ratio (5)	9.52		%	9.35		%	8.73		%		9.52		%	8.73		%
Return on average tangible common equity (6)	14.48			14.25			11.73				14.37			12.56

(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
	6/30/2025						3/31/2025						6/30/2024
(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	$	2,764,065	$	45,287	6.50	%	$	2,745,212	$	44,032	6.43	%	$	2,652,331	$	41,999	6.28	%
Investment securities (TE)(1)	426,601		2,596		2.45		439,556		2,664		2.44		463,500		2,740		2.38
Other interest-earning assets	71,067		746		4.21		55,851		505		3.67		51,355		719		5.64
Total interest-earning assets	$	3,261,733	$	48,629	5.92	%	$	3,240,619	$	47,201	5.84	%	$	3,167,186	$	45,458	5.70	%
Interest-bearing liabilities:
Deposits:
Savings, checking, and money market	$	1,296,541	$	5,531	1.71	%	$	1,306,602	$	5,401	1.68	%	$	1,260,491	$	5,108	1.63	%
Certificates of deposit	791,240		7,611		3.86		732,079		7,221		4.00		704,690		8,026		4.58
Total interest-bearing deposits	2,087,781		13,142		2.52		2,038,681		12,622		2.51		1,965,181		13,134		2.69
Other borrowings	5,572		53		3.84		5,539		53		3.89		140,610		1,656		4.74
Subordinated debt	54,540		844		6.20		54,485		845		6.20		54,322		844		6.22
FHLB advances	114,023		1,239		4.30		180,658		1,932		4.28		46,499		431		3.69
Total interest-bearing liabilities	$	2,261,916	$	15,278	2.71	%	$	2,279,363	$	15,452	2.74	%	$	2,206,612	$	16,065	2.93	%
Noninterest-bearing deposits	$	775,902					$	733,613					$	751,776
Net interest spread (TE)(1)					3.21	%					3.10	%					2.77	%
Net interest margin (TE)(1)					4.04	%					3.91	%					3.66	%

(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
	6/30/2025						6/30/2024
(dollars in thousands)	Average Balance		Interest		Average Yield/ Rate		Average Balance		Interest		Average Yield/ Rate
Interest-earning assets:
Loans receivable	$	2,754,691	$	89,319	6.46	%	$	2,627,636	$	82,566	6.23	%
Investment securities (TE)(1)	433,043		5,260		2.45		468,039		5,528		2.38
Other interest-earning assets	63,501		1,251		3.97		54,229		1,490		5.53
Total interest-earning assets	$	3,251,235	$	95,830	5.88	%	$	3,149,904	$	89,584	5.65	%
Interest-bearing liabilities:
Deposits:
Savings, checking, and money market	$	1,301,544	$	10,932	1.69	%	$	1,264,892	$	9,908	1.58	%
Certificates of deposit	761,823		14,832		3.93		686,522		15,358		4.50
Total interest-bearing deposits	2,063,367		25,764		2.52		1,951,414		25,266		2.60
Other borrowings	5,556		106		3.86		133,294		3,142		4.74
Subordinated debt	54,512		1,689		6.20		54,295		1,689		6.22
FHLB advances	147,157		3,171		4.29		59,101		1,193		4.02
Total interest-bearing liabilities	$	2,270,592	$	30,730	2.72	%	$	2,198,104	$	31,290	2.86	%
Noninterest-bearing deposits	$	754,874					$	747,519
Net interest spread (TE)(1)					3.16	%					2.79	%
Net interest margin (TE)(1)					3.98	%					3.65	%

(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
	6/30/2025			3/31/2025			12/31/2024			9/30/2024			6/30/2024
CREDIT QUALITY (1)
Nonaccrual loans:
One- to four-family first mortgage	$	6,272		$	6,368		$	7,039		$	7,750		$	6,892
Home equity loans and lines	1,033			372			279			208			224
Commercial real estate	7,669			4,349			3,304			7,064			8,110
Construction and land	6,103			5,584			1,622			2,127			297
Multi-family residential	916			930			—			—			238
Commercial and industrial	1,312			1,206			1,311			777			810
Consumer	35			161			27			129			246
Total nonaccrual loans	$	23,340		$	18,970		$	13,582		$	18,055		$	16,817
Accruing loans 90 days or more past due	12			77			16			34			1
Total nonperforming loans	23,352			19,047			13,598			18,089			16,818
Foreclosed assets and ORE	2,077			2,424			2,010			267			231
Total nonperforming assets	$	25,429		$	21,471		$	15,608		$	18,356		$	17,049

Nonperforming assets to total assets	0.73		%	0.62		%	0.45		%	0.53		%	0.50		%
Nonperforming loans to total assets	0.67			0.55			0.39			0.53			0.49
Nonperforming loans to total loans	0.84			0.69			0.50			0.68			0.63

ALLOWANCE FOR CREDIT LOSSES
Allowance for loan losses:
Beginning balance	$	33,278		$	32,916		$	32,278		$	32,212		$	31,461
Provision for loan losses	489			394			873			140			1,261
Charge-offs	(460)			(226)			(255)			(215)			(574)
Recoveries	125			194			20			141			64
Net charge-offs	(335)			(32)			(235)			(74)			(510)
Ending balance	$	33,432		$	33,278		$	32,916		$	32,278		$	32,212

Reserve for unfunded lending commitments(2)
Beginning balance	$	2,700		$	2,700		$	2,460		$	2,460		$	2,594
(Reversal) provision for losses on unfunded lending commitments	(970)			—			240			—			(134)
Ending balance	$	1,730		$	2,700		$	2,700		$	2,460		$	2,460
Total allowance for credit losses	35,162			35,978			35,616			34,738			34,672

