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 18, 2023


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 18, 2023, the Registrant announced its results of operations for the quarter ended September 30, 2023. 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 18, 2023, the Registrant announced that its Board of Directors approved a new share repurchase program (the "2023 Repurchase Plan"). Under the 2023 Repurchase Plan, the Company may purchase up to 405,000 shares, or approximately 5%, of the Company's outstanding common stock. The shares may be purchased in the open market or in privately-negotiated transactions from time to time depending upon market conditions and other factors.

For additional information, reference is made to the Press Release attached hereto as Exhibit 99.1 and incorporated by reference herein. The Press Release attached hereto as an exhibit is being furnished to the SEC and shall not be deemed to be “filed” for any purpose except as otherwise provided herein.

On October 18, 2023, 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 18, 2023, the Registrant announced that its Board of Directors declared a quarterly cash dividend on shares of its common stock of $0.25 per share. The cash dividend will be paid on November 9, 2023 to shareholders of record at the close of business on October 30, 2023.


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 1 8 , 2023
99.2						Home Bancorp, Inc. Investor Presentation - Q 3 2023 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 18, 2023	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 18, 2023
			For Immediate Release

HOME BANCORP, INC. ANNOUNCES 2023 THIRD QUARTER RESULTS,

NEW SHARE REPURCHASE PLAN AND DECLARES QUARTERLY DIVIDEND

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 2023. For the quarter, the Company reported net income of $9.8 million, or $1.22 per diluted common share (“diluted EPS”), down $27,000 from $9.8 million, or $1.21 diluted EPS, for the second quarter of 2023.

"Home Bank has delivered exceptional results during this cycle of rapidly increasing interest rates and the third quarter was a continuation of that success. We produced above average profitability metrics, grew both loans and deposits, and maintained strong credit quality.” said John W. Bordelon, President and Chief Executive Officer of the Company and the Bank. “Strong customer relationships, built over years, have allowed us to retain deposits while still maintaining discipline on interest expense. We are confident that our long history and culture of relationship banking have positioned Home Bank to continue to thrive both in the near and long term.”

Third Quarter 2023 Highlights

•Loans totaled $2.6 billion at September 30, 2023, up $58.3 million, or 2.3% (9% on an annualized basis) from June 30, 2023.

•Deposits totaled $2.6 billion at September 30, 2023, up $45.8 million, or 2%, from June 30, 2023.

•Net interest income totaled $29.5 million, down $797,000, or 3% from the prior quarter.

•The net interest margin ("NIM") was 3.75% in the third quarter of 2023 compared to 3.94% in the second quarter of 2023.

•The Company recorded a $351,000 provision to the allowance for loan losses primarily due to loan growth.

•Nonperforming assets totaled $12.3 million, or 0.37% of total assets compared to $12.4 million, or 0.38% of total assets, at June 30, 2023.

Loans

Loans totaled $2.6 billion at September 30, 2023, up $58.3 million, or 2%, from June 30, 2023. The following table summarizes the changes in the Company’s loan portfolio, net of unearned income, from June 30, 2023 through September 30, 2023.


(dollars in thousands)	9/30/2023		6/30/2023		Increase (Decrease)
Real estate loans:
One- to four-family first mortgage	$	432,092	$	419,091	$	13,001	3	%
Home equity loans and lines	69,350		66,932		2,418		4
Commercial real estate	1,178,111		1,176,976		1,135		—
Construction and land	342,711		327,488		15,223		5
Multi-family residential	106,411		103,951		2,460		2
Total real estate loans	2,128,675		2,094,438		34,237		2
Other loans:
Commercial and industrial	407,189		382,292		24,897		7
Consumer	33,230		34,029		(799)		(2)
Total other loans	440,419		416,321		24,098		6
Total loans	$	2,569,094	$	2,510,759	$	58,335	2	%

The average loan yield was 5.95% for the third quarter of 2023, up 13 basis points, from the second quarter of 2023. Loan growth during the third quarter of 2023 was across all loan types with the exception of consumer loans. Loans grew in the third quarter of 2023 across most of our markets with approximately 35% of the growth attributable to the Houston market.

Credit Quality and Allowance for Credit Losses

Nonperforming assets (“NPAs”) totaled $12.3 million, or 0.37% of total assets, at September 30, 2023, down $86,000, or 1%, from $12.4 million, or 0.38% of total assets, at June 30, 2023. During the third quarter of 2023, the Company recorded net loan recoveries of $132,000, compared to net loan recoveries of $10,000 during the second quarter of 2023.

The Company provisioned $351,000 to the allowance for loan losses in the third quarter of 2023. At September 30, 2023, the allowance for loan losses totaled $31.1 million, or 1.21% of total loans, compared to $30.6 million, or 1.22% of total loans, at June 30, 2023. 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, 2023 and June 30, 2023.


	September 30, 2023
(dollars in thousands)		Pass		Special Mention		Substandard		Total
One- to four-family first mortgage		$	429,011	$	870	$	2,211	$	432,092
Home equity loans and lines		69,225		—		125		69,350
Commercial real estate		1,162,095		330		15,686		1,178,111
Construction and land		330,512		5,388		6,811		342,711
Multi-family residential		102,907		—		3,504		106,411
Commercial and industrial		402,252		2,458		2,479		407,189
Consumer		33,000		—		230		33,230
Total		$	2,529,002	$	9,046	$	31,046	$	2,569,094

	June 30, 2023
(dollars in thousands)		Pass		Special Mention		Substandard		Total
One- to four-family first mortgage		$	415,162	$	872	$	3,057	$	419,091
Home equity loans and lines		66,809		—		123		66,932
Commercial real estate		1,160,405		335		16,236		1,176,976
Construction and land		319,738		5,410		2,340		327,488
Multi-family residential		100,521		—		3,430		103,951
Commercial and industrial		377,529		2,894		1,869		382,292
Consumer		33,832		—		197		34,029
Total		$	2,473,996	$	9,511	$	27,252	$	2,510,759

Investment Securities

The Company's investment securities portfolio totaled $428.1 million at September 30, 2023, a decrease of $22.4 million, or 5.0%, from June 30, 2023. At September 30, 2023, the Company had a net unrealized loss position on its investment securities of $63.4 million, compared to a net unrealized loss of $53.2 million at June 30, 2023. The Company’s investment securities portfolio had an effective duration of 4.5 years at September 30, 2023 and June 30, 2023.

The following table summarizes the composition of the Company's investment securities portfolio at September 30, 2023.


(dollars in thousands)	Amortized Cost		Fair Value
Available for sale:
U.S. agency mortgage-backed	$	324,459	$	280,171
Collateralized mortgage obligations	84,009		78,279
Municipal bonds	55,705		45,037
U.S. government agency	19,278		17,444
Corporate bonds	6,982		6,088
Total available for sale	$	490,433	$	427,019
Held to maturity:
Municipal bonds	$	1,065	$	1,052
Total held to maturity	$	1,065	$	1,052

Approximately 30% of the investment securities portfolio was pledged as of September 30, 2023. As of September 30, 2023 and June 30, 2023, the Company had $127.9 million and $134.9 million, respectively, of securities pledged to secure public deposits.

