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

1. HBCP reported Q2 2025 net income of $11.3 million, a 5% increase. 2. Total loans increased by 0.6% to $2.8 billion, driving net interest income growth. 3. Nonperforming assets rose 18% to $25.4 million, primarily from four loans. 4. The net interest margin improved to 4.04%, up from 3.91% in Q1 2025. 5. Dividends declared were $0.29 per share, reflecting solid earnings performance.

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Why Bullish?

HBCP's strong earnings and growing net interest margin suggest a positive trend. Historical patterns show similar earnings growth often leads to stock price appreciation.

How important is it?

The report highlights key growth metrics, ensuring investors are likely to respond favorably. Earnings growth is critical for financial institutions and is closely watched by the market.

Why Short Term?

Immediate effects are likely as positive earnings draw investor attention. Recent dividend declaration provides an additional short-term boost.

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, /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 second quarter of 2025. For the quarter, the Company reported net income of $11.3 million, or $1.45 per diluted common share ("diluted EPS"), up $366,000 from $11.0 million, or $1.37 diluted EPS, for the first quarter of 2025. "As we celebrate the Bank's 117th anniversary, I'm pleased with the strong results produced during the second quarter of 2025," said John W. Bordelon, President and Chief Executive Officer of the Company and the Bank. "We saw growth in loans and deposits and net interest margin continued its upward trajectory as we were able to keep deposit and funding costs stable. We saw increases in nonperforming and criticized loans at the end of the quarter, but do not anticipate any losses. We have maintained a solid allowance for loan losses to total loans of 1.21%. Our Company remains well-positioned for the future with strong capital and liquidity combined with outstanding bankers."  Second Quarter 2025 Highlights Loans totaled $2.8 billion at June 30, 2025, up $17.3 million, or 0.6% (an increase of 3% on an annualized basis), from March 31, 2025. Deposits totaled $2.9 billion at June 30, 2025, up $81.0 million, or 2.9% (11% on an annualized basis), from March 31, 2025. Net interest income in the second quarter of 2025 totaled $33.4 million, up $1.6 million, or 5%, from the prior quarter. The net interest margin ("NIM") was 4.04% in the second quarter of 2025 compared to 3.91% in the first quarter of 2025. Nonperforming assets totaled $25.4 million, or 0.73% of total assets, at June 30, 2025 compared to $21.5 million, or 0.62% of total assets, at March 31, 2025. This increase in nonperforming assets is primarily due to four loan relationships, which were moved to nonaccrual status in the second quarter of 2025. The Company recorded a $489,000 provision to the allowance for loan losses in the second quarter of 2025, compared to a $394,000 provision in the first quarter of 2025, primarily due to loan growth. Loans Loans totaled $2.8 billion at June 30, 2025, up $17.3 million, or 0.6%, from March 31, 2025. The following table summarizes the changes in the Company's loan portfolio, net of unearned income, from March 31, 2025 through June 30, 2025. (dollars in thousands) 6/30/2025 3/31/2025 Increase (Decrease) Real estate loans: One- to four-family first mortgage $           504,145 $           504,356 $        (211) — % Home equity loans and lines 81,178 77,417 3,761 5 Commercial real estate 1,218,168 1,193,364 24,804 2 Construction and land 324,574 346,987 (22,413) (6) Multi-family residential 183,809 183,792 17 — Total real estate loans 2,311,874 2,305,916 5,958 — Other loans: Commercial and industrial 421,997 411,363 10,634 3 Consumer 30,667 29,998 669 2 Total other loans 452,664 441,361 11,303 3 Total loans $        2,764,538 $        2,747,277 $     17,261 1 % The average loan yield was 6.50% for the second quarter of 2025, up 7 basis points from the first quarter of 2025. 