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)			April 20, 2026


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 April 20, 2026, the Registrant announced its results of operations for the quarter ended March 31, 2026. 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 April 20, 2026, 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 April 20, 2026, the Registrant announced that its Board of Directors declared a quarterly cash dividend on shares of its common stock of $0.31 per share. The cash dividend will be paid on May 15, 2026 to shareholders of record at the close of business on May 4, 2026.


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 April 20, 20 26
99.2						Home Bancorp, Inc. Investor Presentation - Q1 2026 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: April 20, 2026	By:	/s/ John W. Bordelon
		John W. Bordelon
		Chairman of the Board, President and Chief Executive Officer

EX-99.1 2 a2026q1earningsrelease.htm EX-99.1 Document

For further information contact:

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

(337) 237-1960


Release Date:			April 20, 2026
			For Immediate Release

HOME BANCORP, INC. ANNOUNCES 2026 FIRST QUARTER RESULTS

AND DECLARES A QUARTERLY DIVIDEND

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 first quarter of 2026. For the quarter, the Company reported net income of $11.4 million, or $1.45 per diluted common share (“diluted EPS”), down $51,000 from $11.4 million, or $1.46 diluted EPS, for the fourth quarter of 2025.

“In March 2026, we opened our newest full-service location in Tomball, TX,” said John W. Bordelon, President and Chief Executive Officer of the Company and the Bank. "We are pleased with our financial results for the first quarter. While loan production remained down during the quarter, deposit growth increased and reduced our loan to deposit ratio to 90%. Financial metrics remained strong with ROA increasing to 1.30% and a ten-basis point NIM expansion to 4.16% for the quarter. Credit metrics reflect an increase in nonperforming and criticized loans during the quarter, but we do not anticipate material losses. We remain focused on proactively identifying and resolving problem loans as quickly as possible. We are confident that our teams have the ability to broaden meaningful relationships with our customers across all our markets throughout the remainder of the year."

First Quarter 2026 Highlights

Loans totaled $2.7 billion at March 31, 2026, down $15.9 million, or 0.6% (a decrease of 2% on an annualized basis), from December 31, 2025.

•Deposits totaled $3.0 billion at March 31, 2026, up $54.0 million, or 1.8% (an increase of 7% on an annualized basis), from December 31, 2025. Core deposits increased $118.1 million, or 5.4% (an increase of 22% on an annualized basis), during the first quarter of 2026 to $2.3 billion.

Net interest income in the first quarter of 2026 totaled $34.5 million, up $434,000, or 1%, from the prior quarter.

•The net interest margin ("NIM") was 4.16% in the first quarter of 2026 compared to 4.06% in the fourth quarter of 2025, primarily due to lower funding cost.

•Nonperforming assets totaled $39.9 million, or 1.12% of total assets, at March 31, 2026 compared to $36.1 million, or 1.03% of total assets, at December 31, 2025. This increase in nonperforming assets is primarily due to multiple loan relationships (with the largest relationship totaling $1.4 million) which were moved to nonaccrual status, partially offset by paydowns in the first quarter of 2026.

•The Company recorded a $922,000 provision to the allowance for loan losses in the first quarter of 2026, compared to a $480,000 provision in the fourth quarter of 2025, primarily due to an increase in individually analyzed loan reserves, offset by loan reduction.

Loans

Loans totaled $2.7 billion at March 31, 2026, down $15.9 million, or 0.6%, from December 31, 2025. The following table summarizes the changes in the Company’s loan portfolio, net of unearned income, from December 31, 2025 through March 31, 2026.


(dollars in thousands)	3/31/2026		12/31/2025		Increase (Decrease)
Real estate loans:
One- to four-family first mortgage	$	476,079	$	493,446	$	(17,367)	(4)	%
Home equity loans and lines	91,550		92,574		(1,024)		(1)
Commercial real estate	1,182,501		1,190,388		(7,887)		(1)
Construction and land	340,057		329,227		10,830		3
Multi-family residential	179,982		177,825		2,157		1
Total real estate loans	2,270,169		2,283,460		(13,291)		(1)
Other loans:
Commercial and industrial	428,075		430,517		(2,442)		(1)
Consumer	29,902		30,046		(144)		—
Total other loans	457,977		460,563		(2,586)		(1)
Total loans	$	2,728,146	$	2,744,023	$	(15,877)	(1)	%

The average loan yield was 6.41% for the first quarter of 2026, down 3 basis points from the fourth quarter of 2025. The decrease on loan yields was driven by Federal Reserve rate cuts in mid-December 2025, which impacted the full quarter in 2026. We experienced a slow down in loan production, resulting in loan reduction across most of our markets during the first quarter of 2026.

Credit Quality and Allowance for Credit Losses

Nonperforming assets (“NPAs”) totaled $39.9 million, or 1.12% of total assets, at March 31, 2026, up $3.8 million, or 11%, from $36.1 million, or 1.03% of total assets, at December 31, 2025. The increase in NPAs during the first quarter of 2026 was primarily due to multiple loan relationships (with the largest relationship totaling $1.4 million) which were put on nonaccrual during the quarter, offset by payoffs and paydowns. During the first quarter of 2026, the Company recorded net loan charge-offs of $384,000, compared to net loan charge-offs of $165,000 during the fourth quarter of 2025.

The Company provisioned $922,000 to the allowance for loan losses in the first quarter of 2026. At March 31, 2026, the allowance for loan losses totaled $33.7 million, or 1.23% of total loans, compared to $33.1 million, or 1.21% of total loans, at December 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 March 31, 2026 and December 31, 2025.


	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		—		41		29,902
Total		$	2,655,498	$	11,148	$	61,500	$	2,728,146

	December 31, 2025
(dollars in thousands)		Pass		Special Mention		Substandard		Total
One- to four-family first mortgage		$	486,453	$	—	$	6,993	$	493,446
Home equity loans and lines		91,232		811		531		92,574
Commercial real estate		1,155,097		2,947		32,344		1,190,388
Construction and land		312,994		866		15,367		329,227
Multi-family residential		176,227		—		1,598		177,825
Commercial and industrial		426,265		—		4,252		430,517
Consumer		30,000		—		46		30,046
Total		$	2,678,268	$	4,624	$	61,131	$	2,744,023

Investment Securities

The Company's investment securities portfolio totaled $386.3 million at March 31, 2026, a decrease of $6.3 million, or 2%, from December 31, 2025. At March 31, 2026, the Company had a net unrealized loss position on its investment securities of $24.0 million, compared to a net unrealized loss of $23.4 million at December 31, 2025. The Company’s investment securities portfolio had an effective duration of 3.4 years and 3.3 years at March 31, 2026 and December 31, 2025, respectively. During the first quarter of 2026, the Company made securities purchases of $21.5 million, compared to $14.4 million during the fourth quarter of 2025. The Company had no securities sales during the first quarter of 2026 and fourth quarter of 2025.

The following table summarizes the composition of the Company's investment securities portfolio at March 31, 2026.