Deposits

Total deposits were $2.6 billion at September 30, 2023, up $45.8 million, or 2%, from June 30, 2023. Non-maturity deposits decreased $46.2 million, or 2% during the third quarter of 2023 to $2.0 billion. The following table summarizes the changes in the Company’s deposits from June 30, 2023 to September 30, 2023.


(dollars in thousands)	9/30/2023		6/30/2023		Increase (Decrease)
Demand deposits	$	785,448	$	816,555	$	(31,107)	(4)	%
Savings	246,402		261,780		(15,378)		(6)
Money market	392,174		363,801		28,373		8
NOW	617,003		645,087		(28,084)		(4)
Certificates of deposit	556,457		464,495		91,962		20
Total deposits	$	2,597,484	$	2,551,718	$	45,766	2	%

The average rate on interest-bearing deposits increased 54 basis points from 1.30% for the second quarter of 2023 to 1.84% for the third quarter of 2023. At September 30, 2023, certificates of deposit maturing within the next 12 months totaled $460.6 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, 2023	June 30, 2023
Individuals	52%	51%
Small businesses	39	39
Public funds	7	8
Broker	2	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 $755.5 million at September 30, 2023 and $735.4 million at June 30, 2023. Public funds in excess of the FDIC insurance limits are fully collateralized.

Net Interest Income

The net interest margin ("NIM") decreased 19 basis points from 3.94% for the second quarter of 2023 to 3.75% for the third quarter of 2023 primarily due to an increase in the average cost of interest-bearing deposits, which was partially offset with an increase in the average yield on interest-earning assets. The average cost of interest-bearing deposits increased by 54 basis points in the third quarter of 2023 and our cost of deposits increased by $2.6 million, or 47%, in the third quarter of 2023 compared to the second quarter of 2023. 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.

The average loan yield was 5.95% for the third quarter of 2023, up 13 basis points from the second quarter of 2023, primarily reflecting increased rates on variable loans coupled with new loan originations at higher market rates during the period.

Average other interest-earning assets were $54.0 million for the third quarter of 2023, up $1.8 million, or 3%, from the second quarter of 2023 primarily due to a reallocation of certain other interest-earning assets.

Loan accretion income from acquired loans totaled $634,000 for the third quarter of 2023, down $13,000, or 2%, from the second quarter of 2023.

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
	9/30/2023						6/30/2023
(dollars in thousands)	Average Balance		Interest		Average Yield/ Rate		Average Balance		Interest		Average Yield/ Rate
Interest-earning assets:
Loans receivable	$	2,538,218	$	38,490	5.95	%	$	2,491,029	$	36,530	5.82	%
Investment securities (TE)	495,219		2,939		2.39		507,050		2,986		2.37
Other interest-earning assets	54,015		649		4.77		52,256		555		4.26
Total interest-earning assets	$	3,087,452	$	42,078	5.36	%	$	3,050,335	$	40,071	5.22	%
Interest-bearing liabilities:
Deposits:
Savings, checking, and money market	$	1,256,885	$	3,791	1.20	%	$	1,300,245	$	3,023	0.93	%
Certificates of deposit	511,754		4,390		3.40		407,038		2,524		2.49
Total interest-bearing deposits	1,768,639		8,181		1.84		1,707,283		5,547		1.30
Other borrowings	5,539		53		3.80		5,651		55		3.88
Subordinated debt	54,159		845		6.24		54,098		850		6.29
FHLB advances	273,087		3,490		5.01		272,783		3,313		4.81
Total interest-bearing liabilities	$	2,101,424	$	12,569	2.37	%	$	2,039,815	$	9,765	1.91	%
Noninterest-bearing deposits	$	799,534					$	831,517
Net interest spread (TE)					2.99	%					3.31	%
Net interest margin (TE)					3.75	%					3.94	%

Noninterest Income

Noninterest income for the third quarter of 2023 totaled $4.4 million, up $951,000, or 28%, from the second quarter of 2023. The increase was related primarily to gains on sale of loans (up $661,000 of which $640,000 was related to the sale of SBA loans during the third quarter of 2023) and bank card fees (up $188,000) for the third quarter of 2023 compared to the second quarter of 2023.

Noninterest Expense

Noninterest expense for the third quarter of 2023 totaled $21.3 million, up $379,000, or 2%, from the second quarter of 2023. The increase was primarily related to data processing and communication expenses (up $364,000) and marketing and advertising expenses (up $196,000), which were partially offset by the absence of provision for credit losses on unfunded commitments (down $151,000) and a reduction in compensation and benefits expense (down $109,00) during the third quarter of 2023.

Capital and Liquidity

At September 30, 2023, shareholders’ equity totaled $345.3 million, down $785,000, or less than 1%, compared to $346.1 million at June 30, 2023. The decrease was primarily due to the increase in accumulated other comprehensive loss on available for sale investment securities, shareholder dividends and repurchases of shares of the Company's common stock, which were partially offset by the Company’s earnings of $9.8 million during the third quarter of 2023. The market value of the Company's available for sale securities at September 30, 2023 decreased $10.2 million, or 19%, during the third quarter of 2023. Preliminary Tier 1 leverage capital and total risk-based capital ratios were 10.71% and 13.73%, respectively, at September 30, 2023, compared to 10.78% and 14.07%, respectively, at June 30, 2023.

The following table summarizes the Company's primary and secondary sources of liquidity which were available at September 30, 2023.


(dollars in thousands)	September 30, 2023
Cash and cash equivalents	$	84,520
Unencumbered investment securities, amortized cost	79,015
FHLB advance availability	914,064
Amounts available from unsecured lines of credit	55,000
Federal Reserve bank term funding program	106,140
Federal Reserve discount window availability	500
Total primary and secondary sources of available liquidity	$	1,239,239

Dividend and Share Repurchases

The Company announced that its Board of Directors declared a quarterly cash dividend on shares of its common stock of $0.25 per share payable on November 9, 2023, to shareholders of record as of October 30, 2023.

The Company also announced that the Board of Directors approved a new share repurchase plan (the “2023 Repurchase Plan”). Under the 2023 Repurchase Plan, the Company may purchase up to 405,000 shares, or approximately 5% of the Company’s outstanding common stock. Share repurchases under the 2023 Repurchase Plan may commence upon the completion of the Company’s 2021 Repurchase Plan. As of September 30, 2023, there were 47,980 shares remaining that may be repurchased under the 2021 Repurchase Plan. The repurchase plans do not include specific price targets and may be executed through the open market or privately-negotiated transactions depending upon market conditions and other factors. The repurchase plans have no time limit and may be suspended or discontinued at any time.

