Home Bancorp, Inc. · NASDAQ:HBCP
Home Bancorp — Q2 2025 Earnings Presentation
30 slides from Home Bancorp's earnings presentation, Jul 21, 2025
Slide 1: Q2 2025 Earnings Conference Call
Q2 2025 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 • 1 Commercial Banking Office in North Houston Highlights: • Total Assets: $3.5
Slide 4: Our Markets
Our Markets bso LAFAYETTE Greater Acadiana Region TOTAL BRANCHES: 13 BATON ROUGE TOTAL BRANCHES: 4 HOUSTON TOTAL BRANCHES: 5 COMMERCIAL BANKING OFFICE: 1 NATCHEZ TOTAL BRANCHES: 3 NEW ORLEANS TOTAL BRANCHES: 6 NEWORLEANS gf we NORTHSHORE a : ~ 2 TOTAL BRANCHES: 6 mw « ™~ SOUTHWEST ACADIANA ore, i” V
Slide 5: Quarterly Financial Highlights
Quarterly Financial Highlights 1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 2Q 2025 Profitability Net income $ 9,199 $ 8,118 $ 9,437 $ 9,673 $ 10,964 $ 11,330 Diluted EPS 1.14 1.02 1.18 1.21 1.37 1.45 Net interest income 28,901 29,393 30,382 31,586 31,749 33,351 Provision for loan losses 141 1,261 140 87
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 Jun- 25 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 - $301 MM Bank of New Orlea
Slide 7: Profitability
Profitability 0.99 1.76 1.07 1.23 1.08 1.29 1.31 1.12 1.04 1.25 1.27 1.12 1.32 1.26 GAAP Core pre-provision earnings 2020 2021 2022 2023 2024 1Q 2025 2Q 2025 0.0% 0.2% 0.4% 0.6% 0.8% 1.0% 1.2% 1.4% 1.6% 1.8% 2.0% Return on Average Assets 7.8 14.4 10.2 11.6 9.6 11.0 11.2 8.9 8.5 11.8 11.9 9.9 11.3 10
Slide 8: Loan Balance Outstanding
Lo an B al an ce O ut st an di ng ($ in m ill io ns ) A nnualized G row th R ate Total Loans Annualized Growth Rate 4Q 2023 1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 2Q 2025 2,500 2,550 2,600 2,650 2,700 2,750 2,800 Loan Portfolio (as of June 30, 2025) CRE O.O. 26% 1-4 Mortgage 18% CRE N.O.O. 18% C&I
Slide 9: OO CRE Portfolio
OO CRE Portfolio (as of June 30, 2025) Geographic Exposure Houston, 34% Acadiana, 26% New Orleans 16% Northshore 12% Baton Rouge 10% Mississippi, 1% Southwest LA, 1% | 9 dollars in thousands Balances % of Total Loans % of OO CRE Avg Loan Size Criticized Balances Convenience Store $ 151,162 6 % 21 %
Slide 10: NOO CRE Portfolio, including Multifamily
NOO CRE Portfolio, including Multifamily (as of June 30, 2025) Geographic Exposure New Orleans 39% Houston 22% Northshore 20% Acadiana 12% Baton Rouge 5% Other, 2% | 10 dollars in thousands Balances % of Total Loans % of NOO CRE Avg Loan Size Criticized Balances Multifamily $ 183,809 7 % 27 % $ 1,26
Slide 11: CRE Non-Medical Office Exposure
CRE Non-Medical Office Exposure (as of June 30, 2025) | 11 Nonaccrual Balance NOO loans - $0.0 OO loans - $0.0 Total Non-Medical Office Loans $176.0 million or 6.4% 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 thousa
Slide 12: Commercial & Industrial
Commercial & Industrial (as of June 30, 2025) | 12 Nonaccrual Balance $1.3 million LOC Utilization Rate 51% Average Rate 7.4% Geographic Exposure Acadiana 40% Baton Rouge 17% New Orleans 10% Northshore 9% Houston 9% Southwest LA 7% Other 6% Natchez 2% dollars in thousands Balances % of C&I % of Loan
Slide 13: C&D Portfolio
C&D Portfolio (as of June 30, 2025) Commercial Construction, 50% Lots, Development and Unimproved Land, 31% 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 Jun- 25
Slide 14: Loans & Securities - Repricing and Maturity
Loans & Securities - Repricing and Maturity (as of June 30, 2025) | 14 Loan Repricing or Maturing Term Rate Structure Total Loans and Leases (1) dollars in millions 3 mths or less 4 -12 Mths 1 - 3 Years 3 - 5 Years 5 - 7 Years 7+ Years Total Fixed Adjustable Residential mortgages $48 $58 $127 $111 $
Slide 15: Changes in ALL
($ in m illi on s) $29.3 $2.3 $(0.1) $2.4 $(1.0) $0.9 $(0.4) $29.3 $31.5 $32.9 $33.4 Dec 2022 Organic Provision Net Charge- offs Dec 2023 Organic Provision Net Charge- offs Dec 2024 Organic Provision Net Charge- offs Jun 2025 0 10 20 30 40 2024 (dollars in thousands) 6/30/2024 9/30/2024 12/31/2024 3
Slide 16: Credit Quality Trends
1.30 0.77 0.49 0.34 0.31 0.45 0.73 0.75 0.40 0.28 0.14 0.20 0.32 0.47 NPAs / Total Assets Originated NPAs / Total Assets 2019 2020 2021 2022 2023 2024 Jun-25 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 2019 2020 2021 2022 2023 2024 Jun-25 Y
Slide 17: Investment Portfolio
Investment Portfolio | 17 (dollars in millions) Book Value Gain/(loss) Eff. Duration MBS $181 $(17) 4.4 Agency CMBS 152 (5) 2.3 Muni 54 (6) 5.6 CMO 15 (1) 2.9 Agency 17 (1) 2.5 Corp 5 — 0.7 Total $425 $(30) 3.6 10 Year Investment Cash Flow 8% 25% 42% 56% 66% 73% 79% 84% 88% 92% Expected Principal Ca
Slide 18: Deposits
Acadiana 54% New Orleans 14% Houston 11% Northshore 10% Mississippi, 7% Baton Rouge, 4% $ in m illi on s 28% 30% 34% 28% 26% 27% 29% 31% 25% 24% 23% 22% 17% 13% 13% 24% 26% 28% 15% 15% 16% 15% 17% 16% 11% 11% 12% 9% 8% 7% Demand deposits NOW Certificates of deposit Money Market Savings Balance 2020
Slide 19: Deposits and Funding Availability
Deposits (as of June 30, 2025) | 19 Retail Business Public Broker Total FDIC Insured 45% 17% —% —% 62% Uninsured (1) 7 17 — — 24 Reciprocal — 4 — — 4 Public Funds — — 7 — 7 Brokered Deposits — — — 3 3 Total 52% 38% 7% 3% 100% Cost of Deposits 0.93 1.20 1.42 1.52 1.63 1.75 1.73 1.68 1.71 2.49 3.40 4.