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, which was partially offset by declines in construction and land loans for the current quarter, primarily in our Houston and New Orleans markets, and in commercial and industrial loans across our Acadiana, Baton Rouge, and Houston markets. Credit Quality and Allowance for Credit Losses Nonperforming assets ("NPAs") totaled $25.4 million, or 0.73% of total assets, at June 30, 2025, up $4.0 million, or 18%, from $21.5 million, or 0.62% of total assets, at March 31, 2025. The increase in NPAs during the second quarter of 2025 was primarily due to four loan relationships totaling $6.2 million, which were put on nonaccrual during the quarter, offset by payoffs and paydowns. During the second quarter of 2025, the Company recorded net loan charge-offs of $335,000, compared to net loan charge-offs of $32,000 during the first quarter of 2025. The Company provisioned $489,000 to the allowance for loan losses in the second quarter of 2025. At June 30, 2025, the allowance for loan losses totaled $33.4 million, or 1.21% of total loans, compared to $33.3 million, or 1.21% of total loans, at March 31, 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. The following tables present the Company's loan portfolio by credit quality classification as of June 30, 2025 and March 31, 2025. June 30, 2025 (dollars in thousands) Pass Special Mention Substandard Total One- to four-family first mortgage $         497,404 $                   — $              6,741 $         504,145 Home equity loans and lines 80,145 — 1,033 81,178 Commercial real estate 1,185,738 1,063 31,367 1,218,168 Construction and land 317,593 749 6,232 324,574 Multi-family residential 182,572 — 1,237 183,809 Commercial and industrial 418,831 — 3,166 421,997 Consumer 30,632 — 35 30,667   Total $      2,712,915 $              1,812 $           49,811 $      2,764,538 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 Investment Securities The Company's investment securities portfolio totaled $394.5 million at June 30, 2025, a decrease of $7.1 million, or 2%, from March 31, 2025. At June 30, 2025, the Company had a net unrealized loss position on its investment securities of $30.2 million, compared to a net unrealized loss of $34.0 million at March 31, 2025. The Company's investment securities portfolio had an effective duration of 3.6 years and 3.7 years at June 30, 2025 and March 31, 2025, respectively. During the second quarter of 2025, the Company made securities purchases of $4.5 million, compared to $2.9 million during the first quarter of 2025. The following table summarizes the composition of the Company's investment securities portfolio at June 30, 2025. (dollars in thousands) Amortized Cost Fair Value Available for sale:   U.S. agency mortgage-backed $       280,484 $       258,925   Collateralized mortgage obligations 68,080 66,615   Municipal bonds 53,240 46,942   U.S. government agency 16,863 16,338   Corporate bonds 4,985 4,642 Total available for sale $       423,652 $       393,462 Held to maturity:   Municipal bonds $           1,065 $           1,066 Total held to maturity $           1,065 $           1,066 Approximately 36% of the investment securities portfolio was pledged as of June 30, 2025 to secure public deposits. The Company had $141.7 million and $142.0 million of securities pledged to secure public deposits at June 30, 2025 and March 31, 2025, respectively. Deposits Total deposits were $2.9 billion at June 30, 2025, up $81.0 million, or 3%, from March 31, 2025. Non-maturity deposits increased $17.2 million, or 1%, during the second quarter of 2025 to $2.1 billion. The following table summarizes the changes in the