Total loans	$	2,764,538		$	2,747,277		$	2,718,185		$	2,668,286		$	2,661,346
Total unfunded commitments	492,306			508,864			516,785			527,333			509,835


HOME BANCORP, INC. AND SUBSIDIARY
SUMMARY CREDIT QUALITY INFORMATION
(Unaudited)
	Three Months Ended
	6/30/2025			3/31/2025			12/31/2024			9/30/2024			6/30/2024

Allowance for loan losses to nonperforming assets	131.47		%	154.99		%	210.89		%	175.84		%	188.94		%
Allowance for loan losses to nonperforming loans	143.17			174.72			242.07			178.44			191.53
Allowance for loan losses to total loans	1.21			1.21			1.21			1.21			1.21
Allowance for credit losses to total loans	1.27			1.31			1.31			1.30			1.30

Year-to-date loan charge-offs	$	(686)		$	(226)		$	(1,285)		$	(1,030)		$	(815)
Year-to-date loan recoveries	319			194			249			229			88
Year-to-date net loan charge-offs	$	(367)		$	(32)		$	(1,036)		$	(801)		$	(727)
Annualized YTD net loan charge-offs to average loans	(0.03)		%	—		%	(0.04)		%	(0.04)		%	(0.06)		%

(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.

EX-99.2 3 q22025investorpresentati.htm EX-99.2 q22025investorpresentati

Q2 2025 Earnings Conference Call

Certain comments in this presentation contain certain forward looking statements (as defined in the Securities Exchange Act of 1934 and the regulations thereunder). Forward looking statements are not historical facts but instead represent only the beliefs, expectations or opinions of Home Bancorp, Inc. and its management regarding future events, many of which, by their nature, are inherently uncertain. Forward looking statements may be identified by the use of such words as: “believe”, “expect”, “anticipate”, “intend”, “plan”, “estimate”, or words of similar meaning, or future or conditional terms such as “will”, “would”, “should”, “could”, “may”, “likely”, “probably”, or “possibly.” Forward looking statements include, but are not limited to, financial projections and estimates and their underlying assumptions; statements regarding plans, objectives and expectations with respect to future operations, products and services; and statements regarding future performance. Such statements are subject to certain risks, uncertainties and assumption, many of which are difficult to predict and generally are beyond the control of Home Bancorp, Inc. and its management, that could cause actual results to differ materially from those expressed in, or implied or projected by, forward looking statements. The following factors, among others, could cause actual results to differ materially from the anticipated results or other expectations expressed in the forward looking statements: (1) economic and competitive conditions which could affect the volume of loan originations, deposit flows and real estate values; (2) the levels of noninterest income and expense and the amount of loan losses; (3) competitive pressure among depository institutions increasing significantly; (4) changes in the interest rate environment causing reduced interest margins; (5) general economic conditions, either nationally or in the markets in which Home Bancorp, Inc. is or will be doing business, being less favorable than expected; (6) political and social unrest, including acts of war or terrorism; (7) we may not fully realize all the benefits we anticipated in connection with our acquisitions of other institutions or our assumptions made in connection therewith may prove to be inaccurate; (8) cyber incidents or other failures, disruptions or security beaches; or (9) legislation or changes in regulatory requirements adversely affecting the business of Home Bancorp, Inc. Home Bancorp, Inc. undertakes no obligation to update these forward looking statements to reflect events or circumstances that occur after the date on which such statements were made. As used in this report, unless the context otherwise requires, the terms “we,” “our,” “us,” or the “Company” refer to Home Bancorp, Inc. and the term the “Bank” refers to Home Bank, N.A., a national bank and wholly owned subsidiary of the Company. In addition, unless the context otherwise requires, references to the operations of the Company include the operations of the Bank. For a more detailed description of the factors that may affect Home Bancorp’s operating results or the outcomes described in these forward-looking statements, we refer you to our filings with the Securities and Exchange Commission, including our annual report on Form 10-K for the year ended December 31, 2024. Home Bancorp assumes no obligation to update the forward-looking statements made during this presentation. For more information, please visit our website www.home24bank.com. Non-GAAP Information This presentation 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 presentation, information is included which excludes acquired loans, intangible assets, impact of the gain (loss) on the sale of a banking center, the impact of merger-related expenses and one-time tax effects. 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 core operating results. This non-GAAP financial information should not be viewed as a substitute for financial information determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP financial information presented by other companies. | 2 Forward-Looking Statements

Headquarters: Lafayette, LA Ticker: HBCP (NASDAQ) History: • Founded in 1908 • IPO completed October 2008 • Six acquisitions completed since 2010 • 43 locations across Southern Louisiana, Western Mississippi and Houston • 1 Commercial Banking Office in North Houston Highlights: • Total Assets: $3.5 billion at June 30, 2025 • Market Cap: $438 million at July 18, 2025 • Ownership (S&P Global as of July 18, 2025) • Institutional: 48% • Insider/ESOP: 12% | 3 Our Company Total Assets $3.5B Total Loans $2.8B Total Deposits $2.9B

