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

, /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. "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." First Quarter 2025 Highlights 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. 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. Net interest income in the first quarter of 2024 totaled $31.7 million, up $163,000, or 1% from the prior quarter. The net interest margin ("NIM") was 3.91% in the first quarter of 2025 compared to 3.82% in the fourth quarter of 2024. 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. 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. Loans Loans totaled $2.7 billion at March 31, 2025, up $29.1 million, or 1.1%, from December 31, 2024. The following table summarizes the changes in the Company's loan portfolio, net of unearned income, from December 31, 2024 through March 31, 2025. (dollars in thousands) 3/31/2025 12/31/2024 Increase (Decrease) Real estate loans: One- to four-family first mortgage $ 504,356 $ 501,225 $ 3,131 1 % Home equity loans and lines 77,417 79,097 (1,680) (2) Commercial real estate 1,193,364 1,158,781 34,583 3 Construction and land 346,987 352,263 (5,276) (1) Multi-family residential 183,792 178,568 5,224 3 Total real estate loans 2,305,916 2,269,934 35,982 2 Other loans: Commercial and industrial 411,363 418,627 (7,264) (2) Consumer 29,998 29,624 374 1 Total other loans 441,361 448,251 (6,890) (2) Total loans $ 2,747,277 $ 2,718,185 $ 29,092 1 % The average loan yield was 6.43% for the first quarter of 2025, which was unchanged from the fourth quarter 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. Credit Quality and Allowance for Credit Losses 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. 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. The following tables present the Company's loan portfolio by credit quality classification as of March 31, 2025 and December 31, 2024. March 31, 2025 (dollars in thousands) Pass Special Mention Substandard Total One- to four-family first mortgage $ 496,694 $ 820 $ 6,842 $ 504,356 Home equity loans and lines 77,045 — 372 77,417 Commercial real estate 1,174,920 — 18,444 1,193,364 Construction and land 341,273 — 5,714 346,987 Multi-family residential 182,536 — 1,256 183,792 Commercial and industrial 407,742 — 3,621 411,363 Consumer 29,838 — 160 29,998 Total $ 2,710,048 $ 820 $ 36,409 $ 2,747,277 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 Investment Securities The Company's investment securities portfolio totaled $401.6 million at March 31, 2025, a decrease of $2.2 million, or 1%, from December 31, 2024. At March 31, 2025, the Company had a net unrealized loss position on its investment securities of $34.0 million, compared to a net unrealized loss of $41.0 million at December 31, 2024. The Company's investment securities portfolio had an effective duration of 3.7 years and 3.9 years at March 31, 2025 and December 31, 2024, respectively. During the first quarter of 2025, the Company made securities purchases of $2.9 million, compared to $5.6 million during the fourth quarter of 2024. The following table summarizes the composition of the Company's investment securities portfolio at March 31, 2025. (dollars in thousands) AmortizedCost Fair Value Available for sale: U.S. agency mortgage-backed $ 287,468 $ 263,130 Collateralized mortgage obligations 71,880 70,008 Municipal bonds 53,349 46,589 U.S. government agency 16,871 16,199 Corporate bonds 4,985 4,627 Total available for sale $ 434,553 $ 400,553 Held to maturity: Municipal bonds $ 1,065 $ 1,066 Total held to maturity $ 1,065 $ 1,066 Approximately 35% of the investment securities portfolio was pledged as of March 31, 2025 to secure public deposits. The Company had $142.0 million and $134.9 million of securities pledged to secure public deposits at March 31, 2025 and December 31, 2024, respectively. Deposits Total deposits were $2.8 billion at March 31, 2025, up $46.5 million, or 2%, from December 31, 2024. Non-maturity deposits increased $26.2 million, or 1%, during the first quarter of 2025 to $2.1 billion. The following table summarizes the changes in the Company's deposits from December 31, 2024 to March 31, 2025. (dollars in thousands) 3/31/2025 12/31/2024 Increase (Decrease) Demand deposits $ 754,955 $ 733,073 $ 21,882 3 % Savings 212,053 210,977 1,076 1 Money market 464,659 457,483 7,176 2 NOW 641,287 645,246 (3,959) (1) Certificates of deposit 754,253 733,917 20,336 3 Total deposits $ 2,827,207 $ 2,780,696 $ 46,511 2 % The average rate on interest-bearing deposits decreased 15 basis points from 2.66% for the fourth quarter of 2024 to 2.51% for the first quarter of 2025. At March 31, 2025, certificates of deposit maturing within the next 12 months totaled $708.2 million. 