Company's deposits from March 31, 2025 to June 30, 2025. (dollars in thousands) 6/30/2025 3/31/2025 Increase (Decrease) Demand deposits $           796,844 $           754,955 $             41,889 6 % Savings 204,191 212,053 (7,862) (4) Money market 463,332 464,659 (1,327) — NOW 625,793 641,287 (15,494) (2) Certificates of deposit 818,074 754,253 63,821 8 Total deposits $        2,908,234 $        2,827,207 $             81,027 3 % The average rate on interest-bearing deposits increased 1 basis point from 2.51% for the first quarter of 2025 to 2.52% for the second quarter of 2025. At June 30, 2025, certificates of deposit maturing within the next 12 months totaled $781.9 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. June 30, 2025 March 31, 2025 Individuals 52 % 53 % Small businesses 38 36 Public funds 7 8 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 $887.9 million at June 30, 2025 and $844.2 million at March 31, 2025. Public funds in excess of the FDIC insurance limits are fully collateralized. Net Interest Income The net interest margin ("NIM") increased 13 basis points from 3.91% for the first quarter of 2025 to 4.04% for the second quarter of 2025 primarily due to an increase in average yield on interest-earnings assets and a decline in the average cost for average interest-bearing liabilities. The average cost of interest-bearing deposits increased by 1 basis point in the second quarter of 2025 compared to the first quarter of 2025. The increase in deposit costs primarily reflects the increase in non-maturity deposit balances. Average other interest-earning assets were $71.1 million for the second quarter of 2025, up $15.2 million, or 27%, from the first quarter of 2025, primarily due to an increase in the average balance of cash and cash equivalents. Average FHLB advances were $114.0 million for the second quarter of 2025, a decrease of $66.6 million, or 37%, from the first quarter of 2025 due to paydowns of FHLB advances. Loan accretion income from acquired loans totaled $356,000 for the second quarter of 2025, which remained unchanged from the first quarter of 2025. Noninterest Income Noninterest income for the second quarter of 2025 totaled $3.7 million, down $293,000, or 7%, from the first quarter of 2025. The decrease was related primarily to decreases in gain on sale of loans (down $263,000) and other income (down $231,000), which were partially offset by increases in bank card fees (up $172,000) and service fees and charges (up $36,000) for the second quarter of 2025 compared to the first quarter of 2025. Noninterest Expense Noninterest expense for the second quarter of 2025 totaled $22.4 million, up $828,000, or 4%, from the first quarter of 2025. The increase was primarily related to an increase in other expenses (up $1.0 million primarily due to a write off of an acquired SBA accounts receivable for guarantees) and compensation and benefits expense (up $670,000), which were partially offset by the reversal to the allowance for credit losses on unfunded commitments ($970,000)  during the second quarter of 2025. Capital At June 30, 2025, shareholders' equity totaled $408.8 million, up $6.0 million, or 1%, compared to $402.8 million at March 31, 2025. The increase was primarily due to the Company's earnings of $11.3 million and a decrease in the accumulated other comprehensive loss on available for sale investment securities during the second 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 11.47% and 14.66%, respectively, at June 30, 2025, compared to 11.48% and 14.58%, respectively, at March 31, 2025. Dividend and Share Repurchases The Company announces that its Board of Directors declared a quarterly cash dividend on shares of its common stock of $0.29 per share payable on August 15, 2025, to shareholders of record as of August 4, 2025. The Company repurchased 147,243 shares of its common stock during the