| 4 Our Markets

Quarterly Financial Highlights 1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 2Q 2025 Profitability Net income $ 9,199 $ 8,118 $ 9,437 $ 9,673 $ 10,964 $ 11,330 Diluted EPS 1.14 1.02 1.18 1.21 1.37 1.45 Net interest income 28,901 29,393 30,382 31,586 31,749 33,351 Provision for loan losses 141 1,261 140 873 394 489 Core pre-provision net income(1) 9,152 8,868 9,430 10,430 11,205 10,881 Net interest margin ("NIM") 3.64 % 3.66 % 3.71 % 3.82 % 3.91 % 4.04 % ROA 1.11 0.97 1.10 1.12 1.29 1.31 ROE 10.0 8.8 9.8 9.7 11.0 11.2 ROATCE(1) 13.4 11.7 12.9 12.7 14.3 14.5 Efficiency ratio 64.3 65.8 65.3 63.5 60.4 60.5 Balance Sheet Assets $ 3,357,604 $ 3,410,881 $ 3,441,990 $ 3,443,668 $ 3,485,453 $ 3,491,455 Loans 2,621,690 2,661,346 2,668,286 2,718,185 2,747,277 2,764,538 Total deposits 2,722,578 2,722,915 2,777,487 2,780,696 2,827,207 2,908,234 Allowance/total loan ratio 1.20 % 1.21 % 1.21 % 1.21 % 1.21 % 1.21 % TCE Ratio 8.8 8.7 9.2 9.3 9.4 9.5 Loan/Deposit ratio 96.3 97.7 96.1 97.8 97.2 95.1 Per Share Data Share price $ 38.31 $ 40.01 $ 44.58 $ 46.21 $ 44.80 $ 51.78 Book value 45.73 46.51 48.75 48.95 50.82 52.36 Tangible book value(1) 35.17 35.90 38.17 38.44 40.13 41.54 Price / tangible book value per share 109 % 111 % 117 % 120 % 112 % 125 % Dividend paid $ 0.25 $ 0.25 $ 0.25 $ 0.26 $ 0.27 $ 0.27 (1) See appendix for reconciliation of Non-GAAP items. | 5 (dollars in thousands, except per share data)

H om e B an k To ta l A ss et s ($ in m illi on s) 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 Jun- 25 YTD 500 1,000 1,500 2,000 2,500 3,000 3,500 4,000 Statewide Bank - $199 MM Guaranty Savings Bank - $257 MM Britton & Koontz Bank - $301 MM Bank of New Orleans - $346 MM St. Martin Bank & Trust - $597 MM CAGR = 12.1% as of June 30, 2025 | 6 Asset Growth Texan Bank - $416 MM

Profitability 0.99 1.76 1.07 1.23 1.08 1.29 1.31 1.12 1.04 1.25 1.27 1.12 1.32 1.26 GAAP Core pre-provision earnings 2020 2021 2022 2023 2024 1Q 2025 2Q 2025 0.0% 0.2% 0.4% 0.6% 0.8% 1.0% 1.2% 1.4% 1.6% 1.8% 2.0% Return on Average Assets 7.8 14.4 10.2 11.6 9.6 11.0 11.2 8.9 8.5 11.8 11.9 9.9 11.3 10.8 GAAP Core pre-provision earnings 2020 2021 2022 2023 2024 1Q 2025 2Q 2025 0.0% 2.0% 4.0% 6.0% 8.0% 10.0% 12.0% 14.0% 16.0% Return on Average Equity 10.2 18.0 13.9 16.0 12.7 14.3 14.5 11.1 10.5 15.6 15.9 12.8 14.3 13.6 ROATCE Core pre-provision earnings 2020 2021 2022 2023 2024 1Q 2025 2Q 2025 0.0% 2.0% 4.0% 6.0% 8.0% 10.0% 12.0% 14.0% 16.0% 18.0% 20.0% Return on Tangible Common Equity 59.1 57.1 62.1 61.2 64.7 60.3 60.4 63.8 64.8 61.2 61.3 64.6 60.2 62.9 GAAP Core pre-provision earnings 2020 2021 2022 2023 2024 1Q 2025 2Q 2025 50.0% 55.0% 60.0% 65.0% 70.0% Efficiency Ratio (1) See appendix for reconciliation of Non-GAAP items. (1) | 7

Lo an B al an ce O ut st an di ng ($ in m ill io ns ) A nnualized G row th R ate Total Loans Annualized Growth Rate 4Q 2023 1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 2Q 2025 2,500 2,550 2,600 2,650 2,700 2,750 2,800 Loan Portfolio (as of June 30, 2025) CRE O.O. 26% 1-4 Mortgage 18% CRE N.O.O. 18% C&I 15% C&D 12% Multifamily 7% Home Equity 3% Consumer 1% Composition Market Diversification Acadiana 28% New Orleans 28% Houston 20% Northshore 13% Baton Rouge 10% MS 1% • Total loans - $2.8 billion • 2Q 2025 WAR - 6.50% • Houston market - 18% annualized growth rate • YTD 2025 annualized growth rate - 3% • Houston market - 18% annualized growth rate YTD | 8 6% 6% 1% 7% 3% 4%

OO CRE Portfolio (as of June 30, 2025) Geographic Exposure Houston, 34% Acadiana, 26% New Orleans 16% Northshore 12% Baton Rouge 10% Mississippi, 1% Southwest LA, 1% | 9 dollars in thousands Balances % of Total Loans % of OO CRE Avg Loan Size Criticized Balances Convenience Store $ 151,162 6 % 21 % $ 1,512 $ — Office 107,605 4 15 472 — Warehouse Or Industrial 97,543 4 14 557 5,408 Office Medical 81,790 3 11 870 — Other Specialty Use 61,022 2 8 925 3,959 Retail Single Tenant 54,590 2 8 658 — Hospital Or Surgical Center 53,244 2 7 4,437 — Restaurant/Bar 48,487 2 7 724 270 Church/School Mtg 45,564 2 6 930 1,504 Other 18,928 1 3 676 — Total $ 719,935 26 % 100 % $ 798 $ 11,141 Repricing or Maturing Term dollars in thousands 3 mths or less 4 - 12 mths 1 - 3 Years 3 - 5 Years 5+ Years Balances $ 95,989 $ 70,210 $ 185,722 $ 186,560 $ 181,454 WAR 6.8 % 4.6 % 5.3 % 6.6 % 4.5 % Average Rate 5.6% Fixed Rate % 72% Convenience Store Balances 85% in Houston Nonaccrual Balance $5.2 million