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. March 31, 2025 December 31, 2024 Individuals 53 % 53 % Small businesses 36 37 Public funds 8 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 $844.2 million at March 31, 2025 and $813.6 million at December 31, 2024. Public funds in excess of the FDIC insurance limits are fully collateralized. Net Interest Income The net interest margin ("NIM") increased 9 basis points from 3.82% for the fourth quarter of 2024 to 3.91% for the first quarter of 2025 primarily due to a decline in the funding cost for average interest-bearing liabilities and an increase in average interest-earnings assets. The average cost of interest-bearing deposits decreased by 15 basis points in the first quarter of 2025 compared to the fourth quarter of 2024. The decrease in deposit costs primarily reflects the decline in certificate of deposit rates as they matured and renewed into current rates. Average other interest-earning assets were $55.9 million for the first quarter of 2025, down $41.6 million, or 43%, from the fourth quarter of 2024, primarily due to a decrease in the average balance of cash and cash equivalents. Average other borrowings were $5.5 million for the first quarter of 2025, down $102.2 million, or 95%, from the fourth quarter of 2024 and replaced with short-term FHLB advances. Average FHLB advances were $180.7 million for the first quarter of 2025, an increase of $127.7 million, or 241%, from the fourth quarter of 2024. Loan accretion income from acquired loans totaled $356,000 for the first quarter of 2025, down $65,000, or 15%, from the fourth 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%. Quarter Ended 3/31/2025 12/31/2024 (dollars in thousands) AverageBalance Interest Average Yield/ Rate Average Balance Interest Average Yield/ Rate Interest-earning assets: Loans receivable $ 2,745,212 $ 44,032 6.43 % $ 2,686,188 $ 43,978 6.43 % Investment securities (TE) 439,556 2,664 2.44 449,216 2,703 2.42 Other interest-earning assets 55,851 505 3.67 97,492 1,123 4.58 Total interest-earning assets $ 3,240,619 $ 47,201 5.84 % $ 3,232,896 $ 47,804 5.82 % Interest-bearing liabilities: Deposits: Savings, checking, and money market $ 1,306,602 $ 5,401 1.68 % $ 1,311,815 $ 5,721 1.73 % Certificates of deposit 732,079 7,221 4.00 723,764 7,885 4.33 Total interest-bearing deposits 2,038,681 12,622 2.51 2,035,579 13,606 2.66 Other borrowings 5,539 53 3.89 107,767 1,279 4.72 Subordinated debt 54,485 845 6.20 54,427 848 6.23 FHLB advances 180,658 1,932 4.28 52,926 485 3.63 Total interest-bearing liabilities $ 2,279,363 $ 15,452 2.74 % $ 2,250,699 $ 16,218 2.87 % Noninterest-bearing deposits $ 733,613 $ 754,133 Net interest spread (TE) 3.10 % 2.95 % Net interest margin (TE) 3.91 % 3.82 % Noninterest Income Noninterest income for the first quarter of 2025 totaled $4.0 million, up $380,000, or 10%, from the fourth quarter of 2024. The increase was related primarily to gain on sale of loans (up $315,000) and other income (up $132,000), which was partially offset by a reduction in gain on sale of assets, net (down $30,000) and service fees and charges (down $25,000) for the first quarter of 2025 compared to the fourth quarter of 2024. Noninterest Expense Noninterest expense for the first quarter of 2025 totaled $21.6 million, down $776,000, or 3%, from the fourth quarter of 2024. The decrease was primarily related to a decrease in compensation and benefits expense (down $662,000) and the absence of a provision to the allowance for credit losses on unfunded commitments ($240,000), which were