investorpresentationq320 
Q3 2025 Earnings Conference Call
Certain comments in this presentation contain certain forward looking statements (as defined in the Securities Exchange Act of 1934 and the regulations thereunder). Forward looking statements are not historical facts but instead represent only the beliefs, expectations or opinions of Home Bancorp, Inc. and its management regarding future events, many of which, by their nature, are inherently uncertain. Forward looking statements may be identified by the use of such words as: “believe”, “expect”, “anticipate”, “intend”, “plan”, “estimate”, or words of similar meaning, or future or conditional terms such as “will”, “would”, “should”, “could”, “may”, “likely”, “probably”, or “possibly.” Forward looking statements include, but are not limited to, financial projections and estimates and their underlying assumptions; statements regarding plans, objectives and expectations with respect to future operations, products and services; and statements regarding future performance. Such statements are subject to certain risks, uncertainties and assumption, many of which are difficult to predict and generally are beyond the control of Home Bancorp, Inc. and its management, that could cause actual results to differ materially from those expressed in, or implied or projected by, forward looking statements. The following factors, among others, could cause actual results to differ materially from the anticipated results or other expectations expressed in the forward looking statements: (1) economic and competitive conditions which could affect the volume of loan originations, deposit flows and real estate values; (2) the levels of noninterest income and expense and the amount of loan losses; (3) competitive pressure among depository institutions increasing significantly; (4) changes in the interest rate environment causing reduced interest margins; (5) general economic conditions, either nationally or in the markets in which Home Bancorp, Inc. is or will be doing business, being less favorable than expected; (6) political and social unrest, including acts of war or terrorism; (7) we may not fully realize all the benefits we anticipated in connection with our acquisitions of other institutions or our assumptions made in connection therewith may prove to be inaccurate; (8) cyber incidents or other failures, disruptions or security beaches; or (9) legislation or changes in regulatory requirements adversely affecting the business of Home Bancorp, Inc. Home Bancorp, Inc. undertakes no obligation to update these forward looking statements to reflect events or circumstances that occur after the date on which such statements were made. As used in this report, unless the context otherwise requires, the terms “we,” “our,” “us,” or the “Company” refer to Home Bancorp, Inc. and the term the “Bank” refers to Home Bank, N.A., a national bank and wholly owned subsidiary of the Company. In addition, unless the context otherwise requires, references to the operations of the Company include the operations of the Bank. For a more detailed description of the factors that may affect Home Bancorp’s operating results or the outcomes described in these forward-looking statements, we refer you to our filings with the Securities and Exchange Commission, including our annual report on Form 10-K for the year ended December 31, 2024. 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 • 43 locations across Southern Louisiana, Western Mississippi and Houston • 1 Commercial Banking Office in North Houston Highlights: • Total Assets: $3.5 billion at September 30, 2025 • Market Cap: $401 million at October 17, 2025 • Ownership (S&P Global as of October 17, 2025) • Institutional: 48% • Insider/ESOP: 12% | 3 Our Company Total Assets $3.5B Total Loans $2.7B Total Deposits $3.0B