The Company repurchased 37,805 shares of its common stock during the third quarter of 2023 at an average price per share of $32.63. An additional 47,980 shares remain eligible for purchase under the 2021 Repurchase Plan. The book value per share and tangible book value per share of the Company’s common stock was $42.30 and $31.67, respectively, at September 30, 2023.

Conference Call

Executive management will host a conference call to discuss third quarter 2023 results on Thursday, October 19, 2023 at 10:30 a.m. CDT. Analysts, investors and interested parties may attend the conference call by dialing toll free 1.848.488.9160 (US Local/International) or 1.877.550.1858 (US Toll Free). The investor presentation can be accessed the day of the presentation on 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)	9/30/2023			6/30/2023			9/30/2022
Reported net income	$	9,754		$	9,781		$	10,434
Add: Core deposit intangible amortization, net tax	307			307			358
Non-GAAP tangible income	$	10,061		$	10,088		$	10,792

















Total assets	$	3,317,729		$	3,290,153		$	3,167,666
Less: Intangible assets	86,749			87,138			87,839
Non-GAAP tangible assets	$	3,230,980		$	3,203,015		$	3,079,827

Total shareholders’ equity	$	345,332		$	346,117		$	316,656
Less: Intangible assets	86,749			87,138			87,839
Non-GAAP tangible shareholders’ equity	$	258,583		$	258,979		$	228,817

















Return on average equity	11.04		%	11.26		%	12.35		%
Add: Average intangible assets	4.11			4.24			4.99
Non-GAAP return on average tangible common equity	15.15		%	15.50		%	17.34		%

Common equity ratio	10.41		%	10.52		%	10.00		%
Less: Intangible assets	2.41			2.43			2.57
Non-GAAP tangible common equity ratio	8.00		%	8.09		%	7.43		%

Book value per share	$	42.30		$	42.22		$	38.27
Less: Intangible assets	10.63			10.63			10.61
Non-GAAP tangible book value per share	$	31.67		$	31.59		$	27.66

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, 2022 describes some of these factors, including risk elements in the loan portfolio, the level of the allowance for credit losses, the impact of the COVID-19 pandemic, 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)	9/30/2023		6/30/2023		% Change		9/30/2022
Assets
Cash and cash equivalents	$	84,520	$	96,873	(13)	%	$	150,556
Interest-bearing deposits in banks	99		99		—		349
Investment securities available for sale, at fair value	427,019		449,396		(5)		492,758
Investment securities held to maturity	1,065		1,066		—		1,080
Mortgage loans held for sale	467		538		(13)		169
Loans, net of unearned income	2,569,094		2,510,759		2		2,303,279
Allowance for loan losses	(31,123)		(30,639)		2		(27,351)
Total loans, net of allowance for loan losses	2,537,971		2,480,120		2		2,275,928
Office properties and equipment, net	42,402		42,904		(1)		43,685
Cash surrender value of bank-owned life insurance	47,054		46,789		1		46,019
Goodwill and core deposit intangibles	86,749		87,138		—		87,839
Accrued interest receivable and other assets	90,383		85,230		6		69,283
Total Assets	$	3,317,729	$	3,290,153	1		$	3,167,666

Liabilities
Deposits	$	2,597,484	$	2,551,718	2	%	$	2,738,424
Other Borrowings	5,539		5,539		—		5,539
Subordinated debt, net of issuance cost	54,187		54,133		—		53,958
Federal Home Loan Bank advances	283,826		305,297		(7)		24,816
Accrued interest payable and other liabilities	31,361		27,349		15		28,273
Total Liabilities	2,972,397		2,944,036		1		2,851,010

Shareholders' Equity
Common stock	81		82		(1)		83
Additional paid-in capital	165,149		164,945		—		164,024
Common stock acquired by benefit plans	(1,787)		(1,878)		5		(2,150)
Retained earnings	227,649		220,801		3		197,553
Accumulated other comprehensive loss	(45,760)		(37,833)		(21)		(42,854)
Total Shareholders' Equity	345,332		346,117		—		316,656
Total Liabilities and Shareholders' Equity	$	3,317,729	$	3,290,153	1		$	3,167,666


HOME BANCORP, INC. AND SUBSIDIARY
CONDENSED STATEMENTS OF INCOME
(Unaudited)
	Quarter Ended
(dollars in thousands, except per share data)	9/30/2023		6/30/2023		% Change		9/30/2022		% Change
Interest Income
Loans, including fees	$	38,490	$	36,530	5	%	$	29,859	29	%
Investment securities	2,939		2,986		(2)		2,958		(1)
Other investments and deposits	649		555		17		1,447		(55)
Total interest income	42,078		40,071		5		34,264		23
Interest Expense
Deposits	8,181		5,547		47	%	1,270		544	%
Other borrowings	53		55		(4)		53		—
Subordinated debt expense	845		850		(1)		859		(2)
Federal Home Loan Bank advances	3,490		3,313		5		105		3224
Total interest expense	12,569		9,765		29		2,287		450
Net interest income	29,509		30,306		(3)		31,977		(8)
Provision for loan losses	351		511		(31)		1,696		(79)
Net interest income after provision for loan losses	29,158		29,795		(2)		30,281		(4)
Noninterest Income
Service fees and charges	1,277		1,230		4	%	1,300		(2)	%
Bank card fees	1,903		1,715		11		1,623		17
Gain on sale of loans, net	687		26		2542		78		781
Income from bank-owned life insurance	265		260		2		231		15

(Loss) gain on sale of assets, net	—		(3)		100		18		(100)
Other income	267		220		21		224		19
Total noninterest income	4,399		3,448		28		3,474		27
Noninterest Expense
Compensation and benefits	12,492		12,601		(1)	%	12,128		3	%
Occupancy	2,410		2,447		(2)		2,297		5
Marketing and advertising	638		442		44		658		(3)
Data processing and communication	2,496		2,132		17		2,284		9
Professional fees	402		459		(12)		331		21
Forms, printing and supplies	195		204		(4)		185		5
Franchise and shares tax	542		541		—		633		(14)
Regulatory fees	511		401		27		467		9
Foreclosed assets, net	99		50		98		101		(2)
Amortization of acquisition intangible	389		389		—		453		(14)
Provision for credit losses on unfunded commitments	—		151		(100)		146		(100)
Other expenses	1,164		1,142		2		1,040		12
Total noninterest expense	21,338		20,959		2		20,723		3
Income before income tax expense	12,219		12,284		(1)		13,032		(6)
Income tax expense	2,465		2,503		(2)		2,598		(5)
Net income	$	9,754	$	9,781	—		$	10,434	(7)

Earnings per share - basic	$	1.22	$	1.22	—	%	$	1.29	(5)	%
Earnings per share - diluted	$	1.22	$	1.21	1	%	$	1.28	(5)	%