NOO CRE Portfolio, including Multifamily (as of June 30, 2025) Geographic Exposure New Orleans 39% Houston 22% Northshore 20% Acadiana 12% Baton Rouge 5% Other, 2% | 10 dollars in thousands Balances % of Total Loans % of NOO CRE Avg Loan Size Criticized Balances Multifamily $ 183,809 7 % 27 % $ 1,268 $ 1,237 Retail Multi-tenant 142,418 5 21 1,676 254 Multi Use Facility 86,791 3 13 1,423 7,332 Office 68,410 3 10 964 5,932 Other 57,779 2 8 932 — Warehouse or Industrial 54,648 2 8 683 — Hotel/Motel 48,456 2 7 1,154 6,800 Other Specialty Use 14,317 1 2 622 — Retail Single Tenant 13,143 1 2 453 — Hospital or Surgical Center 12,271 — 2 2,045 — Total $ 682,042 25 % 100 % $ 1,129 $ 21,555 Repricing or Maturing Term dollars in thousands 3 mths or less 4 - 12 mths 1-3 years 3-5 Years 5+ Years Balances $ 135,838 $ 61,298 $ 259,096 $ 146,805 $ 79,005 WAR 7.0 % 5.0 % 5.3 % 6.9 % 4.6 % Average Rate 5.84% Fixed Rate % 71% Nonaccrual Balance $3.4 million

CRE Non-Medical Office Exposure (as of June 30, 2025) | 11 Nonaccrual Balance NOO loans - $0.0 OO loans - $0.0 Total Non-Medical Office Loans $176.0 million or 6.4% of total loans NOO Geographic Exposure Baton Rouge 0.9% Houston 0.8% Norths hore 0.3% Acadiana 0.3% New Orlean s 0.1% dollars in thousands Balances % of Total Loans Avg Loan Size Criticized Balances Baton Rouge $ 24,432 0.9 % $ 1,357 $ — Houston 21,961 0.8 1,830 5,932 Northshore 9,097 0.3 1,011 — Acadiana 9,072 0.3 378 — New Orleans 3,658 0.1 523 — Mississippi 190 — 190 — Total NOO Office $ 68,410 2.4 % $ 964 $ 5,932 dollars in thousands Balances % of Total Loans Avg Loan Size Criticized Balances Acadiana $ 30,902 1.1 % $ 429 $ — Houston 22,328 0.8 770 — New Orleans 22,136 0.8 540 — Baton Rouge 14,456 0.5 371 — Northshore 11,206 0.4 487 — Southwest LA 3,328 0.1 222 — Mississippi 3,249 0.1 361 — Total OO Office $ 107,605 3.8 % $ 472 $ — OO Office Exposure NOO Office Exposure Average Remaining Maturity NOO 6.2 yrs OO 7.2 yrs Average Rate NOO 5.3% OO 5.8%

Commercial & Industrial (as of June 30, 2025) | 12 Nonaccrual Balance $1.3 million LOC Utilization Rate 51% Average Rate 7.4% Geographic Exposure Acadiana 40% Baton Rouge 17% New Orleans 10% Northshore 9% Houston 9% Southwest LA 7% Other 6% Natchez 2% dollars in thousands Balances % of C&I % of Loans Avg Loan Size Criticized Balances Finance and Insurance 55,984 13.3 2.0 1,018 1,295 Professional Services $ 53,701 12.7 1.9 $ 126 $ 5 Retail 46,763 11.1 1.7 256 348 Manufacturing 38,524 9.1 1.4 273 325 Construction 35,270 8.4 1.3 121 946 Real Estate Leasing 32,538 7.7 1.2 149 — Healthcare 32,223 7.6 1.2 141 — Transportation 27,416 6.5 1.0 197 54 Agriculture 23,971 5.7 0.9 162 — Oil & Gas Extraction 21,540 5.1 0.8 321 — Other 54,067 12.8 2.0 139 198 Totals $ 421,997 100 % 15.3 % $ 185 $ 3,171 Repricing or Maturing Term dollars in thousands 3 mths or less 4 -12 Mths 1 - 3 Years 3 - 5 Years 5+ Years Balances $ 238,937 $ 26,324 $ 46,720 $ 57,367 $ 52,649 WAR 7.9 % 7.4 % 6.5 % 7.0 % 6.1 % Fixed Rate % 40%

C&D Portfolio (as of June 30, 2025) Commercial Construction, 50% Lots, Development and Unimproved Land, 31% 1-4 Family Construction, 19% Composition | 13 Historic Charge-off (Recovery Rate) Charge-off (recovery) 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 Jun- 25 YTD (0.25)% —% 0.25% 0.50% 0.75% 1.00% Total Balance $325 million Average Balance $534K $782K net charge-offs since 2009 1.9% on Nonaccrual or $6.1 million

Loans & Securities - Repricing and Maturity (as of June 30, 2025) | 14 Loan Repricing or Maturing Term Rate Structure Total Loans and Leases (1) dollars in millions 3 mths or less 4 -12 Mths 1 - 3 Years 3 - 5 Years 5 - 7 Years 7+ Years Total Fixed Adjustable Residential mortgages $48 $58 $127 $111 $30 $130 $504 $278 $226 Home equity loans and lines 71 2 2 2 0 4 81 9 73 Commercial real estate 208 113 368 283 115 131 1,218 854 364 Construction and land 180 69 55 15 5 1 325 126 198 Multifamily 24 18 77 50 5 10 184 149 35 Commercial and industrial 239 26 47 57 26 27 422 168 254 Other consumer 11 2 4 4 2 7 30 26 5 Total Loans and Leases $781 $288 $680 $522 $183 $310 $2,764 $1,610 $1,155 % of Total 28% 10% 25% 19% 7% 11% 100% 58% 42% Cumulative 28% 38% 63% 82% 89% 100% Weighted average rate 7.42% 5.82% 5.54% 6.81% 5.06% 4.84% 6.23% 5.48% 7.27% Investment Securities Projected Cash Flow Total Investment Securities (2) dollars in millions 3 mths or less 4 -12 Mths 1 - 3 Years 3 - 5 Years 5 - 7 Years 7+ Years Total Current par value $18 $50 $133 $92 $53 $77 $424 % of Total 4% 12% 31% 22% 13% 18% 100% Cumulative 4% 16% 47% 69% 82% 100% Weighted average rate 2.98 % 2.54 % 2.51 % 2.15 % 2.84 % 2.18 % 2.44% (1) Based on maturity date for fixed rate loans. (2) Par value for securities at June 30, 2025 by expected cash flow are shown. Actual cash flow may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without prepayment penalties.