partially offset by an increase in occupancy expense (up $219,000) during the first quarter of 2025. Capital and Liquidity At March 31, 2025, shareholders' equity totaled $402.8 million, up $6.7 million, or 2%, compared to $396.1 million at December 31, 2024. The increase was primarily due to the the Company's earnings of $11.0 million and a decrease in the accumulated other comprehensive loss on available for sale investments securities during the first quarter of 2025, which was partially offset by shareholder dividends and repurchases of shares of the Company's common stock. Preliminary Tier 1 leverage capital and total risk-based capital ratios were 11.48% and 14.58%, respectively, at March 31, 2025, compared to 11.38% and 14.51%, respectively, at December 31, 2024. The following table summarizes the Company's primary and secondary sources of liquidity which were available at March 31, 2025. (dollars in thousands) March 31, 2025 Cash and cash equivalents $ 110,662 Unencumbered investment securities, amortized cost 68,179 FHLB advance availability 1,140,061 Amounts available from unsecured lines of credit 55,000 Federal Reserve discount window availability 500 Total primary and secondary sources of available liquidity $ 1,374,402 Dividend and Share Repurchases The Company announces that its Board of Directors declared a quarterly cash dividend on shares of its common stock of $0.27 per share payable on May 16, 2025, to shareholders of record as of May 5, 2025. The Company also announced that the Board of Directors approved a new share repurchase plan (the "2025 Repurchase Plan"). Under the 2025 Repurchase Plan, the Company may purchase up to 400,000 shares, or approximately 5% of the Company's outstanding common stock. Share repurchases under the 2025 Repurchase Plan may commence upon the completion of the Company's 2023 Repurchase Plan. As of March 31, 2025, there were 138,315 shares remaining that may be repurchased under the 2023 Repurchase Plan. The repurchase plans do not include specific price targets and may be executed through the open market or privately-negotiated transactions depending upon market conditions and other factors. The repurchase plans have no time limit and may be suspended or discontinued at any time. The Company repurchased 173,497 shares of its common stock during the first quarter of 2025 at an average price per share of $44.72. An additional 138,315 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 $50.82 and $40.13, respectively, at March 31, 2025. Conference Call Executive management will host a conference call to discuss first quarter 2025 results on Tuesday, April 22, 2025 at 10:30 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 on 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 on non-GAAP information included herein to GAAP is presented below. Quarter Ended (dollars in thousands, except per share data) 3/31/2025 12/31/2024 3/31/2024 Reported net income $ 10,964 $ 9,673 $ 9,199 Add: Core deposit intangible amortization, net tax 231 250 279 Non-GAAP tangible income $ 11,195 $ 9,923 $ 9,478 Total assets $ 3,485,453 $ 3,443,668 $ 3,357,604 Less: Intangible assets 84,751 85,044 86,019 Non-GAAP tangible assets $ 3,400,702 $ 3,358,624 $ 3,271,585 Total shareholders' equity $ 402,831 $ 396,088 $ 372,285 Less: Intangible assets 84,751 85,044 86,019 Non-GAAP tangible shareholders' equity $ 318,080 $ 311,044 $ 286,266 Return on average equity 11.02 % 9.71 % 9.98 % Add: Average intangible assets 3.23 2.99 3.42 Non-GAAP return on average tangible common equity 14.25 % 12.70 % 13.40 % Common equity ratio 11.56 % 11.50 % 11.09 % Less: Intangible assets 2.21 2.24 2.34 Non-GAAP tangible common equity ratio 9.35 % 9.26 % 8.75 % Book value per share $ 50.82 $ 48.95 $ 45.73 Less: Intangible assets 10.69 10.51 10.56 Non-GAAP tangible book value per share $ 40.13 $ 38.44 $ 35.17 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, 2024 describes some of these factors, including risk elements in the loan portfolio, risks related to our deposit activities, 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) 3/31/2025 12/31/2024 % Change 3/31/2024 Assets Cash and cash equivalents $ 110,662 $ 