HOME BANCORP ANNOUNCES 2024 FOURTH QUARTER RESULTS AND INCREASES QUARTERLY DIVIDEND BY 4%

, /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 fourth quarter of 2024. For the quarter, the Company reported net income of $9.7 million, or $1.21 per diluted common share ("diluted EPS"), up $236,000, or 3%, from $9.4 million, or $1.18 diluted EPS, for the third quarter of 2024. "We are very excited about the improvement in our NIM and our overall fourth quarter results," said John W. Bordelon, President and Chief Executive Officer of the Company and the Bank. "During the fourth quarter, we had strong loan growth with a modest increase in deposits and improvement in our nonperforming assets, which resulted in strong profitability. The net interest margin increased to 3.82% for the quarter primarily due to our ability to manage lower funding cost and obtain over 7% annualized loan growth. We are confident that our vibrant markets, credit-focused culture, and strong capital levels have positioned us to continue the momentum in 2025." Fourth Quarter 2024 Highlights Loans totaled $2.7 billion at December 31, 2024, up $49.9 million, or 2% (an increase of 7% on an annualized basis), from September 30, 2024. Deposits totaled $2.8 billion at December 31, 2024, up $3.2 million, or less than 1% (less than 1% on an annualized basis), from September 30, 2024. Net interest income in the fourth quarter of 2024 totaled $31.6 million, up $1.2 million, or 4%, from the prior quarter. The net interest margin ("NIM") increased 11 basis points from 3.71% for the third quarter of 2024 to 3.82% in the fourth quarter of 2024 primarily due to lower funding cost and flat yield on interest earning assets. Nonperforming assets totaled $15.6 million, or 0.45% of total assets, at December 31, 2024, down $2.7 million, or 15%, from September 30, 2024, primarily due to improved performance of certain loans, including nonperforming loans, and paydowns. The Company recorded a $873,000 provision to the allowance for loan losses in the fourth quarter of 2024, compared to a $140,000 provision in the third quarter of 2024, primarily due to loan growth. Net loan charge-offs were $235,000 for the fourth quarter of 2024, compared to net loan charge-offs of $74,000 during the third quarter of 2024. Year-to-date net loan charge offs to average loans was 0.04% at December 31, 2024. Loans Loans totaled $2.7 billion at December 31, 2024, up $49.9 million, or 2%, from September 30, 2024. The following table summarizes the changes in the Company's loan portfolio from September 30, 2024 to December 31, 2024. December 31, September 30, Increase (Decrease) (dollars in thousands) 2024 2024 Amount Percent Real estate loans: One- to four-family first mortgage $ 501,225 $ 502,784 $ (1,559) — % Home equity loans and lines 79,097 80,935 (1,838) (2) Commercial real estate 1,158,781 1,143,152 15,629 1 Construction and land 352,263 329,787 22,476 7 Multi-family residential 178,568 169,443 9,125 5 Total real estate loans 2,269,934 2,226,101 43,833 2 Other loans: Commercial and industrial 418,627 412,753 5,874 1 Consumer 29,624 29,432 192 1 Total other loans 448,251 442,185 6,066 1 Total loans $ 2,718,185 $ 2,668,286 $ 49,899 2 % The average loan yield was 6.43% for the fourth quarter of 2024, which was unchanged from the third quarter of 2024. The flat loan yield was impacted by a few factors for the fourth quarter of 2024. 39% of the loan portfolio is adjustable therefore the yield began declining in mid-September 2024 as the Federal Reserve cut rates. The net loan yield was higher by approximately 3 bps, or $189,000, for the quarter due to a nonperforming relationship paying off during the quarter which was offset slightly from loans transferring to nonperforming. In addition, yields on loans were impacted by higher rates on new loans and loans paying off at lower rates. We experienced growth in construction and land, commercial real estate and multi-family loans for the current quarter across most of our markets. Credit Quality and Allowance for Loan Losses Nonperforming assets ("NPAs"), totaled $15.6 million, or 0.45% of total assets at December 31, 2024, down $2.7 million, or 15%, from $18.4 million, or 0.53% of