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

, /PRNewswire/ -- Home Bancorp, Inc. (Nasdaq: "HBCP") (the "Company"), the parent company for Home Bank, N.A. (the "Bank") (www.home24bank.com), reported financial results for the third quarter of 2025. For the quarter, the Company reported net income of $12.4 million, or $1.59 per diluted common share ("diluted EPS"), up $1.0 million from $11.3 million, or $1.45 diluted EPS, for the second quarter of 2025. "Our third quarter results reflect continued strength and stability of the Company," said John W. Bordelon, President and Chief Executive Officer of the Company and the Bank. "While loan production was slower during the quarter, deposit growth improved reducing our loan to deposit ratio down to our target of 91%. Financial performance remained strong with ROA of 1.41% and a six-basis point NIM expansion to 4.10% for the quarter. Credit metrics reflect an increase in nonperforming and criticized loans during the quarter, but we do not anticipate any losses. We remain focused on proactively identifying and resolving problem loans as quickly as possible." Third Quarter 2025 Highlights Loans totaled $2.7 billion at September 30, 2025, down $58.6 million, or 2.1% (a decrease of 8% on an annualized basis), from June 30, 2025. Deposits totaled $3.0 billion at September 30, 2025, up $67.3 million, or 2.3% (an increase of 9% on an annualized basis), from June 30, 2025. Net interest income in the third quarter of 2025 totaled $34.1 million, up $755,000, or 2%, from the prior quarter. The net interest margin ("NIM") was 4.10% in the third quarter of 2025 compared to 4.04% in the second quarter of 2025. Nonperforming assets totaled $30.9 million, or 0.88% of total assets, at September 30, 2025 compared to $25.4 million, or 0.73% of total assets, at June 30, 2025. This increase in nonperforming assets is primarily due to five loan relationships which were moved to nonaccrual status, partially offset by paydowns in the third quarter of 2025. The Company recorded a $229,000 reversal to provision to the allowance for loan losses in the third quarter of 2025, compared to a $489,000 provision in the second quarter of 2025, primarily due to loan reduction which was partially offset by an increase in nonaccrual loans during the quarter. Loans Loans totaled $2.7 billion at September 30, 2025, down $58.6 million, or 2.1%, from June 30, 2025. The following table summarizes the changes in the Company's loan portfolio, net of unearned income, from June 30, 2025 through September 30, 2025. (dollars in thousands) 9/30/2025 6/30/2025 Increase (Decrease) Real estate loans: One- to four-family first mortgage $ 490,600 $ 504,145 $ (13,545) (3) % Home equity loans and lines 86,885 81,178 5,707 7 Commercial real estate 1,175,384 1,218,168 (42,784) (4) Construction and land 325,725 324,574 1,151 — Multi-family residential 184,022 183,809 213 — Total real estate loans 2,262,616 2,311,874 (49,258) (2) Other loans: Commercial and industrial 413,590 421,997 (8,407) (2) Consumer 29,689 30,667 (978) (3) Total other loans 443,279 452,664 (9,385) (2) Total loans $ 2,705,895 $ 2,764,538 $ (58,643) (2) % The average loan yield was 6.53% for the third quarter of 2025, up 3 basis points from the second quarter of 2025. Yields on loans were impacted by higher rates on new loans and loans paying off at lower rates. We experienced a slow down in loan production and higher than usual pay downs resulting in loan reduction across most of our markets in the third quarter of 2025. Credit Quality and Allowance