| 4 Our Markets
Quarterly Financial Highlights 2Q 2024 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 Profitability Net income $ 8,118 $ 9,437 $ 9,673 $ 10,964 $ 11,330 $ 12,357 Diluted EPS 1.02 1.18 1.21 1.37 1.45 1.59 Net interest income 29,393 30,382 31,586 31,749 33,351 34,106 Provision (reversal) for loan losses 1,261 140 873 394 489 (229) Core pre-provision net income(1) 8,868 9,430 10,430 11,205 10,881 12,113 Net interest margin ("NIM") 3.66 % 3.71 % 3.82 % 3.91 % 4.04 % 4.10 % ROA 0.97 1.10 1.12 1.29 1.31 1.41 ROE 8.8 9.8 9.7 11.0 11.2 11.8 ROATCE(1) 11.7 12.9 12.7 14.3 14.5 15.0 Efficiency ratio 65.8 65.3 63.5 60.4 60.5 59.5 Balance Sheet Assets $ 3,410,881 $ 3,441,990 $ 3,443,668 $ 3,485,453 $ 3,491,455 $ 3,494,074 Loans 2,661,346 2,668,286 2,718,185 2,747,277 2,764,538 2,705,895 Total deposits 2,722,915 2,777,487 2,780,696 2,827,207 2,908,234 2,975,503 Allowance/total loan ratio 1.21 % 1.21 % 1.21 % 1.21 % 1.21 % 1.21 % TCE Ratio 8.7 9.2 9.3 9.4 9.5 9.9 Loan/Deposit ratio 97.7 96.1 97.8 97.2 95.1 90.9 Per Share Data Share price $ 40.01 $ 44.58 $ 46.21 $ 44.80 $ 51.78 $ 54.33 Book value 46.51 48.75 48.95 50.82 52.36 54.05 Tangible book value(1) 35.90 38.17 38.44 40.13 41.54 43.29 Price / tangible book value per share 111 % 117 % 120 % 112 % 125 % 126 % Dividend paid $ 0.25 $ 0.25 $ 0.26 $ 0.27 $ 0.27 $ 0.29 (1) See appendix for reconciliation of Non-GAAP items. | 5 (dollars in thousands, except per share data)
H om e B an k To ta l A ss et s ($ in m illi on s) 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 Sep- 25 YTD 500 1,000 1,500 2,000 2,500 3,000 3,500 4,000 Statewide Bank - $199 MM Guaranty Savings Bank - $257 MM Britton & Koontz Bank - $301 MM Bank of New Orleans - $346 MM St. Martin Bank & Trust - $597 MM CAGR = 11.9% as of September 30, 2025 | 6 Asset Growth Texan Bank - $416 MM
Profitability 0.99 1.76 1.07 1.23 1.08 1.29 1.31 1.41 1.12 1.04 1.25 1.27 1.12 1.32 1.26 1.39 GAAP Core pre-provision earnings 2020 2021 2022 2023 2024 1Q 2025 2Q 2025 3Q 2025 0.0% 0.2% 0.4% 0.6% 0.8% 1.0% 1.2% 1.4% 1.6% 1.8% 2.0% Return on Average Assets 7.8 14.4 10.2 11.6 9.6 11.0 11.2 11.8 8.9 8.5 11.8 11.9 9.9 11.3 10.8 11.5 GAAP Core pre-provision earnings 2020 2021 2022 2023 2024 1Q 2025 2Q 2025 3Q 2025 0.0% 2.0% 4.0% 6.0% 8.0% 10.0% 12.0% 14.0% 16.0% Return on Average Equity 10.2 18.0 13.9 16.0 12.7 14.3 14.5 15.0 11.1 10.5 15.6 15.9 12.8 14.3 13.6 14.5 ROATCE Core pre-provision earnings 2020 2021 2022 2023 2024 1Q 2025 2Q 2025 3Q 2025 0.0% 2.0% 4.0% 6.0% 8.0% 10.0% 12.0% 14.0% 16.0% 18.0% 20.0% Return on Tangible Common Equity 59.1 57.1 62.1 61.2 64.7 60.3 60.4 59.5 63.8 64.8 61.2 61.3 64.6 60.2 62.9 59.4 GAAP Core pre-provision earnings 2020 2021 2022 2023 2024 1Q 2025 2Q 2025 3Q 2025 50.0% 55.0% 60.0% 65.0% 70.0% Efficiency Ratio (1) See appendix for reconciliation of Non-GAAP items. (1) | 7