Cash dividends declared per common share	$	0.25	$	0.25	—	%	$	0.23	9	%


HOME BANCORP, INC. AND SUBSIDIARY
SUMMARY FINANCIAL INFORMATION
(Unaudited)
	Quarter Ended
(dollars in thousands, except per share data)	9/30/2023			6/30/2023			% Change		9/30/2022			% Change
EARNINGS DATA
Total interest income	$	42,078		$	40,071		5	%	$	34,264		23	%
Total interest expense	12,569			9,765			29		2,287			450
Net interest income	29,509			30,306			(3)		31,977			(8)
Provision for loan losses	351			511			(31)		1,696			(79)
Total noninterest income	4,399			3,448			28		3,474			27
Total noninterest expense	21,338			20,959			2		20,723			3
Income tax expense	2,465			2,503			(2)		2,598			(5)
Net income	$	9,754		$	9,781		—		$	10,434		(7)

AVERAGE BALANCE SHEET DATA
Total assets	$	3,281,093		$	3,250,190		1	%	$	3,265,907		—	%
Total interest-earning assets	3,087,452			3,050,335			1		3,060,273			1
Total loans	2,538,218			2,491,029			2		2,265,846			12
PPP loans	5,869			6,100			(4)		9,431			(38)
Total interest-bearing deposits	1,768,639			1,707,283			4		1,894,275			(7)
Total interest-bearing liabilities	2,101,424			2,039,815			3		1,978,734			6
Total deposits	2,568,173			2,538,800			1		2,818,318			(9)
Total shareholders' equity	350,436			348,414			1		335,053			5

PER SHARE DATA
Earnings per share - basic	$	1.22		$	1.22		—	%	$	1.29		(5)	%
Earnings per share - diluted	1.22			1.21			1		1.28			(5)
Book value at period end	42.30			42.22			—		38.27			11
Tangible book value at period end	31.67			31.59			—		27.66			14
Shares outstanding at period end	8,163,655			8,197,859			—		8,273,334			(1)
Weighted average shares outstanding
Basic	8,006,226			8,042,434			—	%	8,089,246			(1)	%
Diluted	8,038,606			8,079,205			(1)		8,138,307			(1)

SELECTED RATIOS (1)
Return on average assets	1.18		%	1.21		%	(2)	%	1.27		%	(7)	%
Return on average equity	11.04			11.26			(2)		12.35			(11)
Common equity ratio	10.41			10.52			(1)		10.00			4
Efficiency ratio (2)	62.93			62.09			1		58.45			8
Average equity to average assets	10.68			10.72			—		10.26			4
Tier 1 leverage capital ratio (3)	10.71			10.78			(1)		9.76			10
Total risk-based capital ratio (3)	13.73			14.07			(2)		13.65			1
Net interest margin (4)	3.75			3.94			(5)		4.11			(9)

SELECTED NON-GAAP RATIOS (1)
Tangible common equity ratio (5)	8.00		%	8.09		%	(1)	%	7.43		%	8	%
Return on average tangible common equity (6)	15.15			15.50			(2)		17.34			(13)

(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)
	9/30/2023							6/30/2023							9/30/2022
(dollars in thousands)	Originated		Acquired		Total			Originated		Acquired		Total			Originated		Acquired		Total
CREDIT QUALITY (1)
Nonaccrual loans(2)	$	8,001	$	3,905	$	11,906		$	6,806	$	5,364	$	12,170		$	4,281	$	12,799	$	17,080
Accruing loans 90 days or more past due	43		—		43			26		—		26			3		—		3
Total nonperforming loans	8,044		3,905		11,949			6,832		5,364		12,196			4,284		12,799		17,083
Foreclosed assets and ORE	221		141		362			121		80		201			14		376		390
Total nonperforming assets	8,265		4,046		12,311			6,953		5,444		12,397			4,298		13,175		17,473
Performing troubled debt restructurings	—		—		—			—		—		—			4,686		879		5,565
Total nonperforming assets and troubled debt restructurings	$	8,265	$	4,046	$	12,311		$	6,953	$	5,444	$	12,397		$	8,984	$	14,054	$	23,038

Nonperforming assets to total assets					0.37		%					0.38		%					0.55		%
Nonperforming loans to total assets					0.36							0.37							0.54
Nonperforming loans to total loans					0.47							0.49							0.74

(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)Nonaccrual loans include originated restructured loans placed on nonaccrual totaling $3.3 million at September 30, 2022. Acquired restructured loans placed on nonaccrual totaled $3.2 million at September 30, 2022. With the adoption of ASU 2022-02, effective January 1, 2023, TDR accounting has been eliminated.


HOME BANCORP, INC. AND SUBSIDIARY
SUMMARY CREDIT QUALITY INFORMATION - CONTINUED
(Unaudited)
	9/30/2023							6/30/2023							9/30/2022
	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	$	3,320	$	—	$	3,320		$	3,200	$	—	$	3,200		$	2,293	$	32	$	2,325
Home equity loans and lines	742		—		742			707		—		707			500		—		500
Commercial real estate	14,185		230		14,415			14,299		499		14,798			12,504		1,193		13,697
Construction and land	5,123		—		5,123			4,822		—		4,822			4,973		—		4,973
Multi-family residential	523		—		523			512		—		512			498		—		498
Commercial and industrial	6,161		105		6,266			5,734		121		5,855			4,523		188		4,711
Consumer	734		—		734			745		—		745			647		—		647
Total allowance for loan losses	$	30,788	$	335	$	31,123		$	30,019	$	620	$	30,639		$	25,938	$	1,413	$	27,351

Unfunded lending commitments(3)	2,454		—		2,454			2,454		—		2,454			2,263		—		2,263
Total allowance for credit losses	$	33,242	$	335	$	33,577		$	32,473	$	620	$	33,093		$	28,201	$	1,413	$	29,614

Allowance for loan losses to nonperforming assets					252.81		%					247.15		%					156.53		%
Allowance for loan losses to nonperforming loans					260.47		%					251.22		%					160.11		%
Allowance for loan losses to total loans					1.21		%					1.22		%					1.19		%
Allowance for credit losses to total loans					1.31		%					1.32		%					1.29		%

Year-to-date loan charge-offs					$	148						$	137						$	1,260
Year-to-date loan recoveries					296							152							605
Year-to-date net loan recoveries (charge-offs)					$	148						$	15						$	(655)
Annualized YTD net loan recoveries (charge-offs) to average loans					0.01		%					—		%					(0.04)		%

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

Q3 2023 Investor Presentation

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) the COVID-19 pandemic; (9) cyber incidents or other failures, disruptions or security beaches; or (10) 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, 2022. 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: $3.3 billion at September 30, 2023 • Market Cap: $266 million at October 13, 2023 • Ownership (S&P Global as of October 13, 2023) • Institutional: 42% • Insider/ESOP: 14% | 3 Our Company Total Assets $3.3B Total Loans $2.6B Total Deposits $2.6B