98,548 12 % $ 90,475 Investment securities available for sale, at fair value 400,553 402,792 (1) 421,813 Investment securities held to maturity 1,065 1,065 — 1,065 Mortgage loans held for sale 1,855 832 123 646 Loans, net of unearned income 2,747,277 2,718,185 1 2,621,690 Allowance for loan losses (33,278) (32,916) 1 (31,461) Total loans, net of allowance for loan losses 2,713,999 2,685,269 1 2,590,229 Office properties and equipment, net 45,327 42,324 7 42,341 Cash surrender value of bank-owned life insurance 48,699 48,421 1 47,587 Goodwill and core deposit intangibles 84,751 85,044 — 86,019 Accrued interest receivable and other assets 78,542 79,373 (1) 77,429 Total Assets $ 3,485,453 $ 3,443,668 1 % $ 3,357,604 Liabilities Deposits $ 2,827,207 $ 2,780,696 2 % $ 2,722,578 Other Borrowings 5,539 5,539 — 140,539 Subordinated debt, net of issuance cost 54,513 54,459 — 54,294 Federal Home Loan Bank advances 163,259 175,546 (7) 38,607 Accrued interest payable and other liabilities 32,104 31,340 2 29,301 Total Liabilities 3,082,622 3,047,580 1 2,985,319 Shareholders' Equity Common stock 79 81 (2) 81 Additional paid-in capital 167,231 168,138 (1) 166,160 Common stock acquired by benefit plans (1,250) (1,339) 7 (1,607) Retained earnings 261,856 259,190 1 241,152 Accumulated other comprehensive loss (25,085) (29,982) 16 (33,501) Total Shareholders' Equity 402,831 396,088 2 372,285 Total Liabilities and Shareholders' Equity $ 3,485,453 $ 3,443,668 1 % $ 3,357,604 HOME BANCORP, INC. AND SUBSIDIARY CONDENSED STATEMENTS OF INCOME (Unaudited) Quarter Ended (dollars in thousands, except per share data) 3/31/2025 12/31/2024 % Change 3/31/2024 %Change Interest Income Loans, including fees $ 44,032 $ 43,978 — % $ 40,567 9 % Investment securities 2,664 2,703 (1) 2,788 (4) Other investments and deposits 505 1,123 (55) 771 (35) Total interest income 47,201 47,804 (1) 44,126 7 Interest Expense Deposits 12,622 13,606 (7) % 12,132 4 % Other borrowings 53 1,279 (96) 1,486 (96) Subordinated debt expense 845 848 — 845 — Federal Home Loan Bank advances 1,932 485 298 762 154 Total interest expense 15,452 16,218 (5) 15,225 1 Net interest income 31,749 31,586 1 28,901 10 Provision for loan losses 394 873 (55) 141 179 Net interest income after provision for loan losses 31,355 30,713 2 28,760 9 Noninterest Income Service fees and charges 1,309 1,334 (2) % 1,254 4 % Bank card fees 1,578 1,586 (1) 1,575 — Gain on sale of loans, net 377 62 508 87 333 Income from bank-owned life insurance 278 282 (1) 266 5 Gain on sale of assets, net 9 39 (77) 6 50 Other income 458 326 40 361 27 Total noninterest income 4,009 3,629 10 3,549 13 Noninterest Expense Compensation and benefits 12,652 13,314 (5) % 12,170 4 % Occupancy 2,561 2,342 9 2,454 4 Marketing and advertising 429 667 (36) 466 (8) Data processing and communication 2,642 2,526 5 2,514 5 Professional fees 405 416 (3) 475 (15) Forms, printing and supplies 200 214 (7) 205 (2) Franchise and shares tax 476 400 19 488 (2) Regulatory fees 516 483 7 469 10 Foreclosed assets, net 227 125 82 65 249 Amortization of acquisition intangible 293 317 (8) 353 (17) Provision for credit losses on unfunded commitments — 240 (100) — — Other expenses 1,178 1,311 (10) 1,209 (3) Total noninterest expense 21,579 22,355 (3) 20,868 3 Income before income tax expense 13,785 11,987 15 11,441 20 Income tax expense 2,821 2,314 22 2,242 26 Net income $ 10,964 $ 9,673 13 % $ 9,199 19 % Earnings per share - basic $ 1.38 $ 1.22 13 % $ 1.15 20 % Earnings per share - diluted $ 1.37 $ 1.21 13 % $ 1.14 20 % Cash dividends declared per common share $ 0.27 $ 0.26 4 % $ 0.25 8 % HOME BANCORP, INC. AND SUBSIDIARY SUMMARY FINANCIAL INFORMATION (Unaudited) Quarter Ended (dollars in thousands, except per share data) 3/31/2025 12/31/2024 % Change 3/31/2024 % Change EARNINGS DATA Total interest income $ 47,201 $ 47,804 (1) % $ 44,126 7 % Total interest expense 15,452 16,218 (5) 15,225 1 Net interest income 31,749 31,586 1 28,901 10 Provision for loan losses 394 873 (55) 141 179 Total noninterest income 4,009 3,629 10 3,549 13 Total noninterest expense 21,579 22,355 (3) 20,868 3 Income tax expense 2,821 2,314 22 2,242 26 Net income $ 10,964 $ 9,673 13 $ 9,199 