Lo an B al an ce O ut st an di ng ($ in m ill io ns ) A nnualized G row th R ate Total Loans Annualized Growth Rate 4Q 2023 1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 2,500 2,550 2,600 2,650 2,700 2,750 2,800 Loan Portfolio (as of September 30, 2025) CRE O.O. 26% 1-4 Mortgage 18% CRE N.O.O. 18% C&I 15% C&D 12% Multifamily 7% Home Equity 3% Consumer 1% Composition Market Diversification Acadiana 28% New Orleans 27% Houston 20% Northshore 13% Baton Rouge 10% MS 2% • Total loans - $2.7 billion • 3Q 2025 WAR - 6.53% • Houston market - 9% YTD annualized growth rate • YTD 2025 annualized growth rate - (1)% • Houston market - 9% annualized growth rate YTD | 8 6% 6% 1% 7% (8)%4% 3%
OO CRE Portfolio (as of September 30, 2025) Geographic Exposure Houston, 34% Acadiana, 27% New Orleans 15% Northshore 12% Baton Rouge 10% Mississippi, 1% Southwest LA, 1% | 9 dollars in thousands Balances % of Total Loans % of OO CRE Avg Loan Size Criticized Balances Convenience Store $ 153,690 6 % 22 % $ 1,522 $ — Office 107,497 4 15 471 — Warehouse Or Industrial 92,950 3 13 567 6,586 Office Medical 82,573 3 12 860 — Other Specialty Use 53,716 2 8 866 3,883 Retail Single Tenant 52,821 2 7 644 — Restaurant/Bar 48,016 2 7 717 270 Church/School Mtg 46,083 2 7 940 1,463 Hospital Or Surgical Center 42,691 2 6 3,881 — Other 19,004 1 3 655 — Total $ 699,041 26 % 100 % $ 786 $ 12,202 Repricing or Maturing Term dollars in thousands 3 mths or less 4 - 12 mths 1 - 3 Years 3 - 5 Years 5+ Years Balances $ 123,276 $ 57,859 $ 173,769 $ 167,432 $ 176,705 WAR 5.9 % 4.9 % 5.4 % 6.7 % 4.5 % Average Rate 5.5% Fixed Rate % 71% Convenience Store Balances 87% in Houston Nonaccrual Balance $7.5 million
NOO CRE Portfolio, including Multifamily (as of September 30, 2025) Geographic Exposure New Orleans 40% Houston 22% Northshore 19% Acadiana 12% Baton Rouge 6% Other, 1% | 10 dollars in thousands Balances % of Total Loans % of NOO CRE Avg Loan Size Criticized Balances Multifamily $ 184,022 7 % 28 % $ 1,252 $ 1,291 Retail Multi-tenant 130,316 5 19 1,629 254 Multi Use Facility 70,792 3 11 1,221 7,959 Office 66,890 3 10 984 5,932 Hotel/Motel 58,030 2 9 1,350 7,981 Other 57,054 2 9 935 395 Warehouse or Industrial 44,349 2 7 584 — Hospital or Surgical Center 21,877 1 3 3,125 — Other Specialty Use 14,202 1 2 617 — Retail Single Tenant 12,833 1 2 443 — Total $ 660,365 24 % 100 % $ 1,115 $ 23,812 Repricing or Maturing Term dollars in thousands 3 mths or less 4 - 12 mths 1-3 years 3-5 Years 5+ Years Balances $ 121,312 $ 89,083 $ 235,281 $ 146,031 $ 68,658 WAR 6.8 % 4.8 % 5.5 % 6.9 % 4.3 % Average Rate 5.80% Fixed Rate % 71% Nonaccrual Balance $3.5 million
CRE Non-Medical Office Exposure (as of September 30, 2025) | 11 Nonaccrual Balance NOO loans - $0.0 OO loans - $0.0 Total Non-Medical Office Loans $174.4 million or 6.4% of total loans NOO Geographic Exposure Baton Rouge 0.9% Houston 0.8% Norths hore 0.3% Acadiana 0.3% New Orlean s 0.1% dollars in thousands Balances % of Total Loans Avg Loan Size Criticized Balances Baton Rouge $ 23,971 0.9 % $ 1,498 $ — Houston 21,319 0.8 1,938 5,932 Northshore 8,985 0.3 998 — Acadiana 8,807 0.3 367 — New Orleans 3,627 0.1 518 — Mississippi 181 — 181 — Total NOO Office $ 66,890 2.4 % $ 984 $ 5,932 dollars in thousands Balances % of Total Loans Avg Loan Size Criticized Balances Acadiana $ 30,410 1.1 % $ 434 $ — Houston 24,143 0.9 754 — New Orleans 20,960 0.8 524 — Baton Rouge 14,468 0.5 371 — Northshore 11,258 0.4 450 — Southwest LA 2,706 0.1 193 — Mississippi 3,552 0.1 444 — Total OO Office $ 107,497 3.9 % $ 471 $ — OO Office Exposure NOO Office Exposure Average Remaining Maturity NOO 6.0 yrs OO 7.1 yrs Average Rate NOO 5.3% OO 5.8%