Our Markets | 4

Quarterly Financial Highlights 2Q 2022 3Q 2022 4Q 2022 1Q 2023 2Q 2023 3Q 2023 Profitability Net income $ 8,461 $ 10,434 $ 10,776 $ 11,320 $ 9,781 $ 9,754 Diluted EPS 1.03 1.28 1.32 1.39 1.21 1.22 ROA 1.03 % 1.27 % 1.35 % 1.43 % 1.21 % 1.18 % ROE 10.2 12.4 13.2 13.5 11.3 11.0 ROATCE(1) 14.4 17.3 18.8 18.8 15.5 15.2 Efficiency ratio 66.1 58.5 57.8 57.1 62.1 62.9 Provision for loan losses $ 591 $ 1,696 $ 1,987 $ 814 $ 511 $ 351 Core pre-provision net income(1) 9,530 11,507 11,941 11,559 10,084 9,820 Balance Sheet Assets $ 3,362,216 $ 3,167,666 $ 3,228,280 $ 3,266,970 $ 3,290,153 $ 3,317,729 Loans 2,224,655 2,303,279 2,430,750 2,466,392 2,510,759 2,569,094 Cash and cash equivalents 444,151 150,556 87,401 107,171 96,873 84,520 Allowance for loan losses (26,020) (27,351) (29,299) (30,118) (30,639) (31,123) Total deposits 2,920,376 2,738,424 2,633,181 2,557,744 2,551,718 2,597,484 Loan/Deposit 76 % 84 % 92 % 96 % 98 % 99 % Per Share Data Share price $ 34.13 $ 38.99 $ 40.03 $ 33.03 $ 33.21 $ 31.87 Book value 39.44 38.27 39.82 41.66 42.22 42.30 Tangible book value(1) 28.86 27.66 29.20 31.09 31.59 31.67 Price / tangible book value per share 118 % 141 % 137 % 106 % 105 % 101 % Dividend paid $ 0.23 $ 0.23 $ 0.24 $ 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) 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 Sep-23 YTD 1,000 2,000 3,000 4,000 Acquired Bank Date Assets ($ in MM) (at completion) % of TBV (at announcement) # of Branches Consideration Statewide Bank March 2010 $199 FDIC-assisted 6 All Cash Guaranty Savings Bank July 2011 $257 95% 5 All Cash Britton & Koontz Bank February 2014 $301 90% 8 All Cash Bank of New Orleans September 2015 $346 126% 4 All Cash St. Martin Bank & Trust December 2017 $597 183% 12 ~80% Stock, 20% Cash(1) Texan Bank March 2022 $416 144% 5 All Cash (1) Cash was comprised of an aggregate $19.5 million special cash distribution paid by St. Martin Bancshares to its shareholders. Statewide Bank Guaranty Savings Bank Britton & Koontz Bank Bank of New Orleans St. Martin Bank & Trust CAGR = 13.3% as of September 30, 2023 | 6 Asset Growth Texan Bank

($ in millions) $9.9 $12.6 $16.0 $16.8 $31.6 $27.9 $24.8 $48.6 $34.1 $30.9 Q1 Q2 Q3 Q4 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 $0 $10 $20 $30 $40 $50 $60 Net Income $1.42 $1.79 $2.25 $2.28 $3.40 $3.05 $2.85 $5.77 $4.16 $3.82 Q1 Q2 Q3 Q4 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 $0.00 $1.00 $2.00 $3.00 $4.00 $5.00 $6.00 $7.00 Diluted EPS Earnings | 7

Profitability 1.46 1.27 0.99 1.76 1.07 1.43 1.21 1.18 1.53 1.32 1.12 1.04 1.25 1.46 1.24 1.19 GAAP Core pre-provision earnings 2018 2019 2020 2021 2022 1Q 2023 2Q 2023 3Q 2023 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 10.9 9.0 7.8 14.4 10.2 13.5 11.3 11.0 11.4 9.3 8.9 8.5 11.8 13.8 11.6 11.1 GAAP Core pre-provision earnings 2018 2019 2020 2021 2022 1Q 2023 2Q 2023 3Q 2023 0.0% 2.0% 4.0% 6.0% 8.0% 10.0% 12.0% 14.0% 16.0% Return on Average Equity 14.8 11.8 10.2 18.0 13.9 18.8 15.5 15.1 14.9 11.8 11.1 10.5 15.6 18.6 15.6 14.8 ROATCE Core pre-provision earnings 2018 2019 2020 2021 2022 1Q 2023 2Q 2023 3Q 2023 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 60.0 63.3 59.1 57.1 62.1 57.1 62.1 62.9 59.6 63.5 63.8 64.8 61.2 58.1 61.7 63.0 GAAP Core pre-provision earnings 2018 2019 2020 2021 2022 1Q 2023 2Q 2023 3Q 2023 50.0% 55.0% 60.0% 65.0% 70.0% Efficiency Ratio (1) See appendix for reconciliation of Non-GAAP items. (1) | 8

Lo an B al an ce O ut st an di ng ($ in m ill io ns ) Originated Acquired PPP Loans 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 Sep-23 YTD — 500 1,000 1,500 2,000 2,500 3,000 CAGR Excluding PPP Loans: Total Loan CAGR = 15% Originated Loan CAGR = 13% Organic Loan Growth (excludes acquisition accounting & unearned income) | 9

Loan Portfolio (as of September 30, 2023) CRE, 46% 1-4 Mortgage, 17% C&I, 16% C&D, 13% Multifamily, 4% Home Equity, 3% Consumer, 1% Composition Market Diversification Acadiana, 29% New Orleans, 27%Houston, 17% Northshore 14% Baton Rouge, 11% MS, 2% CRE Loan Portfolio • Owner Occupied - 52% • Non-owner Occupied - 48% 3Q 2023 annualized growth rate - 9% • Total loans - $2.6 billion • Houston market - 21% annualized growth rate | 10

Non-Owner Occupied CRE (as of September 30, 2023) | 11 • Average Balance $846K • Approximately 21.5% of total loans • $2.1 million or 0.4% of the N.O.O. portfolio is nonaccrual Retail - Multi-Tenant, 26% Hotel, 19% Office, 15% Other, 9% Warehouse/Industrial, 8% Mixed Use, 7% Retail - Single Tenant, 5% Other Specialty Use, 4% Medical Office, 3% Healthcare, 2% Restaurant/Bar, 2% Office Exposure Zero nonaccrual and criticized loans in office exposure Office Loans Total $80.9 million or 3.1% of total loans Average Office Loan Balance $1.2 million Geographic Exposure 45% 33% 8% 7% 7% Houston Baton Rouge Acadiana Northshore New Orleans

C&D Portfolio (as of September 30, 2023) Lots, Development and Unimproved Land, 24% 1-4 Family Construction, 29% Commercial Construction, 47% Composition | 12 Historic Charge-off (Recovery Rate) Charge-off (recovery) 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 Sep-23 YTD (0.25)% —% 0.25% 0.50% 0.75% 1.00% Total Balance $342.7 million Average Balance $493.0K $659K net charge-offs since 2009 0.8% on Nonaccrual or $2.8 million

