HOME BANCORP, INC. ANNOUNCES 2025 FIRST QUARTER RESULTS, NEW SHARE REPURCHASE PLAN AND DECLARES A QUARTERLY DIVIDEND

About this update from Home Bancorp, Inc.

[{"type":"text","content":" LAFAYETTE, La. , April 21, 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 first quarter of 2025. For the quarter, the Company reported net income of $11.0 million , or $1.37 per diluted common share ("diluted EPS"), up $1.3 million from $9.7 million , or $1.21 diluted EPS, for the fourth quarter of 2024.","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":""The financial results for the first quarter of 2025 reflects a strong start for the year," said John W. Bordelon , President and Chief Executive Officer of the Company and the Bank. "We saw solid loan and deposit growth during the quarter and net interest margin expansion.  I am extremely proud of our team for making this possible and believe we are well positioned to assist our customers with opportunities that lie ahead."","length":452,"tagName":"p"},{"type":"text","content":" First Quarter 2025 Highlights ","length":29,"tagName":"p"},{"type":"list","items":[{"val":[{"type":"text","content":"Loans totaled $2.7 billion at March 31, 2025, up $29.1 million , or 1.1%, (an increase of 4% on an annualized basis) from December 31, 2024. ","length":149,"tagName":"p"}]},{"val":[{"type":"text","content":"Deposits totaled $2.8 billion at March 31, 2025 , up $46.5 million , or 1.7% (7% on an annualized basis), from December 31, 2024 . ","length":127,"tagName":"p"}]},{"val":[{"type":"text","content":"Net interest income in the first quarter of 2024 totaled $31.7 million , up $163,000 , or 1% from the prior quarter. ","length":114,"tagName":"p"}]},{"val":[{"type":"text","content":"The net interest margin ("NIM") was 3.91% in the first quarter of 2025 compared to 3.82% in the fourth quarter of 2024. ","length":129,"tagName":"p"}]},{"val":[{"type":"text","content":"Nonperforming assets totaled $21.5 million , or 0.62% of total assets, at March 31, 2025 compared to $15.6 million , or 0.45% of total assets, at December 31, 2024. This increase in nonperforming assets is primarily due to two loan relationships, which were classified as substandard in 2024 and moved to nonaccrual status in the first quarter of 2025. ","length":360,"tagName":"p"}]},{"val":[{"type":"text","content":"The Company recorded a $394,000 provision to the allowance for loan losses in the first quarter of 2025, compared to a $873,000 provision in the fourth quarter of 2024.","length":168,"tagName":"p"}]}],"tagName":"ul","bulletedList":true,"length":1047,"olType":false},{"type":"text","content":" Loans ","length":5,"tagName":"p"},{"type":"text","content":"Loans totaled $2.7 billion at March 31, 2025 , up $29.1 million , or 1.1%, from December 31, 2024 . 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of 2024. The flat loan yield was impacted by a few factors for the first quarter of 2025. Approximately 41% of the loan portfolio is adjustable, therefore the Federal Reserve rate cuts in mid-December 2024 impacted the full quarter in 2025. The net loan yield was lower by approximately 2 bps, or $155,000 , for the quarter due to two loan relationships transferring to nonaccrual during the first quarter of 2025. In addition, yields on loans were impacted by higher rates on new loans and loans paying off at lower rates. We experienced growth in commercial real estate loans for the current quarter across our Houston and Northshore markets and in multi-family residential loans across our New Orleans and Northshore markets.","length":840,"tagName":"p"},{"type":"readMore"},{"type":"text","content":" Credit Quality and Allowance for Credit Losses  ","length":46,"tagName":"p"},{"type":"text","content":"Nonperforming assets ("NPAs") totaled $21.5 million , or 0.62% of total assets, at March 31, 2025, up $5.9 million , or 38%, from $15.6 million , or 0.45% of total assets, at December 31, 2024. The increase in NPAs during the first quarter of 2025 was primarily due to two loan relationships totaling $5.6 million , which were put on nonaccrual during the quarter. During the first quarter of 2025, the Company recorded net loan charge-offs of $32,000 , compared to net loan charge-offs of $235,000 during the fourth quarter of 2024.","length":548,"tagName":"p"},{"type":"text","content":"The Company provisioned $394,000 to the allowance for loan losses in the first quarter of 2025. At March 31, 2025 , the allowance for loan losses totaled $33.3 million , or 1.21% of total loans, compared to $32.9 million , or 1.21% of total loans, at December 31, 2024 . 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, potential mitigating effects of governmental stimulus, borrower specific information impacting changes in risk ratings, projected delinquencies and the impact of industry-wide loan modification efforts, among other factors.","length":770,"tagName":"p"},{"type":"text","content":"The following tables present the Company's loan portfolio by credit quality classification as of March 31, 2025 and December 31, 2024.","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":" March 31, 2025 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