Home Bancorp, Inc. · NASDAQ:HBCP
Home Bancorp — Q2 2026 Earnings Presentation
30 slides from Home Bancorp's earnings presentation, Jul 21, 2026
Slide 1: Q2 2026 Earnings Conference Call
Q2 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 June
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) 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 Profitability Net income $ 10,964 $ 11,330 $ 12,357 $ 11,411 $ 11,360 $ 11,615 Diluted EPS 1.37 1.45 1.59 1.46 1.45 1.48 Net interest income 31,749 33,351 34,106 34,048 34,482
Slide 6: Asset Growth
Asset Growth 4,000 Texan Bank - CAGR = 11.6% $416 MM as of June 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 - $199 MM 1,000
Slide 7: Profitability
(1) Profitability Return on Average Assets Return on Average Equity 2.0% 16.0% 1.8% 14.0% 1.6% 11.8 11.9 1.32 1.39 1.38 12.0% 11.1 11.1 10.9 1.4% 1.25 1.27 9.9 1.2% 1.12 1.12 10.0% 8.9 8.5 1.04 1.0% 8.0% 1.76 14.4 0.8% 6.0% 1.33 1.31 11.6 11.1 0.6% 1.23 1.30 10.2 9.6 10.4 10.3 0.99 1.07 1.08 4.0% 7.
Slide 8: Loan Portfolio
Loan Portfolio (as of June 30, 2026) Composition Consumer Home Equity 1% 2,800 3% Loan Balance Outstanding ($ in millions) 3% 7% 6% Multifamily 2,750 4% (2)% 7% (8)% CRE O.O. Annualized Growth Rate 28% C&D 7% 12% 2,700 1% 2,650 6% C&I 1-4 Mortgage 16% 17% 2,600 CRE N.O.O. 16% Market Diversification
Slide 9: OO CRE Portfolio
OO CRE Portfolio (as of June 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 $ 184,013 7% 24 % $ 1,704 $ — Office 113,365 4 15 497 — Nonaccrual Convenience Store Warehouse Or Industrial 112,78
Slide 10: NOO CRE Portfolio, including Multifamily
NOO CRE Portfolio, including Multifamily (as of June 30, 2026) % of % of Total NOO Avg Loan Criticized Average Rate Fixed Rate % dollars in thousands Balances Loans CRE Size Balances 5.97% 69% Multifamily $ 197,624 7% 31 % $ 1,326 $ 2,759 Retail Multi-tenant 111,164 4 17 1,566 — Multi Use Facility 6
Slide 11: CRE Non-Medical Office Exposure
CRE Non-Medical Office Exposure (as of June 30, 2026) NOO Office Exposure Average Rate Average Criticized Remaining dollars in thousands Balances % of Total Loans Avg Loan Size Balances NOO 5.4% Maturity Baton Rouge $ 23,434 0.8 % $ 1,302 $ — OO 5.9% NOO 5.5 yrs Houston 21,991 0.8 1,833 5,811 OO 6.7
Slide 12: Commercial & Industrial
Commercial & Industrial (as of June 30, 2026) LOC Utilization Nonaccrual % of Avg Loan Criticized dollars in thousands Balances % of C&I Loans Size Balances Rate Balance Finance and Insurance $ 55,511 12.4 % 2.0 % $ 941 $ 3,823 48% $2.6 million Professional Services 46,023 10.3 1.7 120 — Retail 45,5
Slide 13: C&D Portfolio
C&D Portfolio Composition (as of June 30, 2026) Total Average 1-4 Family Construction, 19% Balance Balance $324 million $579K Commercial Lots, Construction, 57% Development and 1.6% $1,009K Unimproved Land, 24% on Nonaccrual net charge-offs or $5.3 million since 2009 Historic Charge-off (Recovery Ra
Slide 14: Loans & Securities - Repricing and Maturity
Loans & Securities - Repricing and Maturity (as of June 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 $41 $23 $
Slide 15: Changes in ALL
Changes in ALL 2021 2024 2025 2026 40 $2.4 $1.1 $1.7 $31.5 $(1.0) $(0.9) $(0.8) 30 ($ in millions) 20 $32.9 $33.1 $34.0 $31.5 10 0 Dec 2023 Organic Net Charge- Dec 2024 Organic Net Charge- Dec 2025 Organic Net Charge- Jun 2026 Provision offs Provision offs Provision offs (dollars in thousands) 6/30/
Slide 16: Credit Quality Trends
Credit Quality Trends NPAs / Assets ALL / NPAs 1.6% 350% 1.4% 1.30 300% 1.2% 1.09 267 304 1.03 250% 1.0% 200% 165 211 0.77 0.8% 0.86 150% 0.6% 0.75 0.49 0.80 0.45 92 87 0.34 100% 146 0.4% 0.31 0.2% 0.40 50% 0.28 0.32 63 0.0% 0.14 0.20 0% 2019 2020 2021 2022 2023 2024 2025 Jun-26 2019 2020 2021 2022