($ in m illi on s) $29.3 $2.3 $(0.1) $2.4 $(1.0) $0.9 $(0.4) $29.3 $31.5 $32.9 $33.4 Dec 2022 Organic Provision Net Charge- offs Dec 2023 Organic Provision Net Charge- offs Dec 2024 Organic Provision Net Charge- offs Jun 2025 0 10 20 30 40 2024 (dollars in thousands) 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 Total Loans $ 2,661,346 $ 2,668,286 $ 2,718,185 $ 2,747,277 $ 2,764,538 Total nonperforming loans 16,818 18,089 13,598 19,047 23,352 Total special mention loans 6,754 2,415 823 820 1,812 Total substandard loans 32,660 34,677 35,790 36,409 49,811 Total criticized loans $ 39,414 $ 37,092 $ 36,613 $ 37,229 $ 51,623 Nonperforming loans / Total loans 0.63 % 0.68 % 0.50 % 0.69 % 0.84 % Criticized loans / Total loans 1.48 % 1.39 % 1.35 % 1.36 % 1.87 % ALL / Total Loans 1.21 % 1.21 % 1.21 % 1.21 % 1.21 % 20252021 Changes in ALL | 15 2023

1.30 0.77 0.49 0.34 0.31 0.45 0.73 0.75 0.40 0.28 0.14 0.20 0.32 0.47 NPAs / Total Assets Originated NPAs / Total Assets 2019 2020 2021 2022 2023 2024 Jun-25 YTD 0.0% 0.2% 0.4% 0.6% 0.8% 1.0% 1.2% 1.4% 1.6% NPAs / Assets title 0.09 0.12 0.09 0.03 0.00 0.04 0.03 2019 2020 2021 2022 2023 2024 Jun-25 YTD 0.00% 0.05% 0.10% 0.15% Net Charge-offs / YTD Average Loans 63 165 146 267 304 211 131 ALL / NPAs 2019 2020 2021 2022 2023 2024 Jun-25 YTD 0% 50% 100% 150% 200% 250% 300% 350% ALL / NPAs 1.73 1.03 0.83 0.41 0.52 0.76 1.40% 1.32 0.74 0.57 0.32 0.36 0.67 1.16% Past Due Loans / Loans Originated Past Due / Originated Loans 2019 2020 2021 2022 2023 2024 Jun-25 YTD 0.0% 0.5% 1.0% 1.5% 2.0% 2.5% Loans Past Due Credit Quality Trends | 16

Investment Portfolio | 17 (dollars in millions) Book Value Gain/(loss) Eff. Duration MBS $181 $(17) 4.4 Agency CMBS 152 (5) 2.3 Muni 54 (6) 5.6 CMO 15 (1) 2.9 Agency 17 (1) 2.5 Corp 5 — 0.7 Total $425 $(30) 3.6 10 Year Investment Cash Flow 8% 25% 42% 56% 66% 73% 79% 84% 88% 92% Expected Principal Cash Flows (dollars in thousands) Percentage of Cash Flows - Cumulative FYE 2025 FYE 2026 FYE 2027 FYE 2028 FYE 2029 FYE 2030 FYE 2031 FYE 2032 FYE 2033 FYE 2034 $— $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 $80,000 $90,000 —% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% MBS 43% Agency CMBS 36% Muni 13% Agency 4% CMO 3% Corp 1% 11% of total assets 2.5% Q2 yield $30.2 million unrealized loss ~ 7.1% of book value 99.7% AFS $3.8 million MV increase in Q2 $10.9 million decline in book value QoQ

Acadiana 54% New Orleans 14% Houston 11% Northshore 10% Mississippi, 7% Baton Rouge, 4% $ in m illi on s 28% 30% 34% 28% 26% 27% 29% 31% 25% 24% 23% 22% 17% 13% 13% 24% 26% 28% 15% 15% 16% 15% 17% 16% 11% 11% 12% 9% 8% 7% Demand deposits NOW Certificates of deposit Money Market Savings Balance 2020 2021 2022 2023 2024 Jun 2025 2,100 2,400 2,700 3,000 Change (dollars in thousands) 6/30/2024 3/31/2025 6/30/2025 QoQ YoY Demand Deposits $ 746,504 $ 754,955 $ 796,844 $ 41,889 $ 50,340 Savings 218,307 212,053 204,191 (7,862) (14,116) Money Market 427,406 464,659 463,332 (1,327) 35,926 NOW 615,809 641,287 625,793 (15,494) 9,984 CDs 714,889 754,253 818,074 63,821 103,185 Total Deposits $ 2,722,915 $ 2,827,207 $ 2,908,234 $ 81,027 $ 185,319 Deposits (as of June 30, 2025) | 18 $34,759 Average deposit size 27% Non-interest bearing deposit composition 9% Annualized 2025 growth rate