for Credit Losses Nonperforming assets ("NPAs") totaled $30.9 million, or 0.88% of total assets, at September 30, 2025, up $5.5 million, or 22%, from $25.4 million, or 0.73% of total assets, at June 30, 2025. The increase in NPAs during the third quarter of 2025 was primarily due to five loan relationships totaling $9.4 million which were put on nonaccrual during the quarter, offset by payoffs and paydowns. During the third quarter of 2025, the Company recorded net loan charge-offs of $376,000, compared to net loan charge-offs of $335,000 during the second quarter of 2025. The Company reversed the provision to the allowance for loan losses in the amount of $229,000 in the third quarter of 2025. At September 30, 2025, the allowance for loan losses totaled $32.8 million, or 1.21% of total loans, compared to $33.4 million, or 1.21% of total loans, at June 30, 2025. Provisions to the allowance for loan losses are based upon, among other factors, our estimation of current expected losses in our loan portfolio, which we evaluate on a quarterly basis. Changes in expected losses consider various factors including the changing economic activity, borrower specific information impacting changes in risk ratings, projected delinquencies and the impact of industry-wide loan modification efforts, among other factors. The following tables present the Company's loan portfolio by credit quality classification as of September 30, 2025 and June 30, 2025. September 30, 2025 (dollars in thousands) Pass Special Mention Substandard Total One- to four-family first mortgage $ 483,737 $ — $ 6,863 $ 490,600 Home equity loans and lines 85,877 — 1,008 86,885 Commercial real estate 1,140,742 3,067 31,575 1,175,384 Construction and land 314,986 892 9,847 325,725 Multi-family residential 182,731 — 1,291 184,022 Commercial and industrial 406,591 — 6,999 413,590 Consumer 29,629 — 60 29,689 Total $ 2,644,293 $ 3,959 $ 57,643 $ 2,705,895 June 30, 2025 (dollars in thousands) Pass SpecialMention 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 Investment Securities The Company's investment securities portfolio totaled $384.4 million at September 30, 2025, a decrease of $10.1 million, or 3%, from June 30, 2025. At September 30, 2025, the Company had a net unrealized loss position on its investment securities of $26.5 million, compared to a net unrealized loss of $30.2 million at June 30, 2025. The Company's investment securities portfolio had an effective duration of 3.5 years and 3.6 years at September 30, 2025 and June 30, 2025, respectively. During the third quarter of 2025, the Company made securities purchases of $4.3 million, compared to $4.5 million during the second quarter of 2025. The Company had no securities sales during the third and second quarters of 2025. The following table summarizes the composition of the Company's investment securities portfolio at September 30, 2025. (dollars in thousands) AmortizedCost Fair Value Available for sale: U.S. agency mortgage-backed $ 277,168 $ 257,870 Collateralized mortgage obligations 63,606 62,465 Municipal bonds 53,130 47,810 U.S. government agency 11,448 10,951 Corporate bonds 4,490 4,244 Total available for sale $ 409,842 $ 383,340 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 September 30, 2025 to secure public deposits. The Company had $140.2 million and $141.7 million of securities pledged to secure public deposits at September 30, 2025 and June 30, 2025, respectively. Deposits Total deposits were $3.0 billion at September 30, 2025, up $67.3 million, or 2%, from June 30, 2025. Non-maturity