(dollars in thousands)	Amortized Cost		Fair Value
Available for sale:
U.S. agency mortgage-backed	$	291,125	$	273,740
Collateralized mortgage obligations	51,705		50,738
Municipal bonds	52,911		47,765
U.S. government agency	10,475		9,986
Corporate bonds	3,500		3,500
Total available for sale	$	409,716	$	385,729
Held to maturity:
Municipal bonds	$	530	$	531
Total held to maturity	$	530	$	531

Approximately 36% of the investment securities portfolio was pledged as of March 31, 2026 to secure public deposits. The Company had $139.9 million and $140.1 million of securities pledged to secure public deposits at March 31, 2026 and December 31, 2025, respectively.

Deposits

Total deposits were $3.0 billion at March 31, 2026, up $54.0 million, or 2%, from December 31, 2025. Core deposits or non-maturity deposits increased $118.1 million, or 5%, during the first quarter of 2026 to $2.3 billion. The following table summarizes the changes in the Company’s deposits from December 31, 2025 to March 31, 2026.


(dollars in thousands)	3/31/2026		12/31/2025		Increase (Decrease)
Demand deposits	$	830,030	$	792,951	$	37,079	5	%
Savings	202,058		201,265		793		—
Money market	543,120		518,740		24,380		5
NOW	710,071		654,227		55,844		9
Certificates of deposit	741,502		805,623		(64,121)		(8)
Total deposits	$	3,026,781	$	2,972,806	$	53,975	2	%

The average rate on interest-bearing deposits decreased 22 basis points from 2.51% for the fourth quarter of 2025 to 2.29% for the first quarter of 2026. At March 31, 2026, certificates of deposit maturing within the next 12 months totaled $715.3 million, or 96%, of total certificates of deposit.

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.


	March 31, 2026	December 31, 2025
Individuals	50%	52%
Small businesses	39	39
Public funds	8	6
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 $919.7 million at March 31, 2026 and $885.4 million at December 31, 2025. Public funds in excess of the FDIC insurance limits are fully collateralized.

Net Interest Income

NIM increased 10 basis points from 4.06% for the fourth quarter of 2025 to 4.16% for the first quarter of 2026, primarily due to lower funding cost for average interest-bearing liabilities.

The average cost of interest-bearing deposits decreased by 22 basis points in the first quarter of 2026 compared to the fourth quarter of 2025, primarily due to the lower funding cost. The decrease in funding costs was primarily due to a shift in the mix of average balance of interest-bearing deposits.

Average other interest-earning assets were $168.7 million for the first quarter of 2026, up $5.7 million, or 3%, from the fourth quarter of 2025, primarily due to an increase in the average balance of cash and cash equivalents. The average yield on other interest-earning assets (primarily funds held at the Federal Reserve) decreased 48 basis points in the first quarter of 2026 compared to the fourth quarter of 2025 due to lower interest rates during the quarter.

Average FHLB advances were $1.9 million for the first quarter of 2026, a decrease of $1.1 million, or 37%, from the fourth quarter of 2025 due to paydowns of FHLB advances.

Loan accretion income from acquired loans totaled $189,000 for the first quarter of 2026, down $53,000, or 22%, from the fourth quarter of 2025.

Noninterest Income

Noninterest income for the first quarter of 2026 totaled $3.7 million, down $260,000, or 7%, from the fourth quarter of 2025. The decrease was related primarily to decreases in other income (down $234,000) and bank card fees (down $30,000), which were partially offset by an increase in gain on sale of loans (up $5,000) for the first quarter of 2026 compared to the fourth quarter of 2025.

Noninterest Expense

Noninterest expense for the first quarter of 2026 totaled $22.9 million, down $106,000, or less than 1%, from the fourth quarter of 2025. The decrease was primarily related to decreases in compensation and benefits expense (down $260,000) and franchise and shares tax expense (down $94,000), which were partially offset by the absence of a reversal to the allowance for credit losses on unfunded commitments ($105,000), increases in other expenses (up $102,000) and data processing and communications expense (up $81,000) during the first quarter of 2026.

Capital

At March 31, 2026, shareholders’ equity totaled $444.4 million, up $9.3 million, or 2%, compared to $435.1 million at December 31, 2025. The increase was primarily due to the Company’s earnings of $11.4 million, which was partially offset by an increase in the accumulated other comprehensive loss on available for sale investment securities during the first quarter of 2026 and shareholder dividends. Preliminary Tier 1 leverage capital and total risk-based capital ratios were 12.11% and 15.65%, respectively, at March 31, 2026, compared to 11.84% and 15.29%, respectively, at December 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 $0.31 per share payable on May 15, 2026, to shareholders of record as of May 4, 2026.

The Company repurchased 4,332 shares of its common stock during the first quarter of 2026 at an average price per share of $58.00. An additional 385,890 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 $56.73 and $46.04, respectively, at March 31, 2026.

Conference Call

Executive management will host a conference call to discuss first quarter 2026 results on Tuesday, April 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)	3/31/2026			12/31/2025			9/30/2025			6/30/2025			3/31/2025
Reported net income	$	11,360		$	11,411		$	12,357		$	11,330		$	10,964
Add: Core deposit intangible amortization, net tax	185			203			212			213			231
Non-GAAP tangible income	$	11,545		$	11,614		$	12,569		$	11,543		$	11,195
































Total assets	$	3,554,643		$	3,492,626		$	3,494,074		$	3,491,455		$	3,485,453
Less: Intangible assets	83,723			83,957			84,214			84,482			84,751
Non-GAAP tangible assets	$	3,470,920		$	3,408,669		$	3,409,860		$	3,406,973		$	3,400,702

Total shareholders’ equity	$	444,410		$	435,094		$	423,044		$	408,818		$	402,831
Less: Intangible assets	83,723			83,957			84,214			84,482			84,751
Non-GAAP tangible shareholders’ equity	$	360,687		$	351,137		$	338,830		$	324,336		$	318,080

















Return on average equity	10.41		%	10.52		%	11.78		%	11.24		%	11.02		%
Add: Average intangible assets	2.64			2.79			3.24			3.24			3.23
Non-GAAP return on average tangible common equity	13.05		%	13.31		%	15.02		%	14.48		%	14.25		%

Common equity ratio	12.50		%	12.46		%	12.11		%	11.71		%	11.56		%
Less: Intangible assets	2.11			2.16			2.17			2.19			2.21
Non-GAAP tangible common equity ratio	10.39		%	10.30		%	9.94		%	9.52		%	9.35		%

Book value per share	$	56.73		$	55.56		$	54.05		$	52.36		$	50.82
Less: Intangible assets	10.69			10.72			10.76			10.82			10.69
Non-GAAP tangible book value per share	$	46.04		$	44.84		$	43.29		$	41.54		$	40.13

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)	3/31/2026		12/31/2025		9/30/2025		6/30/2025		3/31/2025
Assets
Cash and cash equivalents	$	223,484	$	141,605	$	189,324	$	112,595	$	110,662