($ in m illi on s) $1.4 $3.8 $3.7 $(0.7) $1.7 $0.1 $21.1 $29.3 $31.1 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 Sep 2023 $0 $10 $20 $30 $40 2022 (dollars in thousands) 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 Total Loans $ 2,303,279 $ 2,430,750 $ 2,466,392 $ 2,510,759 $ 2,569,094 Total nonaccrual loans 17,080 10,513 11,232 12,170 11,906 Total special mention loans 10,761 7,083 9,778 9,511 9,046 Total substandard loans 20,060 21,526 23,519 27,252 31,046 Total criticized loans $ 30,821 $ 28,609 $ 33,297 $ 36,763 $ 40,092 Nonaccrual loans / Total loans 0.74 % 0.43 % 0.46 % 0.48 % 0.46 % Criticized loans / Total loans 1.34 % 1.18 % 1.35 % 1.46 % 1.56 % ALL / Total Loans 1.19 % 1.21 % 1.22 % 1.22 % 1.21 % 20232021 Changes in ALL | 13

1.16 1.21 1.30 0.77 0.49 0.34 0.37 1.01 0.72 0.75 0.40 0.28 0.14 0.25 NPAs / Total Assets Originated NPAs / Total Assets 2017 2018 2019 2020 2021 2022 Sep-23 YTD 0.0% 0.2% 0.4% 0.6% 0.8% 1.0% 1.2% 1.4% 1.6% NPAs / Assets title — 0.15 0.09 0.12 0.09 0.03 0.01 2017 2018 2019 2020 2021 2022 Sep-23 YTD 0.00% 0.05% 0.10% 0.15% 0.20% Net Charge-offs / YTD Average Loans 57 63 63 165 146 267 253 ALL / NPAs 2017 2018 2019 2020 2021 2022 Sep-23 YTD 0% 50% 100% 150% 200% 250% ALL / NPAs 1.74 1.94 1.73 1.03 0.83 0.41 0.70% 0.82 0.87 1.32 0.74 0.57 0.32 0.72% Past Due Loans / Loans Originated Past Due / Originated Loans 2017 2018 2019 2020 2021 2022 Sep-23 YTD 0.0% 0.5% 1.0% 1.5% 2.0% 2.5% Loans Past Due Credit Quality Trends | 14

Investment Portfolio | 15 (dollars in millions) Book Value Gain/(loss) Eff. Duration MBS $226 $(33) 5.0 CMBS 162 (15) 3.2 Muni 57 (11) 6.6 CMO 21 (2) 4.4 Agency 19 (2) 3.3 Corp 7 (1) 2.1 Total $491 $(63) 4.5 10 Year Investment Cash Flow 3% 10% 21% 36% 52% 63% 71% 77% 82% 86% 90% Expected Principal Cash Flows (dollars in thousands Percentage of Cash Flows FYE 2023 FYE 2024 FYE 2025 FYE 2026 FYE 2027 FYE 2028 FYE 2029 FYE 2030 FYE 2031 FYE 2032 FYE 2033 $— $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 46% CMBS 33% Muni 12% CMO 4% Agency 4% Corp 1% 13% of total assets 2.4% Q3 yield $63.4 million loss approximately 12.9% of book value 99.8% AFS $10.2 million MV decline in Q3 $12.2 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% 30% 27% 28% 29% 31% 25% 24% 20% 22% 17% 13% 13% 21% 17% 15% 15% 15% 16% 15% 11% 11% 11% 11% 12% 10% Demand deposits NOW Certificates of deposit Money Market Savings Balance 2018 2019 2020 2021 2022 Sep 2023 $1,600 $2,000 $2,400 $2,800 Change (dollars in thousands) 9/30/2022 6/30/2023 9/30/2023 QoQ YoY Demand Deposits $ 921,089 $ 816,555 $ 785,448 $ (31,107) $ (135,641) Savings 325,594 261,780 246,402 (15,378) (79,192) Money Market 452,474 363,801 392,174 28,373 (60,300) NOW 686,592 645,087 617,003 (28,084) (69,589) CDs 352,675 464,495 556,457 91,962 203,782 Total Deposits $ 2,738,424 $ 2,551,718 $ 2,597,484 $ 45,766 $ (140,940) Deposits (as of September 30, 2023) | 16 $31,810 Average deposit size 30% Non-interest bearing deposit composition

Deposits (as of September 30, 2023) | 17 Retail Business Public Broker Total FDIC Insured 45% 19% —% —% 64% Uninsured (1) 7 16 — — 23 Reciprocal — 4 — — 4 Public Funds — — 7 — 7 Brokered Deposits — — — 2 2 Total 52% 39% 7% 2% 100% Cost of Deposits 0.15 0.17 0.23 0.41 0.62 0.93 1.200.46 0.42 0.42 0.57 1.38 2.49 3.40 0.20 0.22 0.27 0.44 0.77 1.30 1.84 Non-maturity deposits Certificates of deposit Total interest-bearing deposits 1Q 2022 2Q 2022 3Q 2022 4Q 2022 1Q 2023 2Q 2023 3Q 2023 — 0.25 0.50 0.75 1.00 1.25 1.50 1.75 2.00 2.25 2.50 2.75 3.00 3.25 3.50 3.75 (1) Excluding internal accounts, over FDIC limit and not collateralized (2) Total primary funding sources covering uninsured deposits. Funding Availability (in thousands) Q3 2023 FHLB availability $ 914,064 FRB - Bank Term Funding Program 106,140 Unencumbered investments (book) 79,015 FRB discount window 500 Total primary funding sources $ 1,099,719 Fed fund lines 55,000 Total primary and secondary liquidity $ 1,154,719 Uninsured Deposits(1) Approximately $582 million or 22% of total deposits Coverage of Uninsured Deposits(2) 189%

3.76 4.11 4.38 4.18 3.94 3.75 3.75 3.76 3.74 NIM 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 Jul- 23 Aug- 23 Sep- 23 3.60% 4.00% 4.40% 4.80% NIM (TE) 4.88 4.94 5.17 5.43 5.67 5.82 5.95 Loan Yield 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 4.50% 5.00% 5.50% 6.00% 6.50% Yield on Loans 0.24 0.25 0.46 0.70 1.33 1.91 2.37 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 0.0% 1.0% 2.0% 3.0% Cost of Interest-Bearing Liabilities Yields | 18 Short-term FHLB advances at September 30, 2023 was $241 million with an average cost of 5.35% NIM 3.75% for the quarter ended September 2023 1.84% Cost of interest-bearing deposits for the quarter ended September 2023 MonthQuarter