total assets, at September 30, 2024. The Company recorded net loan charge-offs of $235,000 during the fourth quarter of 2024, compared to net loan charge-offs of $74,000 for the third quarter of 2024. The Company made a $873,000 provision to the allowance for loan losses in the fourth quarter of 2024 primarily due to loan growth. For the year ended December 31, 2024, provisions to the allowance for loan losses totaled $2.4 million. At December 31, 2024, the allowance for loan losses totaled $32.9 million, or 1.21% of total loans, compared to $32.3 million, or 1.21% of total loans, at September 30, 2024. Changes in expected losses reflect various factors including the changing economic activity, potential mitigating effects of governmental stimulus, customer specific information impacting changes in risk ratings, projected delinquencies and the impact of industry-wide loan modification efforts, among other factors. The following tables present the Company's loan portfolio by credit quality classification as of December 31, 2024 and September 30, 2024. December 31, 2024 (dollars in thousands) Pass Special Mention Substandard Total One- to four-family first mortgage $ 493,368 $ 823 $ 7,034 $ 501,225 Home equity loans and lines 78,818 — 279 79,097 Commercial real estate 1,140,240 — 18,541 1,158,781 Construction and land 347,039 — 5,224 352,263 Multi-family residential 177,638 — 930 178,568 Commercial and industrial 414,872 — 3,755 418,627 Consumer 29,597 — 27 29,624 Total $ 2,681,572 $ 823 $ 35,790 $ 2,718,185 September 30, 2024 (dollars in thousands) Pass Special Mention Substandard Total One- to four-family first mortgage $ 494,180 $ 859 $ 7,745 $ 502,784 Home equity loans and lines 80,729 — 206 80,935 Commercial real estate 1,125,331 — 17,821 1,143,152 Construction and land 323,751 308 5,728 329,787 Multi-family residential 168,513 — 930 169,443 Commercial and industrial 409,388 1,248 2,117 412,753 Consumer 29,302 — 130 29,432 Total $ 2,631,194 $ 2,415 $ 34,677 $ 2,668,286 Investment Securities The Company's investment securities portfolio totaled $403.9 million at December 31, 2024, a decrease of $17.9 million, or 4%, from September 30, 2024. At December 31, 2024, the Company had a net unrealized loss position on its investment securities of $41.0 million, compared to a net unrealized loss of $32.2 million at September 30, 2024. The Company's investment securities portfolio had an effective duration of 3.9 years and 3.7 years at December 31, 2024 and September 30, 2024, respectively. The Company made securities purchases of $5.6 million during the fourth quarter of 2024, compared to $4.9 million during third quarter of 2024. No other purchases or sales of securities were made during the year. The following table summarizes the composition of the Company's investment securities portfolio at December 31, 2024. (dollars in thousands) Amortized Cost Fair Value Available for sale: U.S. agency mortgage-backed $ 291,351 $ 261,873 Collateralized mortgage obligations 73,931 71,389 Municipal bonds 53,458 45,829 U.S. government agency 18,079 17,128 Corporate bonds 6,985 6,573 Total available for sale $ 443,804 $ 402,792 Held to maturity: Municipal bonds $ 1,065 $ 1,065 Total held to maturity $ 1,065 $ 1,065 Approximately 33% of the investment securities portfolio was pledged as of December 31, 2024 to secure public deposits. In the fourth quarter of 2024, the Company paid off its $135.0 million loan with the Federal Reserve Bank Term Funding Program ("BTFP"). As of December 31, 2024 and September 30, 2024, the Company had $134.9 million and $142.0 million, respectively, of securities pledged to secure public deposits and none and $135.0 million, respectively, pledged to the BTFP borrowings. Deposits Total deposits were $2.8 billion at December 31, 2024, up $3.2 million, or less than 1%, from September 30, 2024. Non-maturity deposits decreased $6.4 million, or less than 1% during the fourth quarter of 2024 to $2.0 billion. The following table summarizes the changes in the Company's deposits from September 30, 2024 to December 31, 2024. December 31, September 30, Increase/(Decrease) (dollars in thousands) 2024 2024 Amount Percent Demand deposits $ 733,073 $ 740,854 $ (7,781) (1) % Savings 210,977 215,815 (4,838) (2) Money market 457,483 452,456 5,027 1 NOW 645,246 644,061 1,185 — Certificates of deposit 733,917 724,301 9,616 1 Total deposits $ 2,780,696 $ 2,777,487 $ 3,209 — % The average rate on interest-bearing deposits decreased 12 basis points from 2.78% for the third quarter of 2024 to 2.66% for the fourth quarter of 2024. At December 31, 2024, certificates of deposit maturing within the next 12 months totaled $693.3 million, or 94%, with 58% of the balance maturing in the first quarter of 2025. We obtain most of our deposits from individuals, small businesses and public funds in our market areas. The following table presents our deposits per customer type for the periods indicated. December 31, 2024 September 30, 2024 Individuals 53 % 52 % Small businesses 37 38 Public funds 7 7 Broker 3 3 Total 100 % 100 % The total amounts of our uninsured deposits (deposits in excess of $250,000, as calculated in accordance with FDIC regulations) were $813.6 million at December 31, 2024 and $818.7 million at September 30, 2024. Public funds in excess of the FDIC insurance limits are fully collateralized. Net Interest Income The net interest margin ("NIM") increased 11 basis points from 3.71% for the third quarter of 2024 to 3.82% for the fourth quarter of 2024 primarily due to a decline in the funding cost for average interest-bearing liabilities while the yield on average interest-earning assets remained unchanged. The average cost of interest-bearing deposits decreased by 12 basis points in the fourth quarter of 2024 compared to the third quarter of 2024. The decrease in deposit costs primarily reflects the decline in certificate of deposit rates as they matured. Average other interest-earning assets were $97.5 million for the fourth quarter of 2024, up $17.8 million, or 22%, from the third quarter of 2024 primarily due to an increase in the average balance of cash and cash equivalents. Loan accretion income from acquired loans totaled $421,000 for the fourth quarter of 2024, down $31,000, or 7%, compared to the third quarter of 2024. Average other borrowings were $107.8 million for the fourth quarter of 2024, down $32.8 million, 23%, from the third quarter of 2024 primarily due to the payoff of the BTFP loan, which was replaced with short-term FHLB advances. The average rate paid on total interest-bearing deposits was 2.66% for the fourth quarter of 2024, down 12 basis points from the third quarter of 2024, due to the lower funding cost. The average rate paid on certificate of deposits was 4.33% for the fourth quarter of 2024, down 26 basis points from the third quarter of 2024. The following table summarizes the Company's average volume and rate of its interest-earning assets and interest-bearing liabilities for the periods indicated. Taxable equivalent ("TE") yields on investment securities have been calculated using a marginal tax rate of 21%. For the Three Months Ended December 31, 2024 September 30, 2024 (dollars in thousands) Average Balance Interest Average Yield/ Rate Average Balance Interest Average Yield/ Rate Interest-earning assets: Loans receivable $ 2,686,188 $ 43,978 6.43 % $ 2,668,672 $ 43,711 6.43 % Investment securities (TE) 449,216 2,703 2.42 454,024 2,677 2.38 Other interest-earning assets 97,492 1,123 4.58 79,668 991 4.95 Total interest-earning assets $ 3,232,896 $ 47,804 5.82 % $ 3,202,364 $ 47,379 5.82 % Interest-bearing liabilities: Deposits: Savings, checking, and money market $ 1,311,815 $ 5,721 1.73 % $ 1,266,465 $ 5,571 1.75 % Certificates of deposit 723,764 7,885 4.33 722,717 8,337 4.59 Total interest-bearing deposits 2,035,579 13,606 2.66 1,989,182 13,908 2.78 Other borrowings 107,767 1,279 4.72 140,539 1,673 4.74 Subordinated debt 54,427 848 6.23 54,374 844 6.21 FHLB advances 52,926 485 3.63 56,743 572 3.99 Total interest-bearing liabilities $ 2,250,699 $ 16,218 2.87 % $ 2,240,838 $ 16,997 3.02 % Noninterest-bearing deposits $ 754,133 $ 741,386 Net interest spread (TE) 2.95 % 2.80 % Net interest margin (TE) 3.82 % 3.71 % Noninterest Income Noninterest income for the fourth quarter of 2024 totaled $3.6 million, down $63,000, or 2%, from the third quarter of 2024. The decrease was related primarily