Deposits (as of June 30, 2025) | 19 Retail Business Public Broker Total FDIC Insured 45% 17% —% —% 62% Uninsured (1) 7 17 — — 24 Reciprocal — 4 — — 4 Public Funds — — 7 — 7 Brokered Deposits — — — 3 3 Total 52% 38% 7% 3% 100% Cost of Deposits 0.93 1.20 1.42 1.52 1.63 1.75 1.73 1.68 1.71 2.49 3.40 4.01 4.41 4.58 4.59 4.33 4.00 3.86 1.30 1.84 2.24 2.52 2.69 2.78 2.66 2.51 2.52 Non-maturity deposits Certificates of deposit Total interest-bearing deposits 2Q 2023 3Q 2023 4Q 2023 1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 2Q 2025 0.40 0.80 1.20 1.60 2.00 2.40 2.80 3.20 3.60 4.00 4.40 4.80 (1) Excluding internal accounts, over FDIC limit and not collateralized (2) Total primary funding sources covering uninsured deposits. Funding Availability (in thousands) Q2 2025 FHLB availability $ 1,197,783 Unencumbered investments (book) 67,156 FRB discount window 500 Total primary funding sources $ 1,265,439 Fed fund lines 55,000 Total primary and secondary liquidity $ 1,320,439 Uninsured Deposits(1) Approximately $708 million or 24% of total deposits Coverage of Uninsured Deposits(2) 179%

3.94 3.75 3.69 3.64 3.66 3.71 3.82 3.91 4.04 NIM 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3.40% 3.60% 3.80% 4.00% 4.20% 4.40% NIM (TE) 5.82 5.95 6.08 6.18 6.28 6.43 6.43 6.43 6.50 Loan Yield 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 5.00% 5.50% 6.00% 6.50% 7.00% Yield on Loans 1.91 2.37 2.62 2.79 2.93 3.02 2.87 2.74 2.71 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 0.0% 1.0% 2.0% 3.0% 4.0% Cost of Interest-Bearing Liabilities Yields | 20 4.04% NIM for the quarter ended June 2025 1.84% Cost of total deposits for the quarter ended June 2025 Month Total borrowings decreased $66.5 million for the quarter ended June 2025

Rate Shock 1 Year % Change in NII 200 3.8% 100 2.0% (100) (2.4)% (200) (5.2)% % of assets 2019 2024 Q2 2025 Q2 Cash 2% 3% 3% Investments 12% 12% 11% Loans, excluding PPP 78% 78% 79% Other Assets 8% 7% 7% NMD - noninterest-bearing 20% 22% 23% NMD - interest-bearing 45% 37% 37% CDs 18% 21% 23% Total Deposits 83% 80% 83% Borrowings 2% 6% 3% Subordinated Debt —% 2% 2% Other 1% 1% 1% Equity 14% 11% 11% Loan portfolio effective duration ~ 1.9 (based on management estimates) Cost of 2Q2016 - 3Q2019 3Q2019 - 1Q2022 3Q2022 - 3Q2024 3Q2024 - 2Q2025 Interest-bearing deposits 36% 40% 49% 26% Total deposits 27% 31% 36% 19% Interest-bearing liabilities 33% 40% 53% 31% Funding earning assets 23% 29% 37% 23% Interest Rate Risk Forecasted Change in NII Liability Betas Historical Funding Betas Balance Sheet Composition | 21 Fed Funds Effective Cost of Deposits Cost of Funding Earning Assets Q2- 16 Q4- 16 Q2- 17 Q4- 17 Q2- 18 Q4- 18 Q2- 19 Q4- 19 Q2- 20 Q4- 20 Q2- 21 Q4- 21 Q2- 22 Q4- 22 Q2- 23 Q4- 23 Q2- 24 Q4- 24 Q2- 25 —% 1.00% 2.00% 3.00% 4.00% 5.00% Investment Portfolio effective duration = 3.6 42% of loan portfolio is variable

0.62 0.57 0.54 0.44 0.46 0.43 0.45 2019 2020 2021 2022 2023 2024 Jun-25 YTD 0.40% 0.45% 0.50% 0.55% 0.60% 0.65% Noninterest Income(1) / Assets 2.87 2.53 2.41 2.51 2.52 2.58 2.57 2019 2020 2021 2022 2023 2024 Jun-25 YTD 2.00% 2.50% 3.00% 3.50% Noninterest Expense(1) / Assets (1) Excludes non-core items. See appendix for reconciliation of non-GAAP items. (dollars in thousands) 2Q 2024 3Q 2024 4Q 2024 1Q 2025 2Q 2025 Service fees and charges $ 1,239 $ 1,291 $ 1,334 $ 1,309 $ 1,345 Bank card fees 1,751 1,613 1,586 1,578 1,750 Gain on sale of loans 126 195 62 377 114 Loss on sale of assets, net (2) (10) 39 9 (2) Other 641 603 608 736 509 Total noninterest income $ 3,755 $ 3,692 $ 3,629 $ 4,009 $ 3,716 (dollars in thousands) 2Q 2024 3Q 2024 4Q 2024 1Q 2025 2Q 2025 Compensation $ 12,788 $ 13,058 $ 13,314 $ 12,652 $ 13,322 Data processing 2,555 2,646 2,526 2,642 2,628 Occupancy 2,603 2,732 2,342 2,561 2,513 Provision (reversal) for unfunded (134) — 240 — (970) Other 3,996 3,822 3,933 3,724 4,914 Total noninterest expense $ 21,808 $ 22,258 $ 22,355 $ 21,579 $ 22,407 Noninterest expense excl. provision for unfunded $ 21,942 $ 22,258 $ 22,115 $ 21,579 $ 23,377 Noninterest Income & Expense | 22