Slide 20: Yields
3.94 3.75 3.69 3.64 3.66 3.71 3.82 3.91 4.04 NIM 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3.40% 3.60% 3.80% 4.00% 4.20% 4.40% NIM (TE) 5.82 5.95 6.08 6.18 6.28 6.43 6.43 6.43 6.50 Loan Yield 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 5.00% 5.50% 6.00% 6.50% 7.00% Yield on Loa
Slide 21: Interest Rate Risk and Balance Sheet Composition
Rate Shock 1 Year % Change in NII 200 3.8% 100 2.0% (100) (2.4)% (200) (5.2)% % of assets 2019 2024 Q2 2025 Q2 Cash 2% 3% 3% Investments 12% 12% 11% Loans, excluding PPP 78% 78% 79% Other Assets 8% 7% 7% NMD - noninterest-bearing 20% 22% 23% NMD - interest-bearing 45% 37% 37% CDs 18% 21% 23% Total D
Slide 22: Noninterest Income and Expense
0.62 0.57 0.54 0.44 0.46 0.43 0.45 2019 2020 2021 2022 2023 2024 Jun-25 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 2.57 2019 2020 2021 2022 2023 2024 Jun-25 YTD 2.00% 2.50% 3.00% 3.50% Noninterest Expense(1) / Assets (1) Excludes non-core ite
Slide 23: Capital
0.84 0.88 0.91 0.93 1.00 1.01 0.83 0.20 0.22 0.22 0.23 0.25 0.25 0.27 0.21 0.22 0.23 0.23 0.25 0.25 0.27 0.21 0.22 0.23 0.23 0.25 0.25 0.290.22 0.22 0.23 0.24 0.25 0.26 Q1 Q2 Q3 Q4 2019 2020 2021 2022 2023 2024 2025 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 41
Slide 24: Capital Ratios
9.8 10.4 11.0 11.4 11.5 11.5 14.7 12.4 13.0 13.3 13.3 13.4 15.9 13.6 14.2 14.5 14.6 14.7 Tier 1 leverage capital Common equity tier 1 Total risk-based capital 2021 2022 2023 2024 1Q 2025 2Q 2025 0% 5% 10% 15% 20% Capital Ratios (Bank only) Capital | 24 Home Bank, N.A. Home Bancorp, Inc. As Reported
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
1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 2Q 2025 Total shareholders' equity $ 372,285 $ 375,830 $ 393,453 $ 396,088 $ 402,831 $ 408,818 Less: intangible assets 86,019 85,690 85,361 85,044 84,751 84,482 Non-GAAP tangible shareholders' equity $ 286,266 $ 290,140 $ 308,092 $ 311,044 $ 318,080 $ 324,336
Slide 28: Non-GAAP reconciliation
2019 2020 2021 2022 2023 2024 Jun-25 YTD Total shareholders' equity $ 316,329 $ 321,842 $ 351,903 $ 329,954 $ 367,444 $ 396,088 $ 408,818 Less: intangible assets 64,472 63,112 61,949 87,973 86,372 85,044 84,482 Non-GAAP tangible shareholders' equity $ 251,857 $ 258,730 $ 289,954 $ 241,981 $ 281,072
Slide 29: Non-GAAP reconciliation
2019 2020 2021 2022 2023 2024 Jun-25 YTD Reported noninterest income $ 14,415 $ 14,305 $ 16,271 $ 13,885 $ 14,636 $ 14,625 $ 7,725 Less: BOLI benefit 1,194 — 1,717 — — — — Less: gain (loss) on sale of securities — — — — (249) — — Less: gain (loss) on sale of assets (347) — (504) 26 (27) 33 7 Non-GAA
Slide 30: Appendix (non-GAAP reconciliation)
2019 2020 2021 1Q2022 2022 2023 2024 1Q2025 2Q2025 Total shareholders' equity $ 316,329 $ 321,842 $ 351,903 $ 337,504 $ 329,954 $ 367,444 $ 396,088 $ 402,831 $ 408,818 Less: intangible assets 64,472 63,112 61,949 87,569 87,973 86,372 85,044 84,751 84,482 Non-GAAP tangible shareholders' equity $ 251,