Form 8-K - Current report

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934


Date of Report (Date of earliest event reported)			October 17, 2024


Home Bancorp, Inc.
(Exact name of registrant as specified in its charter)


Louisiana	001-34190	71-1051785
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification No.)


503 Kaliste Saloom Road, Lafayette, Louisiana			70508
(Address of principal executive offices)			(Zip Code)


Registrant’s telephone number, including area code			(337) 237-1960


N/A
(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2 below):


☐			Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐			Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐			Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐			Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:


Title of each class	Trading symbol(s)	Name of each exchange on which registered
Common Stock	HBCP	Nasdaq Stock Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨


Item 2.02			Results of Operations and Financial Condition

On October 17, 2024, the Registrant announced its results of operations for the quarter ended September 30, 2024. A copy of the related press release (the "Press Release") is attached as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated by reference herein. The Press Release attached hereto is being furnished to the SEC and shall not be deemed "filed" for any purpose except as otherwise provided herein.


Item 7.01			Regulation FD Disclosure

On October 17, 2024, the Registrant made available the supplemental information attached as Exhibit 99.2 prepared for use with the press release.

The investor presentation attached hereto as Exhibit 99.2 and incorporated herein by reference is being furnished pursuant to this Item 7.01 and shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), or otherwise subject to the liabilities of that section, and it shall not be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or under the Exchange Act, whether made before or after the date hereof, except as expressly set forth by specific reference in such filing to this Current Report on Form 8-K.


Item 8.01			Other Events

On October 17, 2024, the Registrant announced that its Board of Directors declared a quarterly cash dividend on shares of its common stock of $0.26 per share. The cash dividend will be paid on November 8, 2024 to shareholders of record at the close of business on October 28, 2024.


Item 9.01			Financial Statements and Exhibits

(a)Not applicable.

(b)Not applicable.

(c)Not applicable.

(d)Exhibits

The following exhibit is filed herewith.


Exhibit Number						Description
99.1						Press Release - Results of Operations and Financial Condition, dated October 17, 2024
99.2						Home Bancorp, Inc. Investor Presentation - Q3 2024 Results
104						The cover page of Home Bancorp Inc.'s Form 8-K is formatted in Inline XBRL.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.


	HOME BANCORP, INC.


Date: October 17, 2024	By:	/s/ John W. Bordelon
		John W. Bordelon
		Chairman of the Board, President and Chief Executive Officer

For further information contact:

John W. Bordelon, Chairman of the Board, President and CEO

(337) 237-1960


Release Date:			October 17, 2024
			For Immediate Release

HOME BANCORP, INC. ANNOUNCES 2024 THIRD QUARTER RESULTS AND

INCREASES QUARTERLY DIVIDEND BY 4%

Lafayette, Louisiana – 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 2024. For the quarter, the Company reported net income of $9.4 million, or $1.18 per diluted common share (“diluted EPS”), up $1.3 million from $8.1 million, or $1.02 diluted EPS, for the second quarter of 2024.

“We are pleased with the financial results for the current quarter,” said John W. Bordelon, President and Chief Executive Officer of the Company and the Bank. “While loan growth has slowed from second quarter, deposit growth continues to improve reducing our loan to deposit ratio down to 96%. Our net interest margin remains strong at 3.71% and continued to move upward through the quarter.”

Third Quarter 2024 Highlights

•Loans totaled $2.7 billion at September 30, 2024, up $6.9 million, or less than 1%, (an increase of 1% on an annualized basis) from June 30, 2024.

•Deposits totaled $2.8 billion at September 30, 2024, up $54.6 million, or 2% (8% on an annualized basis), from June 30, 2024.

•Net interest income in the third quarter of 2024 totaled $30.4 million, up $989,000, or 3% from the prior quarter.

•The net interest margin ("NIM") was 3.71% in the third quarter of 2024 compared to 3.66% in the second quarter of 2024.

•Nonperforming assets totaled $18.4 million, or 0.53% of total assets, at September 30, 2024 compared to $17.0 million, or 0.50% of total assets, at June 30, 2024.

•The Company recorded a $140,000 provision to the allowance for loan losses in the third quarter of 2024, compared to a $1.3 million provision in the second quarter of 2024.

•Net loan charge-offs were $74,000 for the third quarter of 2024, compared to net loan charge-offs of $510,000 during the second quarter of 2024. Annualized year-to-date net loan charge offs to average loans was 0.04%.

Loans

Loans totaled $2.7 billion at September 30, 2024, up $6.9 million, or less than 1%, from June 30, 2024. The following table summarizes the changes in the Company’s loan portfolio, net of unearned income, from June 30, 2024 through September 30, 2024.


(dollars in thousands)	9/30/2024		6/30/2024		Increase (Decrease)
Real estate loans:
One- to four-family first mortgage	$	502,784	$	446,255	$	56,529	13	%
Home equity loans and lines	80,935		70,617		10,318		15
Commercial real estate	1,143,152		1,228,757		(85,605)		(7)
Construction and land	329,787		328,938		849		—
Multi-family residential	169,443		126,922		42,521		34
Total real estate loans	2,226,101		2,201,489		24,612		1
Other loans:
Commercial and industrial	412,753		427,339		(14,586)		(3)
Consumer	29,432		32,518		(3,086)		(9)
Total other loans	442,185		459,857		(17,672)		(4)
Total loans	$	2,668,286	$	2,661,346	$	6,940	—	%

The average loan yield was 6.43% for the third quarter of 2024, up 15 basis points from the second quarter of 2024. Loans grew in the third quarter of 2024 across most of our markets, with New Orleans and Houston leading the net growth.

Credit Quality and Allowance for Credit Losses

Nonperforming assets (“NPAs”) totaled $18.4 million, or 0.53% of total assets, at September 30, 2024, up $1.3 million, or 8%, from $17.0 million, or 0.50% of total assets, at June 30, 2024. The increase in NPAs during the third quarter of 2024 was primarily due to two loan relationships which were put on nonaccrual during the third quarter of 2024. During the third quarter of 2024, the Company recorded net loan charge-offs of $74,000, compared to net loan charge-offs of $510,000 during the second quarter of 2024.

The Company provisioned $140,000 to the allowance for loan losses in the third quarter of 2024. At September 30, 2024, the allowance for loan losses totaled $32.3 million, or 1.21% of total loans, compared to $32.2 million, or 1.21% of total loans, at June 30, 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 September 30, 2024 and June 30, 2024.


	September 30, 2024
(dollars in thousands)		Pass		Special Mention		Substandard		Total
One- to four-family first mortgage		$	494,180	$	859	$	7,745	$	502,784
Home equity loans and lines		80,729		—		206		80,935
Commercial real estate		1,125,331		—		17,821		1,143,152
Construction and land		323,751		308		5,728		329,787
Multi-family residential		168,513		—		930		169,443
Commercial and industrial		409,388		1,248		2,117		412,753
Consumer		29,302		—		130		29,432
Total		$	2,631,194	$	2,415	$	34,677	$	2,668,286

	June 30, 2024
(dollars in thousands)		Pass		Special Mention		Substandard		Total
One- to four-family first mortgage		$	437,753	$	1,417	$	7,085	$	446,255
Home equity loans and lines		70,394		—		223		70,617
Commercial real estate		1,207,421		3,469		17,867		1,228,757
Construction and land		324,729		310		3,899		328,938
Multi-family residential		125,689		65		1,168		126,922
Commercial and industrial		423,673		1,493		2,173		427,339
Consumer		32,273		—		245		32,518
Total		$	2,621,932	$	6,754	$	32,660	$	2,661,346

Investment Securities

The Company's investment securities portfolio totaled $421.8 million at September 30, 2024, an increase of $8.3 million, or 2%, from June 30, 2024. At September 30, 2024, the Company had a net unrealized loss position on its investment securities of $32.2 million, compared to a net unrealized loss of $46.6 million at June 30, 2024. The Company’s investment securities portfolio had an effective duration of 3.7 years and 4.0 years at September 30, 2024 and June 30, 2024, respectively. During the third quarter of 2024, the Company made securities purchases of $4.9 million. No other purchases or sales of securities were made during the year.

The following table summarizes the composition of the Company's investment securities portfolio at September 30, 2024.