deposits increased $52.6 million, or 3%, during the third quarter of 2025 to $2.1 billion. The following table summarizes the changes in the Company's deposits from June 30, 2025 to September 30, 2025. (dollars in thousands) 9/30/2025 6/30/2025 Increase (Decrease) Demand deposits $ 801,974 $ 796,844 $ 5,130 1 % Savings 200,135 204,191 (4,056) (2) Money market 499,404 463,332 36,072 8 NOW 641,204 625,793 15,411 2 Certificates of deposit 832,786 818,074 14,712 2 Total deposits $ 2,975,503 $ 2,908,234 $ 67,269 2 % The average rate on interest-bearing deposits increased 5 basis point from 2.52% for the second quarter of 2025 to 2.57% for the third quarter of 2025. At September 30, 2025, certificates of deposit maturing within the next 12 months totaled $810.5 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. September 30, 2025 June 30, 2025 Individuals 52 % 52 % Small businesses 39 38 Public funds 6 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 $894.8 million at September 30, 2025 and $887.9 million at June 30, 2025. Public funds in excess of the FDIC insurance limits are fully collateralized. Net Interest Income The net interest margin ("NIM") increased 6 basis points from 4.04% for the second quarter of 2025 to 4.10% for the third quarter of 2025, primarily due to an increase in average yield on interest-earnings assets and a decline in the average balance and cost for interest-bearing liabilities. The average cost of interest-bearing deposits increased by 5 basis point in the third quarter of 2025 compared to the second quarter of 2025. The increase in deposit costs was primarily due to a shift in higher cost certificates of deposit and money market accounts and a decrease in lower cost checking and savings accounts. Average other interest-earning assets were $99.7 million for the third quarter of 2025, up $28.6 million, or 40%, from the second quarter of 2025, primarily due to an increase in the average balance of cash and cash equivalents. Average FHLB advances were $39.4 million for the third quarter of 2025, a decrease of $74.6 million, or 65%, from the second quarter of 2025 due to paydowns of FHLB advances. Loan accretion income from acquired loans totaled $347,000 for the third quarter of 2025, down $9,000, or 3%, from the second quarter of 2025. Noninterest Income Noninterest income for the third quarter of 2025 totaled $3.7 million, up $22,000, or 1%, from the second quarter of 2025. The increase was related primarily to increases in service fees and charges (up $63,000), gain on sale of loans (up $30,000) and other income (up $25,000), which were partially offset by a decrease in bank card fees (down $104,000) for the third quarter of 2025 compared to the second quarter of 2025. Noninterest Expense Noninterest expense for the third quarter of 2025 totaled $22.5 million, up $124,000, or 1%, from the second quarter of 2025. The increase was primarily related to the absence of a reversal to the allowance for credit losses on unfunded commitments ($970,000) in the second quarter of 2025 and an increase in compensation and benefits expense (up $209,000), which were partially offset by decreases in other expenses (down $956,000) primarily due to a write off of an acquired SBA accounts receivable for guarantees that occurred in the second quarter of 2025 and data processing and communications (down $72,000) during the third quarter of 2025. Capital At September 30, 2025, shareholders' equity totaled $423.0 million, up $14.2 million, or 3%, compared to $408.8 million at June 30, 2025. The increase