For further information contact:

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

(337) 237-1960

Release Date:	October 20, 2025
	For Immediate Release

HOME BANCORP, INC. ANNOUNCES 2025 THIRD QUARTER RESULTS

AND INCREASES QUARTERLY DIVIDEND BY 7%

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 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.

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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.

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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		Special Mention		Substandard		Total
One- to four-family first mortgage		$	497,404	$	—	$	6,741	$	504,145
Home equity loans and lines		80,145		—		1,033		81,178
Commercial real estate		1,185,738		1,063		31,367		1,218,168
Construction and land		317,593		749		6,232		324,574
Multi-family residential		182,572		—		1,237		183,809
Commercial and industrial		418,831		—		3,166		421,997
Consumer		30,632		—		35		30,667
Total		$	2,712,915	$	1,812	$	49,811	$	2,764,538

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 yearsat 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.

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The following table summarizes the composition of the Company's investment securities portfolio at September 30, 2025.

(dollars in thousands)	Amortized Cost		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 millionof 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.

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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

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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

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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.

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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

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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

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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

10

(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.

11

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)	Average Balance		Interest		Average Yield/ Rate		Average Balance		Interest		Average Yield/ 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%

12

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%.

13

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

14

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
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.

15