(dollars in thousands)	Amortized Cost		Fair Value
Available for sale:
U.S. agency mortgage-backed	$	296,894	$	273,581
Collateralized mortgage obligations	77,351		75,438
Municipal bonds	53,568		47,770
U.S. government agency	18,139		17,490
Corporate bonds	6,984		6,444
Total available for sale	$	452,936	$	420,723
Held to maturity:
Municipal bonds	$	1,065	$	1,066
Total held to maturity	$	1,065	$	1,066

Approximately 66% of the investment securities portfolio was pledged as of September 30, 2024 to secure public deposits and borrowings with the Federal Reserve Bank Term Funding Program ("BTFP"). The Company had $142.0 million of securities pledged to secure public deposits and $135.0 million pledged to the BTFP borrowings at September 30, 2024 and June 30, 2024.

Deposits

Total deposits were $2.8 billion at September 30, 2024, up $54.6 million, or 2%, from June 30, 2024. Non-maturity deposits increased $45.2 million, or 2%, during the third quarter of 2024 to $2.1 billion. The following table summarizes the changes in the Company’s deposits from June 30, 2024 to September 30, 2024.


(dollars in thousands)	9/30/2024		6/30/2024		Increase (Decrease)
Demand deposits	$	740,854	$	746,504	$	(5,650)	(1)	%
Savings	215,815		218,307		(2,492)		(1)
Money market	452,456		427,406		25,050		6
NOW	644,061		615,809		28,252		5
Certificates of deposit	724,301		714,889		9,412		1
Total deposits	$	2,777,487	$	2,722,915	$	54,572	2	%

The average rate on interest-bearing deposits increased 9 basis points from 2.69% for the second quarter of 2024 to 2.78% for the third quarter of 2024. At September 30, 2024, certificates of deposit maturing within the next 12 months totaled $680.8 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, 2024	June 30, 2024
Individuals	52%	53%
Small businesses	38	37
Public funds	7	8
Broker	3	2
Total	100%	100%

The total amounts of our uninsured deposits (deposits in excess of $250,000, as calculated in accordance with FDIC regulations) were $818.7 million at September 30, 2024 and $780.1 million at June 30, 2024. Public funds in excess of the FDIC insurance limits are fully collateralized.

Net Interest Income

The net interest margin ("NIM") increased 5 basis points from 3.66% for the second quarter of 2024 to 3.71% for the third quarter of 2024 primarily due to the increase in average interest-earning assets outpacing the increase in average interest-bearing liabilities.

The average loan yield was 6.43% for the third quarter of 2024, up 15 basis points from the second quarter of 2024, primarily due to new loan originations at higher market rates during the third quarter.

The average cost of interest-bearing deposits increased by 9 basis points in the third quarter of 2024 compared to the second quarter of 2024. The increase in deposit costs reflects the rise in market rates of interest as well as a migration to interest-bearing deposits from non-interest bearing deposits.

Average other interest-earning assets were $79.7 million for the third quarter of 2024, up $28.3 million, or 55%, from the second quarter of 2024 primarily due to a reallocation of certain other interest-earning assets.

Loan accretion income from acquired loans totaled $452,000 for the third quarter of 2024, down $38,000, or 8%, from the second 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
	9/30/2024						6/30/2024
(dollars in thousands)	Average Balance		Interest		Average Yield/ Rate		Average Balance		Interest		Average Yield/ Rate
Interest-earning assets:
Loans receivable	$	2,668,672	$	43,711	6.43	%	$	2,652,331	$	41,999	6.28	%
Investment securities (TE)	454,024		2,677		2.38		463,500		2,740		2.38
Other interest-earning assets	79,668		991		4.95		51,355		719		5.64
Total interest-earning assets	$	3,202,364	$	47,379	5.82	%	$	3,167,186	$	45,458	5.70	%
Interest-bearing liabilities:
Deposits:
Savings, checking, and money market	$	1,266,465	$	5,571	1.75	%	$	1,260,491	$	5,108	1.63	%
Certificates of deposit	722,717		8,337		4.59		704,690		8,026		4.58
Total interest-bearing deposits	1,989,182		13,908		2.78		1,965,181		13,134		2.69
Other borrowings	140,539		1,673		4.74		140,610		1,656		4.74
Subordinated debt	54,374		844		6.21		54,322		844		6.22
FHLB advances	56,743		572		3.99		46,499		431		3.69
Total interest-bearing liabilities	$	2,240,838	$	16,997	3.02	%	$	2,206,612	$	16,065	2.93	%
Noninterest-bearing deposits	$	741,387					$	751,776
Net interest spread (TE)					2.80	%					2.77	%
Net interest margin (TE)					3.71	%					3.66	%

Noninterest Income

Noninterest income for the third quarter of 2024 totaled $3.7 million, down $63,000, or 2%, from the second quarter of 2024. The decrease was related primarily to bank card fees (down $138,000), which was partially offset by gain on sale of loans (up $69,000) for the third quarter of 2024 compared to the second quarter of 2024.

Noninterest Expense

Noninterest expense for the third quarter of 2024 totaled $22.3 million, up $450,000, or 2%, from the second quarter of 2024. The increase was primarily related to compensation and benefits expense (up $270,000), the absence of a reversal to the allowance for credit losses on unfunded commitments ($134,000), and occupancy expense (up $129,000), which were partially offset by professional fees (down $131,000) during the third quarter of 2024.

Capital and Liquidity

At September 30, 2024, shareholders’ equity totaled $393.5 million, up $17.6 million, or 5%, compared to $375.8 million at June 30, 2024. The increase was primarily due to the the Company’s earnings of $9.4 million and a decrease in the accumulated other comprehensive loss on available for sale investments securities during the third quarter of 2024, 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 11.32% and 15.03%, respectively, at September 30, 2024, compared to 11.22% and 14.39%, respectively, at June 30, 2024.

The following table summarizes the Company's primary and secondary sources of liquidity which were available at September 30, 2024.


(dollars in thousands)	September 30, 2024
Cash and cash equivalents	$	135,877
Unencumbered investment securities, amortized cost	59,838
FHLB advance availability	1,147,306
Amounts available from unsecured lines of credit	55,000

Federal Reserve discount window availability	500
Total primary and secondary sources of available liquidity	$	1,398,521

Dividend and Share Repurchases

The Company announces that its Board of Directors declared a quarterly cash dividend on shares of its common stock of $0.26 per share payable on November 8, 2024, to shareholders of record as of October 28, 2024.

The Company repurchased 24,473 shares of its common stock during the third quarter of 2024 at an average price per share of $38.50. An additional 313,812 shares remain eligible for purchase under the 2023 Repurchase Plan. The book value per share and tangible book value per share of the Company’s common stock was $48.75 and $38.17, respectively, at September 30, 2024.

Conference Call

Executive management will host a conference call to discuss third quarter 2024 results on Friday, October 18, 2024 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)	9/30/2024			6/30/2024			9/30/2023
Reported net income	$	9,437		$	8,118		$	9,754
Add: Core deposit intangible amortization, net tax	259			261			307
Non-GAAP tangible income	$	9,696		$	8,379		$	10,061

















Total assets	$	3,441,990		$	3,410,881		$	3,317,729
Less: Intangible assets	85,361			85,690			86,749
Non-GAAP tangible assets	$	3,356,629		$	3,325,191		$	3,230,980

Total shareholders’ equity	$	393,453		$	375,830		$	345,332
Less: Intangible assets	85,361			85,690			86,749
Non-GAAP tangible shareholders’ equity	$	308,092		$	290,140		$	258,583

















Return on average equity	9.76		%	8.75		%	11.04		%
Add: Average intangible assets	3.14			2.98			4.11
Non-GAAP return on average tangible common equity	12.90		%	11.73		%	15.15		%

Common equity ratio	11.43		%	11.02		%	10.41		%
Less: Intangible assets	2.25			2.29			2.41
Non-GAAP tangible common equity ratio	9.18		%	8.73		%	8.00		%

Book value per share	$	48.75		$	46.51		$	42.30
Less: Intangible assets	10.58			10.61			10.63
Non-GAAP tangible book value per share	$	38.17		$	35.90		$	31.67

This news release contains certain forward-looking statements. Forward-looking statements can be identified by the fact that they do not relate strictly to historical or current facts. They often include the words “believe,” “expect,” “anticipate,” “intend,” “plan,” “estimate” or words of similar meaning, or future or conditional verbs such as “will,” “would,” “should,” “could” or “may.”