Slide 17: Investment Portfolio
Investment Portfolio 11% 2.7% of total assets Q2 yield (dollars in thousands) Book Value Gain/(loss) Eff. Duration $25.0 million 99.9% MBS $189,642 $(15,198) 4.0 unrealized loss ~ AFS Agency CMBS 163,255 (3,844) 2.3 5.8% of book value Muni 53,336 (5,016) 4.9 CMO 12,464 (478) 2.8 Agency 10,464 (512)
Slide 18: Deposits
Deposits (as of June 30, 2026) $37,534 Average deposit size 3,600 11% 12% 9% 8% 7% 6% 15% 17% 17% 19% 15% 16% 27% 3,200 13% 13% 24% 27% 24% $ in millions 26% Non-interest bearing 25% deposit composition 31% 24% 23% 22% 24% 2,800 7% 30% 34% 28% 26% 27% 27% Annualized 2026 growth rate 2,400 2021 2022
Slide 19: Deposits
Deposits (as of June 30, 2026) Uninsured Deposits(1) Retail Business Public Broker Total FDIC Insured 42% 17% —% —% 59% Approximately $776 million or 25% of total deposits Uninsured (1) 8 17 — — 25 Reciprocal — 7 — — 7 Public Funds — — 7 — 7 Coverage of Brokered Deposits — — — 2 2 Uninsured Deposits
Slide 20: Yields
Yields NIM (TE) 4.40% 4.24 4.24% 1.66% 4.16 4.20% 4.10 NIM for the quarter Cost of total deposits for 4.06 4.04 ended June 2026 the quarter ended June 4.00% 3.91 2026 3.82 3.80% 3.71 3.64 3.66 3.60% Total borrowings decreased $1.9 million 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q for the quarter ended June 2026
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 6.8% 3.00% 100 3.5% 2.00% (100) (4.3)% 1.00% (200) (8.3)% —% Q2- Q4- Q2- Q4- Q2- Q4- Q2- Q4- Q2- Q4- Q2- Q4- Q2- Q4- Q2- Q4- Q2- Q4- Q2- Q4- Q2- 16 16 17 17 18 18 19 19 20 20 21 21 22 22 23
Slide 22: Noninterest Income & Expense
Noninterest Income & Expense Noninterest Income(1) / Assets 2Q 3Q 4Q 1Q 2Q 0.65% (dollars in thousands) 2025 2025 2025 2026 2026 0.62 Service fees and charges $ 1,345 $ 1,408 $ 1,438 $ 1,437 $ 1,407 0.60% 0.57 Bank card fees 1,750 1,646 1,624 1,594 1,718 0.54 0.55% Gain on sale of loans 114 144 225
Slide 23: Capital
Capital Dividends Per Share Share Repurchase Activity (excluding excise tax) 1.50 Average *payable in August 2026 Year # Shares Price Cash Utilized 1.14 1.00 1.01 2019 419,498 $ 36.82 $ 15,444,895 1.00 0.91 0.93 0.94 0.84 0.88 0.31 2020 530,504 26.41 14,011,605 0.22 0.22 0.23 0.24 0.25 0.26 * 0.32 2
Slide 24: Capital
Capital Capital Ratios (Bank only) 20% 15.9 15.3 15.6 15.6 14.7 14.2 14.5 14.1 14.4 14.4 15% 13.6 13.3 12.4 13.0 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 Tier 1 leverage capital Common equity tier 1 Total risk-based capital Regulatory Capital and Adjusted
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) 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 Total shareholders' equity $ 402,831 $ 408,818 $ 423,044 $ 435,094 $ 444,410 $ 453,457 Less: intangible assets 84,751 84,482 84,214 83,957 83,723 83,513 Non-GAAP tangible
Slide 28: Appendix (non-GAAP reconciliation)
Appendix (non-GAAP reconciliation) (dollars in thousands) 2020 2021 2022 2023 2024 2025 Jun-26 YTD Total shareholders' equity $ 321,842 $ 351,903 $ 329,954 $ 367,444 $ 396,088 $ 435,094 $ 453,457 Less: intangible assets 63,112 61,949 87,973 86,372 85,044 83,957 83,513 Non-GAAP tangible shareholders'
Slide 29: Appendix (non-GAAP reconciliation)
Appendix (non-GAAP reconciliation) (dollars in thousands) 2020 2021 2022 2023 2024 2025 Jun-26 YTD Reported noninterest income $ 14,305 $ 16,271 $ 13,885 $ 14,636 $ 14,625 $ 15,461 $ 7,657 Less: BOLI benefit — 1,717 — — — — — Less: gain (loss) on sale of securities — — — (249) — — — Less: gain (loss
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 Total shareholders' equity $ 321,842 $ 351,903 $ 337,504 $ 329,954 $ 367,444 $ 396,088 $ 435,094 $ 444,410 $ 453,457 Less: intangible assets 63,112 61,949 87,569 87,