Investment securities available for sale, at fair value	385,729		391,448		383,340		393,462		400,553
Investment securities held to maturity	530		1,065		1,065		1,065		1,065
Mortgage loans held for sale	1,558		1,558		1,932		1,305		1,855
Loans, net of unearned income	2,728,146		2,744,023		2,705,895		2,764,538		2,747,277
Allowance for loan losses	(33,680)		(33,142)		(32,827)		(33,432)		(33,278)
Total loans, net of allowance for loan losses	2,694,466		2,710,881		2,673,068		2,731,106		2,713,999
Office properties and equipment, net	50,502		48,995		45,223		45,216		45,327
Cash surrender value of bank-owned life insurance	49,842		49,557		49,269		48,981		48,699
Goodwill and core deposit intangibles	83,723		83,957		84,214		84,482		84,751
Accrued interest receivable and other assets	64,809		63,560		66,639		73,243		78,542
Total Assets	$	3,554,643	$	3,492,626	$	3,494,074	$	3,491,455	$	3,485,453

Liabilities
Deposits	$	3,026,781	$	2,972,806	$	2,975,503	$	2,908,234	$	2,827,207
Other Borrowings	—		—		5,539		5,539		5,539
Subordinated debt, net of issuance cost	54,729		54,675		54,621		54,567		54,513
Federal Home Loan Bank advances	—		3,024		3,059		88,196		163,259
Accrued interest payable and other liabilities	28,723		27,027		32,308		26,101		32,104
Total Liabilities	3,110,233		3,057,532		3,071,030		3,082,637		3,082,622

Shareholders' Equity
Common stock	78		78		78		78		79
Additional paid-in capital	169,995		168,963		168,016		166,576		167,231
Common stock acquired by benefit plans	(893)		(982)		(1,071)		(1,160)		(1,250)
Retained earnings	293,554		284,834		275,912		265,817		261,856
Accumulated other comprehensive loss	(18,324)		(17,799)		(19,891)		(22,493)		(25,085)
Total Shareholders' Equity	444,410		435,094		423,044		408,818		402,831
Total Liabilities and Shareholders' Equity	$	3,554,643	$	3,492,626	$	3,494,074	$	3,491,455	$	3,485,453


HOME BANCORP, INC. AND SUBSIDIARY
CONDENSED STATEMENTS OF INCOME
(Unaudited)
	Three Months Ended
(dollars in thousands, except per share data)	3/31/2026		12/31/2025		3/31/2025
Interest Income
Loans, including fees	$	43,717	$	44,548	$	44,032
Investment securities	2,560		2,530		2,664
Other investments and deposits	1,463		1,642		505
Total interest income	47,740		48,720		47,201
Interest Expense
Deposits	12,406		13,808		12,622
Other borrowings	—		8		53
Subordinated debt expense	845		845		845
Federal Home Loan Bank advances	7		11		1,932
Total interest expense	13,258		14,672		15,452
Net interest income	34,482		34,048		31,749
Provision for loan losses	922		480		394
Net interest income after provision for loan losses	33,560		33,568		31,355
Noninterest Income
Service fees and charges	1,437		1,438		1,309
Bank card fees	1,594		1,624		1,578
Gain on sale of loans, net	230		225		377
Income from bank-owned life insurance	285		289		278

(Loss) gain on sale of assets, net	—		(4)		9
Other income	192		426		458
Total noninterest income	3,738		3,998		4,009
Noninterest Expense
Compensation and benefits	13,714		13,974		12,652
Occupancy	2,429		2,406		2,561
Marketing and advertising	494		560		429
Data processing and communication	2,629		2,548		2,642
Professional fees	401		401		405
Forms, printing and supplies	219		224		200
Franchise and shares tax	340		434		476
Regulatory fees	462		431		516
Foreclosed assets, net	54		54		227
Amortization of acquisition intangible	234		257		293
Reversal for credit losses on unfunded commitments	—		(105)		—
Other expenses	1,964		1,862		1,178
Total noninterest expense	22,940		23,046		21,579
Income before income tax expense	14,358		14,520		13,785
Income tax expense	2,998		3,109		2,821
Net income	$	11,360	$	11,411	$	10,964

Earnings per share - basic	$	1.47	$	1.48	$	1.38

Earnings per share - diluted	$	1.45	$	1.46	$	1.37

Cash dividends declared per common share	$	0.31	$	0.31	$	0.27


HOME BANCORP, INC. AND SUBSIDIARY
SUMMARY FINANCIAL INFORMATION
(Unaudited)
	Three Months Ended
(dollars in thousands, except per share data)	3/31/2026			12/31/2025			3/31/2025
EARNINGS DATA
Total interest income	$	47,740		$	48,720		$	47,201
Total interest expense	13,258			14,672			15,452
Net interest income	34,482			34,048			31,749
Provision for loan losses	922			480			394
Total noninterest income	3,738			3,998			4,009
Total noninterest expense	22,940			23,046			21,579
Income tax expense	2,998			3,109			2,821
Net income	$	11,360		$	11,411		$	10,964

AVERAGE BALANCE SHEET DATA
Total assets	$	3,532,181		$	3,501,957		$	3,449,472
Total interest-earning assets	3,310,674			3,288,830			3,240,619
Total loans	2,734,651			2,716,382			2,745,212

Total interest-bearing deposits	2,196,539			2,183,431			2,038,681
Total interest-bearing liabilities	2,253,149			2,241,895			2,279,363
Total deposits	3,002,477			2,977,273			2,772,295
Total shareholders' equity	442,610			430,198			403,504

PER SHARE DATA
Earnings per share - basic	$	1.47		$	1.48		$	1.38
Earnings per share - diluted	1.45			1.46			1.37
Book value at period end	56.73			55.56			50.82
Tangible book value at period end	46.04			44.84			40.13
Shares outstanding at period end	7,833,804			7,831,342			7,926,331
Weighted average shares outstanding
Basic	7,740,765			7,726,157			7,949,477
Diluted	7,826,764			7,795,826			8,026,815

SELECTED RATIOS (1)
Return on average assets	1.30		%	1.29		%	1.29		%
Return on average equity	10.41			10.52			11.02
Common equity ratio	12.50			12.46			11.56
Efficiency ratio (2)	60.02			60.57			60.35
Average equity to average assets	12.53			12.28			11.70
Tier 1 leverage capital ratio (3)	12.11			11.84			11.48
Total risk-based capital ratio (3)	15.65			15.29			14.58
Net interest margin (4)	4.16			4.06			3.91

SELECTED NON-GAAP RATIOS (1)
Tangible common equity ratio (5)	10.39		%	10.30		%	9.35		%
Return on average tangible common equity (6)	13.05			13.31			14.25