Forward-looking statements, by their nature, are subject to risks and uncertainties. A number of factors - many of which are beyond our control - could cause actual conditions, events or results to differ significantly from those described in the forward-looking statements. Home Bancorp’s Annual Report on Form 10-K for the year ended December 31, 2023

describes some of these factors, including risk elements in the loan portfolio, 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)	9/30/2024		6/30/2024		% Change		9/30/2023
Assets
Cash and cash equivalents	$	135,877	$	113,462	20	%	$	84,520
Interest-bearing deposits in banks	—		—		—		99
Investment securities available for sale, at fair value	420,723		412,472		2		427,019
Investment securities held to maturity	1,065		1,065		—		1,065
Mortgage loans held for sale	242		—		—		467
Loans, net of unearned income	2,668,286		2,661,346		—		2,569,094
Allowance for loan losses	(32,278)		(32,212)		—		(31,123)
Total loans, net of allowance for loan losses	2,636,008		2,629,134		—		2,537,971
Office properties and equipment, net	42,659		43,089		(1)		42,402
Cash surrender value of bank-owned life insurance	48,139		47,858		1		47,054
Goodwill and core deposit intangibles	85,361		85,690		—		86,749
Accrued interest receivable and other assets	71,916		78,111		(8)		90,383
Total Assets	$	3,441,990	$	3,410,881	1	%	$	3,317,729

Liabilities
Deposits	$	2,777,487	$	2,722,915	2	%	$	2,597,484
Other Borrowings	140,539		140,539		—		5,539
Subordinated debt, net of issuance cost	54,402		54,348		—		54,187
Federal Home Loan Bank advances	38,410		83,506		(54)		283,826
Accrued interest payable and other liabilities	37,699		33,743		12		31,361
Total Liabilities	3,048,537		3,035,051		—		2,972,397

Shareholders' Equity
Common stock	81		81		—		81
Additional paid-in capital	166,743		165,918		—		165,149
Common stock acquired by benefit plans	(1,428)		(1,518)		6		(1,787)
Retained earnings	251,692		245,046		3		227,649
Accumulated other comprehensive loss	(23,635)		(33,697)		30		(45,760)
Total Shareholders' Equity	393,453		375,830		5		345,332
Total Liabilities and Shareholders' Equity	$	3,441,990	$	3,410,881	1	%	$	3,317,729


HOME BANCORP, INC. AND SUBSIDIARY
CONDENSED STATEMENTS OF INCOME
(Unaudited)
	Quarter Ended
(dollars in thousands, except per share data)	9/30/2024		6/30/2024		% Change		9/30/2023		% Change
Interest Income
Loans, including fees	$	43,711	$	41,999	4	%	$	38,490	14	%
Investment securities	2,677		2,740		(2)		2,939		(9)
Other investments and deposits	991		719		38		649		53
Total interest income	47,379		45,458		4		42,078		13
Interest Expense
Deposits	13,908		13,134		6	%	8,181		70	%
Other borrowings	1,673		1,656		1		53		3057
Subordinated debt expense	844		844		—		845		—
Federal Home Loan Bank advances	572		431		33		3,490		(84)
Total interest expense	16,997		16,065		6		12,569		35
Net interest income	30,382		29,393		3		29,509		3
Provision for loan losses	140		1,261		(89)		351		(60)
Net interest income after provision for loan losses	30,242		28,132		8		29,158		4
Noninterest Income
Service fees and charges	1,291		1,239		4	%	1,277		1	%
Bank card fees	1,613		1,751		(8)		1,903		(15)
Gain on sale of loans, net	195		126		55		687		(72)
Income from bank-owned life insurance	281		271		4		265		6

Loss on sale of assets, net	(10)		(2)		(400)		—		—
Other income	322		370		(13)		267		21
Total noninterest income	3,692		3,755		(2)		4,399		(16)
Noninterest Expense
Compensation and benefits	13,058		12,788		2	%	12,492		5	%
Occupancy	2,732		2,603		5		2,410		13
Marketing and advertising	382		485		(21)		638		(40)
Data processing and communication	2,646		2,555		4		2,496		6
Professional fees	450		581		(23)		402		12
Forms, printing and supplies	188		187		1		195		(4)
Franchise and shares tax	488		487		—		542		(10)
Regulatory fees	493		509		(3)		511		(4)
Foreclosed assets, net	62		89		(30)		99		(37)
Amortization of acquisition intangible	328		329		—		389		(16)
(Reversal) provision for credit losses on unfunded commitments	—		(134)		100		—		—
Other expenses	1,431		1,329		8		1,164		23
Total noninterest expense	22,258		21,808		2		21,338		4
Income before income tax expense	11,676		10,079		16		12,219		(4)
Income tax expense	2,239		1,961		14		2,465		(9)
Net income	$	9,437	$	8,118	16	%	$	9,754	(3)	%

Earnings per share - basic	$	1.19	$	1.02	17	%	$	1.22	(2)	%
Earnings per share - diluted	$	1.18	$	1.02	16	%	$	1.22	(3)	%

Cash dividends declared per common share	$	0.25	$	0.25	—	%	$	0.25	—	%


HOME BANCORP, INC. AND SUBSIDIARY
SUMMARY FINANCIAL INFORMATION
(Unaudited)
	Quarter Ended
(dollars in thousands, except per share data)	9/30/2024			6/30/2024			% Change		9/30/2023			% Change
EARNINGS DATA
Total interest income	$	47,379		$	45,458		4	%	$	42,078		13	%
Total interest expense	16,997			16,065			6		12,569			35
Net interest income	30,382			29,393			3		29,509			3
Provision for loan losses	140			1,261			(89)		351			(60)
Total noninterest income	3,692			3,755			(2)		4,399			(16)
Total noninterest expense	22,258			21,808			2		21,338			4
Income tax expense	2,239			1,961			14		2,465			(9)
Net income	$	9,437		$	8,118		16		$	9,754		(3)

AVERAGE BALANCE SHEET DATA
Total assets	$	3,405,083		$	3,367,207		1	%	$	3,281,093		4	%
Total interest-earning assets	3,202,364			3,167,186			1		3,087,452			4
Total loans	2,668,672			2,652,331			1		2,538,218			5
PPP loans	4,470			5,156			(13)		5,869			(24)
Total interest-bearing deposits	1,989,182			1,965,181			1		1,768,639			12
Total interest-bearing liabilities	2,240,838			2,206,612			2		2,101,424			7
Total deposits	2,730,568			2,716,957			1		2,568,173			6
Total shareholders' equity	384,518			373,139			3		350,436			10

PER SHARE DATA
Earnings per share - basic	$	1.19		$	1.02		17	%	$	1.22		(2)	%
Earnings per share - diluted	1.18			1.02			16		1.22			(3)
Book value at period end	48.75			46.51			5		42.30			15
Tangible book value at period end	38.17			35.90			6		31.67			21
Shares outstanding at period end	8,070,539			8,081,344			—		8,163,655			(1)
Weighted average shares outstanding
Basic	7,921,582			7,972,445			(1)	%	8,006,226			(1)	%
Diluted	7,966,957			8,018,908			(1)		8,038,606			(1)

SELECTED RATIOS (1)
Return on average assets	1.10		%	0.97		%	13	%	1.18		%	(7)	%
Return on average equity	9.76			8.75			12		11.04			(12)
Common equity ratio	11.43			11.02			4		10.41			10
Efficiency ratio (2)	65.32			65.79			(1)		62.93			4
Average equity to average assets	11.29			11.08			2		10.68			6
Tier 1 leverage capital ratio (3)	11.32			11.22			1		10.71			6
Total risk-based capital ratio (3)	15.03			14.39			4		13.73			9
Net interest margin (4)	3.71			3.66			1		3.75			(1)

SELECTED NON-GAAP RATIOS (1)
Tangible common equity ratio (5)	9.18		%	8.73		%	5	%	8.00		%	15	%
Return on average tangible common equity (6)	12.90			11.73			10		15.15			(15)