Commercial & Industrial (as of September 30, 2025) | 12 Nonaccrual Balance $1.2 million LOC Utilization Rate 49% Average Rate 7.3% Geographic Exposure Acadiana 39% Baton Rouge 17% New Orleans 10% Houston 9% Northshore 8% Southwest LA 8% Other 6% Natchez 3% dollars in thousands Balances % of C&I % of Loans Avg Loan Size Criticized Balances Finance and Insurance 56,556 13.7 2.1 992 1,260 Professional Services $ 51,808 12.5 1.9 $ 123 $ — Retail 38,867 9.4 1.4 210 349 Manufacturing 38,603 9.3 1.4 282 78 Construction 32,281 7.8 1.2 111 258 Real Estate Leasing 30,414 7.4 1.1 146 4,641 Healthcare 30,224 7.3 1.1 131 — Transportation 28,457 6.9 1.1 206 136 Agriculture 26,461 6.4 1.0 176 59 Oil & Gas Extraction 20,754 5.0 0.8 301 — Other 59,165 14.3 2.2 152 221 Totals $ 413,590 100 % 15.3 % $ 182 $ 7,002 Repricing or Maturing Term dollars in thousands 3 mths or less 4 -12 Mths 1 - 3 Years 3 - 5 Years 5+ Years Balances $ 235,559 $ 27,602 $ 49,167 $ 49,194 $ 52,068 WAR 7.8 % 7.0 % 6.7 % 7.0 % 6.1 % Fixed Rate % 40%
C&D Portfolio (as of September 30, 2025) Commercial Construction, 51% Lots, Development and Unimproved Land, 28% 1-4 Family Construction, 21% Composition | 13 Historic Charge-off (Recovery Rate) Charge-off (recovery) 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 Sep- 25 YTD (0.25)% —% 0.25% 0.50% 0.75% 1.00% Total Balance $326 million Average Balance $543K $883K net charge-offs since 2009 3.0% on Nonaccrual or $9.8 million
Loans & Securities - Repricing and Maturity (as of September 30, 2025) | 14 Loan Repricing or Maturing Term Rate Structure Total Loans and Leases (1) dollars in millions Floating Rate* 3 mths or less 4 -12 Mths 1 - 3 Years 3 - 5 Years 5 - 7 Years 7+ Years Total Fixed Adjustable Residential mortgages $33 $17 $64 $126 $91 $29 $131 $491 $274 $217 Home equity loans and lines 78 0 1 2 2 0 4 87 9 78 Commercial real estate 143 72 125 339 262 120 114 1,175 817 359 Construction and land 130 63 57 56 16 3 1 326 135 191 Multifamily 21 8 22 70 52 1 10 184 146 37 Commercial and industrial 228 8 27 50 49 26 26 414 167 247 Other consumer 9 1 3 4 3 2 7 29 25 4 Total Loans and Leases $642 $169 $299 $647 $475 $181 $293 $2,706 $1,573 $1,133 % of Total 24% 6% 11% 24% 18% 7% 10% 100% 58% 42% Cumulative 24% 30% 41% 65% 83% 90% 100% Weighted average rate 7.53% 5.55% 5.71% 5.74% 6.85% 4.84% 4.91% 6.19% 5.48% 7.18% Investment Securities Projected Cash Flow Total Investment Securities (2) dollars in millions 3 mths or less 4 -12 Mths 1 - 3 Years 3 - 5 Years 5 - 7 Years 7+ Years Total Current par value $9 $59 $131 $89 $50 $72 $410 % of Total 2% 14% 32% 22% 12% 18% 100% Cumulative 2% 16% 48% 70% 82% 100% Weighted average rate 2.34% 2.63% 2.54% 2.31% 2.92% 2.21% 2.49% (1) Based on maturity date for fixed rate loans. (2) Par value for securities at September 30, 2025 by expected cash flow are shown. Actual cash flow may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without prepayment penalties. *Floating rate loans reprice regularly every 3 months or less.