(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
	3/31/2026						12/31/2025						3/31/2025
(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	$	2,734,651	$	43,717	6.41	%	$	2,716,382	$	44,548	6.44	%	$	2,745,212	$	44,032	6.43	%
Investment securities (TE)(1)	407,308		2,560		2.53		409,391		2,530		2.49		439,556		2,664		2.44
Other interest-earning assets	168,715		1,463		3.52		163,057		1,642		4.00		55,851		505		3.67
Total interest-earning assets	$	3,310,674	$	47,740	5.78	%	$	3,288,830	$	48,720	5.83	%	$	3,240,619	$	47,201	5.84	%
Interest-bearing liabilities:
Deposits:
Savings, checking, and money market	$	1,431,639	$	5,809	1.65	%	$	1,359,342	$	5,860	1.71	%	$	1,306,602	$	5,401	1.68	%
Certificates of deposit	764,900		6,597		3.50		824,089		7,948		3.83		732,079		7,221		4.00
Total interest-bearing deposits	2,196,539		12,406		2.29		2,183,431		13,808		2.51		2,038,681		12,622		2.51
Other borrowings	—		—		—		783		8		4.19		5,539		53		3.89
Subordinated debt	54,702		845		6.18		54,647		845		6.18		54,485		845		6.20
FHLB advances	1,908		7		1.49		3,034		11		1.52		180,658		1,932		4.28
Total interest-bearing liabilities	$	2,253,149	$	13,258	2.38	%	$	2,241,895	$	14,672	2.60	%	$	2,279,363	$	15,452	2.74	%
Noninterest-bearing deposits	$	805,938					$	793,842					$	733,613
Net interest spread (TE)(1)					3.40	%					3.23	%					3.10	%
Net interest margin (TE)(1)					4.16	%					4.06	%					3.91	%

(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
	3/31/2026			12/31/2025			9/30/2025			6/30/2025			3/31/2025
CREDIT QUALITY (1)
Nonaccrual loans:
One- to four-family first mortgage	$	8,337		$	6,531		$	6,402		$	6,272		$	6,368
Home equity loans and lines	542			531			1,008			1,033			372
Commercial real estate	10,837			9,011			10,016			7,669			4,349
Construction and land	12,812			15,367			9,847			6,103			5,584
Multi-family residential	1,281			1,281			973			916			930
Commercial and industrial	1,945			1,344			1,161			1,312			1,206
Consumer	41			46			60			35			161
Total nonaccrual loans	$	35,795		$	34,111		$	29,467		$	23,340		$	18,970
Accruing loans 90 days or more past due	14			65			55			12			77
Total nonperforming loans	35,809			34,176			29,522			23,352			19,047
Foreclosed assets and ORE	4,093			1,929			1,384			2,077			2,424
Total nonperforming assets	$	39,902		$	36,105		$	30,906		$	25,429		$	21,471

Nonperforming assets to total assets	1.12		%	1.03		%	0.88		%	0.73		%	0.62		%
Nonperforming loans to total assets	1.01			0.98			0.84			0.67			0.55
Nonperforming loans to total loans	1.31			1.25			1.09			0.84			0.69

ALLOWANCE FOR CREDIT LOSSES
Allowance for loan losses:
Beginning balance	$	33,142		$	32,827		$	33,432		$	33,278		$	32,916
(Reversal) provision for loan losses	922			480			(229)			489			394
Charge-offs	(413)			(189)			(488)			(460)			(226)
Recoveries	29			24			112			125			194
Net charge-offs	(384)			(165)			(376)			(335)			(32)
Ending balance	$	33,680		$	33,142		$	32,827		$	33,432		$	33,278

Reserve for unfunded lending commitments(2)
Beginning balance	$	1,625		$	1,730		$	1,730		$	2,700		$	2,700
(Reversal) provision for losses on unfunded lending commitments	—			(105)			—			(970)			—
Ending balance	$	1,625		$	1,625		$	1,730		$	1,730		$	2,700
Total allowance for credit losses	35,305			34,767			34,557			35,162			35,978

Total loans	$	2,728,146		$	2,744,023		$	2,705,895		$	2,764,538		$	2,747,277
Total unfunded commitments	533,398			509,331			509,709			492,306			508,864


HOME BANCORP, INC. AND SUBSIDIARY
SUMMARY CREDIT QUALITY INFORMATION
(Unaudited)
	Three Months Ended
	3/31/2026			12/31/2025			9/30/2025			6/30/2025			3/31/2025

Allowance for loan losses to nonperforming assets	84.41		%	91.79		%	106.22		%	131.47		%	154.99		%
Allowance for loan losses to nonperforming loans	94.05			96.97			111.20			143.17			174.72
Allowance for loan losses to total loans	1.23			1.21			1.21			1.21			1.21
Allowance for credit losses to total loans	1.29			1.27			1.28			1.27			1.31

Year-to-date loan charge-offs	$	(413)		$	(1,363)		$	(1,174)		$	(686)		$	(226)
Year-to-date loan recoveries	29			455			431			319			194
Year-to-date net loan charge-offs	$	(384)		$	(908)		$	(743)		$	(367)		$	(32)
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.

EX-99.2 3 investorpresentationq120.htm EX-99.2 investorpresentationq120

Q1 2026 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, 2025. 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 Highlights: • Total Assets: $3.6 billion at March 31, 2026 • Market Cap: $492 million at April 16, 2026 • Ownership (S&P Global as of April 16, 2026) • Institutional: 50% • Insider/ESOP: 12% | 3 Our Company Total Assets $3.6B Total Loans $2.7B Total Deposits $3.0B

| 4 Our Markets

Quarterly Financial Highlights 4Q 2024 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 Profitability Net income $ 9,673 $ 10,964 $ 11,330 $ 12,357 $ 11,411 $ 11,360 Diluted EPS 1.21 1.37 1.45 1.59 1.46 1.45 Net interest income 31,586 31,749 33,351 34,106 34,048 34,482 Provision (reversal) for loan losses 873 394 489 (229) 480 922 Core pre-provision net income(1) 10,430 11,205 10,881 12,113 11,721 12,124 Net interest margin ("NIM") 3.82 % 3.91 % 4.04 % 4.10 % 4.06 % 4.16 % ROA 1.12 1.29 1.31 1.41 1.29 1.30 ROE 9.7 11.0 11.2 11.8 10.5 10.4 ROATCE(1) 12.7 14.3 14.5 15.0 13.3 13.1 Efficiency ratio 63.5 60.4 60.5 59.5 60.6 60.0 Balance Sheet Assets $ 3,443,668 $ 3,485,453 $ 3,491,455 $ 3,494,074 $ 3,492,626 $ 3,554,643 Loans 2,718,185 2,747,277 2,764,538 2,705,895 2,744,023 2,728,146 Total deposits 2,780,696 2,827,207 2,908,234 2,975,503 2,972,806 3,026,781 Allowance/total loan ratio 1.21 % 1.21 % 1.21 % 1.21 % 1.21 % 1.23 % TCE Ratio 9.3 9.4 9.5 9.9 10.3 10.4 Loan/Deposit ratio 97.8 97.2 95.1 90.9 92.3 90.1 Per Share Data Share price $ 46.21 $ 44.80 $ 51.78 $ 54.33 $ 57.80 $ 60.58 Book value 48.95 50.82 52.36 54.05 55.56 56.73 Tangible book value(1) 38.44 40.13 41.54 43.29 44.84 46.04 Price / tangible book value per share 120 % 112 % 125 % 126 % 129 % 132 % Dividend paid $ 0.26 $ 0.27 $ 0.27 $ 0.29 $ 0.31 $ 0.31 (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 2025 Mar- 26 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 = 11.7% as of March 31, 2026 | 6 Asset Growth Texan Bank - $416 MM