(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)
	9/30/2024							6/30/2024							9/30/2023
(dollars in thousands)	Originated		Acquired		Total			Originated		Acquired		Total			Originated		Acquired		Total
CREDIT QUALITY (1)
Nonaccrual loans	$	13,741	$	4,314	$	18,055		$	12,594	$	4,223	$	16,817		$	8,001	$	3,905	$	11,906
Accruing loans 90 days or more past due	34		—		34			1		—		1			43		—		43
Total nonperforming loans	13,775		4,314		18,089			12,595		4,223		16,818			8,044		3,905		11,949
Foreclosed assets and ORE	—		267		267			16		215		231			221		141		362
Total nonperforming assets	$	13,775	$	4,581	$	18,356		$	12,611	$	4,438	$	17,049		$	8,265	$	4,046	$	12,311



Nonperforming assets to total assets					0.53		%					0.50		%					0.37		%
Nonperforming loans to total assets					0.53							0.49							0.36
Nonperforming loans to total loans					0.68							0.63							0.47

(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)
	9/30/2024							6/30/2024							9/30/2023
	Collectively Evaluated		Individually Evaluated		Total			Collectively Evaluated		Individually Evaluated		Total			Collectively Evaluated		Individually Evaluated		Total
ALLOWANCE FOR CREDIT LOSSES
One- to four-family first mortgage	$	4,402	$	—	$	4,402		$	3,349	$	—	$	3,349		$	3,320	$	—	$	3,320
Home equity loans and lines	785		—		785			705		—		705			742		—		742
Commercial real estate	13,271		200		13,471			14,957		200		15,157			14,185		230		14,415
Construction and land	5,167		—		5,167			5,304		—		5,304			5,123		—		5,123
Multi-family residential	1,079		—		1,079			582		—		582			523		—		523
Commercial and industrial	6,635		42		6,677			6,320		58		6,378			6,161		105		6,266
Consumer	697		—		697			737		—		737			734		—		734
Total allowance for loan losses	$	32,036	$	242	$	32,278		$	31,954	$	258	$	32,212		$	30,788	$	335	$	31,123

Unfunded lending commitments(2)	2,460		—		2,460			2,460		—		2,460			2,454		—		2,454
Total allowance for credit losses	$	34,496	$	242	$	34,738		$	34,414	$	258	$	34,672		$	33,242	$	335	$	33,577

Allowance for loan losses to nonperforming assets					175.84		%					188.94		%					252.81		%
Allowance for loan losses to nonperforming loans					178.44		%					191.53		%					260.47		%
Allowance for loan losses to total loans					1.21		%					1.21		%					1.21		%
Allowance for credit losses to total loans					1.30		%					1.30		%					1.31		%

Year-to-date loan charge-offs					$	1,030						$	815						$	148
Year-to-date loan recoveries					229							88							296
Year-to-date net loan (charge-offs) recoveries					$	(801)						$	(727)						$	148
Annualized YTD net loan (charge-offs) recoveries to average loans					(0.04)		%					(0.06)		%					0.01		%

(2)The allowance for unfunded lending commitments is recorded within accrued interest payable and other liabilities on the Consolidated Statements of Financial Condition.

Q3 2024 Earnings Conference Call

Certain comments in this presentation contain certain forward looking statements (as defined in the Securities Exchange Act of 1934 and the regulations thereunder). Forward looking statements are not historical facts but instead represent only the beliefs, expectations or opinions of Home Bancorp, Inc. and its management regarding future events, many of which, by their nature, are inherently uncertain. Forward looking statements may be identified by the use of such words as: “believe”, “expect”, “anticipate”, “intend”, “plan”, “estimate”, or words of similar meaning, or future or conditional terms such as “will”, “would”, “should”, “could”, “may”, “likely”, “probably”, or “possibly.” Forward looking statements include, but are not limited to, financial projections and estimates and their underlying assumptions; statements regarding plans, objectives and expectations with respect to future operations, products and services; and statements regarding future performance. Such statements are subject to certain risks, uncertainties and assumption, many of which are difficult to predict and generally are beyond the control of Home Bancorp, Inc. and its management, that could cause actual results to differ materially from those expressed in, or implied or projected by, forward looking statements. The following factors, among others, could cause actual results to differ materially from the anticipated results or other expectations expressed in the forward looking statements: (1) economic and competitive conditions which could affect the volume of loan originations, deposit flows and real estate values; (2) the levels of noninterest income and expense and the amount of loan losses; (3) competitive pressure among depository institutions increasing significantly; (4) changes in the interest rate environment causing reduced interest margins; (5) general economic conditions, either nationally or in the markets in which Home Bancorp, Inc. is or will be doing business, being less favorable than expected; (6) political and social unrest, including acts of war or terrorism; (7) we may not fully realize all the benefits we anticipated in connection with our acquisitions of other institutions or our assumptions made in connection therewith may prove to be inaccurate; (8) cyber incidents or other failures, disruptions or security beaches; or (9) legislation or changes in regulatory requirements adversely affecting the business of Home Bancorp, Inc. Home Bancorp, Inc. undertakes no obligation to update these forward looking statements to reflect events or circumstances that occur after the date on which such statements were made. As used in this report, unless the context otherwise requires, the terms “we,” “our,” “us,” or the “Company” refer to Home Bancorp, Inc. and the term the “Bank” refers to Home Bank, N.A., a national bank and wholly owned subsidiary of the Company. In addition, unless the context otherwise requires, references to the operations of the Company include the operations of the Bank. For a more detailed description of the factors that may affect Home Bancorp’s operating results or the outcomes described in these forward-looking statements, we refer you to our filings with the Securities and Exchange Commission, including our annual report on Form 10-K for the year ended December 31, 2023. Home Bancorp assumes no obligation to update the forward-looking statements made during this presentation. For more information, please visit our website www.home24bank.com. Non-GAAP Information This presentation 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 presentation, information is included which excludes acquired loans, intangible assets, impact of the gain (loss) on the sale of a banking center, the impact of merger-related expenses and one-time tax effects. 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 core operating results. This non-GAAP financial information should not be viewed as a substitute for financial information determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP financial information presented by other companies. | 2 Forward-Looking Statements

Headquarters: Lafayette, LA Ticker: HBCP (NASDAQ) History: • Founded in 1908 • IPO completed October 2008 • Six acquisitions completed since 2010 • 42 locations across Southern Louisiana, Western Mississippi and Houston Highlights: • Total Assets: $3.4 billion at September 30, 2024 • Market Cap: $355 million at October 15, 2024 • Ownership (S&P Global as of October 15, 2024) • Institutional: 44% • Insider/ESOP: 14% | 3 Our Company Total Assets $3.4B Total Loans $2.7B Total Deposits $2.8B

| 4 Our Markets

Quarterly Financial Highlights 2Q 2023 3Q 2023 4Q 2023 1Q 2024 2Q 2024 3Q 2024 Profitability Net income $ 9,781 $ 9,754 $ 9,385 $ 9,199 $ 8,118 $ 9,437 Diluted EPS 1.21 1.22 1.17 1.14 1.02 1.18 ROA 1.21 % 1.18 % 1.13 % 1.11 % 0.97 % 1.10 % ROE 11.3 11.0 10.6 10.0 8.8 9.8 ROATCE(1) 15.5 15.2 14.5 13.4 11.7 12.9 Efficiency ratio 62.1 62.9 62.9 64.3 65.8 65.3 Provision for loan losses 511 351 665 141 1,261 140 Core pre-provision net income(1) 10,084 9,820 9,846 9,152 8,867 9,430 Balance Sheet Assets $ 3,290,153 $ 3,317,729 $ 3,320,122 $ 3,357,604 $ 3,410,881 $ 3,441,990 Loans 2,510,759 2,569,094 2,581,638 2,621,690 2,661,346 2,668,286 Cash and cash equivalents 96,873 84,520 75,831 90,475 113,462 135,877 Allowance for loan losses (30,639) (31,123) (31,537) (31,461) (32,212) (32,278) Total deposits 2,551,718 2,597,484 2,670,624 2,722,578 2,722,915 2,777,487 TCE Ratio 8.1 % 8.0 % 8.7 % 8.8 % 8.7 % 9.2 % Loan/Deposit 98.4 % 98.9 % 96.7 % 96.3 % 97.7 % 96.1 % Per Share Data Share price $ 33.21 $ 31.87 $ 42.01 $ 38.31 $ 40.01 $ 44.58 Book value 42.22 42.30 45.04 45.73 46.51 48.75 Tangible book value(1) 31.59 31.67 34.45 35.17 35.90 38.17 Price / tangible book value per share 105 % 101 % 122 % 109 % 111 % 117 % Dividend paid $ 0.25 $ 0.25 $ 0.25 $ 0.25 $ 0.25 $ 0.25 (1) See appendix for reconciliation of Non-GAAP items. | 5 (dollars in thousands, except per share data)