Rate Shock 1 Year % Change in NII -100 (1.1)% +100 0.3% +200 0.6% +300 0.9% % of assets 2019 2022 Q3 2023 Q3 Cash 2% 5% 3% Investments 12% 16% 13% Loans, excluding PPP 78% 72% 77% Other Assets 8% 7% 7% NMD - noninterest-bearing 20% 29% 24% NMD - interest-bearing 45% 46% 38% CDs 18% 11% 17% Total Deposits 83% 86% 78% Advances 2% 1% 9% Subordinated Debt —% 2% 2% Other 1% 1% 1% Equity 14% 10% 10% Loan portfolio effective duration ~ 2.5 (based on management estimates) Cost of 2Q2016 - 3Q2019 3Q2019 - 1Q2022 1Q2022 - 3Q2023 Interest-bearing deposits 36% 40% 31% Total deposits 27% 31% 21% Interest-bearing liabilities 33% 40% 40% Funding earning assets 23% 29% 28% Interest Rate Risk Forecasted Change in NII Liability Betas Historical Funding Betas Balance Sheet Composition | 19 Fed Funds Effective Cost of Deposits Cost of Funding Earning Assets 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 —% 1.00% 2.00% 3.00% 4.00% 5.00% Investment Portfolio effective duration = 4.5 33% of loan portfolio is variable

0.62 0.62 0.62 0.57 0.54 0.44 0.47 2017 2018 2019 2020 2021 2022 Sep-23 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 2.53 2017 2018 2019 2020 2021 2022 Sep-23 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 2022 4Q 2022 1Q 2023 2Q 2023 3Q 2023 Service fees and charges $ 1,300 $ 1,198 $ 1,250 $ 1,230 $ 1,277 Bank card fees 1,623 1,566 1,787 1,715 1,903 Gain on sale of loans 78 22 57 26 687 Loss on sale of securities, net — — (249) — — Loss on sale of assets, net 18 9 (17) (3) — Other 455 544 483 480 532 Total noninterest income $ 3,474 $ 3,339 $ 3,311 $ 3,448 $ 4,399 Noninterest income less loss on sale of securities and assets $ 3,456 $ 3,330 $ 3,577 $ 3,451 $ 4,399 (dollars in thousands) 3Q 2022 4Q 2022 1Q 2023 2Q 2023 3Q 2023 Compensation $ 12,128 $ 12,880 $ 12,439 $ 12,601 $ 12,492 Data processing 2,284 2,295 2,321 2,132 2,496 Occupancy 2,297 2,261 2,350 2,447 2,410 Provision for unfunded 146 (170) 210 151 — Other 3,868 3,915 2,620 3,628 3,940 Total noninterest expense $ 20,723 $ 21,181 $ 19,940 $ 20,959 $ 21,338 Merger expenses 60 — — — — Foreclosed asset recovery (739) — — Noninterest expense excl. provision for unfunded and merger expenses $ 20,517 $ 21,351 $ 20,469 $ 20,808 $ 21,338 Noninterest Income & Expense | 20

$0.41 $0.55 $0.71 $0.84 $0.88 $0.91 $0.93 $1.00 Q1 Q2 Q3 Q4 2016 2017 2018 2019 2020 2021 2022 2023 $0.00 $0.50 $1.00 $1.50 Dividends Per Share 25.16 27.22 29.60 34.00 29.57 29.20 31.6725.39 27.15 29.00 33.92 31.16 33.95 37.28 Tangible book value Tangible book value excluding AOCI 2018 2019 2020 2021 March 2022 2022 September 2023 $20 $25 $30 $35 $40 Tangible Book Value Share Repurchase Activity Year # Shares Average Price Cash Utilized 2018 30,887 $ 38.66 $ 1,194,061 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 (as of 10/13/2023) 161,837 31.98 5,175,536 Total 1,677,088 $ 33.43 $ 56,059,905 Capital | 21 ~ 33,881 shares remaining in current plan as of October 13, 2023 New Share Repurchase Plan approved 405,000 13% Shares repurchased since 2017 8.4% CAGR TBV / share, excluding AOCI since 2018 Cash acquisition - Texan Bank Cash dividend of $0.25 per share payable on November 09, 2023 **Cash Dividend of $0.25 per share payable on November 9, 2023 **

9.7 9.8 10.4 10.7 10.8 10.7 13.9 14.7 12.4 12.8 12.8 12.5 15.2 15.9 13.6 14.0 14.1 13.7 Tier 1 leverage capital Common equity tier 1 Total risk-based capital 2020 2021 2022 1Q 2023 2Q 2023 3Q 2023 0% 5% 10% 15% 20% Capital Ratios (Bank only) Capital | 22 Home Bank, N.A. Home Bancorp, Inc. As Reported Including AOCI Losses (1) As Reported Including AOCI Losses (1) Common Equity Tier 1 capital 12.5% 10.8% 11.1% 9.5% Tier 1 risk based capital 12.5% 10.8% 11.1% 9.5% Total risk based capital 13.7% 12.1% 14.3% 12.7% Tier 1 leverage capital 10.7% 9.3% 9.5% 8.1% (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 9/30/2023

Investment Perspective | 23

| 24

2Q 2022 3Q 2022 4Q 2022 1Q 2023 2Q 2023 3Q 2023 Total shareholders' equity $ 329,124 $ 316,656 $ 329,954 $ 345,100 $ 346,117 $ 345,332 Less: intangible assets 88,309 87,839 87,973 87,527 87,138 86,749 Non-GAAP tangible shareholders' equity $ 240,815 $ 228,817 $ 241,981 $ 257,573 $ 258,979 $ 258,583 Reported net income $ 8,461 $ 10,434 $ 10,776 $ 11,320 $ 9,781 $ 9,754 Add: amortization CDI, net tax 359 358 350 352 307 307 Non-GAAP tangible net income $ 8,820 $ 10,792 $ 11,126 $ 11,672 $ 10,088 $ 10,061 Return on average equity 10.2 % 12.4 % 13.2 % 13.5 % 11.3 % 11.0 % Add: intangible assets 4.2 4.9 5.6 5.3 4.2 4.2 Non-GAAP return on tangible common equity 14.4 % 17.3 % 18.8 % 18.8 % 15.5 % 15.2 % Book value per share $ 39.44 $ 38.27 $ 39.82 $ 41.66 $ 42.22 $ 42.30 Less: intangible assets 10.58 10.61 10.62 10.57 10.63 10.63 Non-GAAP tangible book value per share $ 28.86 $ 27.66 $ 29.20 $ 31.09 $ 31.59 $ 31.67 Reported net income $ 8,461 $ 10,434 $ 10,776 $ 11,320 $ 9,781 $ 9,754 Less: PPP loan income 402 132 26 26 24 23 Less: gain (loss) on sale of assets (6) 18 9 (17) (3) — Less: gain(loss) on sale of securities — — — (249) — — Less: loan discount accretion 879 847 750 668 647 634 Add: provision for loan losses 591 1,696 1,987 814 511 351 Add: provision (reversal) for credit losses on unfunded commitments — 146 (170) 210 151 — Add: CDI amortization 454 453 443 446 389 389 Add: One-time recovery of foreclosed asset — — — (739) — — Add: merger-related expenses 1,583 60 — — — — Total non-core items, net of taxes 1,069 1,073 1,165 239 303 66 Core pre-provision net income (1) $ 9,530 $ 11,507 $ 11,941 $ 11,559 $ 10,084 $ 9,820 Appendix (non-GAAP reconciliation) | 25 (dollars in thousands, except per share data)