Profitability 0.99 1.76 1.07 1.23 1.08 1.33 1.30 1.12 1.04 1.25 1.27 1.12 1.32 1.39 GAAP Core pre-provision earnings 2020 2021 2022 2023 2024 2025 1Q 2026 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 11.1 10.4 8.9 8.5 11.8 11.9 9.9 11.1 11.1 GAAP Core pre-provision earnings 2020 2021 2022 2023 2024 2025 1Q 2026 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 13.1 11.1 10.5 15.6 15.9 12.8 13.9 13.7 ROATCE Core pre-provision earnings 2020 2021 2022 2023 2024 2025 1Q 2026 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 60.2 60.0 63.8 64.8 61.2 61.3 64.6 60.8 59.7 GAAP Core pre-provision earnings 2020 2021 2022 2023 2024 2025 1Q 2026 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 1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2,550 2,600 2,650 2,700 2,750 2,800 Loan Portfolio (as of March 31, 2026) CRE O.O. 27% 1-4 Mortgage 17% CRE N.O.O. 16% C&I 16% C&D 13% Multifamily 7% Home Equity 3% Consumer 1% Composition Market Diversification Acadiana 28% New Orleans 27% Houston 21% Northshore 12% Baton Rouge 10% MS 2% • Total loans - $2.7 billion • 1Q 2026 WAR - 6.41% • Houston market - 3% YTD annualized growth rate • YTD 2026 annualized growth rate - (2)% • Houston market - 3% annualized growth rate YTD | 8 (2)% 4% 3% (8)% 6% 7% 1% 6%

OO CRE Portfolio (as of March 31, 2026) Geographic Exposure Houston, 37% Acadiana, 26% New Orleans 14% Northshore 12% Baton Rouge 9% Mississippi, 1% Southwest LA, 1% | 9 dollars in thousands Balances % of Total Loans % of OO CRE Avg Loan Size Criticized Balances Convenience Store $ 175,687 6 % 24 % $ 1,627 $ — Office 115,182 4 16 494 — Warehouse Or Industrial 93,467 3 13 556 7,413 Office Medical 85,970 3 12 868 — Other Specialty Use 54,360 2 7 937 3,709 Retail Single Tenant 50,804 2 7 643 — Hospital Or Surgical Center 47,987 2 6 4,362 — Restaurant/Bar 46,173 2 6 679 1,539 Church/School Mtg 40,746 2 5 905 1,438 Other 26,445 1 4 756 — Total $ 736,821 27 % 100 % $ 815 $ 14,099 Repricing or Maturing Term dollars in thousands 3 mths or less 4 - 12 mths 1 - 3 Years 3 - 5 Years 5+ Years Balances $ 154,709 $ 74,189 $ 166,157 $ 180,131 $ 161,636 WAR 6.3 % 5.0 % 5.9 % 6.5 % 4.5 % Average Rate 5.7% Fixed Rate % 64% Convenience Store Balances 88% in Houston Nonaccrual Balance $8.1 million

NOO CRE Portfolio, including Multifamily (as of March 31, 2026) Geographic Exposure New Orleans 41% Houston 18% Northshore 19% Acadiana 12% Baton Rouge 9% Other, 1% | 10 dollars in thousands Balances % of Total Loans % of NOO CRE Avg Loan Size Criticized Balances Multifamily $ 179,982 7 % 29 % $ 1,184 $ 1,594 Retail Multi-tenant 113,946 4 18 1,561 — Multi Use Facility 68,230 3 11 1,137 7,943 Office 66,155 2 10 959 5,845 Other 63,981 2 10 1,122 637 Hotel/Motel 56,187 2 9 1,338 14,355 Warehouse or Industrial 43,576 2 7 573 — Retail Single Tenant 12,815 1 2 442 363 Other Specialty Use 10,521 — 2 554 — Hospital or Surgical Center 10,268 — 2 1,711 — Total $ 625,661 23 % 100 % $ 1,073 $ 30,737 Repricing or Maturing Term dollars in thousands 3 mths or less 4 - 12 mths 1-3 years 3-5 Years 5+ Years Balances $ 139,974 $ 99,184 $ 186,071 $ 140,271 $ 60,161 WAR 6.3 % 4.6 % 6.0 % 6.9 % 4.3 % Average Rate 5.87% Fixed Rate % 70% Nonaccrual Balance $4.1 million

CRE Non-Medical Office Exposure (as of March 31, 2026) | 11 Nonaccrual Balance NOO loans - $0.0 OO loans - $0.0 Total Non-Medical Office Loans $181.3 million or 6.6% 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 $ 23,738 0.9 % $ 1,319 $ — Houston 21,355 0.8 1,941 5,845 Northshore 8,764 0.3 974 — Acadiana 8,544 0.3 371 — New Orleans 3,508 0.1 585 — Mississippi 161 — 161 — Southwest LA 85 — 85 — Total NOO Office $ 66,155 2.4 % $ 959 $ 5,845 dollars in thousands Balances % of Total Loans Avg Loan Size Criticized Balances Acadiana $ 32,849 1.2 % $ 456 $ — Houston 28,642 1.0 924 — New Orleans 22,281 0.8 518 — Baton Rouge 13,860 0.5 385 — Northshore 12,027 0.4 430 — Southwest LA 2,081 0.1 149 — Mississippi 3,442 0.1 382 — Total OO Office $ 115,182 4.1 % $ 494 $ — OO Office Exposure NOO Office Exposure Average Remaining Maturity NOO 5.5 yrs OO 6.9 yrs Average Rate NOO 5.1% OO 5.9%

Commercial & Industrial (as of March 31, 2026) | 12 Nonaccrual Balance $1.9 million LOC Utilization Rate 47% Average Rate 7.0% Geographic Exposure Acadiana 41% Baton Rouge 15% New Orleans 11% Houston 10% Northshore 8% Southwest LA 7% Other 5% Natchez 3% dollars in thousands Balances % of C&I % of Loans Avg Loan Size Criticized Balances Finance and Insurance $ 52,455 12.3 % 1.9 % $ 889 $ 1,398 Professional Services 49,761 11.6 1.8 126 — Retail 46,658 10.9 1.7 246 348 Manufacturing 41,703 9.7 1.5 286 578 Real Estate Leasing 41,425 9.7 1.5 182 14 Construction 39,763 9.3 1.5 129 581 Healthcare 32,019 7.5 1.2 140 — Transportation 27,995 6.5 1.0 199 129 Agriculture 22,649 5.3 0.8 140 59 Oil & Gas Extraction 13,148 3.1 0.5 193 — Other 60,499 14.1 2.2 152 337 Totals $ 428,075 100 % 15.7 % $ 183 $ 3,444 Repricing or Maturing Term dollars in thousands 3 mths or less 4 -12 Mths 1 - 3 Years 3 - 5 Years 5+ Years Balances $ 239,802 $ 36,005 $ 41,629 $ 43,324 $ 67,315 WAR 7.3 % 7.2 % 6.6 % 7.0 % 6.3 % Fixed Rate % 41%