second quarter of 2025 at an average price per share of $43.72. An additional 391,072 shares remain eligible for purchase under the 2025 Repurchase Plan. The book value per share and tangible book value per share of the Company's common stock was $52.36 and $41.54, respectively, at June 30, 2025. Conference Call Executive management will host a conference call to discuss second quarter 2025 results on Tuesday, July 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) 6/30/2025 3/31/2025 12/31/2024 9/30/2024 6/30/2024 Reported net income $         11,330 $         10,964 $           9,673 $           9,437 $           8,118 Add: Core deposit intangible amortization, net tax 213 231 250 259 261 Non-GAAP tangible income $         11,543 $         11,195 $           9,923 $           9,696 $           8,379 Total assets $    3,491,455 $    3,485,453 $    3,443,668 $    3,441,990 $    3,410,881 Less: Intangible assets 84,482 84,751 85,044 85,361 85,690 Non-GAAP tangible assets $    3,406,973 $    3,400,702 $    3,358,624 $    3,356,629 $    3,325,191 Total shareholders' equity $       408,818 $       402,831 $       396,088 $       393,453 $       375,830 Less: Intangible assets 84,482 84,751 85,044 85,361 85,690 Non-GAAP tangible shareholders' equity $       324,336 $       318,080 $       311,044 $       308,092 $       290,140 Return on average equity 11.24 % 11.02 % 9.71 % 9.76 % 8.75 % Add: Average intangible assets 3.24 3.23 2.99 3.14 2.98 Non-GAAP return on average tangible common equity 14.48 % 14.25 % 12.70 % 12.90 % 11.73 % Common equity ratio 11.71 % 11.56 % 11.50 % 11.43 % 11.02 % Less: Intangible assets 2.19 2.21 2.24 2.25 2.29 Non-GAAP tangible common equity ratio 9.52 % 9.35 % 9.26 % 9.18 % 8.73 % Book value per share $           52.36 $           50.82 $           48.95 $           48.75 $           46.51 Less: Intangible assets 10.82 10.69 10.51 10.58 10.61 Non-GAAP tangible book value per share $           41.54 $           40.13 $           38.44 $           38.17 $           35.90 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) 6/30/2025 3/31/2025 12/31/2024 9/30/2024 6/30/2024 Assets Cash and cash equivalents $           112,595 $           110,662 $             98,548 $           135,877 $           113,462 Investment securities available for sale, at fair value 393,462 400,553 402,792 420,723 412,472 Investment securities held to maturity 1,065 1,065 1,065 1,065 1,065 Mortgage loans held for sale 1,305 1,855 832 242 — Loans, net of unearned income 2,764,538 2,747,277 2,718,185 2,668,286 2,661,346 Allowance for loan losses (33,432) (33,278) (32,916) (32,278) (32,212) Total loans, net of allowance for loan losses 2,731,106 2,713,999 2,685,269 2,636,008 2,629,134 Office properties and equipment, net 45,216 45,327 42,324 42,659 43,089 Cash surrender value of bank-owned life insurance 48,981 48,699 48,421 48,139 47,858 Goodwill and core deposit intangibles 84,482 84,751 85,044 85,361 85,690 Accrued interest receivable and other assets 73,243 78,542 79,373 71,916 78,111 Total Assets $        3,491,455 $        3,485,453 $        3,443,668 $        3,441,990 $        3,410,881 Liabilities Deposits $        2,908,234 $        2,827,207 $        2,780,696 $        2,777,487 $        2,722,915 Other Borrowings 5,539 5,539 5,539 140,539 140,539 Subordinated debt, net of issuance cost 54,567 54,513 54,459 54,402 54,348 Federal Home Loan Bank advances 88,196 163,259 175,546 38,410 83,506 Accrued interest payable and other liabilities 26,101 32,104 31,340 37,699 33,743 Total Liabilities 3,082,637 3,082,622 3,047,580 3,048,537 3,035,051 Shareholders' Equity Common stock 78 79 81 81 81 Additional paid-in capital 166,576 167,231 168,138 166,743 165,918 Common stock acquired by benefit plans (1,160) (1,250) (1,339) (1,428) (1,518) Retained earnings 265,817 261,856 259,190 251,692 245,046 Accumulated other comprehensive loss (22,493) (25,085) (29,982) (23,635) (33,697) Total Shareholders' Equity 408,818 402,831 396,088 393,453 375,830 Total Liabilities and Shareholders' Equity $        3,491,455 $        3,485,453 $        3,443,668 $        3,441,990 $        3,410,881 HOME BANCORP, INC. AND SUBSIDIARY CONDENSED STATEMENTS OF INCOME (Unaudited) Three Months Ended Six Months Ended (dollars in thousands, except per share data) 6/30/2025 3/31/2025 6/30/2024 6/30/2025 6/30/2024 Interest Income Loans, including fees $   45,287 $       44,032 $       41,999 $       89,319 $       82,566 Investment securities 2,596 2,664 2,740 5,260 5,528 Other investments and deposits 746 505 719 1,251 1,490 Total interest income 48,629 47,201 45,458 95,830 89,584 Interest Expense Deposits 13,142 12,622 13,134 25,764 25,266 Other borrowings 53 53 1,656 106 3,142 Subordinated debt expense 844 845 844 1,689 1,689 Federal Home Loan Bank advances 1,239 1,932 431 3,171 1,193 Total interest expense 15,278 15,452 16,065 30,730 31,290 Net interest income 33,351 31,749 29,393 65,100 58,294 Provision for loan losses 489 394 1,261 883 1,402 Net interest income after provision for loan losses 32,862 31,355 28,132 64,217 56,892 Noninterest Income Service fees and charges 1,345 1,309 1,239 2,654 2,493 Bank card fees 1,750 1,578 1,751 3,328 3,326 Gain on sale of loans, net 114 377 126 491 213 Income from bank-owned life insurance 282 278 271 560 537 (Loss) gain on sale of assets, net (2) 9 (2) 7 4 Other income 227 458 370 685 731 Total noninterest income 3,716 4,009 3,755 7,725 7,304 Noninterest Expense Compensation and benefits 13,322 12,652 12,788 25,974 24,958 Occupancy 2,513 2,561 2,603 5,074 5,057 Marketing and advertising 461 429 485 890 951 Data processing and communication 2,628 2,642 2,555 5,270 5,069 Professional fees 396 405 581 801 1,056 Forms, printing and supplies 203 200 187 403 392 Franchise and shares tax 483 476 487 959 975 Regulatory fees 502 516 509 1,018 978 Foreclosed assets, net 419 227 89 646 154 Amortization of acquisition intangible 269 293 329 562 682 Reversal for credit losses on unfunded commitments (970) — (134) (970) (134) Other expenses 2,181 1,178 1,329 3,359 2,538 Total noninterest expense 22,407 21,579 21,808 43,986 42,676 Income before income tax expense 14,171 13,785 10,079 27,956 21,520 Income tax expense 2,841 2,821 1,961 5,662 4,203 Net income $   11,330 $       10,964 $          8,118 $       22,294 $       17,317 Earnings per share - basic $        1.47 $            1.38 $            1.02 $            2.85 $            2.17 Earnings per share - diluted $        1.45 $            1.37 $            1.02 $            2.82 $            2.16 Cash dividends declared per common share $        0.27 $            0.27 $            0.25 $            0.54 $            0.50 HOME BANCORP, INC. AND SUBSIDIARY SUMMARY FINANCIAL INFORMATION (Unaudited) Three Months Ended Six Months Ended (dollars in thousands, except per share data) 6/30/2025 3/31/2025 6/30/2024 6/30/2025 6/30/2024 EARNINGS DATA Total interest income $     48,629 $     47,201 $     45,458 $     95,830 $     89,584 Total interest expense 15,278 15,452 16,065 30,730 31,290   Net interest income 33,351 31,749 29,393 65,100 58,294 Provision for loan losses 489 394 1,261 883 1,402 Total noninterest income 3,716 4,009 3,755 7,725 7,304 Total noninterest expense 22,407 21,579 21,808 43,986 42,676 Income tax expense 2,841 2,821 1,961 5,662 4,203   Net income $     11,330 $     10,964 $       8,118 $     22,294 $     17,317 AVERAGE BALANCE SHEET DATA Total assets $  3,474,762 $  3,449,472 $  3,367,207 $  3,462,187 $  3,350,545 Total interest-earning assets 3,261,733 3,240,619 3,167,186 3,251,235 3,149,904 Total loans 2,764,065 2,745,212 2,652,331 2,754,691 2,627,636 PPP loans 330 1,320 5,156 822 5,274 Total interest-bearing deposits 2,087,781 2,038,681 1,965,181 2,063,367 1,951,414 Total interest-bearing liabilities 