0.84 0.88 0.91 0.93 1.00 1.01 0.83 0.20 0.22 0.22 0.23 0.25 0.25 0.27 0.21 0.22 0.23 0.23 0.25 0.25 0.27 0.21 0.22 0.23 0.23 0.25 0.25 0.290.22 0.22 0.23 0.24 0.25 0.26 Q1 Q2 Q3 Q4 2019 2020 2021 2022 2023 2024 2025 0.00 0.50 1.00 1.50 Dividends Per Share 27.22 29.60 34.00 29.57 29.20 34.45 38.44 41.54 Tangible book value 2019 2020 2021 March 2022 2022 2023 2024 June 2025 20 25 30 35 40 Tangible Book Value Share Repurchase Activity Year # Shares Average Price Cash Utilized 2019 419,498 $ 36.82 $ 15,444,895 2020 530,504 26.41 14,011,605 2021 246,012 36.18 8,900,409 2022 288,350 39.30 11,333,399 2023 164,272 32.01 5,257,822 2024 124,634 37.79 4,710,202 2025 (as of 7/18/2025) 320,740 44.26 14,197,215 Total 2,094,010 $ 35.27 $ 73,855,547 Capital | 23 391,072 shares remaining in current plan as of July 18, 2025 New Share Repurchase Plan approved 400,000 shares 17% Shares repurchased since 2019 8.0% CAGR TBV / share since 2019 Cash acquisition - Texan Bank Cash dividend of 0.29 per share payable on August 15, 2025 *payable in August 2025 *

9.8 10.4 11.0 11.4 11.5 11.5 14.7 12.4 13.0 13.3 13.3 13.4 15.9 13.6 14.2 14.5 14.6 14.7 Tier 1 leverage capital Common equity tier 1 Total risk-based capital 2021 2022 2023 2024 1Q 2025 2Q 2025 0% 5% 10% 15% 20% Capital Ratios (Bank only) Capital | 24 Home Bank, N.A. Home Bancorp, Inc. As Reported Including AOCI (1) As Reported Including AOCI (1) Common Equity Tier 1 capital 13.4% 12.7% 12.0% 11.2% Tier 1 risk based capital 13.4% 12.7% 12.0% 11.2% Total risk based capital 14.7% 13.9% 15.1% 14.3% Tier 1 leverage capital 11.5% 10.8% 10.2% 9.6% (1) Assumes AOCI adjustments related to market valuations on securities and interest rate derivatives are included for regulatory capital calculations. Regulatory Capital and Adjusted Capital as of June 30, 2025

Investment Perspective | 25

| 26

1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 2Q 2025 Total shareholders' equity $ 372,285 $ 375,830 $ 393,453 $ 396,088 $ 402,831 $ 408,818 Less: intangible assets 86,019 85,690 85,361 85,044 84,751 84,482 Non-GAAP tangible shareholders' equity $ 286,266 $ 290,140 $ 308,092 $ 311,044 $ 318,080 $ 324,336 Reported net income $ 9,199 $ 8,118 $ 9,437 $ 9,673 $ 10,964 $ 11,330 Add: amortization CDI, net tax 279 261 259 250 231 213 Non-GAAP tangible net income $ 9,478 $ 8,379 $ 9,696 $ 9,923 $ 11,195 $ 11,543 Return on average equity 10.0 % 8.8 % 9.8 % 9.7 % 11.0 % 11.2 % Add: intangible assets 3.4 2.9 3.1 3.0 3.3 3.3 Non-GAAP return on tangible common equity 13.4 % 11.7 % 12.9 % 12.7 % 14.3 % 14.5 % Book value per share $ 45.73 $ 46.51 $ 48.75 $ 48.95 $ 50.82 $ 52.36 Less: intangible assets 10.56 10.61 10.58 10.51 10.69 10.82 Non-GAAP tangible book value per share $ 35.17 $ 35.90 $ 38.17 $ 38.44 $ 40.13 $ 41.54 Reported net income $ 9,199 $ 8,118 $ 9,437 $ 9,673 $ 10,964 $ 11,330 Less: PPP loan income 22 20 35 12 17 2 Less: gain (loss) on sale of assets 6 (2) (10) 39 9 (2) Less: loan discount accretion 525 490 452 421 356 356 Add: provision for loan losses 141 1,261 140 873 394 489 Add: provision (reversal) for credit losses on unfunded commitments — (134) — 240 — (970) Add: CDI amortization 353 330 328 317 293 269 Total non-core items, net of taxes (47) 750 (7) 757 241 (449) Core pre-provision net income (1) $ 9,152 $ 8,868 $ 9,430 $ 10,430 $ 11,205 $ 10,881 Appendix (non-GAAP reconciliation) | 27 (dollars in thousands, except per share data) (1) Core pre-provision net income - removes the impact of one time items, PPP income, provision for credit losses, loan discount accretion and CDI.