H om e B an k To ta l A ss et s ($ in m illi on s) 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 Sep- 24 YTD 500 1,000 1,500 2,000 2,500 3,000 3,500 4,000 Statewide Bank - $199 MM Guaranty Savings Bank - $257 MM Britton & Koontz Bank - $301 MM Bank of New Orleans - $346 MM St. Martin Bank & Trust - $597 MM CAGR = 12.6% as of September 30, 2024 | 6 Asset Growth Texan Bank - $416 MM

Profitability 1.27 0.99 1.76 1.07 1.23 1.11 0.97 1.10 1.32 1.12 1.04 1.25 1.27 1.10 1.06 1.10 GAAP Core pre-provision earnings 2019 2020 2021 2022 2023 1Q 2024 2Q 2024 3Q 2024 0.0% 0.2% 0.4% 0.6% 0.8% 1.0% 1.2% 1.4% 1.6% 1.8% 2.0% Return on Average Assets 9.0 7.8 14.4 10.2 11.6 10.0 8.8 9.8 9.3 8.9 8.5 11.8 11.9 9.9 9.6 9.8 GAAP Core pre-provision earnings 2019 2020 2021 2022 2023 1Q 2024 2Q 2024 3Q 2024 0.0% 2.0% 4.0% 6.0% 8.0% 10.0% 12.0% 14.0% 16.0% Return on Average Equity 11.8 10.2 18.0 13.9 16.0 13.4 11.7 12.9 11.8 11.1 10.5 15.6 15.9 12.9 12.4 12.5 ROATCE Core pre-provision earnings 2019 2020 2021 2022 2023 1Q 2024 2Q 2024 3Q 2024 0.0% 2.0% 4.0% 6.0% 8.0% 10.0% 12.0% 14.0% 16.0% 18.0% 20.0% Return on Tangible Common Equity 63.3 59.1 57.1 62.1 61.2 64.3 65.8 65.3 63.5 63.8 64.8 61.2 61.3 64.3 66.2 65.3 GAAP Core pre-provision earnings 2019 2020 2021 2022 2023 1Q 2024 2Q 2024 3Q 2024 50.0% 55.0% 60.0% 65.0% 70.0% Efficiency Ratio (1) See appendix for reconciliation of Non-GAAP items. (1) | 7

Loan Portfolio (as of September 30, 2024) CRE O.O., 25% 1-4 Mortgage, 19% CRE N.O.O., 18% C&I, 16% C&D, 12% Multifamily, 6% Home Equity, 3% Consumer, 1% Composition Market Diversification Acadiana, 28% New Orleans, 28%Houston, 18% Northshore 14% Baton Rouge, 10% MS, 2% • Total loans - $2.7 billion • 3Q 2024 WAR - 6.43% • YTD 2024 annualized growth rate - 4% • Houston market - 16% annualized growth rate YTD | 8

OO CRE Portfolio (as of September 30, 2024) Geographic Exposure Houston, 29% Acadiana, 27%New Orleans 18% Northshore 13% Baton Rouge 10% Mississippi, 2% Southwest LA, 1% | 9 dollars in thousands Balances % of Total Loans % of OO CRE Avg Loan Size Criticized Balances Convenience Store $ 128,252 5 % 19 % $ 1,018 $ — Warehouse Or Industrial 95,548 4 14 540 4,082 Office 91,329 3 14 421 — Office Medical 81,636 3 12 833 — Retail Single Tenant 54,687 2 8 570 — Other Specialty Use 48,108 2 7 633 3,989 Restaurant/Bar 46,335 2 7 692 547 Hospital Or Surgical Center 45,432 2 7 4,130 — Church/School Mtg 44,768 2 7 878 60 Other 37,197 1 5 448 — Total $ 673,292 25 % 100 % $ 708 $ 8,678 Repricing or Maturing Term dollars in thousands 3 mths or less 4 - 12 mths 1 - 3 Years 3 - 5 Years 5+ Years Balances $ 61,125 $ 54,812 $ 183,572 $ 167,752 $ 206,031 WAR 8.0 % 4.7 % 4.8 % 6.2 % 4.4 % Average Rate 5.3% Fixed Rate % 75% Convenience Store Balances 85% in Houston Nonaccrual Balance $4.7 million

NOO CRE Portfolio, including Multifamily (as of September 30, 2024) Geographic Exposure New Orleans 35% Northshore 23% Houston 21% Acadiana 14% Baton Rouge 6% Other, 1% | 10 dollars in thousands Balances % of Total Loans % of NOO CRE Avg Loan Size Criticized Balances Multifamily $ 169,443 6 % 27 % $ 1,210 $ 930 Retail Multi-tenant 133,217 5 21 1,514 454 Multi Use Facility 76,397 3 12 1,273 — Office 73,605 3 11 981 2,139 Hotel/Motel 55,822 2 9 765 6,636 Warehouse or Industrial 52,268 2 8 645 — Other 34,651 1 5 488 — Other Specialty Use 18,150 1 3 648 — Retail Single Tenant 12,901 1 2 430 — Hospital or Surgical Center 12,848 1 2 1,428 — Total $ 639,302 24 % 100 % $ 1,246 $ 10,159 Repricing or Maturing Term dollars in thousands 3 mths or less 4 - 12 mths 1-3 years 3-5 Years 5+ Years Balances $ 117,798 $ 45,345 $ 231,050 $ 148,004 $ 97,105 WAR 7.1 % 5.4 % 4.8 % 6.6 % 4.6 % Average Rate 5.6% Fixed Rate % 76% Nonaccrual Balance $2.4 million

CRE Non-Medical Office Exposure (as of September 30, 2024) | 11 Nonaccrual Balance One NOO loan - $639,000 Total Non-Medical Office Loans $164.9 million or 6.2% of total loans NOO Geographic Exposure Baton Rouge 1.0% Houston 0.8% Norths hore 0.4% Acadiana 0.3% New Orle n s 0.2% dollars in thousands Balances % of Total Loans Avg Loan Size Criticized Baton Rouge $ 27,188 1.0 % $ 1,295 $ — Houston 22,462 0.9 2,042 — Northshore 9,385 0.4 1,043 — Acadiana 7,781 0.3 371 — New Orleans 6,579 0.2 658 2,139 Mississippi 209 — 209 — Total NOO Office $ 73,604 2.8 % $ 1,008 $ 2,139 dollars in thousands Balances % of Total Loans Avg Loan Size Criticized Acadiana $ 30,421 1.1 % $ 461 $ — Northshore 21,562 0.8 539 — Houston 12,720 0.5 509 — New Orleans 12,175 0.5 358 — Southwest LA 11,251 0.4 536 — Mississippi 2,144 0.1 143 — Baton Rouge 1,057 — 176 — Total OO Office $ 91,329 3.4 % $ 441 $ — OO Office Exposure NOO Office Exposure Average Remaining Maturity NOO 5.9 yrs OO 7.6 yrs Average Rate NOO 5.2% OO 5.3%

Commercial & Industrial (as of September 30, 2024) | 12 Nonaccrual Balance $777,000 LOC Utilization Rate 50% Average Rate 7.6% Geographic Exposure Acadiana 38% Baton Rouge 16% New Orleans 11% Northshore 10% Houston 8% Other 7% Southwest LA 7% Natchez 3% dollars in thousands Balances % of C&I % of Loans Criticized Balances Professional Services $ 51,924 13 % 1.9 % $ 45 Finance and Insurance 51,559 12 1.9 1,344 Retail 37,923 9 1.4 432 Manufacturing 36,935 9 1.4 78 Healthcare 35,491 9 1.3 142 Real Estate Leasing 34,225 8 1.3 — Construction 33,780 8 1.3 20 Transportation 30,114 7 1.1 41 Oil & Gas Extraction 27,853 7 1.0 — Agriculture 20,938 5 0.8 — Other 52,011 13 1.9 19 Totals $ 412,753 100 % 15.5 % $ 2,121 Repricing or Maturing Term dollars in thousands 3 mths or less 4 -12 Mths 1 - 3 Years 3 - 5 Years 5+ Years Balances $ 219,650 $ 20,288 $ 37,391 $ 70,035 $ 65,389 WAR 8.6 % 7.4 % 6.4 % 6.7 % 5.7 % Fixed Rate % 44%