to decreases in gains on sale of loans (down $133,000) and bank card fees (down $27,000), which were partially offset by increases in gains on sale of assets, net (up $49,000) and service fees and charges (up $43,000) for the fourth quarter of 2024 compared to the third quarter of 2024. Noninterest Expense Noninterest expense for the fourth quarter of 2024 totaled $22.4 million, up $97,000, or less than 1%, compared to the third quarter of 2024. The increase was primarily due to increases in marketing and advertising (up $285,000), compensation and benefits (up $256,000) and provision for credit losses on unfunded commitments (up $240,000), which were partially offset by decreases in occupancy expense (down $390,000), data processing and communications (down $120,000), other noninterest expense (down $120,000), franchise and shares taxes (down $88,000) and professional services (down $34,000). Capital and Liquidity At December 31, 2024, shareholders' equity totaled $396.1 million, up $2.6 million, or 1%, compared to $393.5 million at September 30, 2024. The increase was primarily due to the Company's earnings of $9.7 million during the fourth quarter of 2024, which were partially offset by an increase in accumulated other comprehensive loss on available for sale investment securities and shareholder's dividends and repurchases of shares of the Company's common stock. The market value of the Company's available for sale securities at December 31, 2024 decreased $8.8 million, or 27%, during the fourth quarter of 2024. Preliminary Tier 1 leverage capital and total risk-based capital ratios were 11.38% and 14.51%, respectively, at December 31, 2024, compared to 11.32% and 14.74%, respectively, at September 30, 2024. The following table summarizes the Company's primary and secondary sources of liquidity which were available at December 31, 2024. (dollars in thousands) December 31, 2024 Cash and cash equivalents $ 98,548 Unencumbered investment securities, amortized cost 122,686 FHLB advance availability 1,088,068 Amounts available from unsecured lines of credit 55,000 Federal Reserve discount window availability 500 Total primary and secondary sources of available liquidity $ 1,364,802 Dividend and Share Repurchases The Company announced that its Board of Directors declared a quarterly cash dividend on shares of its common stock of $0.27 per share payable on February 21, 2025, to shareholders of record as of February 10, 2025. The Company repurchased 2,000 shares of its common stock during the fourth quarter of 2024 at an average price per share of $49.11. At December 31, 2024, an additional 311,812 shares remain eligible for purchase under the 2023 Repurchase Plan. The book value per share and tangible book value per share of the Company's common stock was $48.95 and $38.44, respectively, at December 31, 2024. Conference Call Executive management will host a conference call to discuss fourth quarter 2024 results on Tuesday, January 28, 2025 at 7:30 a.m. CDT. Analysts, investors and interested parties may attend the conference call by dialing toll free 1.646.357.8785 (US Local/International) or 1.800.836.8184 (US Toll Free). The investor presentation can be accessed the day of the presentation on the Home Bancorp, Inc. website at https://home24bank.investorroom.com. A replay of the conference call and a transcript of the call will be posted to the Investor Relations page of the Company's website, https://home24bank.investorroom.com. Non-GAAP Reconciliation This news release contains financial information determined by methods other than in accordance with generally accepted accounting principles ("GAAP"). The Company's management uses this non-GAAP financial information in its analysis of the Company's performance. In this news release, information is included which excludes intangible assets. Management believes the presentation of this non-GAAP financial information provides useful information that is helpful to a full understanding of the Company's financial position and operating results. This non-GAAP financial information should not be viewed as a substitute for financial information determined in accordance with GAAP, nor is it necessarily comparable to