2019 2020 2021 2022 2023 2024 Jun-25 YTD Total shareholders' equity $ 316,329 $ 321,842 $ 351,903 $ 329,954 $ 367,444 $ 396,088 $ 408,818 Less: intangible assets 64,472 63,112 61,949 87,973 86,372 85,044 84,482 Non-GAAP tangible shareholders' equity $ 251,857 $ 258,730 $ 289,954 $ 241,981 $ 281,072 $ 311,044 $ 324,336 Reported net income $ 27,932 $ 24,765 $ 48,621 $ 34,072 $ 40,240 $ 36,427 $ 22,294 Add: amortization CDI, net tax 1,251 1,074 919 1,266 1,264 1,049 444 Non-GAAP tangible income $ 29,183 $ 25,839 $ 49,540 $ 35,338 $ 41,504 $ 37,476 $ 22,738 Return on average equity 9.0 % 7.8 % 14.4 % 10.2 % 11.6 % 9.6 % 11.1 % Add: intangible assets 2.8 2.4 3.6 3.7 4.4 3.1 3.3 Non-GAAP return on tangible common equity 11.8 % 10.2 % 18.0 % 13.9 % 16.0 % 12.7 % 14.4 % Originated loans $ 1,251,201 $ 1,625,139 $ 1,593,769 $ 1,961,425 $ 2,169,500 $ 2,354,927 $ 2,428,668 Acquired loans 463,160 354,815 246,324 469,325 412,138 363,258 335,870 Total loans $ 1,714,361 $ 1,979,954 $ 1,840,093 $ 2,430,750 $ 2,581,638 $ 2,718,185 $ 2,764,538 Originated NPAs $ 16,421 $ 10,353 $ 8,348 $ 4,489 $ 6,518 $ 10,970 $ 16,323 Acquired NPAs 12,121 9,628 6,116 6,487 3,871 4,638 9,106 Total NPAs $ 28,542 $ 19,981 $ 14,464 $ 10,976 $ 10,389 $ 15,608 $ 25,429 Originated past due loans $ 16,541 $ 12,070 $ 9,071 $ 6,215 $ 7,864 $ 15,681 $ 28,178 Acquired past due loans 13,098 8,335 6,146 3,683 5,569 4,920 10,467 Total past due loans $ 29,639 $ 20,405 $ 15,217 $ 9,898 $ 13,433 $ 20,601 $ 38,645 Average assets $ 2,198,483 $ 2,491,612 $ 2,765,878 $ 3,178,862 $ 3,262,820 $ 3,386,721 $ 3,462,187 Less: average PPP loans — 169,665 169,149 15,691 5,997 4,436 822 Average assets excluding PPP loans $ 2,198,483 $ 2,321,947 $ 2,596,729 $ 3,163,171 $ 3,256,823 $ 3,382,285 $ 3,461,365 Appendix (non-GAAP reconciliation) | 28 (dollars in thousands)

2019 2020 2021 2022 2023 2024 Jun-25 YTD Reported noninterest income $ 14,415 $ 14,305 $ 16,271 $ 13,885 $ 14,636 $ 14,625 $ 7,725 Less: BOLI benefit 1,194 — 1,717 — — — — Less: gain (loss) on sale of securities — — — — (249) — — Less: gain (loss) on sale of assets (347) — (504) 26 (27) 33 7 Non-GAAP noninterest income $ 13,568 $ 14,305 $ 15,058 $ 13,859 $ 14,912 $ 14,592 $ 7,718 Reported noninterest expense $ 63,605 $ 62,981 $ 66,982 $ 81,909 $ 82,841 $ 87,289 $ 43,986 Less: lease termination 291 — — — — — — Less: severance pay 287 — — — — — — Less: one-time foreclosed asset recovery — — — — 739 — — Less: merger-related expenses — — 299 1,971 — — — Non-GAAP noninterest expense $ 63,027 $ 62,981 $ 66,683 $ 79,938 $ 82,102 $ 87,289 $ 43,986 Reported net income $ 27,932 $ 24,765 $ 48,621 $ 34,072 $ 40,240 $ 36,427 $ 22,294 Less: PPP loan income — 5,895 13,208 1,359 95 89 19 Less: Write of FDIC loss share receivable (680) — — — — — — Less: BOLI benefit 1,194 — 1,717 — — — — Less: gain (loss) on sale of assets (347) — (504) 26 (27) 33 7 Less: gain (loss) on sale of securities — — — — (249) — — Less: loan discount accretion 3,503 4,097 2,361 2,933 2,532 1,888 712 Add: provision (reversal) for loan losses 3,014 12,728 (10,161) 7,489 2,341 2,415 883 Add: provision for credit losses on unfunded commitments — — 390 278 501 106 (970) Add: CDI amortization 1,583 1,360 1,163 1,602 1,601 1,328 562 Add: lease termination 291 — — — — — — Add: severance pay 287 — — — — — — Add: one-time foreclosed asset recovery — — — — (739) — — Add: merger-related expenses — — 299 1,971 — — — Non-core items, net of taxes 1,189 3,236 (19,822) 5,547 1,069 1,453 (208) Core pre-provision net income (1) $ 29,121 $ 28,001 $ 28,799 $ 39,619 $ 41,309 $ 37,880 $ 22,086 (1) Core pre-provision net income - removes the impact of one time items, PPP income, provision for credit losses, loan discount accretion and CDI. Appendix (non-GAAP reconciliation) | 29 (dollars in thousands)

2019 2020 2021 1Q2022 2022 2023 2024 1Q2025 2Q2025 Total shareholders' equity $ 316,329 $ 321,842 $ 351,903 $ 337,504 $ 329,954 $ 367,444 $ 396,088 $ 402,831 $ 408,818 Less: intangible assets 64,472 63,112 61,949 87,569 87,973 86,372 85,044 84,751 84,482 Non-GAAP tangible shareholders' equity $ 251,857 $ 258,730 $ 289,954 $ 249,935 $ 241,981 $ 281,072 $ 311,044 $ 318,080 $ 324,336 Shares Outstanding 9,252,418 8,740,104 8,526,907 8,453,014 8,286,084 8,158,281 8,091,522 7,926,331 7,808,421 Book value per share $ 34.19 $ 36.82 $ 41.27 $ 39.93 $ 39.82 $ 45.04 $ 48.95 $ 50.82 $ 52.36 Less: intangible assets 6.97 7.22 7.27 10.36 10.62 10.59 10.51 10.69 10.82 Non-GAAP tangible book value per share $ 27.22 $ 29.60 $ 34.00 $ 29.57 $ 29.20 $ 34.45 $ 38.44 $ 40.13 $ 41.54 Appendix (non-GAAP reconciliation) | 30 (dollars in thousands except for per share data)