Home Bancorp, Inc. · NASDAQ:HBCP
Home Bancorp — Q3 2026 Earnings Presentation
30 slides from Home Bancorp's earnings presentation, Oct 20, 2026
Slide 1: Q3 2026 Earnings Conference Call
Q3 2026 Earnings Conference Call
Slide 2: Forward-Looking Statements
Forward-Looking Statements 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
Slide 3: Our Company
Our Company 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 Total Assets $3.6B Highlights: • Total Assets: $3.6 billion at Septe
Slide 4: Our Markets
Our Markets NATCHEZ LAFAYETTE Greater Acadiana Region TOTAL BRANCHES: 13 BATON ROUGE TOTAL BRANCHES: 4 HOUSTON TOTAL BRANCHES: 6 NATCHEZ TOTAL BRANCHES: 3 NEW ORLEANS 1) LAFAYETTE/ACADIANA : TOTAL BRANCHES: 6 NORTHSHORE TOTAL BRANCHES: 6 SOUTHWEST ACADIANA TOTAL BRANCHES: 5 a * HEADQUARTERS Home ff
Slide 5: Quarterly Financial Highlights
Quarterly Financial Highlights (dollars in thousands, except per share data) 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 Profitability Net income $ 11,330 $ 12,357 $ 11,411 $ 11,360 $ 11,615 $ 10,097 Diluted EPS 1.45 1.59 1.46 1.45 1.48 1.28 Net interest income 33,351 34,106 34,048 34,482 35,805
Slide 6: Asset Growth
Asset Growth 4,000 Texan Bank - CAGR = 11.4% $416 MM as of September 30, 2026 3,500 St. Martin Bank & Trust - $597 MM 3,000 Bank of New Orleans - $346 MM Home Bank Total Assets ($ in millions) 2,500 Britton & Koontz Bank - $301 MM Guaranty 2,000 Savings Bank - $257 MM Statewide 1,500 Bank - $199 MM
Slide 7: Profitability
(1) Profitability Return on Average Assets Return on Average Equity 2.0% 16.0% 1.8% 14.0% 1.6% 11.8 11.9 1.39 1.38 12.0% 11.1 11.1 10.9 1.4% 1.27 1.32 1.25 1.21 9.9 9.5 1.12 1.12 10.0% 8.9 8.5 1.2% 1.04 1.0% 8.0% 1.76 14.4 0.8% 6.0% 11.6 11.1 0.6% 1.23 1.33 1.30 1.31 10.2 9.6 10.4 10.3 0.99 1.07 1.0
Slide 8: Loan Portfolio
Loan Portfolio (as of September 30, 2026) Composition Consumer 2,800 Home Equity 1% (1)% 3% Loan Balance Outstanding ($ in millions) 3% 8% 2,750 6% Multifamily 4% (2)% (8)% 7% Annualized Growth Rate CRE O.O. C&D 28% 11% 2,700 7% 1% 2,650 6% C&I 17% 1-4 Mortgage 17% 2,600 CRE N.O.O. 16% Market Divers
Slide 9: OO CRE Portfolio
OO CRE Portfolio (as of September 30, 2026) Average Rate Fixed Rate % % of Total % of OO Avg Loan Criticized 5.8% 61% dollars in thousands Balances Loans CRE Size Balances Convenience Store $ 177,514 6% 23 % $ 1,675 $ — Warehouse or Industrial 126,998 5 16 730 7,329 Nonaccrual Convenience Store Offi
Slide 10: NOO CRE Portfolio, including Multifamily
NOO CRE Portfolio, including Multifamily (as of September 30, 2026) % of % of Total NOO Avg Loan Criticized Average Rate Fixed Rate % dollars in thousands Balances Loans CRE Size Balances 6.05% 68% Multifamily $ 194,134 7% 31 % $ 1,330 $ 2,292 Retail Multi-tenant 106,734 4 17 1,570 — Other 72,849 3
Slide 11: CRE Non-Medical Office Exposure
CRE Non-Medical Office Exposure (as of September 30, 2026) NOO Office Exposure Average Rate Average Criticized Remaining dollars in thousands Balances % of Total Loans Avg Loan Size Balances NOO 5.6% Maturity Baton Rouge $ 23,905 0.9 % $ 1,258 $ 172 OO 6.0% NOO 5.7 yrs Houston 19,800 0.7 1,980 5,776