non-GAAP financial information presented by other companies. A reconciliation of non-GAAP information included herein to GAAP is presented below. For the Three Months Ended (dollars in thousands, except per share data) December 31, 2024 September 30, 2024 December 31, 2023 Reported net income $ 9,673 $ 9,437 $ 9,385 Add: Core deposit intangible amortization, net tax 250 259 298 Non-GAAP tangible income $ 9,923 $ 9,696 $ 9,683 Total assets $ 3,443,668 $ 3,441,990 $ 3,320,122 Less: Intangible assets 85,044 85,361 86,372 Non-GAAP tangible assets $ 3,358,624 $ 3,356,629 $ 3,233,750 Total shareholders' equity $ 396,088 $ 393,453 $ 367,444 Less: Intangible assets 85,044 85,361 86,372 Non-GAAP tangible shareholders' equity $ 311,044 $ 308,092 $ 281,072 Return on average equity 9.71 % 9.76 % 10.61 % Add: Average intangible assets 2.99 3.14 3.92 Non-GAAP return on average tangible common equity 12.70 % 12.90 % 14.53 % Common equity ratio 11.50 % 11.43 % 11.07 % Less: Intangible assets 2.24 2.25 2.38 Non-GAAP tangible common equity ratio 9.26 % 9.18 % 8.69 % Book value per share $ 48.95 $ 48.75 $ 45.04 Less: Intangible assets 10.51 10.58 10.59 Non-GAAP tangible book value per share $ 38.44 $ 38.17 $ 34.45 This news release contains certain forward-looking statements. Forward-looking statements can be identified by the fact that they do not relate strictly to historical or current facts. They often include the words "believe," "expect," "anticipate," "intend," "plan," "estimate" or words of similar meaning, or future or conditional verbs such as "will," "would," "should," "could" or "may." Forward-looking statements, by their nature, are subject to risks and uncertainties. A number of factors - many of which are beyond our control - could cause actual conditions, events or results to differ significantly from those described in the forward-looking statements. Home Bancorp's Annual Report on Form 10-K for the year ended December 31, 2023, describes some of these factors, including risk elements in the loan portfolio, the level of the allowance for credit losses, risks of our growth strategy, geographic concentration of our business, dependence on our management team, risks of market rates of interest and of regulation on our business and risks of competition. Forward-looking statements speak only as of the date they are made. We do not undertake to update forward-looking statements to reflect circumstances or events that occur after the date the forward-looking statements are made or to reflect the occurrence of unanticipated events. HOME BANCORP, INC. AND SUBSIDIARY CONDENSED STATEMENTS OF FINANCIAL CONDITION (Unaudited) (dollars in thousands) December 31, 2024 September 30, 2024 % Change December 31, 2023 Assets Cash and cash equivalents $ 98,548 $ 135,877 (27) % $ 75,831 Interest-bearing deposits in banks — — — 99 Investment securities available for sale, at fair value 402,792 420,723 (4) 433,926 Investment securities held to maturity 1,065 1,065 — 1,065 Mortgage loans held for sale 832 242 244 361 Loans, net of unearned income 2,718,185 2,668,286 2 2,581,638 Allowance for loan losses (32,916) (32,278) (2) (31,537) Total loans, net of allowance for loan losses 2,685,269 2,636,008 2 2,550,101 Office properties and equipment, net 42,324 42,659 (1) 41,980 Cash surrender value of bank-owned life insurance 48,421 48,139 1 47,321 Goodwill and core deposit intangibles 85,044 85,361 — 86,372 Accrued interest receivable and other assets 79,373 71,916 10 83,066 Total Assets $ 3,443,668 $ 3,441,990 — $ 3,320,122 Liabilities Deposits $ 2,780,696 $ 2,777,487 — % $ 2,670,624 Other Borrowings 5,539 140,539 (96) 5,539 Subordinated debt, net of issuance cost 54,459 54,402 — 54,241 Federal Home Loan Bank advances 175,546 38,410 357 192,713 Accrued interest payable and other liabilities 31,340 37,699 (17) 29,561 Total Liabilities 3,047,580 3,048,537 — 2,952,678 Shareholders' Equity Common stock 81 81 — % 81 Additional paid-in capital 168,138 166,743 1 165,823 Common stock acquired by benefit plans (1,339) (1,428) 6 (1,697) Retained earnings 259,190 251,692 3 234,619 Accumulated other comprehensive loss (29,982) (23,635) (27) (31,382) Total Shareholders' Equity 396,088 393,453 1 367,444 