C&D Portfolio (as of September 30, 2024) Commercial Construction, 52% Lots, Development and Unimproved Land, 28% 1-4 Family Construction, 20% Composition | 13 Historic Charge-off (Recovery Rate) Charge-off (recovery) 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 Sep-24 YTD (0.25)% —% 0.25% 0.50% 0.75% 1.00% Total Balance $329.8 million Average Balance $478.1K $782K net charge-offs since 2009 0.6% on Nonaccrual or $2.1 million

($ in m illi on s) $1.4 $3.8 $3.7 $(0.7) $2.3 $(0.1) $1.5 $(0.8) $21.1 $29.3 $31.5 $32.3 Dec 2021 Allowance for Texan Bank Acquired PCD Loans Provision for Texan Loan Portfolio Organic Provision Net Charge- offs Dec 2022 Organic Provision Net Charge- offs Dec 2023 Organic Provision Net Charge- offs Sep 2024 $0 $10 $20 $30 $40 2023 (dollars in thousands) 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 Total Loans $ 2,569,094 $ 2,581,638 $ 2,621,690 $ 2,661,346 $ 2,668,286 Total nonperforming loans 11,949 8,814 20,349 16,818 18,089 Total special mention loans 9,046 7,928 8,578 6,754 2,415 Total substandard loans 31,046 28,168 35,128 32,660 34,677 Total criticized loans $ 40,092 $ 36,096 $ 43,706 $ 39,414 $ 37,092 Nonperforming loans / Total loans 0.47 % 0.34 % 0.78 % 0.63 % 0.68 % Criticized loans / Total loans 1.56 % 1.40 % 1.67 % 1.48 % 1.39 % ALL / Total Loans 1.21 % 1.22 % 1.20 % 1.21 % 1.21 % 20242021 Changes in ALL | 14 2022

1.16 1.21 1.30 0.77 0.49 0.34 0.31 0.53 1.01 0.72 0.75 0.40 0.28 0.14 0.20 0.40 NPAs / Total Assets Originated NPAs / Total Assets 2017 2018 2019 2020 2021 2022 2023 Sep-24 YTD 0.0% 0.2% 0.4% 0.6% 0.8% 1.0% 1.2% 1.4% 1.6% NPAs / Assets title 0.00 0.15 0.09 0.12 0.09 0.03 0.00 0.04 2017 2018 2019 2020 2021 2022 2023 Sep-24 YTD 0.00% 0.05% 0.10% 0.15% 0.20% Net Charge-offs / YTD Average Loans 57 63 63 165 146 267 304 176 ALL / NPAs 2017 2018 2019 2020 2021 2022 2023 Sep-24 YTD 0% 50% 100% 150% 200% 250% 300% 350% ALL / NPAs 1.74 1.94 1.73 1.03 0.83 0.41 0.52 0.97% 0.82 0.87 1.32 0.74 0.57 0.32 0.36 0.94% Past Due Loans / Loans Originated Past Due / Originated Loans 2017 2018 2019 2020 2021 2022 2023 Sep-24 YTD 0.0% 0.5% 1.0% 1.5% 2.0% 2.5% Loans Past Due Credit Quality Trends | 15

Investment Portfolio | 16 (dollars in millions) Book Value Gain/(loss) Eff. Duration MBS $199 $(18) 4.3 Agency CMBS 157 (7) 2.7 Muni 55 (6) 5.9 CMO 17 (1) 3 Agency 18 (1) 3 Corp 7 (1) 1.2 Total $454 $(32) 3.8 10 Year Investment Cash Flow 2% 15% 32% 49% 62% 70% 77% 82% 86% 90% 93% Expected Principal Cash Flows (dollars in thousands) Percentage of Cash Flows - Cumulative FYE 2024 FYE 2025 FYE 2026 FYE 2027 FYE 2028 FYE 2029 FYE 2030 FYE 2031 FYE 2032 FYE 2033 FYE 2034 $— $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 $80,000 $90,000 —% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% MBS 43.9% Agency CMBS 34.7% Muni 12.0% Agency 4.0% CMO 3.9% Corp 1.5% 12% of total assets 2.4% Q3 yield $32.2 million unrealized loss ~ 7.1% of book value 99.7% AFS $14.3 million MV increase in Q3 $6.1 million decline in book value QoQ

Acadiana 54% New Orleans 14% Houston 11% Northshore 10% Mississippi, 7% Baton Rouge, 4% $ in m illi on s 25% 24% 28% 30% 34% 28% 27% 27% 28% 29% 31% 25% 24% 23% 20% 22% 17% 13% 13% 24% 26% 17% 15% 15% 15% 16% 15% 16% 11% 11% 11% 11% 12% 9% 8% Demand deposits NOW Certificates of deposit Money Market Savings Balance 2018 2019 2020 2021 2022 2023 Sep 2024 $1,600 $2,400 $3,200 $4,000 Change (dollars in thousands) 9/30/2023 6/30/2024 9/30/2024 QoQ YoY Demand Deposits $ 785,448 $ 746,504 $ 740,854 $ (5,650) $ (44,594) Savings 246,402 218,307 215,815 (2,492) (30,587) Money Market 392,174 427,406 452,456 25,050 60,282 NOW 617,003 615,809 644,061 28,252 27,058 CDs 556,457 714,889 724,301 9,412 167,844 Total Deposits $ 2,597,484 $ 2,722,915 $ 2,777,487 $ 54,572 $ 180,003 Deposits (as of September 30, 2024) | 17 $33,454 Average deposit size 27% Non-interest bearing deposit composition

Deposits (as of September 30, 2024) | 18 Retail Business Public Broker Total FDIC Insured 45% 18% —% —% 63% Uninsured (1) 7 16 — — 23 Reciprocal — 4 — — 4 Public Funds — — 7 — 7 Brokered Deposits — — — 3 3 Total 52% 38% 7% 3% 100% Cost of Deposits 0.15 0.17 0.23 0.41 0.62 0.93 1.20 1.42 1.52 1.63 1.75 0.46 0.42 0.42 0.57 1.38 2.49 3.40 4.01 4.41 4.58 4.59 0.20 0.22 0.27 0.44 0.77 1.30 1.84 2.24 2.52 2.69 2.78 Non-maturity deposits Certificates of deposit Total interest-bearing deposits 1Q 2022 2Q 2022 3Q 2022 4Q 2022 1Q 2023 2Q 2023 3Q 2023 4Q 2023 1Q 2024 2Q 2024 3Q 2024 — 0.40 0.80 1.20 1.60 2.00 2.40 2.80 3.20 3.60 4.00 4.40 4.80 5.20 (1) Excluding internal accounts, over FDIC limit and not collateralized (2) Total primary funding sources covering uninsured deposits. Funding Availability (in thousands) Q3 2024 FHLB availability $ 1,147,306 Unencumbered investments (book) 59,838 FRB discount window 500 Total primary funding sources $ 1,207,644 Fed fund lines 55,000 Total primary and secondary liquidity $ 1,262,644 Uninsured Deposits(1) Approximately $642 million or 23% of total deposits Coverage of Uninsured Deposits(2) 188%

4.11 4.38 4.18 3.94 3.75 3.69 3.64 3.66 3.71 3.66 3.71 3.76 NIM 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 Jul- 24 Aug- 24 Sep- 24 3.40% 3.60% 3.80% 4.00% 4.20% 4.40% 4.60% NIM (TE) 5.17 5.43 5.67 5.82 5.95 6.08 6.18 6.28 6.43 Loan Yield 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 5.00% 6.00% 7.00% Yield on Loans 0.46 0.70 1.33 1.91 2.37 2.62 2.79 2.93 3.02 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 0.0% 1.0% 2.0% 3.0% 4.0% Cost of Interest-Bearing Liabilities Yields | 19 $135 million borrowing under Federal Reserve BTFP at a cost of 4.76% and no Short-term FHLB advances at September 30, 2024 NIM 3.71% for the quarter ended September 2024 2.03% Cost of total deposits for the quarter ended September 2024 MonthQuarter