was primarily due to the Company's earnings of $12.4 million and a decrease in the accumulated other comprehensive loss on available for sale investment securities during the third quarter of 2025, which was partially offset by shareholder dividends. Preliminary Tier 1 leverage capital and total risk-based capital ratios were 11.90% and 15.24%, respectively, at September 30, 2025, compared to 11.47% and 14.66%, respectively, at June 30, 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 $0.31 per share (an increase of 7% from the previous quarterly cash dividend) payable on November 14, 2025, to shareholders of record as of November 3, 2025. The Company repurchased 100 shares of its common stock during the third quarter of 2025 at an average price per share of $52.29. An additional 390,972 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 $54.05 and $43.29, respectively, at September 30, 2025. Conference Call Executive management will host a conference call to discuss third quarter 2025 results on Tuesday, October 21, 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) 9/30/2025 6/30/2025 3/31/2025 12/31/2024 9/30/2024 Reported net income $ 12,357 $ 11,330 $ 10,964 $ 9,673 $ 9,437 Add: Core deposit intangible amortization, net tax 212 213 231 250 259 Non-GAAP tangible income $ 12,569 $ 11,543 $ 11,195 $ 9,923 $ 9,696 Total assets $ 3,494,074 $ 3,491,455 $ 3,485,453 $ 3,443,668 $ 3,441,990 Less: Intangible assets 84,214 84,482 84,751 85,044 85,361 Non-GAAP tangible assets $ 3,409,860 $ 3,406,973 $ 3,400,702 $ 3,358,624 $ 3,356,629 Total shareholders' equity $ 423,044 $ 408,818 $ 402,831 $ 396,088 $ 393,453 Less: Intangible assets 84,214 84,482 84,751 85,044 85,361 Non-GAAP tangible shareholders' equity $ 338,830 $ 324,336 $ 318,080 $ 311,044 $ 308,092 Return on average equity 11.78 % 11.24 % 11.02 % 9.71 % 9.76 % Add: Average intangible assets 3.24 3.24 3.23 2.99 3.14 Non-GAAP return on average tangible common equity 15.02 % 14.48 % 14.25 % 12.70 % 12.90 % Common equity ratio 12.11 % 11.71 % 11.56 % 11.50 % 11.43 % Less: Intangible assets 2.17 2.19 2.21 2.24 2.25 Non-GAAP tangible common equity ratio 9.94 % 9.52 % 9.35 % 9.26 % 9.18 % Book value per share $ 54.05 $ 52.36 $ 50.82 $ 48.95 $ 48.75 Less: Intangible assets 10.76 10.82 10.69 10.51 10.58 Non-GAAP tangible book value per share $ 43.29 $ 41.54 $ 40.13 $ 38.44 $ 38.17 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) 9/30/2025 6/30/2025 3/31/2025 12/31/2024 9/30/2024 Assets Cash and cash equivalents $ 189,324 $ 112,595 $ 110,662 $ 98,548 $ 135,877 Investment securities available for sale, at fair value 383,340 393,462 400,553 402,792 420,723 Investment securities held to maturity 1,065 1,065 1,065 1,065 1,065 Mortgage loans held for sale 1,932 1,305 1,855 832 242 Loans, net of unearned income 2,705,895 2,764,538 2,747,277 2,718,185 2,668,286 Allowance for loan losses (32,827) (33,432) (33,278) (32,916) (32,278) Total loans, net of allowance for loan losses 2,673,068 2,731,106 2,713,999 2,685,269 2,636,008 Office properties and equipment, net 45,223 45,216 45,327 42,324 42,659 Cash surrender value of bank-owned life insurance 49,269 48,981 48,699 48,421 48,139 Goodwill and core deposit intangibles 84,214 84,482 84,751 85,044 85,361 Accrued interest receivable and other assets 66,639 73,243 78,542 79,373 71,916 Total Assets $ 3,494,074 $ 3,491,455 $ 3,485,453 $ 3,443,668 $ 3,441,990 Liabilities Deposits $ 2,975,503 $ 2,908,234 $ 2,827,207 $ 2,780,696 $ 2,777,487 Other Borrowings 5,539 5,539 5,539 5,539 140,539 Subordinated debt, net of issuance