2,261,916 2,279,363 2,206,612 2,270,592 2,198,104 Total deposits 2,863,683 2,772,295 2,716,957 2,818,241 2,698,933 Total shareholders' equity 404,367 403,504 373,139 403,938 371,950 PER SHARE DATA Earnings per share - basic $          1.47 $          1.38 $          1.02 $          2.85 $          2.17 Earnings per share - diluted 1.45 1.37 1.02 2.82 2.16 Book value at period end 52.36 50.82 46.51 52.36 46.51 Tangible book value at period end 41.54 40.13 35.90 41.54 35.90 Shares outstanding at period end 7,808,421 7,926,331 8,081,344 7,808,421 8,081,344 Weighted average shares outstanding Basic 7,707,423 7,949,477 7,972,445 7,827,781 7,978,381 Diluted 7,781,021 8,026,815 8,018,908 7,903,239 8,029,206 SELECTED RATIOS (1) Return on average assets 1.31 % 1.29 % 0.97 % 1.30 % 1.04 % Return on average equity 11.24 11.02 8.75 11.13 9.36 Common equity ratio 11.71 11.56 11.02 11.71 11.02 Efficiency ratio (2) 60.45 60.35 65.79 60.40 65.06 Average equity to average assets 11.64 11.70 11.08 11.67 11.10 Tier 1 leverage capital ratio (3) 11.47 11.48 11.22 11.47 11.22 Total risk-based capital ratio (3) 14.66 14.58 14.39 14.66 14.39 Net interest margin (4) 4.04 3.91 3.66 3.98 3.65 SELECTED NON-GAAP RATIOS (1) Tangible common equity ratio (5) 9.52 % 9.35 % 8.73 % 9.52 % 8.73 % Return on average tangible common equity (6) 14.48 14.25 11.73 14.37 12.56 (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 Consolidated Net Interest Margin (Unaudited) Three Months Ended 6/30/2025 3/31/2025 6/30/2024 (dollars in thousands) Average Balance Interest Average Yield/ Rate Average Balance Interest Average Yield/ Rate Average Balance Interest Average Yield/ Rate Interest-earning assets: Loans receivable $  2,764,065 $       45,287 6.50 % $  2,745,212 $       44,032 6.43 % $  2,652,331 $       41,999 6.28 % Investment securities (TE)(1) 426,601 2,596 2.45 439,556 2,664 2.44 463,500 2,740 2.38 Other interest-earning assets 71,067 746 4.21 55,851 505 3.67 51,355 719 5.64 Total interest-earning assets $  3,261,733 $       48,629 5.92 % $  3,240,619 $       47,201 5.84 % $  3,167,186 $       45,458 5.70 % Interest-bearing liabilities: Deposits: Savings, checking, and money market $  1,296,541 $          5,531 1.71 % $  1,306,602 $          5,401 1.68 % $  1,260,491 $          5,108 1.63 % Certificates of deposit 791,240 7,611 3.86 732,079 7,221 4.00 704,690 8,026 4.58 Total interest-bearing deposits 2,087,781 13,142 2.52 2,038,681 12,622 2.51 1,965,181 13,134 2.69 Other borrowings 5,572 53 3.84 5,539 53 3.89 140,610 1,656 4.74 Subordinated debt 54,540 844 6.20 54,485 845 6.20 54,322 844 6.22 FHLB advances 114,023 1,239 4.30 180,658 1,932 4.28 46,499 431 3.69 Total interest-bearing liabilities $  2,261,916 $       15,278 2.71 % $  2,279,363 $       15,452 2.74 % $  2,206,612 $       16,065 2.93 % Noninterest-bearing deposits $     775,902 $     733,613 $     751,776 Net interest spread (TE)(1) 3.21 % 3.10 % 2.77 % Net interest margin (TE)(1) 4.04 % 3.91 % 3.66 % (1) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21% HOME BANCORP, INC. AND SUBSIDIARY Consolidated Net Interest Margin (Unaudited) Six Months Ended 6/30/2025 6/30/2024 (dollars in thousands) Average Balance Interest Average Yield/ Rate Average Balance Interest Average Yield/ Rate Interest-earning assets: Loans receivable $        2,754,691 $             89,319 6.46 % $        2,627,636 $             82,566 6.23 % Investment securities (TE)(1) 433,043 5,260 2.45 468,039 5,528 2.38 Other interest-earning assets 63,501 1,251 3.97 54,229 1,490 5.53 Total interest-earning assets $        3,251,235 $             95,830 5.88 % $        3,149,904 $             89,584 5.65 % Interest-bearing liabilities: Deposits: Savings, checking, and money market $        1,301,544 $             10,932 1.69 % $        1,264,892 $                9,908 1.58 % Certificates of deposit 761,823 14,832 3.93 686,522 15,358 4.50 Total