Home Bancorp, Inc. · NASDAQ:HBCP
Home Bancorp — Q3 2026 Earnings Presentation
30 slides from Home Bancorp's earnings presentation, Oct 19, 2026
Slide 1: Q3 2026 Earnings Conference Call
Q3 2026 Earnings Conference Call
Slide 2: 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 opinions of Home Bancorp, I
Slide 3: 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 Highlights: • Total Assets: $3.6 billion at September 30, 2026 • Market Cap: $51
Slide 4: Our Markets
Our Markets NATCHEE LAFAYETTE Greater Acadiana Region TOTAL BRANCHES: 13 BATON ROUGE TOTAL BRANCHES: 4 HOUSTON TOTAL BRANCHES: 6 NATCHEZ TOTAL BRANCHES: 3 NEW ORLEANS TOTAL BRANCHES: 6 NORTHSHORE TOTAL BRANCHES: 6 SOUTHWEST ACADIANA TOTAL BRANCHES: 5 Home ff Bancorpinc. | 4
Slide 5: Quarterly Financial Highlights
Quarterly Financial Highlights 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 35,915 Provision (reversal) for loan losses 4
Slide 6: Asset Growth
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 Sep- 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 - $301 MM Bank of New
Slide 7: Profitability
Profitability 0.99 1.76 1.07 1.23 1.08 1.33 1.30 1.31 1.12 1.12 1.04 1.25 1.27 1.12 1.32 1.39 1.38 1.21 GAAP Core pre-provision earnings 2020 2021 2022 2023 2024 2025 1Q 2026 2Q 2026 3Q 2026 0.0% 0.2% 0.4% 0.6% 0.8% 1.0% 1.2% 1.4% 1.6% 1.8% 2.0% Return on Average Assets 7.8 14.4 10.2 11.6 9.6 11.1 1
Slide 8: Loan Balance Outstanding
Lo an B al an ce O ut st an di ng ($ in m ill io ns ) A nnualized G row th R ate Total Loans Annualized Growth Rate 1Q 2024 3Q 2024 1Q 2025 3Q 2025 1Q 2026 3Q 2026 2,550 2,600 2,650 2,700 2,750 2,800 Loan Portfolio (as of September 30, 2026) CRE O.O. 28% 1-4 Mortgage 17% CRE N.O.O. 16% C&I 17% C&D 1
Slide 9: OO CRE Portfolio
OO CRE Portfolio (as of September 30, 2026) Geographic Exposure | 9 dollars in thousands Balances % of Total Loans % of OO CRE Avg Loan Size Criticized Balances Convenience Store $ 177,514 6 % 23 % $ 1,675 $ — Warehouse or Industrial 126,998 5 16 730 7,329 Office 112,128 4 14 494 785 Office Medical
Slide 10: NOO CRE Portfolio, including Multifamily
NOO CRE Portfolio, including Multifamily (as of September 30, 2026) Geographic Exposure New Orleans 42% Houston 19% Northshore 18% Acadiana 12% Baton Rouge 8% Other, 1% | 10 dollars in thousands Balances % of Total Loans % of NOO CRE Avg Loan Size Criticized Balances Multifamily $ 194,134 7 % 31 % $
Slide 11: CRE Non-Medical Office Exposure
CRE Non-Medical Office Exposure (as of September 30, 2026) | 11 Nonaccrual Balance NOO loans - $172,000 OO loans - $112,000 Total Non-Medical Office Loans $174.9 million or 6.3% of total loans NOO Geographic Exposure Baton Rouge 0.9% Houston 0.7% Norths hore 0.2% Acadiana 0.3% New Orlean s 0.1% doll
Slide 12: Commercial & Industrial
Commercial & Industrial (as of September 30, 2026) | 12 Nonaccrual Balance $6.7 million LOC Utilization Rate 47% Average Rate 7.1% Geographic Exposure Acadiana 42% Baton Rouge 14% Houston 11% New Orleans 11% Southwest LA 9% Northshore 7% Other 3% Natchez 3% dollars in thousands Balances % of C&I % o
Slide 13: C&D Portfolio
C&D Portfolio (as of September 30, 2026) Commercial Construction, 59% Lots, Development and Unimproved Land, 22% 1-4 Family Construction, 19% Composition | 13 Historic Charge-off (Recovery Rate) Charge-off (recovery) 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 202
Slide 14: Loans & Securities - Repricing and Maturity
Loans & Securities - Repricing and Maturity (as of September 30, 2026) | 14 Loan Repricing or Maturing Term Rate Structure Total Loans and Leases (1) dollars in millions Floating Rate* 3 mths or less 4 -12 Mths 1 - 3 Years 3 - 5 Years 5 - 7 Years 7+ Years Total Fixed Adjustable Residential mortgages
Slide 15: Changes in ALL and Loan Quality
