Home Bancorp, Inc. · NASDAQ:HBCP
Home Bancorp — Q3 2025 Earnings Presentation
30 slides from Home Bancorp's earnings presentation, Oct 21, 2025
Slide 1: Q3 2025 Earnings Conference Call
Q3 2025 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 • 1 Commercial Banking Office in North Houston $3.5B Hi
Slide 4: Our Markets
Our Markets NATCHEZ LAFAYETTE Greater Acadiana Region TOTAL BRANCHES: 13 BATON ROUGE TOTAL BRANCHES: 4 NORTHSHORE HOUSTON TOTAL BRANCHES: 5 COMMERCIAL BANKING OFFICE: 1 NATCHEZ TOTAL BRANCHES: 3 LAFAYETTE/ACADIANA : NEW ORLEANS : TOTAL BRANCHES: 6 NEWORLEANS g/g wm NORTHSHORE TOTAL BRANCHES: 6 aw SO
Slide 5: Quarterly Financial Highlights
Quarterly Financial Highlights (dollars in thousands, except per share data) 2Q 2024 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 Profitability Net income $ 8,118 $ 9,437 $ 9,673 $ 10,964 $ 11,330 $ 12,357 Diluted EPS 1.02 1.18 1.21 1.37 1.45 1.59 Net interest income 29,393 30,382 31,586 31,749 33,351 34
Slide 6: Asset Growth
Asset Growth 4,000 Texan Bank - CAGR = 11.9% $416 MM as of September 30, 3,500 2025 St. Martin Bank & Trust - $597 MM 3,000 Bank of New Orleans - Home Bank Total Assets ($ in millions) $346 MM 2,500 Britton & Koontz Bank - $301 MM Guaranty 2,000 Savings Bank - $257 MM Statewide 1,500 Bank - $199 MM
Slide 7: Profitability
(1) Profitability Return on Average Assets Return on Average Equity 2.0% 16.0% 1.8% 14.0% 1.6% 11.8 11.9 11.5 1.39 12.0% 11.3 10.8 1.4% 1.27 1.32 1.26 1.25 9.9 1.2% 1.12 1.12 10.0% 8.9 8.5 1.04 1.0% 8.0% 1.76 14.4 0.8% 6.0% 1.41 11.6 11.0 11.2 11.8 0.6% 1.23 1.29 1.31 10.2 9.6 0.99 1.07 1.08 4.0% 7.
Slide 8: Loan Portfolio
Loan Portfolio (as of September 30, 2025) Composition Consumer Home Equity 1% 2,800 3% 3% Loan Balance Outstanding ($ in millions) 2,750 4% (8)% Multifamily 7% CRE O.O. Annualized Growth Rate 26% 7% 2,700 C&D 1% 12% 2,650 6% 1-4 Mortgage 6% C&I 18% 2,600 15% CRE N.O.O. 2,550 18% Market Diversificati
Slide 9: OO CRE Portfolio
OO CRE Portfolio (as of September 30, 2025) Average Rate Fixed Rate % % of Total % of OO Avg Loan Criticized 5.5% 71% dollars in thousands Balances Loans CRE Size Balances Convenience Store $ 153,690 6% 22 % $ 1,522 $ — Office 107,497 4 15 471 — Nonaccrual Convenience Store Warehouse Or Industrial 9
Slide 10: NOO CRE Portfolio, including Multifamily
NOO CRE Portfolio, including Multifamily (as of September 30, 2025) % of % of Total NOO Avg Loan Criticized Average Rate Fixed Rate % dollars in thousands Balances Loans CRE Size Balances 5.80% 71% Multifamily $ 184,022 7% 28 % $ 1,252 $ 1,291 Retail Multi-tenant 130,316 5 19 1,629 254 Multi Use Fac
Slide 11: CRE Non-Medical Office Exposure
CRE Non-Medical Office Exposure (as of September 30, 2025) NOO Office Exposure Average Rate Average Criticized NOO 5.3% Remaining dollars in thousands Balances % of Total Loans Avg Loan Size Balances OO 5.8% Maturity Baton Rouge $ 23,971 0.9 % $ 1,498 $ — NOO 6.0 yrs Houston 21,319 0.8 1,938 5,932 O
Slide 12: Commercial & Industrial
Commercial & Industrial (as of September 30, 2025) LOC Utilization Nonaccrual % of Avg Loan Criticized dollars in thousands Balances % of C&I Loans Size Balances Rate Balance Finance and Insurance 56,556 13.7 2.1 992 1,260 49% $1.2 million Professional Services $ 51,808 12.5 1.9 $ 123 $ — Retail 38,
Slide 13: C&D Portfolio
C&D Portfolio Composition (as of September 30, 2025) Total Average 1-4 Family Construction, 21% Balance Balance $326 million $543K Commercial Construction, 51% Lots, 3.0% $883K Development and Unimproved Land, on Nonaccrual 28% net charge-offs or $9.8 million since 2009 Historic Charge-off (Recovery
Slide 14: Loans & Securities - Repricing and Maturity
Loans & Securities - Repricing and Maturity (as of September 30, 2025) 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 $33
Slide 15: Changes in ALL