Slide 12: Commercial & Industrial
Commercial & Industrial (as of September 30, 2026) LOC Utilization Nonaccrual % of Avg Loan Criticized dollars in thousands Balances % of C&I Loans Size Balances Rate Balance Finance and Insurance 51,782 11.2 1.9 893 3,565 47% $6.7 million Retail 47,128 10.2 1.7 244 — Real Estate Leasing 45,667 9.9
Slide 13: C&D Portfolio
C&D Portfolio Composition (as of September 30, 2026) 1-4 Family Total Average Construction, 19% Balance Balance $304 million $552K Lots, Commercial Development and Construction, 59% Unimproved Land, 1.6% $1.0M 22% on Nonaccrual net charge-offs or $4.8 million since 2009 Historic Charge-off (Recovery
Slide 14: Loans & Securities - Repricing and Maturity
Loans & Securities - Repricing and Maturity (as of September 30, 2026) Loan Repricing or Maturing Term Rate Structure Total Loans and Leases (1) Floating 3 mths or dollars in millions Rate* less 4 -12 Mths 1 - 3 Years 3 - 5 Years 5 - 7 Years 7+ Years Total Fixed Adjustable Residential mortgages $37
Slide 15: Changes in ALL
Changes in ALL 2021 2024 2025 2026 40 $2.7 $2.4 $1.1 $31.5 $(1.4) 30 $(1.0) $(0.9) ($ in millions) 20 $32.9 $33.1 $34.4 $31.5 10 0 Dec 2023 Organic Net Charge- Dec 2024 Organic Net Charge- Dec 2025 Organic Net Charge- Sep 2026 Provision offs Provision offs Provision offs (dollars in thousands) 9/30/
Slide 16: Credit Quality Trends
Credit Quality Trends NPAs / Assets ALL / NPAs 1.6% 1.49 350% 1.4% 1.30 300% 1.2% 267 304 1.03 250% 1.0% 0.77 200% 165 211 0.8% 0.6% 0.49 150% 0.45 92 0.34 100% 146 0.4% 0.31 64 0.2% 50% 63 0.0% 0% 2019 2020 2021 2022 2023 2024 2025 Sep-26 2019 2020 2021 2022 2023 2024 2025 Sep-26 YTD YTD NPAs / Tot
Slide 17: Investment Portfolio
Investment Portfolio 12% 2.9% of total assets Q3 yield (dollars in thousands) Book Value Gain/(loss) Eff. Duration $36.5 million 100% MBS $207,568 $(21,164) 4.2 unrealized loss ~ AFS Agency CMBS 165,434 (6,337) 2.4 8.1% of book value Muni 52,703 (7,587) 4.9 CMO 11,706 (670) 3.1 Agency 9,636 (694) 3.
Slide 18: Deposits
Deposits (as of September 30, 2026) $37,339 Average deposit size 3,600 6% 11% 12% 9% 8% 7% 15% 17% 17% 19% 15% 16% 27% 3,200 13% 13% 24% 26% 27% 25% $ in millions Non-interest bearing 25% deposit composition 31% 24% 23% 22% 23% 2,800 4% 30% 34% 28% 26% 27% 27% Annualized 2026 growth rate 2,400 2021
Slide 19: Deposits
Deposits (as of September 30, 2026) Uninsured Deposits(1) Retail Business Public Broker Total FDIC Insured 43% 17% —% —% 60% Approximately $760 million or 25% of total deposits Uninsured (1) 7 18 — — 25 Reciprocal — 6 — — 6 Public Funds — — 7 — 7 Coverage of Brokered Deposits — — — 2 2 Uninsured Dep
Slide 20: Yields
Yields NIM (TE) 4.40% 4.24 4.19% 1.69% 4.16 4.19 4.20% 4.10 NIM for the quarter Cost of total deposits for 4.06 4.04 ended September 2026 the quarter ended 4.00% 3.91 September 2026 3.82 3.80% 3.71 3.64 3.66 3.60% 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q 24 24 24 24 25 25 25 25 26 26 26 NIM Yield on Loans C
Slide 21: Interest Rate Risk