C&D Portfolio (as of March 31, 2026) Commercial Construction, 53% Lots, Development and Unimproved Land, 25% 1-4 Family Construction, 22% 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 2025 Mar- 26 YTD (0.25)% —% 0.25% 0.50% 0.75% 1.00% Total Balance $340 million Average Balance $574K $883K net charge-offs since 2009 3.8% on Nonaccrual or $12.8 million

Loans & Securities - Repricing and Maturity (as of March 31, 2026) | 14 Loan Repricing or Maturing Term Rate Structure Total Loans and Leases (1) dollars in millions Floating Rate* 3 mths or less 4 -12 Mths 1 - 3 Years 3 - 5 Years 5 - 7 Years 7+ Years Total Fixed Adjustable Residential mortgages $35 $24 $49 $123 $86 $28 $131 $476 $264 $212 Home equity loans and lines 84 0 0 2 1 1 4 92 8 84 Commercial real estate 190 67 141 291 283 107 103 1,182 769 413 Construction and land 137 61 87 29 21 3 2 340 136 204 Multifamily 25 13 33 61 37 2 9 180 138 42 Commercial and industrial 234 6 36 42 43 41 26 428 175 253 Other consumer 10 1 3 5 3 2 6 30 25 5 Total Loans and Leases $715 $172 $349 $553 $474 $184 $281 $2,728 $1,515 $1,213 % of Total 26% 7% 13% 20% 17% 7% 10% 100% 56% 44% Cumulative 26% 33% 46% 66% 83% 90% 100% Weighted average rate 7.01% 5.57% 5.71% 6.17% 6.71% 5.02% 4.98% 6.19% 5.63% 6.89% 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 $13 $55 $143 $91 $47 $63 $412 % of Total 3% 14% 35% 22% 11% 15% 100% Cumulative 3% 17% 52% 74% 85% 100% Weighted average rate 2.56% 2.40% 2.22% 2.71% 2.57% 2.46% 2.44% (1) Based on maturity date for fixed rate loans. (2) Par value for securities at March 31, 2026 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. *Floating rate loans reprice regularly every 3 months or less.

($ in m illi on s) $31.5 $2.4 $(1.0) $1.1 $(0.9) $0.9 $(0.4) $31.5 $32.9 $33.1 $33.7 Dec 2023 Organic Provision Net Charge- offs Dec 2024 Organic Provision Net Charge- offs Dec 2025 Organic Provision Net Charge- offs Mar 2026 0 10 20 30 40 2025 (dollars in thousands) 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 Total Loans $ 2,747,277 $ 2,764,538 $ 2,705,895 $ 2,744,023 $ 2,728,146 Total nonperforming loans 19,047 23,352 29,522 34,176 35,809 Total special mention loans 820 1,812 3,959 4,624 11,148 Total substandard loans 36,409 49,811 57,643 61,131 61,500 Total criticized loans $ 37,229 $ 51,623 $ 61,602 $ 65,755 $ 72,648 Nonperforming loans / Total loans 0.69 % 0.84 % 1.09 % 1.25 % 1.31 % Criticized loans / Total loans 1.36 % 1.87 % 2.28 % 2.40 % 2.66 % ALL / Total Loans 1.21 % 1.21 % 1.21 % 1.21 % 1.23 % 20262021 Changes in ALL | 15 2024

1.30 0.77 0.49 0.34 0.31 0.45 1.03 1.12 0.75 0.40 0.28 0.14 0.20 0.32 0.80 0.89 NPAs / Total Assets Originated NPAs / Total Assets 2019 2020 2021 2022 2023 2024 2025 Mar-26 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 0.06 2019 2020 2021 2022 2023 2024 2025 Mar-26 YTD 0.00% 0.05% 0.10% 0.15% Net Charge-offs / YTD Average Loans 63 165 146 267 304 211 92 84 ALL / NPAs 2019 2020 2021 2022 2023 2024 2025 Mar-26 YTD 0% 50% 100% 150% 200% 250% 300% 350% ALL / NPAs 1.73 1.03 0.83 0.41 0.52 0.76 1.24 1.78% 1.32 0.74 0.57 0.32 0.36 0.67 1.18 1.57% Past Due Loans / Loans Originated Past Due / Originated Loans 2019 2020 2021 2022 2023 2024 2025 Mar-26 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 thousands) Book Value Gain/(loss) Eff. Duration MBS $184,205 $(14,472) 3.9 Agency CMBS 145,464 (3,434) 2.2 Muni 53,441 (5,145) 5.1 CMO 13,161 (446) 2.5 Agency 10,475 (489) 3.5 Corp 3,500 — 0.3 Total $410,246 $(23,986) 3.4 10 Year Investment Cash Flow 13% 33% 48% 60% 70% 78% 83% 88% 92% 96% Expected Principal Cash Flows (dollars in thousands) Percentage of Cash Flows - Cumulative FYE 2026 FYE 2027 FYE 2028 FYE 2029 FYE 2030 FYE 2031 FYE 2032 FYE 2033 FYE 2034 FYE 2035 $— $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 45% Agency CMBS 35% Muni 13% CMO 3% Agency 3% Corp 1% 11% of total assets 2.5% Q1 yield $24.0 million unrealized loss ~ 5.8% of book value 99.9% AFS $0.6 million MV decline in Q1 $5.7 million decline in book value QoQ

Acadiana 55% New Orleans 14% Houston 10% Northshore 10% Mississippi, 7% Baton Rouge, 4% $ in m illi on s 30% 34% 28% 26% 27% 27% 31% 25% 24% 23% 22% 23% 13% 13% 24% 26% 27% 25% 15% 16% 15% 17% 17% 18% 11% 12% 9% 8% 7% 7% Demand deposits NOW Certificates of deposit Money Market Savings Balance 2021 2022 2023 2024 2025 Mar 2026 2,400 2,800 3,200 3,600 Change (dollars in thousands) 3/31/2025 12/31/2025 3/31/2026 QoQ YoY Demand Deposits $ 754,955 $ 792,951 $ 830,030 $ 37,079 $ 75,075 Savings 212,053 201,265 202,058 793 (9,995) Money Market 464,659 518,740 543,120 24,380 78,461 NOW 641,287 654,227 710,071 55,844 68,784 CDs 754,253 805,623 741,502 (64,121) (12,751) Total Deposits $ 2,827,207 $ 2,972,806 $ 3,026,781 $ 53,975 $ 199,574 Deposits (as of March 31, 2026) | 18 $36,742 Average deposit size 27% Non-interest bearing deposit composition 7% Annualized 2026 growth rate