cost 54,621 54,567 54,513 54,459 54,402 Federal Home Loan Bank advances 3,059 88,196 163,259 175,546 38,410 Accrued interest payable and other liabilities 32,308 26,101 32,104 31,340 37,699 Total Liabilities 3,071,030 3,082,637 3,082,622 3,047,580 3,048,537 Shareholders' Equity Common stock 78 78 79 81 81 Additional paid-in capital 168,016 166,576 167,231 168,138 166,743 Common stock acquired by benefit plans (1,071) (1,160) (1,250) (1,339) (1,428) Retained earnings 275,912 265,817 261,856 259,190 251,692 Accumulated other comprehensive loss (19,891) (22,493) (25,085) (29,982) (23,635) Total Shareholders' Equity 423,044 408,818 402,831 396,088 393,453 Total Liabilities and Shareholders' Equity $ 3,494,074 $ 3,491,455 $ 3,485,453 $ 3,443,668 $ 3,441,990 HOME BANCORP, INC. AND SUBSIDIARY CONDENSED STATEMENTS OF INCOME (Unaudited) Three Months Ended Nine Months Ended (dollars in thousands, except per share data) 9/30/2025 6/30/2025 9/30/2024 9/30/2025 9/30/2024 Interest Income Loans, including fees $ 45,607 $ 45,287 $ 43,711 $ 134,926 $ 126,277 Investment securities 2,504 2,596 2,677 7,764 8,205 Other investments and deposits 1,111 746 991 2,362 2,481 Total interest income 49,222 48,629 47,379 145,052 136,963 Interest Expense Deposits 13,805 13,142 13,908 39,569 39,174 Other borrowings 54 53 1,673 160 4,815 Subordinated debt expense 845 844 844 2,534 2,533 Federal Home Loan Bank advances 412 1,239 572 3,583 1,765 Total interest expense 15,116 15,278 16,997 45,846 48,287 Net interest income 34,106 33,351 30,382 99,206 88,676 (Reversal) provision for loan losses (229) 489 140 654 1,542 Net interest income after (reversal) provision for loan losses 34,335 32,862 30,242 98,552 87,134 Noninterest Income Service fees and charges 1,408 1,345 1,291 4,062 3,784 Bank card fees 1,646 1,750 1,613 4,974 4,939 Gain on sale of loans, net 144 114 195 635 408 Income from bank-owned life insurance 288 282 281 848 818 (Loss) gain on sale of assets, net — (2) (10) 7 (6) Other income 252 227 322 937 1,053 Total noninterest income 3,738 3,716 3,692 11,463 10,996 Noninterest Expense Compensation and benefits 13,531 13,322 13,058 39,505 38,016 Occupancy 2,544 2,513 2,732 7,618 7,789 Marketing and advertising 515 461 382 1,405 1,333 Data processing and communication 2,556 2,628 2,646 7,826 7,715 Professional fees 406 396 450 1,207 1,506 Forms, printing and supplies 175 203 188 578 580 Franchise and shares tax 475 483 488 1,434 1,463 Regulatory fees 459 502 493 1,477 1,471 Foreclosed assets, net 377 419 62 1,023 216 Amortization of acquisition intangible 268 269 328 830 1,011 Reversal for credit losses on unfunded commitments — (970) — (970) (134) Other expenses 1,225 2,181 1,431 4,584 3,968 Total noninterest expense 22,531 22,407 22,258 66,517 64,934 Income before income tax expense 15,542 14,171 11,676 43,498 33,196 Income tax expense 3,185 2,841 2,239 8,847 6,442 Net income $ 12,357 $ 11,330 $ 9,437 $ 34,651 $ 26,754 Earnings per share - basic $ 1.60 $ 1.47 $ 1.19 $ 4.45 $ 3.36 Earnings per share - diluted $ 1.59 $ 1.45 $ 1.18 $ 4.41 $ 3.34 Cash dividends declared per common share $ 0.29 $ 0.27 $ 0.25 $ 0.83 $ 0.75 HOME BANCORP, INC. AND SUBSIDIARY SUMMARY FINANCIAL INFORMATION (Unaudited) Three Months Ended Nine Months Ended (dollars in thousands, except per share data) 9/30/2025 6/30/2025 9/30/2024 9/30/2025 9/30/2024 EARNINGS DATA Total interest income $ 49,222 $ 48,629 $ 47,379 $ 145,052 $ 136,963 Total interest expense 15,116 15,278 16,997 45,846 48,287 Net interest income 34,106 33,351 30,382 99,206 88,676 (Reversal) provision for loan