Interest Rate Risk Liability Betas Forecasted Change in NII 5.00% Rate Shock 1 Year % Change in NII 4.00% 200 4.8% 3.00% 100 2.5% 2.00% (100) (3.3)% 1.00% (200) (6.1)% —% Q2- Q4- Q2- Q4- Q2- Q4- Q2- Q4- Q2- Q4- Q2- Q4- Q2- Q4- Q2- Q4- Q2- Q4- Q2- Q4- Q2- Q3- 16 16 17 17 18 18 19 19 20 20 21 21 22 22
Slide 22: Noninterest Income & Expense
Noninterest Income & Expense Noninterest Income(1) / Assets 3Q 4Q 1Q 2Q 3Q (dollars in thousands) 2025 2025 2026 2026 2026 0.65% 0.62 Service fees and charges $ 1,408 $ 1,438 $ 1,437 $ 1,407 $ 1,512 0.60% 0.57 Bank card fees 1,646 1,624 1,594 1,718 1,773 0.54 0.55% Gain on sale of loans 144 225 230
Slide 23: Capital
Capital Dividends Per Share Share Repurchase Activity (excluding excise tax) 1.50 Average *payable in November 2026 1.26 Year # Shares Price Cash Utilized 1.14 1.00 1.01 * 0.32 2019 419,498 $36.82 $ 15,444,895 1.00 0.91 0.93 0.84 0.88 0.31 2020 530,504 26.41 14,011,605 0.25 0.26 0.22 0.23 0.24 0.32
Slide 24: Capital
Capital Capital Ratios (Bank only) 20% 15.9 15.6 15.6 16.1 14.7 15.3 14.9 14.2 14.5 14.1 14.4 14.4 15% 13.6 13.3 12.4 13.0 12.3 11.8 12.1 12.1 11.0 11.4 10.4 9.8 10% 5% 0% 2021 2022 2023 2024 2025 1Q 2026 2Q 2026 3Q 2026 Tier 1 leverage capital Common equity tier 1 Total risk-based capital Regulator
Slide 25: Investment Perspective
Investment Perspective IIs Strong earnings and shareholder returns Conservative, well-managed Market disruption mA credit culture creates new opportunities ES a Disciplined acquirer Insider owners committed to continual improvement p < Homeff¥Bancorpinc. | 25 ——eEEE.R. ee
Slide 26: Serving the communities that built us since 1908
Serving the communities that built us since 1908. LAFAYETTE (GREATER ACADIANA REGION) HOUSTON NATCHEZ NEW ORLEANS NORTHSHORE Home ff Bancorp Inc. | 26
Slide 27: Appendix (non-GAAP reconciliation)
Appendix (non-GAAP reconciliation) (dollars in thousands, except per share data) 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 3Q 2026 Total shareholders' equity $ 408,818 $ 423,044 $ 435,094 $ 444,410 $ 453,457 $ 453,098 Less: intangible assets 84,482 84,214 83,957 83,723 83,513 83,304 Non-GAAP tangible
Slide 28: Appendix (non-GAAP reconciliation)
Appendix (non-GAAP reconciliation) (dollars in thousands) 2020 2021 2022 2023 2024 2025 Sep-26 YTD Reported noninterest income $ 14,305 $ 16,271 $ 13,885 $ 14,636 $ 14,625 $ 15,461 $ 11,858 Less: BOLI benefit — 1,717 — — — — — Less: gain (loss) on sale of securities — — — (249) — — — Less: gain (los
Slide 29: Appendix (non-GAAP reconciliation)
Appendix (non-GAAP reconciliation) (dollars in thousands) 2020 2021 2022 2023 2024 2025 Sep-26 YTD Total shareholders' equity $ 321,842 $ 351,903 $ 329,954 $ 367,444 $ 396,088 $ 435,094 $ 453,098 Less: intangible assets 63,112 61,949 87,973 86,372 85,044 83,957 83,304 Non-GAAP tangible shareholders'
Slide 30: Appendix (non-GAAP reconciliation)
Appendix (non-GAAP reconciliation) (dollars in thousands except for per share data) 2020 2021 1Q2022 2022 2023 2024 2025 1Q2026 2Q2026 3Q2026 Total shareholders' equity $ 321,842 $ 351,903 $ 337,504 $ 329,954 $ 367,444 $ 396,088 $ 435,094 $ 444,410 $ 453,457 $ 453,098 Less: intangible assets 63,112