Rate Shock 1 Year % Change in NII 200 1.7% 100 1.0% (100) (1.5)% (200) (3.4)% % of assets 2019 2023 Q3 2024 Q3 Cash 2% 3% 4% Investments 12% 13% 12% Loans, excluding PPP 78% 77% 77% Other Assets 8% 7% 7% NMD - noninterest-bearing 20% 23% 22% NMD - interest-bearing 45% 38% 38% CDs 18% 17% 21% Total Deposits 83% 78% 81% Borrowings 2% 9% 5% Subordinated Debt —% 2% 2% Other 1% 1% 1% Equity 14% 10% 11% Loan portfolio effective duration ~ 2.2 (based on management estimates) Cost of 2Q2016 - 3Q2019 3Q2019 - 1Q2022 1Q2022 - 3Q2024 Interest-bearing deposits 36% 40% 49% Total deposits 27% 31% 36% Interest-bearing liabilities 33% 40% 53% Funding earning assets 23% 29% 37% Interest Rate Risk Forecasted Change in NII Liability Betas Historical Funding Betas Balance Sheet Composition | 20 Fed Funds Effective Cost of Deposits Cost of Funding Earning Assets Q1- 16 Q2- 16 Q3- 16 Q4- 16 Q1- 17 Q2- 17 Q3- 17 Q4- 17 Q1- 18 Q2- 18 Q3- 18 Q4- 18 Q1- 19 Q2- 19 Q3- 19 Q4- 19 Q1- 20 Q2- 20 Q3- 20 Q4- 20 Q1- 21 Q2- 21 Q3- 21 Q4- 21 Q1- 22 Q2- 22 Q3- 22 Q4- 22 Q1- 23 Q2- 23 Q3- 23 Q4- 23 Q1- 24 Q2- 24 Q3- 24 —% 1.00% 2.00% 3.00% 4.00% 5.00% Investment Portfolio effective duration = 3.7 38% of loan portfolio is variable

0.62 0.62 0.62 0.57 0.54 0.44 0.46 0.44 2017 2018 2019 2020 2021 2022 2023 Sep-24 YTD 0.40% 0.45% 0.50% 0.55% 0.60% 0.65% Noninterest Income(1) / Assets 2.79 2.83 2.87 2.53 2.41 2.51 2.52 2.57 2017 2018 2019 2020 2021 2022 2023 Sep- 24 YTD 2.00% 2.50% 3.00% 3.50% Noninterest Expense(1) / Assets (1) Excludes non-core items. See appendix for reconciliation of non-GAAP items. (dollars in thousands) 3Q 2023 4Q 2023 1Q 2024 2Q 2024 3Q 2024 Service fees and charges $ 1,277 $ 1,235 $ 1,254 $ 1,239 $ 1,291 Bank card fees 1,903 1,646 1,575 1,751 1,613 Gain on sale of loans 687 46 87 126 195 Loss on sale of assets, net — (7) 6 (2) (10) Other 532 558 627 641 603 Total noninterest income $ 4,399 $ 3,478 $ 3,549 $ 3,755 $ 3,692 (dollars in thousands) 3Q 2023 4Q 2023 1Q 2024 2Q 2024 3Q 2024 Compensation $ 12,492 $ 11,401 $ 12,170 $ 12,788 $ 13,058 Data processing 2,496 2,423 2,514 2,555 2,646 Occupancy 2,410 2,467 2,454 2,603 2,732 Provision for unfunded — 140 — (134) — Other 3,940 4,173 3,730 3,996 3,822 Total noninterest expense $ 21,338 $ 20,604 $ 20,868 $ 21,808 $ 22,258 Noninterest expense excl. provision for unfunded $ 21,338 $ 20,464 $ 20,868 $ 21,942 $ 22,258 Noninterest Income & Expense | 21

$0.84 $0.88 $0.91 $0.93 $1.00 $1.01 Q1 Q2 Q3 Q4 2019 2020 2021 2022 2023 2024 $0.00 $0.50 $1.00 $1.50 Dividends Per Share 27.22 29.60 34.00 29.57 29.20 34.45 38.1727.15 29.00 33.92 31.16 33.95 38.30 41.10 Tangible book value Tangible book value excluding AOCI 2019 2020 2021 March 2022 2022 2023 September 2024 $20 $25 $30 $35 $40 Tangible Book Value Share Repurchase Activity Year # Shares Average Price Cash Utilized 2019 419,498 36.82 15,444,895 2020 530,504 26.41 14,011,605 2021 246,012 36.18 8,900,409 2022 288,350 39.30 11,333,399 2023 164,272 32.01 5,257,822 2024 (as of 10/15/2024) 122,634 37.61 4,611,992 Total 1,771,270 $ 33.63 $ 59,560,122 Capital | 22 ~ 313,812 shares remaining in current plans as of October 15, 2024 New Share Repurchase Plan approved 405,000 14% Shares repurchased since 2019 9.1% CAGR TBV / share, excluding AOCI since 2019 Cash acquisition - Texan Bank Cash dividend of $0.26 per share payable on November 08, 2024 *payable in November 2024 *

9.7 9.8 10.4 11.0 11.2 11.2 11.3 13.9 14.7 12.4 13.0 13.2 13.2 13.8 15.2 15.9 13.6 14.2 14.4 14.4 15.0 Tier 1 leverage capital Common equity tier 1 Total risk-based capital 2020 2021 2022 2023 1Q 2024 2Q 2024 3Q 2024 0% 5% 10% 15% 20% Capital Ratios (Bank only) Capital | 23 Home Bank, N.A. Home Bancorp, Inc. As Reported Including AOCI Losses (1) As Reported Including AOCI Losses (1) Common Equity Tier 1 capital 13.8% 12.9% 12.2% 11.3% Tier 1 risk based capital 13.8% 12.9% 12.2% 11.3% Total risk based capital 15.0% 14.2% 15.4% 14.5% Tier 1 leverage capital 11.3% 10.6% 10.0% 9.3% (1) Assumes AOCI adjustments related to market valuations on securities and interest rate derivatives are included for regulatory capital calculations. Regulatory Capital and Adjusted Capital as of September 30, 2024

Investment Perspective | 24

| 25

2Q 2023 3Q 2023 4Q 2023 1Q 2024 2Q 2024 3Q 2024 Total shareholders' equity $ 346,117 $ 345,332 $ 367,444 $ 372,285 $ 375,830 $ 393,453 Less: intangible assets 87,138 86,749 86,372 86,019 85,690 85,361 Non-GAAP tangible shareholders' equity $ 258,979 $ 258,583 $ 281,072 $ 286,266 $ 290,140 $ 308,092 Reported net income $ 9,781 $ 9,754 $ 9,385 $ 9,199 $ 8,118 $ 9,437 Add: amortization CDI, net tax 307 307 298 279 261 259 Non-GAAP tangible net income $ 10,088 $ 10,061 $ 9,683 $ 9,478 $ 8,379 $ 9,696 Return on average equity 11.3 % 11.0 % 10.6 % 10.0 % 8.8 % 9.8 % Add: intangible assets 4.2 4.2 3.9 3.4 2.9 3.1 Non-GAAP return on tangible common equity 15.5 % 15.2 % 14.5 % 13.4 % 11.7 % 12.9 % Book value per share $ 42.22 $ 42.30 $ 45.04 $ 45.73 $ 46.51 $ 48.75 Less: intangible assets 10.63 10.63 10.59 10.56 10.61 10.58 Non-GAAP tangible book value per share $ 31.59 $ 31.67 $ 34.45 $ 35.17 $ 35.90 $ 38.17 Reported net income $ 9,781 $ 9,754 $ 9,385 $ 9,199 $ 8,118 $ 9,437 Less: PPP loan income 24 23 22 22 20 35 Less: gain (loss) on sale of assets (3) — (7) 6 (2) (10) Less: loan discount accretion 647 634 583 525 490 452 Add: provision for loan losses 511 351 665 141 1,261 140 Add: provision (reversal) for credit losses on unfunded commitments 151 — 140 — (134) — Add: CDI amortization 389 389 377 353 330 328 Total non-core items, net of taxes 303 66 461 (47) 750 (7) Core pre-provision net income (1) $ 10,084 $ 9,820 $ 9,846 $ 9,152 $ 8,868 $ 9,430 Appendix (non-GAAP reconciliation) | 26 (dollars in thousands, except per share data)