2018 2019 2020 2021 2022 Sep-23 YTD Total shareholders' equity $ 304,040 $ 316,329 $ 321,842 $ 351,903 $ 329,954 $ 345,332 Less: intangible assets 66,055 64,472 63,112 61,949 87,973 86,749 Non-GAAP tangible shareholders' equity $ 237,985 $ 251,857 $ 258,730 $ 289,954 $ 241,981 $ 258,583 Reported net income $ 31,590 $ 27,932 $ 24,765 $ 48,621 $ 34,072 $ 30,855 Add: amortization CDI, net tax 1,458 1,251 1,074 919 1,266 967 Non-GAAP tangible income $ 33,048 $ 29,183 $ 25,839 $ 49,540 $ 35,338 $ 31,822 Return on average equity 10.9 % 9.0 % 7.8 % 14.4 % 10.2 % 11.9 % Add: intangible assets 3.9 2.8 2.4 3.6 3.7 4.5 Non-GAAP return on tangible common equity 14.8 % 11.8 % 10.2 % 18.0 % 13.9 % 16.4 % Originated loans $ 1,095,160 $ 1,251,201 $ 1,625,139 $ 1,593,769 $ 1,961,425 $ 2,145,428 Acquired loans 554,594 463,160 354,815 246,324 469,325 423,666 Total loans $ 1,649,754 $ 1,714,361 $ 1,979,954 $ 1,840,093 $ 2,430,750 $ 2,569,094 Originated NPAs $ 15,526 $ 16,421 $ 10,353 $ 8,348 $ 4,489 $ 8,265 Acquired NPAs 10,444 12,121 9,628 6,116 6,487 4,046 Total NPAs $ 25,970 $ 28,542 $ 19,981 $ 14,464 $ 10,976 $ 12,311 Originated past due loans $ 9,549 $ 16,541 $ 12,070 $ 9,071 $ 6,215 $ 15,452 Acquired past due loans 22,493 13,098 8,335 6,146 3,683 2,651 Total past due loans $ 32,042 $ 29,639 $ 20,405 $ 15,217 $ 9,898 $ 18,103 Average assets $ 2,160,942 $ 2,198,483 $ 2,491,612 $ 2,765,878 $ 3,178,862 $ 3,250,604 Less: average PPP loans — — 169,665 169,149 15,691 6,116 Average assets excluding PPP loans $ 2,160,942 $ 2,198,483 $ 2,321,947 $ 2,596,729 $ 3,163,171 $ 3,244,488 Appendix (non-GAAP reconciliation) | 26 (dollars in thousands)

2018 2019 2020 2021 2022 Sep-23 YTD Reported noninterest income $ 13,447 $ 14,415 $ 14,305 $ 16,271 $ 13,885 $ 11,158 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 (20) Non-GAAP noninterest income $ 13,447 $ 13,568 $ 14,305 $ 15,058 $ 13,859 $ 11,427 Reported noninterest expense $ 63,225 $ 63,605 $ 62,981 $ 66,982 $ 81,909 $ 62,237 Less: lease termination — 291 — — — — Less: severance pay — 287 — — — — Less: one-time foreclosed asset recovery — — — — — 739 Less: merger-related expenses 2,010 — — 299 1,971 — Non-GAAP noninterest expense $ 61,215 $ 63,027 $ 62,981 $ 66,683 $ 79,938 $ 61,498 Reported net income $ 31,590 $ 27,932 $ 24,765 $ 48,621 $ 34,072 $ 30,855 Less: PPP loan income — — 5,895 13,208 1,359 73 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 (20) Less: gain (loss) on sale of securities — — — — — (249) Less: loan discount accretion 5,805 3,503 4,097 2,361 2,933 1,949 Add: provision (reversal) for loan losses 3,943 3,014 12,728 (10,161) 7,489 1,676 Add: provision for credit losses on unfunded commitments — — — 390 278 361 Add: CDI amortization 1,845 1,583 1,360 1,163 1,602 1,224 Add: lease termination — 291 — — — — Add: severance pay — 287 — — — — Add: one-time foreclosed asset recovery — — — — — (739) Add: merger-related expenses 2,010 — — 299 1,971 — Non-core items, net of taxes 1,575 1,189 3,236 (19,822) 5,547 608 Core pre-provision net income (1) $ 33,165 $ 29,121 $ 28,001 $ 28,799 $ 39,619 $ 31,463 (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) | 27 (dollars in thousands)

2018 2019 2020 2021 1Q2022 2022 1Q2023 2Q2023 Sep-23 YTD Total shareholders' equity $ 304,040 $ 316,329 $ 321,842 $ 351,903 $ 337,504 $ 329,954 $ 345,100 $ 346,117 $ 345,332 Less: intangible assets 66,055 64,472 63,112 61,949 87,569 87,973 87,527 87,138 86,749 Non-GAAP tangible shareholders' equity $ 237,985 $ 251,857 $ 258,730 $ 289,954 $ 249,935 $ 241,981 $ 257,573 $ 258,979 $ 258,583 Less: AOCI (2,206) 692 5,274 744 (13,465) (39,307) (33,774) (37,833) (45,760) Non-GAAP tangible shareholders' equity AOCI adjusted $ 240,191 $ 251,165 $ 253,456 $ 289,210 $ 263,400 $ 281,288 $ 291,347 $ 296,812 $ 304,343 Shares Outstanding 9,459,050 9,252,418 8,740,104 8,526,907 8,453,014 8,286,084 8,284,130 8,197,859 8,163,655 Book value per share $ 32.14 $ 34.19 $ 36.82 $ 41.27 $ 39.93 $ 39.82 $ 41.66 $ 42.22 $ 42.30 Less: intangible assets 6.98 6.97 7.22 7.27 10.36 10.62 10.57 10.63 10.63 Non-GAAP tangible book value per share $ 25.16 $ 27.22 $ 29.60 $ 34.00 $ 29.57 $ 29.20 $ 31.09 $ 31.59 $ 31.67 Less: AOCI (0.23) 0.07 0.60 0.08 (1.59) (4.75) (4.08) (4.62) (5.61) Non-GAAP tangible book value per share AOCI adjusted $ 25.39 $ 27.15 $ 29.00 $ 33.92 $ 31.16 $ 33.95 $ 35.17 $ 36.21 $ 37.28 Appendix (non-GAAP reconciliation) | 28 (dollars in thousands except for per share data) )

Cover	Oct. 18, 2023
Cover [Abstract]
Document Type	8-K
Document Period End Date	Oct. 18, 2023
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