Home Bancorp, Inc. Earnings Summary — Q2 FY2026

• Net income rose to $11.6 million ($1.48 per diluted share), a 2% sequence increase from Q1 2026.
• Net Interest Margin (NIM) expanded 8 basis points to 4.24%, driven by higher asset yields outpacing liability costs.
• Loans grew by $50.7 million (1.9% QoQ, 7% annualized), led by commercial real estate and multi-family segments.
• Deposits increased 1% QoQ to $3.1 billion, with core deposits specifically growing 2%.
• Credit quality remains stable with nonperforming assets down 2% to 1.09% of total assets, despite an increase in criticized loans.
• The Board declared a quarterly dividend of $0.32 per share, representing a 3% increase over the previous quarter.
• Noninterest expense increased 7% sequentially, primarily due to higher compensation and occupancy costs.

Management expects to continue identifying and resolving problem loans quickly without anticipating sizeable losses. They remain focused on maintaining growth momentum and have achieved a target loan-to-deposit ratio of 91%.

Improving

Expansion in NIM and the resumption of loan growth after a slow start to the year, paired with a dividend increase, signal strengthening operational confidence.

The company remains focused on fundamental regional banking growth, utilizing its strong Tier 1 leverage capital ratio of 12.11% to support further loan expansion and shareholder returns.