Deposits (as of March 31, 2026) | 19 Retail Business Public Broker Total FDIC Insured 43% 17% —% —% 60% Uninsured (1) 7 17 — — 24 Reciprocal — 5 — — 5 Public Funds — — 8 — 8 Brokered Deposits — — — 3 3 Total 50% 39% 8% 3% 100% Cost of Deposits 1.52 1.63 1.75 1.73 1.68 1.71 1.76 1.71 1.65 4.41 4.58 4.59 4.33 4.00 3.86 3.85 3.83 3.50 2.52 2.69 2.78 2.66 2.51 2.52 2.57 2.51 2.29 1.82 1.94 2.03 1.94 1.85 1.84 1.88 1.84 1.68 Interest-bearing non-maturity deposits Certificates of deposit Total interest-bearing deposits Total deposits 1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 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) Q1 2026 FHLB availability $ 1,260,533 Unencumbered investments (book) 68,546 FRB discount window 500 Total primary funding sources $ 1,329,579 Fed fund lines 55,000 Total primary and secondary liquidity $ 1,384,579 Uninsured Deposits(1) Approximately $728 million or 24% of total deposits Coverage of Uninsured Deposits(2) 183%

3.64 3.66 3.71 3.82 3.91 4.04 4.10 4.06 4.16 NIM 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 3.60% 3.80% 4.00% 4.20% 4.40% NIM (TE) 6.18 6.28 6.43 6.43 6.43 6.50 6.53 6.44 6.41 Loan Yield 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 6.10% 6.20% 6.30% 6.40% 6.50% 6.60% Yield on Loans 2.79 2.93 3.02 2.87 2.74 2.71 2.69 2.60 2.38 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 2.3% 2.5% 2.8% 3.0% 3.3% Cost of Interest-Bearing Liabilities Yields | 20 4.16% NIM for the quarter ended March 2026 1.68% Cost of total deposits for the quarter ended March 2026 Month Total borrowings decreased $1.9 million for the quarter ended March 2026

Rate Shock 1 Year % Change in NII 200 6.8% 100 3.5% (100) (3.8)% (200) (7.2)% % of assets 2019 2025 Q1 2026 Q1 Cash 2% 3% 6% Investments 12% 12% 11% Loans, excluding PPP 78% 79% 77% Other Assets 8% 6% 6% NMD - noninterest-bearing 20% 22% 23% NMD - interest-bearing 45% 38% 41% CDs 18% 21% 21% Total Deposits 83% 81% 85% Borrowings 2% 5% —% Subordinated Debt —% 2% 2% Other 1% 1% 1% Equity 14% 11% 12% Loan portfolio effective duration ~ 1.7 (based on management estimates) Cost of 2Q2016 - 3Q2019 3Q2019 - 1Q2022 1Q2022 - 3Q2024 3Q2024 - 1Q2026 Interest-bearing deposits 36% 40% 49% 29% Total deposits 27% 31% 36% 21% Interest-bearing liabilities 33% 40% 53% 38% Funding earning assets 23% 29% 37% 29% 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 Q4- 25 —% 1.00% 2.00% 3.00% 4.00% 5.00% Investment Portfolio effective duration = 3.4 44% of loan portfolio is variable

0.62 0.57 0.54 0.44 0.46 0.43 0.45 0.43 2019 2020 2021 2022 2023 2024 2025 Mar-26 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 2.58 2.63 2019 2020 2021 2022 2023 2024 2025 Mar- 26 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) 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 Service fees and charges $ 1,309 $ 1,345 $ 1,408 $ 1,438 $ 1,437 Bank card fees 1,578 1,750 1,646 1,624 1,594 Gain on sale of loans 377 114 144 225 230 Gain (loss) on sale of assets, net 9 (2) — (4) — Other 736 509 540 715 477 Total noninterest income $ 4,009 $ 3,716 $ 3,738 $ 3,998 $ 3,738 (dollars in thousands) 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 Compensation $ 12,652 $ 13,322 $ 13,531 $ 13,974 $ 13,714 Data processing 2,642 2,628 2,556 2,548 2,629 Occupancy 2,561 2,513 2,544 2,406 2,429 Reversal for unfunded commitments — (970) — (105) — Other 3,724 4,914 3,900 4,223 4,168 Total noninterest expense $ 21,579 $ 22,407 $ 22,531 $ 23,046 $ 22,940 Noninterest expense excl. provision for unfunded $ 21,579 $ 23,377 $ 22,531 $ 23,151 $ 22,940 Noninterest Income & Expense | 22

0.84 0.88 0.91 0.93 1.00 1.01 1.14 0.62 0.20 0.22 0.22 0.23 0.25 0.25 0.27 0.31 0.21 0.22 0.23 0.23 0.25 0.25 0.27 0.310.21 0.22 0.23 0.23 0.25 0.25 0.290.22 0.22 0.23 0.24 0.25 0.26 0.31 Q1 Q2 Q3 Q4 2019 2020 2021 2022 2023 2024 2025 2026 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 44.84 46.04 Tangible book value 2019 2020 2021 March 2022 2022 2023 2024 2025 March 2026 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 321,590 44.30 14,247,421 2026 (as of 4/16/2026) 4,332 58.00 251,243 Total 2,099,192 $ 35.33 $ 74,156,996 Capital | 23 385,890 shares remaining in current plan as of April 16, 2026 New Share Repurchase Plan approved 400,000 shares 17% Shares repurchased since 2019 8.8% CAGR TBV / share since 2019 Cash acquisition - Texan Bank Cash dividend of $0.31 per share payable on May 15, 2026 *payable in May 2026 *

9.8 10.4 11.0 11.4 11.8 12.1 14.7 12.4 13.0 13.3 14.1 14.4 15.9 13.6 14.2 14.5 15.3 15.6 Tier 1 leverage capital Common equity tier 1 Total risk-based capital 2021 2022 2023 2024 2025 1Q 2026 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 14.4% 13.8% 13.0% 12.4% Tier 1 risk based capital 14.4% 13.8% 13.0% 12.4% Total risk based capital 15.6% 15.0% 16.1% 15.5% Tier 1 leverage capital 12.1% 11.6% 10.9% 10.4% (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 March 31, 2026

Investment Perspective | 25

| 26

4Q 2024 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 Total shareholders' equity $ 396,088 $ 402,831 $ 408,818 $ 423,044 $ 435,094 $ 444,410 Less: intangible assets 85,044 84,751 84,482 84,214 83,957 83,723 Non-GAAP tangible shareholders' equity $ 311,044 $ 318,080 $ 324,336 $ 338,830 $ 351,137 $ 360,687 Reported net income $ 9,673 $ 10,964 $ 11,330 $ 12,357 $ 11,411 $ 11,360 Add: amortization CDI, net tax 250 231 213 212 203 185 Non-GAAP tangible net income $ 9,923 $ 11,195 $ 11,543 $ 12,569 $ 11,614 $ 11,545 Return on average equity 9.7 % 11.0 % 11.2 % 11.8 % 10.5 % 10.4 % Add: intangible assets 3.0 3.3 3.3 3.2 2.8 2.7 Non-GAAP return on tangible common equity 12.7 % 14.3 % 14.5 % 15.0 % 13.3 % 13.1 % Book value per share $ 48.95 $ 50.82 $ 52.36 $ 54.05 $ 55.56 $ 56.73 Less: intangible assets 10.51 10.69 10.82 10.76 10.72 10.69 Non-GAAP tangible book value per share $ 38.44 $ 40.13 $ 41.54 $ 43.29 $ 44.84 $ 46.04 Reported net income $ 9,673 $ 10,964 $ 11,330 $ 12,357 $ 11,411 $ 11,360 Less: PPP loan income 12 17 2 1 1 — Less: gain (loss) on sale of assets 39 9 (2) — (4) — Less: loan discount accretion 421 356 356 347 242 189 Add: provision (reversal) for loan losses 873 394 489 (229) 480 922 Add: provision (reversal) for credit losses on unfunded commitments 240 — (970) — (105) — Add: CDI amortization 317 293 269 268 257 234 Total non-core items, net of taxes 757 241 (449) (244) 310 764 Core pre-provision net income (1) $ 10,430 $ 11,205 $ 10,881 $ 12,113 $ 11,721 $ 12,124 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.