losses (229) 489 140 654 1,542 Total noninterest income 3,738 3,716 3,692 11,463 10,996 Total noninterest expense 22,531 22,407 22,258 66,517 64,934 Income tax expense 3,185 2,841 2,239 8,847 6,442 Net income $ 12,357 $ 11,330 $ 9,437 $ 34,651 $ 26,754 AVERAGE BALANCE SHEET DATA Total assets $ 3,467,070 $ 3,474,762 $ 3,405,083 $ 3,463,833 $ 3,368,857 Total interest-earning assets 3,255,291 3,261,733 3,202,364 3,252,602 3,167,518 Total loans 2,743,695 2,764,065 2,668,672 2,750,985 2,641,414 PPP loans 235 330 4,470 624 5,004 Total interest-bearing deposits 2,128,540 2,087,781 1,989,182 2,085,330 1,964,095 Total interest-bearing liabilities 2,228,117 2,261,916 2,240,838 2,256,278 2,212,453 Total deposits 2,918,938 2,863,683 2,730,568 2,852,176 2,709,555 Total shareholders' equity 416,239 404,367 384,518 408,083 376,170 PER SHARE DATA Earnings per share - basic $ 1.60 $ 1.47 $ 1.19 $ 4.45 $ 3.36 Earnings per share - diluted 1.59 1.45 1.18 4.41 3.34 Book value at period end 54.05 52.36 48.75 54.05 48.75 Tangible book value at period end 43.29 41.54 38.17 43.29 38.17 Shares outstanding at period end 7,827,481 7,808,421 8,070,539 7,827,481 8,070,539 Weighted average shares outstanding Basic 7,712,707 7,707,423 7,921,582 7,789,001 7,959,309 Diluted 7,782,979 7,781,021 7,966,957 7,862,712 8,008,305 SELECTED RATIOS (1) Return on average assets 1.41 % 1.31 % 1.10 % 1.34 % 1.06 % Return on average equity 11.78 11.24 9.76 11.35 9.50 Common equity ratio 12.11 11.71 11.43 12.11 11.43 Efficiency ratio (2) 59.54 60.45 65.32 60.10 65.15 Average equity to average assets 12.01 11.64 11.29 11.78 11.17 Tier 1 leverage capital ratio (3) 11.90 11.47 11.32 11.90 11.32 Total risk-based capital ratio (3) 15.24 14.66 14.74 15.24 14.74 Net interest margin (4) 4.10 4.04 3.71 4.02 3.67 SELECTED NON-GAAP RATIOS (1) Tangible common equity ratio (5) 9.94 % 9.52 % 9.18 % 9.94 % 9.18 % Return on average tangible common equity (6) 15.02 14.48 12.90 14.59 12.68 (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 9/30/2025 6/30/2025 9/30/2024 (dollars in thousands) AverageBalance Interest Average Yield/ Rate AverageBalance Interest AverageYield/ Rate Average Balance Interest Average Yield/ Rate Interest-earning assets: Loans receivable $ 2,743,695 $ 45,607 6.53 % $ 2,764,065 $ 45,287 6.50 % $ 2,668,672 $ 43,711 6.43 % Investment securities (TE)(1) 411,889 2,504 2.45 426,601 2,596 2.45 454,024 2,677 2.38 Other interest-earning assets 99,707 1,111 4.42 71,067 746 4.21 79,668 991 4.95 Total interest-earning assets $ 3,255,291 $ 49,222 5.95 % $ 3,261,733 $ 48,629 5.92 % $ 3,202,364 $ 47,379 5.82 % Interest-bearing liabilities: Deposits: Savings, checking, and money market $ 1,301,888 $ 5,783 1.76 % $ 1,296,541 $ 5,531 1.71 % $ 1,266,465 $ 5,571 1.75 % Certificates of deposit 826,652 8,022 3.85 791,240 7,611 3.86 722,717 8,337 4.59 Total interest-bearing deposits 2,128,540 13,805 2.57 2,087,781 13,142 2.52 1,989,182 13,908 2.78 Other borrowings 5,539 54 3.80 5,572 53 3.84 140,539 1,673 4.74 Subordinated debt 54,593 845 6.19 54,540 844 6.20 54,374 844 6.21 FHLB advances 39,445 412 4.12 114,023 1,239 4.30 56,743 572 3.99 Total interest-bearing liabilities $ 2,228,117 $ 15,116 2.69 % $ 2,261,916 $ 15,278 2.71 % $ 2,240,838 $ 16,997 3.02 % Noninterest-bearing deposits $ 790,398 $ 775,902 $ 741,387 Net interest spread (TE)(1) 3.26 % 3.21 % 2.80 % Net interest margin (TE)(1) 4.10 % 4.04 % 3.71 % (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) Nine Months Ended 9/30/2025 9/30/2024 (dollars in thousands) Average Balance Interest Average Yield/ Rate Average