($ in m illi on s) $31.5 $2.4 $(1.0) $1.1 $(0.9) $2.7 $(1.4) $31.5 $32.9 $33.1 $34.4 Dec 2023 Organic Provision Net Charge- offs Dec 2024 Organic Provision Net Charge- offs Dec 2025 Organic Provision Net Charge- offs Sep 2026 0 10 20 30 40 2025 (dollars in thousands) 9/30/2025 12/31/2025 3/31/2026 6
Slide 16: Credit Quality Trends
1.30 0.77 0.49 0.34 0.31 0.45 1.03 1.49 NPAs / Total Assets 2019 2020 2021 2022 2023 2024 2025 Sep-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 0.07 2019 2020 2021 2022 2023 2024 2025 Sep-26 YTD 0.00% 0.05% 0.10% 0.15% Net Charge-offs / Y
Slide 17: Investment Portfolio
Investment Portfolio | 17 (dollars in thousands) Book Value Gain/(loss) Eff. Duration MBS $207,568 $(21,164) 4.2 Agency CMBS 165,434 (6,337) 2.4 Muni 52,703 (7,587) 4.9 CMO 11,706 (670) 3.1 Agency 9,636 (694) 3.3 Corp 5,000 — 3.9 Total $452,047 $(36,452) 3.6 10 Year Investment Cash Flow 4% 22% 37% 4
Slide 18: Deposits
Acadiana 53% New Orleans 15% Houston 11% 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% 19% 11% 12% 9% 8% 7% 6% Demand deposits NOW Certificates of deposit Money Market Savings Balance 2021 2
Slide 19: Deposits and Cost of Deposits
Deposits (as of September 30, 2026) | 19 Retail Business Public Broker Total FDIC Insured 43% 17% —% —% 60% Uninsured (1) 7 18 — — 25 Reciprocal — 6 — — 6 Public Funds — — 7 — 7 Brokered Deposits — — — 2 2 Total 50% 41% 7% 2% 100% Cost of Deposits 1.52 1.63 1.75 1.73 1.68 1.71 1.76 1.71 1.65 1.72 1.
Slide 20: Yields
3.64 3.66 3.71 3.82 3.91 4.04 4.10 4.06 4.16 4.24 4.19 NIM 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 3Q 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 6.46 6.40 Loan Yield 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 6.00
Slide 21: Interest Rate Risk and Balance Sheet Composition
Rate Shock 1 Year % Change in NII 200 4.8% 100 2.5% (100) (3.3)% (200) (6.1)% % of assets 2019 2025 Q3 2026 Q3 Cash 2% 5% 5% Investments 12% 11% 12% Loans, excluding PPP 78% 77% 77% Other Assets 8% 7% 6% NMD - noninterest-bearing 20% 23% 23% NMD - interest-bearing 45% 38% 41% CDs 18% 24% 21% Total D
Slide 22: Noninterest Income and Expense
0.62 0.57 0.54 0.44 0.46 0.43 0.45 0.45 2019 2020 2021 2022 2023 2024 2025 Sep-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 2.77 2019 2020 2021 2022 2023 2024 2025 Sep- 26 YTD 2.00% 2.50% 3.00% 3.50% Noninterest Expense(1) / Assets (1)
Slide 23: Capital: Dividends, Tangible Book Value, Repurchases
0.84 0.88 0.91 0.93 1.00 1.01 1.14 1.26 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 0.29 0.320.22 0.22 0.23 0.24 0.25 0.26 0.31 0.32 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 29.6
Slide 24: Capital Ratios
9.8 10.4 11.0 11.4 11.8 12.1 12.1 12.3 14.7 12.4 13.0 13.3 14.1 14.4 14.4 14.9 15.9 13.6 14.2 14.5 15.3 15.6 15.6 16.1 Tier 1 leverage capital Common equity tier 1 Total risk-based capital 2021 2022 2023 2024 2025 1Q 2026 2Q 2026 3Q 2026 0% 5% 10% 15% 20% Capital Ratios (Bank only) Capital | 24 Home
Slide 25: Investment Perspective
Investment Perspective Is Strong earnings and shareholder returns Conservative, well-managed Market disruption 7A credit culture creates new opportunities Disciplined acquirer Insider owners committed to continual improvement py . Home f#fZ Bancorpinc. | 25
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? Bancorpinc. | 26
Slide 27: Non-GAAP Reconciliation (Quarterly)
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 shareholders' equity $ 324,336 $ 338,830 $ 351,137 $ 360,687 $ 369,944 $ 369,794
Slide 28: Non-GAAP Reconciliation (Annual)
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 (loss) on sale of assets — (504) 26 (27) 33 3 (1) Non-GAAP non
Slide 29: Non-GAAP Reconciliation (Tangible Equity)
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' equity $ 258,730 $ 289,954 $ 241,981 $ 281,072 $ 311,044
Slide 30: Appendix (non-GAAP reconciliation)
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 61,949 87,569 87,973 86,372 85,044 83,957 83,723 83,513 83,304 Non-GAAP tangible sha