($ in m illi on s) $29.3 $2.3 $(0.1) $2.4 $(1.0) $0.6 $(0.7) $29.3 $31.5 $32.9 $32.8 Dec 2022 Organic Provision Net Charge- offs Dec 2023 Organic Provision Net Charge- offs Dec 2024 Organic Provision Net Charge- offs Sep 2025 0 10 20 30 40 2024 (dollars in thousands) 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 Total Loans $ 2,668,286 $ 2,718,185 $ 2,747,277 $ 2,764,538 $ 2,705,895 Total nonperforming loans 18,089 13,598 19,047 23,352 29,522 Total special mention loans 2,415 823 820 1,812 3,959 Total substandard loans 34,677 35,790 36,409 49,811 57,643 Total criticized loans $ 37,092 $ 36,613 $ 37,229 $ 51,623 $ 61,602 Nonperforming loans / Total loans 0.68 % 0.50 % 0.69 % 0.84 % 1.09 % Criticized loans / Total loans 1.39 % 1.35 % 1.36 % 1.87 % 2.28 % ALL / Total Loans 1.21 % 1.21 % 1.21 % 1.21 % 1.21 % 20252021 Changes in ALL | 15 2023
1.30 0.77 0.49 0.34 0.31 0.45 0.88 0.75 0.40 0.28 0.14 0.20 0.32 0.60 NPAs / Total Assets Originated NPAs / Total Assets 2019 2020 2021 2022 2023 2024 Sep-25 YTD 0.0% 0.2% 0.4% 0.6% 0.8% 1.0% 1.2% 1.4% 1.6% NPAs / Assets title 0.09 0.12 0.09 0.03 0.00 0.04 0.04 2019 2020 2021 2022 2023 2024 Sep-25 YTD 0.00% 0.05% 0.10% 0.15% Net Charge-offs / YTD Average Loans 63 165 146 267 304 211 106 ALL / NPAs 2019 2020 2021 2022 2023 2024 Sep-25 YTD 0% 50% 100% 150% 200% 250% 300% 350% ALL / NPAs 1.73 1.03 0.83 0.41 0.52 0.76 1.18% 1.32 0.74 0.57 0.32 0.36 0.67 1.05% Past Due Loans / Loans Originated Past Due / Originated Loans 2019 2020 2021 2022 2023 2024 Sep-25 YTD 0.0% 0.5% 1.0% 1.5% 2.0% 2.5% Loans Past Due Credit Quality Trends | 16
Investment Portfolio | 17 (dollars in thousands) Book Value Gain/(loss) Eff. Duration MBS $173,961 $(15,899) 4.2 Agency CMBS 152,296 (4,073) 2.2 Muni 54,195 (5,320) 5.3 CMO 14,517 (466) 2.7 Agency 11,448 (497) 3.6 Corp 4,490 (246) 0.5 Total $410,907 $(26,501) 3.5 10 Year Investment Cash Flow 2% 21% 39% 54% 64% 72% 78% 84% 88% 92% Expected Principal Cash Flows (dollars in thousands) Percentage of Cash Flows - Cumulative FYE 2025 FYE 2026 FYE 2027 FYE 2028 FYE 2029 FYE 2030 FYE 2031 FYE 2032 FYE 2033 FYE 2034 $— $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 $80,000 $90,000 —% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% MBS 42% Agency CMBS 37% Muni 13% CMO 4% Agency 3% Corp 1% 11% of total assets 2.4% Q3 yield $26.5 million unrealized loss ~ 6.4% of book value 99.7% AFS $3.7 million MV increase in Q3 $13.8 million decline in book value QoQ
