HOME BANCORP, INC. ANNOUNCES 2025 THIRD QUARTER RESULTS AND INCREASES QUARTERLY DIVIDEND BY 7%

About this update from Home Bancorp, Inc.

[{"type":"text","content":" LAFAYETTE, La. , Oct. 20, 2025 /PRNewswire/ -- Home Bancorp, Inc. (Nasdaq: "HBCP") (the "Company"), the parent company for Home Bank, N.A. (the "Bank") ( www.home24bank.com ), reported financial results for the third quarter of 2025. For the quarter, the Company reported net income of $12.4 million, or $1.59 per diluted common share ("diluted EPS"), up $1.0 million from $11.3 million, or $1.45 diluted EPS, for the second quarter of 2025.","length":478,"tagName":"p"},{"type":"image","alt":"Home Bank Logo. (PRNewsFoto/Home Bancorp, Inc.) (PRNewsFoto/)","displaySize":"","headline":null,"caption":"Home Bank Logo. (PRNewsFoto/Home Bancorp, Inc.) (PRNewsFoto/)","className":"","disableSlideshowImg":false,"size":{"original":{"width":400,"height":76,"url":"https://media.zenfs.com/en/prnewswire.com/27ed03165bbaad24a98f2d7fbde9fb52"},"resized":{"url":"https://s.yimg.com/ny/api/res/1.2/_K7uy68W6eksq4HzEO1h0g--/YXBwaWQ9aGlnaGxhbmRlcjt3PTcwNTtoPTEzNDtjZj13ZWJw/https://media.zenfs.com/en/prnewswire.com/27ed03165bbaad24a98f2d7fbde9fb52","width":400,"height":76}},"href":"https://mma.prnewswire.com/media/133210/home_bancorp__inc__logo.html","hrefExternal":true,"rel":"nofollow"},{"type":"text","content":""Our third quarter results reflect continued strength and stability of the Company," said John W. Bordelon, President and Chief Executive Officer of the Company and the Bank. "While loan production was slower during the quarter, deposit growth improved reducing our loan to deposit ratio down to our target of 91%. Financial performance remained strong with ROA of 1.41% and a six-basis point NIM expansion to 4.10% for the quarter. Credit metrics reflect an increase in nonperforming and criticized loans during the quarter, but we do not anticipate any losses. We remain focused on proactively identifying and resolving problem loans as quickly as possible."","length":680,"tagName":"p"},{"type":"text","content":" Third Quarter 2025 Highlights ","length":29,"tagName":"p"},{"type":"list","items":[{"val":[{"type":"text","content":"Loans totaled $2.7 billion at September 30, 2025, down $58.6 million, or 2.1% (a decrease of 8% on an annualized basis), from June 30, 2025.","length":150,"tagName":"p"}]},{"val":[{"type":"text","content":"Deposits totaled $3.0 billion at September 30, 2025, up $67.3 million, or 2.3% (an increase of 9% on an annualized basis), from June 30, 2025.","length":142,"tagName":"p"}]},{"val":[{"type":"text","content":"Net interest income in the third quarter of 2025 totaled $34.1 million, up $755,000, or 2%, from the prior quarter.","length":115,"tagName":"p"}]},{"val":[{"type":"text","content":"The net interest margin ("NIM") was 4.10% in the third quarter of 2025 compared to 4.04% in the second quarter of 2025.","length":129,"tagName":"p"}]},{"val":[{"type":"text","content":"Nonperforming assets totaled $30.9 million, or 0.88% of total assets, at September 30, 2025 compared to $25.4 million, or 0.73% of total assets, at June 30, 2025. This increase in nonperforming assets is primarily due to five loan relationships which were moved to nonaccrual status, partially offset by paydowns in the third quarter of 2025.","length":352,"tagName":"p"}]},{"val":[{"type":"text","content":"The Company recorded a $229,000 reversal to provision to the allowance for loan losses in the third quarter of 2025, compared to a $489,000 provision in the second quarter of 2025, primarily due to loan reduction which was partially offset by an increase in nonaccrual loans during the quarter.","length":299,"tagName":"p"}]}],"tagName":"ul","bulletedList":true,"length":1187,"olType":false},{"type":"text","content":" Loans ","length":5,"tagName":"p"},{"type":"text","content":"Loans totaled $2.7 billion at September 30, 2025, down $58.6 million, or 2.1%, from June 30, 2025. The following table summarizes the changes in the Company's loan portfolio, net of unearned income, from June 30, 2025 through September 30, 2025.","length":274,"tagName":"p"},{"type":"readMore"},{"type":"table","headerItems":[],"items":[{"val":[{"colspan":"1","rowspan":"1","style":"PADDING-RIGHT:0.17em;PADDING-LEFT:0.17em;VERTICAL-ALIGN:BOTTOM;","val":[{"type":"text","content":" (dollars in thousands) ","length":22,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"PADDING-RIGHT:0.83em;PADDING-LEFT:0.17em;VERTICAL-ALIGN:BOTTOM;TEXT-ALIGN:RIGHT;","val":[{"type":"text","content":" ","length":0,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"PADDING-RIGHT:0.17em;PADDING-LEFT:0.17em;VERTICAL-ALIGN:BOTTOM;TEXT-ALIGN:CENTER;","val":[{"type":"text","content":" 9/30/2025 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Yields on loans were impacted by higher rates on new loans and loans paying off at lower rates. We experienced a slow down in loan production and higher than