Changes in ALL 2021 2023 2024 2025 40 $2.4 $0.6 $2.3 $29.3 $(1.0) $(0.7) 30 $(0.1) ($ in millions) 20 $31.5 $32.9 $32.8 $29.3 10 0 Dec 2022 Organic Net Charge- Dec 2023 Organic Net Charge- Dec 2024 Organic Net Charge- Sep 2025 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% 350% 1.4% 1.30 300% 1.2% 267 304 250% 1.0% 0.88 200% 165 211 0.77 0.8% 0.6% 150% 106 0.75 0.49 0.45 0.34 0.60 100% 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 Sep-25 2019 2020 2021 2022 2023 2024 Sep-25
Slide 17: Investment Portfolio
Investment Portfolio 11% 2.4% of total assets Q3 yield (dollars in thousands) Book Value Gain/(loss) Eff. Duration $26.5 million 99.7% MBS $173,961 $(15,899) 4.2 unrealized loss ~ AFS Agency CMBS 152,296 (4,073) 2.2 6.4% of book value Muni 54,195 (5,320) 5.3 CMO 14,517 (466) 2.7 Agency 11,448 (497)
Slide 18: Deposits
Deposits (as of September 30, 2025) $35,636 Average deposit size 3,600 11% 11% 12% 9% 8% 7% 15% 17% 17% 15% 15% 16% 27% 3,000 17% 13% 24% 26% 28% 13% $ in millions Non-interest bearing deposit composition 25% 2,400 29% 31% 24% 21% 23% 9% 28% 30% 34% 28% 26% 27% Annualized 2025 growth rate 1,800 2020
Slide 19: Deposits
Deposits (as of September 30, 2025) Uninsured Deposits(1) Retail Business Public Broker Total FDIC Insured 44% 17% —% —% 61% Approximately $731 million or 25% of total deposits Uninsured (1) 8 17 — — 25 Reciprocal — 5 — — 5 Public Funds — — 6 — 6 Coverage of Brokered Deposits — — — 3 3 Uninsured Dep
Slide 20: Yields
Yields NIM (TE) 4.40% 4.10% 1.88% 4.20% 4.10 4.04 NIM for the quarter Cost of total deposits for 4.00% 3.94 3.91 ended September 2025 the quarter ended 3.82 September 2025 3.75 3.80% 3.69 3.71 3.64 3.66 3.60% 3.40% Total borrowings decreased $74.6 million 2Q 3Q 4Q 1Q 2Q 3Q 4Q 1Q 2Q 3Q for the quarte
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 5.2% 3.00% 100 2.7% 2.00% (100) (3.2)% 1.00% (200) (6.7)% —% 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 23 24 24
Slide 22: Noninterest Income & Expense
Noninterest Income & Expense Noninterest Income(1) / Assets 3Q 4Q 1Q 2Q 3Q (dollars in thousands) 0.65% 2024 2024 2025 2025 2025 0.62 Service fees and charges $ 1,291 $ 1,334 $ 1,309 $ 1,345 $ 1,408 0.60% 0.57 Bank card fees 1,613 1,586 1,578 1,750 1,646 0.54 0.55% Gain on sale of loans 195 62 377 1
Slide 23: Capital
Capital Dividends Per Share Share Repurchase Activity 1.50 Average *payable in November 2025 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 0.31 0.84 0.88 2020 530,504 26.41 14,011,605 0.22 0.23 0.24 0.25 0.26 * 0.22 0.29 2021 246,012 36.18 8,900,40
Slide 24: Capital
Capital Capital Ratios (Bank only) 20% 15.9 15.2 14.7 14.2 14.5 14.6 14.7 15% 13.6 13.3 13.4 14.0 13.0 13.3 12.4 11.9 11.0 11.4 11.5 11.5 10.4 9.8 10% 5% 0% 2021 2022 2023 2024 1Q 2025 2Q 2025 3Q 2025 Tier 1 leverage capital Common equity tier 1 Total risk-based capital Regulatory Capital and Adjust
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 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 Total shareholders' equity $ 372,285 $ 375,830 $ 393,453 $ 396,088 $ 402,831 $ 408,818 $ 423,044 Less: intangible assets 86,019 85,690 85,361 85,044 84,751 84,482
Slide 28: Appendix (non-GAAP reconciliation)
Appendix (non-GAAP reconciliation) (dollars in thousands) 2019 2020 2021 2022 2023 2024 Sep-25 YTD Total shareholders' equity $ 316,329 $ 321,842 $ 351,903 $ 329,954 $ 367,444 $ 396,088 $ 423,044 Less: intangible assets 64,472 63,112 61,949 87,973 86,372 85,044 84,214 Non-GAAP tangible shareholders'
Slide 29: Appendix (non-GAAP reconciliation)
Appendix (non-GAAP reconciliation) (dollars in thousands) 2019 2020 2021 2022 2023 2024 Sep-25 YTD Reported noninterest income $ 14,415 $ 14,305 $ 16,271 $ 13,885 $ 14,636 $ 14,625 $ 11,463 Less: BOLI benefit 1,194 — 1,717 — — — — Less: gain (loss) on sale of securities — — — — (249) — — Less: gain
Slide 30: Appendix (non-GAAP reconciliation)
Appendix (non-GAAP reconciliation) (dollars in thousands except for per share data) 2019 2020 2021 1Q2022 2022 2023 2024 1Q2025 2Q2025 3Q2025 Total shareholders' equity $ 316,329 $ 321,842 $ 351,903 $ 337,504 $ 329,954 $ 367,444 $ 396,088 $ 402,831 $ 408,818 $ 423,044 Less: intangible assets 64,472