Acadiana 52% New Orleans 14% Houston 12% Northshore 11% Mississippi, 7% Baton Rouge, 4% $ in m illi on s 28% 30% 34% 28% 26% 27% 29% 31% 25% 24% 23% 21% 17% 13% 13% 24% 26% 28% 15% 15% 16% 15% 17% 17% 11% 11% 12% 9% 8% 7% Demand deposits NOW Certificates of deposit Money Market Savings Balance 2020 2021 2022 2023 2024 Sep 2025 1,800 2,400 3,000 3,600 Change (dollars in thousands) 9/30/2024 6/30/2025 9/30/2025 QoQ YoY Demand Deposits $ 740,854 $ 796,844 $ 801,974 $ 5,130 $ 61,120 Savings 215,815 204,191 200,135 (4,056) (15,680) Money Market 452,456 463,332 499,404 36,072 46,948 NOW 644,061 625,793 641,204 15,411 (2,857) CDs 724,301 818,074 832,786 14,712 108,485 Total Deposits $ 2,777,487 $ 2,908,234 $ 2,975,503 $ 67,269 $ 198,016 Deposits (as of September 30, 2025) | 18 $35,636 Average deposit size 27% Non-interest bearing deposit composition 9% Annualized 2025 growth rate
Deposits (as of September 30, 2025) | 19 Retail Business Public Broker Total FDIC Insured 44% 17% —% —% 61% Uninsured (1) 8 17 — — 25 Reciprocal — 5 — — 5 Public Funds — — 6 — 6 Brokered Deposits — — — 3 3 Total 52% 39% 6% 3% 100% Cost of Deposits 0.93 1.20 1.42 1.52 1.63 1.75 1.73 1.68 1.71 1.76 2.49 3.40 4.01 4.41 4.58 4.59 4.33 4.00 3.86 3.85 1.30 1.84 2.24 2.52 2.69 2.78 2.66 2.51 2.52 2.57 Non-maturity deposits Certificates of deposit Total interest-bearing deposits 2Q 2023 3Q 2023 4Q 2023 1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 0.40 0.80 1.20 1.60 2.00 2.40 2.80 3.20 3.60 4.00 4.40 4.80 (1) Excluding internal accounts, over FDIC limit and not collateralized (2) Total primary funding sources covering uninsured deposits. Funding Availability (in thousands) Q3 2025 FHLB availability $ 1,275,472 Unencumbered investments (book) 64,686 FRB discount window 500 Total primary funding sources $ 1,340,658 Fed fund lines 55,000 Total primary and secondary liquidity $ 1,395,658 Uninsured Deposits(1) Approximately $731 million or 25% of total deposits Coverage of Uninsured Deposits(2) 183%
3.94 3.75 3.69 3.64 3.66 3.71 3.82 3.91 4.04 4.10 NIM 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 3.40% 3.60% 3.80% 4.00% 4.20% 4.40% NIM (TE) 5.82 5.95 6.08 6.18 6.28 6.43 6.43 6.43 6.50 6.53 Loan Yield 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 5.00% 5.50% 6.00% 6.50% 7.00% Yield on Loans 1.91 2.37 2.62 2.79 2.93 3.02 2.87 2.74 2.71 2.69 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 0.0% 1.0% 2.0% 3.0% 4.0% Cost of Interest-Bearing Liabilities Yields | 20 4.10% NIM for the quarter ended September 2025 1.88% Cost of total deposits for the quarter ended September 2025 Month Total borrowings decreased $74.6 million for the quarter ended September 2025