Total Liabilities and Shareholders' Equity $ 3,443,668 $ 3,441,990 — $ 3,320,122 HOME BANCORP, INC. AND SUBSIDIARY CONDENSED STATEMENTS OF INCOME (Unaudited) For the Three Months Ended (dollars in thousands, except per share data) December 31, 2024 September 30, 2024 % Change December 31,2023 % Change Interest Income Loans, including fees $ 43,978 $ 43,711 1 % $ 39,820 10 % Investment securities 2,703 2,677 1 2,837 (5) Other investments and deposits 1,123 991 13 742 51 Total interest income 47,804 47,379 1 43,399 10 Interest Expense Deposits 13,606 13,908 (2) % 10,536 29 % Other borrowings 1,279 1,673 (24) 53 2313 Subordinated debt expense 848 844 — 844 — Federal Home Loan Bank advances 485 572 (15) 2,684 (82) Total interest expense 16,218 16,997 (5) 14,117 15 Net interest income 31,586 30,382 4 29,282 8 Provision for loan losses 873 140 524 665 31 Net interest income after provision for loan losses 30,713 30,242 2 28,617 7 Noninterest Income Service fees and charges 1,334 1,291 3 % 1,235 8 % Bank card fees 1,586 1,613 (2) 1,646 (4) Gain on sale of loans, net 62 195 (68) 46 35 Income from bank-owned life insurance 282 281 — 267 6 Gain (loss) on sale of assets, net 39 (10) 490 (7) 657 Other income 326 322 1 291 12 Total noninterest income 3,629 3,692 (2) 3,478 4 Noninterest Expense Compensation and benefits 13,314 13,058 2 % 11,401 17 % Occupancy 2,342 2,732 (14) 2,467 (5) Marketing and advertising 667 382 75 759 (12) Data processing and communication 2,526 2,646 (5) 2,423 4 Professional fees 416 450 (8) 465 (11) Forms, printing and supplies 214 188 14 195 10 Franchise and shares tax 400 488 (18) 131 205 Regulatory fees 483 493 (2) 589 (18) Foreclosed assets, net 125 62 102 43 191 Amortization of acquisition intangible 317 328 (3) 377 (16) Provision for credit losses on unfunded commitments 240 — — 140 71 Other expenses 1,311 1,431 (8) 1,614 (19) Total noninterest expense 22,355 22,258 — 20,604 8 Income before income tax expense 11,987 11,676 3 11,491 4 Income tax expense 2,314 2,239 3 2,106 10 Net income $ 9,673 $ 9,437 3 $ 9,385 3 Earnings per share - basic $ 1.22 $ 1.19 3 % $ 1.18 3 % Earnings per share - diluted $ 1.21 $ 1.18 3 $ 1.17 3 Cash dividends declared per common share $ 0.26 $ 0.25 4 % $ 0.25 4 % HOME BANCORP, INC. AND SUBSIDIARY SUMMARY FINANCIAL INFORMATION (Unaudited) For the Three Months Ended (dollars in thousands, except per share data) December 31,2024 September 30, 2024 % Change December 31, 2023 % Change EARNINGS DATA Total interest income $ 47,804 $ 47,379 1 % $ 43,399 10 % Total interest expense 16,218 16,997 (5) 14,117 15 Net interest income 31,586 30,382 4 29,282 8 Provision for loan losses 873 140 524 665 31 Total noninterest income 3,629 3,692 (2) 3,478 4 Total noninterest expense 22,355 22,258 — 20,604 8 Income tax expense 2,314 2,239 3 2,106 10 Net income $ 9,673 $ 9,437 3 $ 9,385 3 AVERAGE BALANCE SHEET DATA Total assets $ 3,439,925 $ 3,405,083 1 % $ 3,299,069 4 % Total interest-earning assets 3,232,896 3,202,364 1 3,111,245 4 Total loans 2,686,188 2,668,672 1 2,572,400 4 PPP loans 2,742 4,470 (39) 5,643 (51) Total interest-bearing deposits 2,035,579 1,989,182 2 1,864,755 9 Total interest-bearing liabilities 2,250,699 2,240,838 — 2,136,920 5 Total deposits 2,789,712 2,730,568 2 2,641,939 6 Total shareholders' equity 396,163 384,518 3 350,898 13 PER SHARE DATA Earnings per share - basic $ 1.22 $ 1.19 3 % $ 1.18 3 % Earnings per share - diluted 1.21 1.18 3 1.17 3 Book value at period end 48.95 48.75 — 45.04 9 Tangible book value at period end 38.44 38.17 1 34.45 12 Shares outstanding at period end 8,091,522 8,070,539 — 8,158,281 (1) Weighted average shares outstanding Basic 7,944,629 7,921,582 — % 7,978,160 — % Diluted 7,993,852 7,966,957 — 8,008,362 — SELECTED RATIOS (1) Return on average assets 1.12 % 1.10 % 2 % 1.13 % (1) % Return on average equity 9.71 9.76 (1) 10.61 (8) Common equity ratio 11.50 11.43 1 11.07 4 Efficiency ratio (2) 63.48 65.32 (3) 62.89 1 Average equity to average assets 11.52 11.29 2 10.64 8 Tier 1 leverage capital ratio (3) 11.38 11.32 1 10.98 4 Total risk-based capital ratio (3) 14.51 14.74 (2) 14.23 2 Net interest margin (4) 3.82 3.71 3 3.69 4 SELECTED NON-GAAP RATIOS (1) Tangible common equity ratio (5) 9.26 % 9.18 % 1 % 8.69 % 7 % Return on average tangible common equity (6) 12.70 12.90 (2) 14.53 (13) (1) With the exception of end-of-period ratios, all ratios are based on average daily balances during the respective periods. (2) The efficiency ratio represents noninterest expense as a percentage of total revenues. Total revenues is the sum of net interest income and noninterest income. (3) Capital ratios are preliminary end-of-period ratios for the Bank only and are subject to change. (4) Net interest margin represents net interest income as a percentage of average interest-earning assets. Taxable equivalent yields are calculated using a marginal tax rate of 21%. (5) Tangible common equity ratio is common shareholders' equity less intangible assets divided by total assets less intangible assets. See "Non-GAAP Reconciliation" for additional information. (6) Return on average tangible common equity is net income plus amortization of core deposit intangible, net of taxes, divided by average common shareholders' equity less average intangible assets. See "Non-GAAP Reconciliation" for additional information. HOME BANCORP, INC. AND SUBSIDIARY SUMMARY CREDIT QUALITY INFORMATION (Unaudited) December 31, 2024 September 30, 2024 December 31, 2023 (dollars in thousands) Acquired Originated Total Acquired Originated Total Acquired Originated Total CREDIT QUALITY (1) Nonaccrual loans $ 4,591 $ 8,991 $ 13,582 $ 4,314 $ 13,741 $ 18,055 $ 3,791 $ 5,023 $ 8,814 Accruing loans past due 90 days and over — 16 16 — 34 34 — — — Total nonperforming loans 4,591 9,007 13,598 4,314 13,775 18,089 3,791 5,023 8,814 Foreclosed assets and ORE 47 1,963 2,010 267 — 267 80 1,495 1,575 Total nonperforming assets 4,638 10,970 15,608 4,581 13,775 18,356 3,871 6,518 10,389 Nonperforming assets to total assets 0.45 % 0.53 % 0.31 % Nonperforming loans to total assets 0.39 0.53 0.27 Nonperforming loans to total loans 0.50 0.68 0.34 (1) It is our policy to cease accruing interest on loans 90 days or more past due. Nonperforming assets consist of nonperforming loans, foreclosed assets and other real estate (ORE). Foreclosed assets consist of assets acquired through foreclosure or acceptance of title in-lieu of foreclosure. ORE consists of closed or unused bank buildings. HOME BANCORP, INC. AND SUBSIDIARY SUMMARY CREDIT QUALITY INFORMATION - CONTINUED (Unaudited) December 31, 2024 September 30, 2024 December 31, 2023 Collectively Evaluated Individually Evaluated Total Collectively Evaluated Individually Evaluated Total Collectively Evaluated Individually Evaluated Total ALLOWANCE FOR CREDIT LOSSES One- to four-family first mortgage $ 4,430 $ — $ 4,430 $ 4,402 $ — $ 4,402 $ 3,255 $ — $ 3,255 Home equity loans and lines 801 — 801 785 — 785 688 — 688 Commercial real estate 13,321 200 13,521 13,271 200 13,471 14,604 201 14,805 Construction and land 5,484 — 5,484 5,167 — 5,167 5,292 123 5,415 Multi-family residential 1,090 — 1,090 1,079 — 1,079 474 — 474 Commercial and industrial 6,613 248 6,861 6,635 42 6,677 6,071 95 6,166 Consumer 729 — 729 697 — 697 734 — 734 Total allowance for loan losses $ 32,468 $ 448 $ 32,916 $ 32,036 $ 242 $ 32,278 $ 31,118 $ 419 $ 31,537 Unfunded lending commitments(2) 2,700 — 2,700 2,460 — 2,460 2,594 — 2,263 Total allowance for credit losses $ 35,168 $ 448 $ 35,616 $ 34,496 $ 242 $ 34,738 $ 33,712 $ 419 $ 2,594 Allowance for loan losses to nonperforming assets 210.89 % 175.84 % 303.56 % Allowance for loan losses to nonperforming loans 242.07 % 178.44 % 357.81 % Allowance for loan losses to total loans 1.21 % 1.21 % 1.22 % Allowance for credit losses to total loans 1.31 % 1.30 % 1.32 % Year-to-date loan charge-offs $ 1,285 $ 1,030 $ 471 Year-to-date loan recoveries 249 229 368 Year-to-date net loan charge-offs $ (1,036) $ (801) $ (103) Annualized YTD net loan charge-offs to average loans (0.04) % (0.04) % — % (2) The allowance for unfunded lending commitments is recorded within accrued interest payable and other liabilities on the Consolidated Statements of Financial Condition. 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HOME BANCORP ANNOUNCES 2024 FOURTH QUARTER RESULTS AND INCREASES QUARTERLY DIVIDEND BY 4%

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