Balance Interest Average Yield/ Rate Interest-earning assets: Loans receivable $ 2,750,985 $ 134,926 6.49 % $ 2,641,414 $ 126,277 6.30 % Investment securities (TE)(1) 425,915 7,764 2.45 463,333 8,205 2.38 Other interest-earning assets 75,702 2,362 4.17 62,771 2,481 5.28 Total interest-earning assets $ 3,252,602 $ 145,052 5.90 % $ 3,167,518 $ 136,963 5.71 % Interest-bearing liabilities: Deposits: Savings, checking, and money market $ 1,301,660 $ 16,715 1.72 % $ 1,265,420 $ 15,479 1.63 % Certificates of deposit 783,670 22,854 3.90 698,675 23,695 4.53 Total interest-bearing deposits 2,085,330 39,569 2.54 1,964,095 39,174 2.66 Other borrowings 5,550 160 3.84 135,727 4,815 4.74 Subordinated debt 54,540 2,534 6.20 54,322 2,533 6.22 FHLB advances 110,858 3,583 4.27 58,309 1,765 4.01 Total interest-bearing liabilities $ 2,256,278 $ 45,846 2.71 % $ 2,212,453 $ 48,287 2.91 % Noninterest-bearing deposits $ 766,846 $ 745,460 Net interest spread (TE)(1) 3.19 % 2.80 % Net interest margin (TE)(1) 4.02 % 3.67 % (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 9/30/2025 6/30/2025 3/31/2025 12/31/2024 9/30/2024 CREDIT QUALITY (1) Nonaccrual loans: One- to four-family first mortgage $ 6,402 $ 6,272 $ 6,368 $ 7,039 $ 7,750 Home equity loans and lines 1,008 1,033 372 279 208 Commercial real estate 10,016 7,669 4,349 3,304 7,064 Construction and land 9,847 6,103 5,584 1,622 2,127 Multi-family residential 973 916 930 — — Commercial and industrial 1,161 1,312 1,206 1,311 777 Consumer 60 35 161 27 129 Total nonaccrual loans $ 29,467 $ 23,340 $ 18,970 $ 13,582 $ 18,055 Accruing loans 90 days or more past due 55 12 77 16 34 Total nonperforming loans 29,522 23,352 19,047 13,598 18,089 Foreclosed assets and ORE 1,384 2,077 2,424 2,010 267 Total nonperforming assets $ 30,906 $ 25,429 $ 21,471 $ 15,608 $ 18,356 Nonperforming assets to total assets 0.88 % 0.73 % 0.62 % 0.45 % 0.53 % Nonperforming loans to total assets 0.84 0.67 0.55 0.39 0.53 Nonperforming loans to total loans 1.09 0.84 0.69 0.50 0.68 ALLOWANCE FOR CREDIT LOSSES Allowance for loan losses: Beginning balance $ 33,432 $ 33,278 $ 32,916 $ 32,278 $ 32,212 (Reversal) provision for loan losses (229) 489 394 873 140 Charge-offs (488) (460) (226) (255) (215) Recoveries 112 125 194 20 141 Net charge-offs (376) (335) (32) (235) (74) Ending balance $ 32,827 $ 33,432 $ 33,278 $ 32,916 $ 32,278 Reserve for unfunded lending commitments(2) Beginning balance $ 1,730 $ 2,700 $ 2,700 $ 2,460 $ 2,460 (Reversal) provision for losses on unfunded lending commitments — (970) — 240 — Ending balance $ 1,730 $ 1,730 $ 2,700 $ 2,700 $ 2,460 Total allowance for credit losses 34,557 35,162 35,978 35,616 34,738 Total loans $ 2,705,895 $ 2,764,538 $ 2,747,277 $ 2,718,185 $ 2,668,286 Total unfunded commitments 509,709 492,306 508,864 516,785 527,333 Allowance for loan losses to nonperforming assets 106.22 % 131.47 % 154.99 % 210.89 % 175.84 % Allowance for loan losses to nonperforming loans 111.20 143.17 174.72 242.07 178.44 Allowance for loan losses to total loans 1.21 1.21 1.21 1.21 1.21 Allowance for credit losses to total loans 1.28 1.27 1.31 1.31 1.30 Year-to-date loan charge-offs $ (1,174) $ (686) $ (226) $ (1,285) $ (1,030) Year-to-date loan recoveries 431 319 194 249 229 Year-to-date net loan charge-offs $ (743) $ (367) $ (32) $ (1,036) $ (801) Annualized YTD net loan charge-offs to average loans (0.04) % (0.03) % — % (0.04) % (0.04) % (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

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

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