2020 2021 2022 2023 2024 2025 Mar-26 YTD Total shareholders' equity $ 321,842 $ 351,903 $ 329,954 $ 367,444 $ 396,088 $ 435,094 $ 444,410 Less: intangible assets 63,112 61,949 87,973 86,372 85,044 83,957 83,723 Non-GAAP tangible shareholders' equity $ 258,730 $ 289,954 $ 241,981 $ 281,072 $ 311,044 $ 351,137 $ 360,687 Reported net income $ 24,765 $ 48,621 $ 34,072 $ 40,240 $ 36,427 $ 46,062 $ 11,360 Add: amortization CDI, net tax 1,074 919 1,266 1,264 1,049 859 185 Non-GAAP tangible income $ 25,839 $ 49,540 $ 35,338 $ 41,504 $ 37,476 $ 46,921 $ 11,545 Return on average equity 7.8 % 14.4 % 10.2 % 11.6 % 9.6 % 11.1 % 10.4 % Add: intangible assets 2.4 3.6 3.7 4.4 3.1 3.2 2.7 Non-GAAP return on tangible common equity 10.2 % 18.0 % 13.9 % 16.0 % 12.7 % 14.3 % 13.1 % Originated loans $ 1,625,139 $ 1,593,769 $ 1,961,425 $ 2,169,500 $ 2,354,927 $ 2,436,576 $ 2,440,402 Acquired loans 354,815 246,324 469,325 412,138 363,258 307,447 287,744 Total loans $ 1,979,954 $ 1,840,093 $ 2,430,750 $ 2,581,638 $ 2,718,185 $ 2,744,023 $ 2,728,146 Originated NPAs $ 10,353 $ 8,348 $ 4,489 $ 6,518 $ 10,970 $ 27,838 $ 31,682 Acquired NPAs 9,628 6,116 6,487 3,871 4,638 8,267 8,220 Total NPAs $ 19,981 $ 14,464 $ 10,976 $ 10,389 $ 15,608 $ 36,105 $ 39,902 Originated past due loans $ 12,070 $ 9,071 $ 6,215 $ 7,864 $ 15,681 $ 28,852 $ 38,203 Acquired past due loans 8,335 6,146 3,683 5,569 4,920 5,184 10,259 Total past due loans $ 20,405 $ 15,217 $ 9,898 $ 13,433 $ 20,601 $ 34,036 $ 48,462 Average assets $ 2,491,612 $ 2,765,878 $ 3,178,862 $ 3,262,820 $ 3,386,721 $ 3,473,442 $ 3,532,181 Less: average PPP loans 169,665 169,149 15,691 5,997 4,436 509 92 Average assets excluding PPP loans $ 2,321,947 $ 2,596,729 $ 3,163,171 $ 3,256,823 $ 3,382,285 $ 3,472,933 $ 3,532,089 Appendix (non-GAAP reconciliation) | 28 (dollars in thousands)

2020 2021 2022 2023 2024 2025 Mar-26 YTD Reported noninterest income $ 14,305 $ 16,271 $ 13,885 $ 14,636 $ 14,625 $ 15,461 $ 3,738 Less: BOLI benefit — 1,717 — — — — — Less: gain (loss) on sale of securities — — — (249) — — — Less: gain (loss) on sale of assets — (504) 26 (27) 33 3 — Non-GAAP noninterest income $ 14,305 $ 15,058 $ 13,859 $ 14,912 $ 14,592 $ 15,458 $ 3,738 Reported noninterest expense $ 62,981 $ 66,982 $ 81,909 $ 82,841 $ 87,289 $ 89,563 $ 22,940 Less: one-time foreclosed asset recovery — — — 739 — — — Less: merger-related expenses — 299 1,971 — — — — Non-GAAP noninterest expense $ 62,981 $ 66,683 $ 79,938 $ 82,102 $ 87,289 $ 89,563 $ 22,940 Reported net income $ 24,765 $ 48,621 $ 34,072 $ 40,240 $ 36,427 $ 46,062 $ 11,360 Less: PPP loan income 5,895 13,208 1,359 95 89 21 — Less: BOLI benefit — 1,717 — — — — — Less: gain (loss) on sale of assets — (504) 26 (27) 33 3 — Less: gain (loss) on sale of securities — — — (249) — — — Less: loan discount accretion 4,097 2,361 2,933 2,532 1,888 1,301 189 Add: provision (reversal) for loan losses 12,728 (10,161) 7,489 2,341 2,415 1,134 922 Add: provision (reversal) for credit losses on unfunded commitments — 390 278 501 106 (1,075) — Add: CDI amortization 1,360 1,163 1,602 1,601 1,328 1,087 234 Add: one-time foreclosed asset recovery — — — (739) — — — Add: merger-related expenses — 299 1,971 — — — — Non-core items, net of taxes 3,236 (19,822) 5,547 1,069 1,453 (142) 764 Core pre-provision net income (1) $ 28,001 $ 28,799 $ 39,619 $ 41,309 $ 37,880 $ 45,920 $ 12,124 (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)

2020 2021 1Q2022 2022 2023 2024 2025 1Q2026 Total shareholders' equity $ 321,842 $ 351,903 $ 337,504 $ 329,954 $ 367,444 $ 396,088 $ 435,094 $ 444,410 Less: intangible assets 63,112 61,949 87,569 87,973 86,372 85,044 83,957 83,723 Non-GAAP tangible shareholders' equity $ 258,730 $ 289,954 $ 249,935 $ 241,981 $ 281,072 $ 311,044 $ 351,137 $ 360,687 Shares Outstanding 8,740,104 8,526,907 8,453,014 8,286,084 8,158,281 8,091,522 7,831,342 7,833,804 Book value per share $ 36.82 $ 41.27 $ 39.93 $ 39.82 $ 45.04 $ 48.95 $ 55.56 $ 56.73 Less: intangible assets 7.22 7.27 10.36 10.62 10.59 10.51 10.72 10.69 Non-GAAP tangible book value per share $ 29.60 $ 34.00 $ 29.57 $ 29.20 $ 34.45 $ 38.44 $ 44.84 $ 46.04 Appendix (non-GAAP reconciliation) | 30 (dollars in thousands except for per share data)