2019 2020 2021 2022 2023 Sep-24 YTD Total shareholders' equity $ 316,329 $ 321,842 $ 351,903 $ 329,954 $ 367,444 $ 393,453 Less: intangible assets 64,472 63,112 61,949 87,973 86,372 85,361 Non-GAAP tangible shareholders' equity $ 251,857 $ 258,730 $ 289,954 $ 241,981 $ 281,072 $ 308,092 Reported net income $ 27,932 $ 24,765 $ 48,621 $ 34,072 $ 40,240 $ 26,754 Add: amortization CDI, net tax 1,251 1,074 919 1,266 1,264 799 Non-GAAP tangible income $ 29,183 $ 25,839 $ 49,540 $ 35,338 $ 41,504 $ 27,553 Return on average equity 9.0 % 7.8 % 14.4 % 10.2 % 11.6 % 9.5 % Add: intangible assets 2.8 2.4 3.6 3.7 4.4 3.2 Non-GAAP return on tangible common equity 11.8 % 10.2 % 18.0 % 13.9 % 16.0 % 12.7 % Originated loans $ 1,251,201 $ 1,625,139 $ 1,593,769 $ 1,961,425 $ 2,169,500 $ 2,292,864 Acquired loans 463,160 354,815 246,324 469,325 412,138 375,422 Total loans $ 1,714,361 $ 1,979,954 $ 1,840,093 $ 2,430,750 $ 2,581,638 $ 2,668,286 Originated NPAs $ 16,421 $ 10,353 $ 8,348 $ 4,489 $ 6,518 $ 13,775 Acquired NPAs 12,121 9,628 6,116 6,487 3,871 4,581 Total NPAs $ 28,542 $ 19,981 $ 14,464 $ 10,976 $ 10,389 $ 18,356 Originated past due loans $ 16,541 $ 12,070 $ 9,071 $ 6,215 $ 7,864 $ 21,552 Acquired past due loans 13,098 8,335 6,146 3,683 5,569 4,338 Total past due loans $ 29,639 $ 20,405 $ 15,217 $ 9,898 $ 13,433 $ 25,890 Average assets $ 2,198,483 $ 2,491,612 $ 2,765,878 $ 3,178,862 $ 3,262,820 $ 3,368,857 Less: average PPP loans — 169,665 169,149 15,691 5,997 5,004 Average assets excluding PPP loans $ 2,198,483 $ 2,321,947 $ 2,596,729 $ 3,163,171 $ 3,256,823 $ 3,363,853 Appendix (non-GAAP reconciliation) | 27 (dollars in thousands)

2019 2020 2021 2022 2023 Sep-24 YTD Reported noninterest income $ 14,415 $ 14,305 $ 16,271 $ 13,885 $ 14,636 $ 10,996 Less: BOLI benefit 1,194 — 1,717 — — — Less: gain (loss) on sale of securities — — — — (249) — Less: gain (loss) on sale of assets (347) — (504) 26 (27) (6) Non-GAAP noninterest income $ 13,568 $ 14,305 $ 15,058 $ 13,859 $ 14,912 $ 11,002 Reported noninterest expense $ 63,605 $ 62,981 $ 66,982 $ 81,909 $ 82,841 $ 64,934 Less: lease termination 291 — — — — — Less: severance pay 287 — — — — — Less: one-time foreclosed asset recovery — — — — 739 — Less: merger-related expenses — — 299 1,971 — — Non-GAAP noninterest expense $ 63,027 $ 62,981 $ 66,683 $ 79,938 $ 82,102 $ 64,934 Reported net income $ 27,932 $ 24,765 $ 48,621 $ 34,072 $ 40,240 $ 26,754 Less: PPP loan income — 5,895 13,208 1,359 95 77 Less: Write of FDIC loss share receivable (680) — — — — — Less: BOLI benefit 1,194 — 1,717 — — — Less: gain (loss) on sale of assets (347) — (504) 26 (27) (6) Less: gain (loss) on sale of securities — — — — (249) — Less: loan discount accretion 3,503 4,097 2,361 2,933 2,532 1,467 Add: provision (reversal) for loan losses 3,014 12,728 (10,161) 7,489 2,341 1,542 Add: provision for credit losses on unfunded commitments — — 390 278 501 (134) Add: CDI amortization 1,583 1,360 1,163 1,602 1,601 1,011 Add: lease termination 291 — — — — — Add: severance pay 287 — — — — — Add: one-time foreclosed asset recovery — — — — (739) — Add: merger-related expenses — — 299 1,971 — — Non-core items, net of taxes 1,189 3,236 (19,822) 5,547 1,069 696 Core pre-provision net income (1) $ 29,121 $ 28,001 $ 28,799 $ 39,619 $ 41,309 $ 27,450 (1) Core pre-provision net income - removes the impact of one time items, PPP income, provision for credit losses, loan discount accretion and CDI. Appendix (non-GAAP reconciliation) | 28 (dollars in thousands)

2018 2019 2020 2021 1Q2022 2022 2023 1Q2024 2Q2024 Sep-24 YTD Total shareholders' equity $ 304,040 $ 316,329 $ 321,842 $ 351,903 $ 337,504 $ 329,954 $ 367,444 $ 372,285 $ 375,830 $ 393,453 Less: intangible assets 66,055 64,472 63,112 61,949 87,569 87,973 86,372 86,019 85,690 85,361 Non-GAAP tangible shareholders' equity $ 237,985 $ 251,857 $ 258,730 $ 289,954 $ 249,935 $ 241,981 $ 281,072 $ 286,266 $ 290,140 $ 308,092 Less: AOCI (2,206) 692 5,274 744 (13,465) (39,307) (31,382) (33,501) (33,697) (23,635) Non-GAAP tangible shareholders' equity AOCI adjusted $ 240,191 $ 251,165 $ 253,456 $ 289,210 $ 263,400 $ 281,288 $ 312,454 $ 319,767 $ 323,837 $ 331,727 Shares Outstanding 9,459,050 9,252,418 8,740,104 8,526,907 8,453,014 8,286,084 8,158,281 8,140,380 8,081,344 8,070,539 Book value per share $ 32.14 $ 34.19 $ 36.82 $ 41.27 $ 39.93 $ 39.82 $ 45.04 $ 45.73 $ 46.51 $ 48.75 Less: intangible assets 6.98 6.97 7.22 7.27 10.36 10.62 10.59 10.56 10.61 10.58 Non-GAAP tangible book value per share $ 25.16 $ 27.22 $ 29.60 $ 34.00 $ 29.57 $ 29.20 $ 34.45 $ 35.17 $ 35.90 $ 38.17 Less: AOCI (0.23) 0.07 0.60 0.08 (1.59) (4.75) (3.85) (4.11) (4.17) (2.93) Non-GAAP tangible book value per share AOCI adjusted $ 25.39 $ 27.15 $ 29.00 $ 33.92 $ 31.16 $ 33.95 $ 38.30 $ 39.28 $ 40.07 $ 41.10 Appendix (non-GAAP reconciliation) | 29 (dollars in thousands except for per share data) )

Cover	Oct. 18, 2023
Cover [Abstract]
Document Type	8-K
Document Period End Date	Oct. 17, 2024
Entity Registrant Name	Home Bancorp, Inc.
Entity Incorporation, State or Country Code	LA
Entity File Number	001-34190
Entity Tax Identification Number	71-1051785
Entity Address, Address Line One	503 Kaliste Saloom Road
Entity Address, City or Town	Lafayette
Entity Address, State or Province	LA
Entity Address, Postal Zip Code	70508
City Area Code	337
Local Phone Number	237-1960
Written Communications	false
Soliciting Material	false
Pre-commencement Tender Offer	false
Pre-commencement Issuer Tender Offer	false
Title of 12(b) Security	Common Stock
Trading Symbol	HBCP
Security Exchange Name	NASDAQ
Entity Emerging Growth Company	false
Entity Central Index Key	0001436425
Amendment Flag	false