interest-bearing deposits 2,063,367 25,764 2.52 1,951,414 25,266 2.60 Other borrowings 5,556 106 3.86 133,294 3,142 4.74 Subordinated debt 54,512 1,689 6.20 54,295 1,689 6.22 FHLB advances 147,157 3,171 4.29 59,101 1,193 4.02 Total interest-bearing liabilities $        2,270,592 $             30,730 2.72 % $        2,198,104 $             31,290 2.86 % Noninterest-bearing deposits $           754,874 $           747,519 Net interest spread (TE)(1) 3.16 % 2.79 % Net interest margin (TE)(1) 3.98 % 3.65 % (1) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. HOME BANCORP, INC. AND SUBSIDIARY SUMMARY CREDIT QUALITY INFORMATION (Unaudited) Three Months Ended 6/30/2025 3/31/2025 12/31/2024 9/30/2024 6/30/2024 CREDIT QUALITY (1) Nonaccrual loans: One- to four-family first mortgage $            6,272 $            6,368 $            7,039 $            7,750 $            6,892 Home equity loans and lines 1,033 372 279 208 224 Commercial real estate 7,669 4,349 3,304 7,064 8,110 Construction and land 6,103 5,584 1,622 2,127 297 Multi-family residential 916 930 — — 238 Commercial and industrial 1,312 1,206 1,311 777 810 Consumer 35 161 27 129 246 Total nonaccrual loans $          23,340 $          18,970 $          13,582 $          18,055 $          16,817 Accruing loans 90 days or more past due 12 77 16 34 1 Total nonperforming loans 23,352 19,047 13,598 18,089 16,818 Foreclosed assets and ORE 2,077 2,424 2,010 267 231 Total nonperforming assets $          25,429 $          21,471 $          15,608 $          18,356 $          17,049 Nonperforming assets to total assets 0.73 % 0.62 % 0.45 % 0.53 % 0.50 % Nonperforming loans to total assets 0.67 0.55 0.39 0.53 0.49 Nonperforming loans to total loans 0.84 0.69 0.50 0.68 0.63 ALLOWANCE FOR CREDIT LOSSES Allowance for loan losses: Beginning balance $          33,278 $          32,916 $          32,278 $          32,212 $          31,461 Provision for loan losses 489 394 873 140 1,261 Charge-offs (460) (226) (255) (215) (574) Recoveries 125 194 20 141 64 Net charge-offs (335) (32) (235) (74) (510) Ending balance $          33,432 $          33,278 $          32,916 $          32,278 $          32,212 Reserve for unfunded lending commitments(2) Beginning balance $            2,700 $            2,700 $            2,460 $            2,460 $            2,594 (Reversal) provision for losses on unfunded lending commitments (970) — 240 — (134) Ending balance $            1,730 $            2,700 $            2,700 $            2,460 $            2,460 Total allowance for credit losses 35,162 35,978 35,616 34,738 34,672 Total loans $    2,764,538 $    2,747,277 $    2,718,185 $    2,668,286 $    2,661,346 Total unfunded commitments 492,306 508,864 516,785 527,333 509,835 Allowance for loan losses to nonperforming assets 131.47 % 154.99 % 210.89 % 175.84 % 188.94 % Allowance for loan losses to nonperforming loans 143.17 174.72 242.07 178.44 191.53 Allowance for loan losses to total loans 1.21 1.21 1.21 1.21 1.21 Allowance for credit losses to total loans 1.27 1.31 1.31 1.30 1.30 Year-to-date loan charge-offs $             (686) $             (226) $          (1,285) $          (1,030) $             (815) Year-to-date loan recoveries 319 194 249 229 88 Year-to-date net loan charge-offs $             (367) $                (32) $          (1,036) $             (801) $             (727) Annualized YTD net loan charge-offs to average loans (0.03) % — % (0.04) % (0.04) % (0.06) % (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. (2) The allowance for unfunded lending commitments is recorded within accrued interest payable and other liabilities on the Consolidated Statements of Financial Condition. SOURCE Home Bancorp, Inc. WANT YOUR COMPANY'S NEWS FEATURED ON PRNEWSWIRE.COM? 440k+ Newsrooms & Influencers 9k+ Digital Media Outlets 270k+ Journalists Opted In

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