usual pay downs resulting in loan reduction across most of our markets in the third quarter of 2025.","length":373,"tagName":"p"},{"type":"text","content":" Credit Quality and Allowance for Credit Losses ","length":46,"tagName":"p"},{"type":"text","content":"Nonperforming assets ("NPAs") totaled $30.9 million, or 0.88% of total assets, at September 30, 2025, up $5.5 million, or 22%, from $25.4 million, or 0.73% of total assets, at June 30, 2025. The increase in NPAs during the third quarter of 2025 was primarily due to five loan relationships totaling $9.4 million which were put on nonaccrual during the quarter, offset by payoffs and paydowns. During the third quarter of 2025, the Company recorded net loan charge-offs of $376,000, compared to net loan charge-offs of $335,000 during the second quarter of 2025.","length":581,"tagName":"p"},{"type":"text","content":"The Company reversed the provision to the allowance for loan losses in the amount of $229,000 in the third quarter of 2025. At September 30, 2025, the allowance for loan losses totaled $32.8 million, or 1.21% of total loans, compared to $33.4 million, or 1.21% of total loans, at June 30, 2025. Provisions to the allowance for loan losses are based upon, among other factors, our estimation of current expected losses in our loan portfolio, which we evaluate on a quarterly basis. Changes in expected losses consider various factors including the changing economic activity, borrower specific information impacting changes in risk ratings, projected delinquencies and the impact of industry-wide loan modification efforts, among other factors.","length":753,"tagName":"p"},{"type":"text","content":"The following tables present the Company's loan portfolio by credit quality classification as of September 30, 2025 and June 30, 2025.","length":148,"tagName":"p"},{"type":"table","headerItems":[],"items":[{"val":[{"colspan":"1","rowspan":"1","style":"PADDING-RIGHT:0.17em;PADDING-LEFT:0.17em;VERTICAL-ALIGN:BOTTOM;TEXT-ALIGN:RIGHT;","val":[{"type":"text","content":" ","length":0,"tagName":"p","attribs":{}}]},{"colspan":"8","rowspan":"1","style":"PADDING-RIGHT:0.17em;PADDING-LEFT:0.17em;VERTICAL-ALIGN:BOTTOM;TEXT-ALIGN:CENTER;","val":[{"type":"text","content":" September 30, 2025 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","length":0,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"PADDING-RIGHT:0.83em;PADDING-LEFT:0.17em;VERTICAL-ALIGN:BOTTOM;TEXT-ALIGN:RIGHT;","val":[{"type":"text","content":" ","length":0,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"PADDING-RIGHT:0.83em;PADDING-LEFT:0.17em;VERTICAL-ALIGN:BOTTOM;TEXT-ALIGN:RIGHT;","val":[{"type":"text","content":" ","length":0,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"PADDING-RIGHT:0.83em;PADDING-LEFT:0.17em;VERTICAL-ALIGN:BOTTOM;TEXT-ALIGN:RIGHT;","val":[{"type":"text","content":" ","length":0,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"PADDING-RIGHT:0.83em;PADDING-LEFT:0.17em;VERTICAL-ALIGN:BOTTOM;TEXT-ALIGN:RIGHT;","val":[{"type":"text","content":" ","length":0,"tagName":"p","attribs":{}}]}]}],"length":265},{"type":"text","content":"The total amounts of our uninsured deposits (deposits in excess of $250,000, as calculated in accordance with FDIC regulations) were $894.8 million at September 30, 2025 and $887.9 million at June 30, 2025. Public funds in excess of the FDIC insurance limits are fully collateralized.","length":299,"tagName":"p"},{"type":"text","content":" Net Interest Income ","length":19,"tagName":"p"},{"type":"text","content":"The net interest margin ("NIM") increased 6 basis points from 4.04% for the second quarter of 2025 to 4.10% for the third quarter of 2025, primarily due to an increase in average yield on interest-earnings assets and a decline in the average balance and cost for interest-bearing liabilities.","length":302,"tagName":"p"},{"type":"text","content":"The average cost of interest-bearing deposits increased by 5 basis point in the third quarter of 2025 compared to the second quarter of 2025. The increase in deposit costs was primarily due to a shift in higher cost certificates of deposit and money market accounts and a decrease in lower cost checking and savings accounts.","length":325,"tagName":"p"},{"type":"text","content":"Average other interest-earning assets were $99.7 million for the third quarter of 2025, up $28.6 million, or 40%, from the second quarter of 2025, primarily due to an increase in the average balance of cash and cash equivalents.","length":228,"tagName":"p"},{"type":"text","content":"Average FHLB advances were $39.4 million for the third quarter of 2025, a decrease of $74.6 million, or 65%, from the second quarter of 2025 due to paydowns of FHLB advances.","length":174,"tagName":"p"},{"type":"text","content":"Loan accretion income from acquired loans totaled $347,000 for the third quarter of 2025, down $9,000, or 3%, from the second...

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