19 AVERAGE BALANCE SHEET DATA Total assets $ 3,449,472 $ 3,439,925 — % $ 3,333,883 3 % Total interest-earning assets 3,240,619 3,232,896 — 3,132,622 3 Total loans 2,745,212 2,686,188 2 2,602,941 5 PPP loans 1,320 2,742 (52) 5,393 (76) Total interest-bearing deposits 2,038,681 2,035,579 — 1,937,646 5 Total interest-bearing liabilities 2,279,363 2,250,699 1 2,189,597 4 Total deposits 2,772,295 2,789,712 (1) 2,680,909 3 Total shareholders' equity 403,504 396,163 2 370,761 9 PER SHARE DATA Earnings per share - basic $ 1.38 $ 1.22 13 % $ 1.15 20 % Earnings per share - diluted 1.37 1.21 13 1.14 20 Book value at period end 50.82 48.95 4 45.73 11 Tangible book value at period end 40.13 38.44 4 35.17 14 Shares outstanding at period end 7,926,331 8,091,522 (2) 8,140,380 (3) Weighted average shares outstanding Basic 7,949,477 7,944,629 — % 7,984,317 — % Diluted 8,026,815 7,993,852 — 8,039,505 — SELECTED RATIOS (1) Return on average assets 1.29 % 1.12 % 15 % 1.11 % 16 % Return on average equity 11.02 9.71 13 9.98 10 Common equity ratio 11.56 11.50 1 11.09 4 Efficiency ratio (2) 60.35 63.48 (5) 64.31 (6) Average equity to average assets 11.70 11.52 2 11.12 5 Tier 1 leverage capital ratio (3) 11.48 11.38 1 11.19 3 Total risk-based capital ratio (3) 14.58 14.51 — 14.39 1 Net interest margin (4) 3.91 3.82 2 3.64 7 SELECTED NON-GAAP RATIOS (1) Tangible common equity ratio (5) 9.35 % 9.26 % 1 % 8.75 % 7 % Return on average tangible common equity (6) 14.25 12.70 12 13.40 6 (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) 3/31/2025 12/31/2024 3/31/2024 (dollars in thousands) Originated Acquired Total Originated Acquired Total Originated Acquired Total CREDIT QUALITY (1) Nonaccrual loans $ 13,090 $ 5,880 $ 18,970 $ 8,991 $ 4,591 $ 13,582 $ 11,232 $ 4,139 $ 15,371 Accruing loans 90 days or more past due 77 — 77 16 — 16 4,978 — 4,978 Total nonperforming loans 13,167 5,880 19,047 9,007 4,591 13,598 16,210 4,139 20,349 Foreclosed assets and ORE 2,424 — 2,424 1,963 47 2,010 1,539 62 1,601 Total nonperforming assets $ 15,591 $ 5,880 $ 21,471 $ 10,970 $ 4,638 $ 15,608 $ 17,749 $ 4,201 $ 21,950 Nonperforming assets to total assets 0.62 % 0.45 % 0.65 % Nonperforming loans to total assets 0.55 0.39 0.61 Nonperforming loans to total loans 0.69 0.50 0.78 (1) It is our policy to cease accruing interest on loans 90 days or more past due, with certain limited exceptions. Nonperforming assets consist of nonperforming loans, foreclosed assets and surplus 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) 3/31/2025 12/31/2024 3/31/2024 CollectivelyEvaluated Individually Evaluated Total Collectively Evaluated IndividuallyEvaluated Total CollectivelyEvaluated IndividuallyEvaluated Total ALLOWANCE FOR CREDITLOSSES One- to four-family first mortgage $ 4,459 $ — $ 4,459 $ 4,430 $ — $ 4,430 $ 3,275 $ — $ 3,275 Home equity loans and lines 795 — 795 801 — 801 701 — 701 Commercial real estate 13,478 439 13,917 13,321 200 13,521 14,863 200 15,063 Construction and land 5,383 — 5,383 5,484 — 5,484 5,287 — 5,287 Multi-family residential 1,088 — 1,088 1,090 — 1,090 584 — 584 Commercial and industrial 6,413 326 6,739 6,613 248 6,861 5,733 73 5,806 Consumer 756 141 897 729 — 729 745 — 745 Total allowance for loan losses $ 32,372 $ 906 $ 33,278 $ 32,468 $ 448 $ 32,916 $ 31,188 $ 273 $ 31,461 Unfunded lending commitments(2) 2,700 — 2,700 2,700 — 2,700 2,594 — 2,594 Total allowance for credit losses $ 35,072 $ 906 $ 35,978 $ 35,168 $ 448 $ 35,616 $ 33,782 $ 273 $ 34,055 Allowance for loan losses to nonperforming assets 154.99 % 210.89 % 143.33 % Allowance for loan losses tononperforming loans 174.72 % 242.07 % 154.61 % Allowance for loan losses to totalloans 1.21 % 1.21 % 1.21 % Allowance for credit losses to total loans 1.31 % 1.31 % 1.30 % Year-to-date loan charge-offs $ 226 $ 1,285 $ 241 Year-to-date loan recoveries 194 249 24 Year-to-date net loan charge-offs $ (32) $ (1,036) $ (217) Annualized YTD net loan charge-offsto average loans — % (0.04) % (0.03) % (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, INC. ANNOUNCES 2025 FIRST QUARTER RESULTS, NEW SHARE REPURCHASE PLAN AND DECLARES A QUARTERLY DIVIDEND

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