Rate Shock 1 Year % Change in NII 200 5.2% 100 2.7% (100) (3.2)% (200) (6.7)% % of assets 2019 2024 Q3 2025 Q3 Cash 2% 4% 5% Investments 12% 12% 11% Loans, excluding PPP 78% 77% 77% Other Assets 8% 7% 7% NMD - noninterest-bearing 20% 22% 23% NMD - interest-bearing 45% 38% 38% CDs 18% 21% 24% Total Deposits 83% 81% 85% Borrowings 2% 5% —% Subordinated Debt —% 2% 2% Other 1% 1% 1% Equity 14% 11% 12% Loan portfolio effective duration ~ 2.0 (based on management estimates) Cost of 2Q2016 - 3Q2019 3Q2019 - 1Q2022 3Q2022 - 3Q2024 3Q2024 - 3Q2025 Interest-bearing deposits 36% 40% 49% 17% Total deposits 27% 31% 36% 12% Interest-bearing liabilities 33% 40% 53% 27% Funding earning assets 23% 29% 37% 22% Interest Rate Risk Forecasted Change in NII Liability Betas Historical Funding Betas Balance Sheet Composition | 21 Fed Funds Effective Cost of Deposits Cost of Funding Earning Assets Q2- 16 Q4- 16 Q2- 17 Q4- 17 Q2- 18 Q4- 18 Q2- 19 Q4- 19 Q2- 20 Q4- 20 Q2- 21 Q4- 21 Q2- 22 Q4- 22 Q2- 23 Q4- 23 Q2- 24 Q4- 24 Q2- 25 —% 1.00% 2.00% 3.00% 4.00% 5.00% Investment Portfolio effective duration = 3.5 42% of loan portfolio is variable
0.62 0.57 0.54 0.44 0.46 0.43 0.44 2019 2020 2021 2022 2023 2024 Sep-25 YTD 0.40% 0.45% 0.50% 0.55% 0.60% 0.65% Noninterest Income(1) / Assets 2.87 2.53 2.41 2.51 2.52 2.58 2.57 2019 2020 2021 2022 2023 2024 Sep-25 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 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 Service fees and charges $ 1,291 $ 1,334 $ 1,309 $ 1,345 $ 1,408 Bank card fees 1,613 1,586 1,578 1,750 1,646 Gain on sale of loans 195 62 377 114 144 Loss on sale of assets, net (10) 39 9 (2) — Other 603 608 736 509 540 Total noninterest income $ 3,692 $ 3,629 $ 4,009 $ 3,716 $ 3,738 (dollars in thousands) 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 Compensation $ 13,058 $ 13,314 $ 12,652 $ 13,322 $ 13,531 Data processing 2,646 2,526 2,642 2,628 2,556 Occupancy 2,732 2,342 2,561 2,513 2,544 Provision (reversal) for unfunded — 240 — (970) — Other 3,822 3,933 3,724 4,914 3,900 Total noninterest expense $ 22,258 $ 22,355 $ 21,579 $ 22,407 $ 22,531 Noninterest expense excl. provision for unfunded $ 22,258 $ 22,115 $ 21,579 $ 23,377 $ 22,531 Noninterest Income & Expense | 22
0.84 0.88 0.91 0.93 1.00 1.01 1.14 0.20 0.22 0.22 0.23 0.25 0.25 0.27 0.21 0.22 0.23 0.23 0.25 0.25 0.27 0.21 0.22 0.23 0.23 0.25 0.25 0.290.22 0.22 0.23 0.24 0.25 0.26 0.31 Q1 Q2 Q3 Q4 2019 2020 2021 2022 2023 2024 2025 0.00 0.50 1.00 1.50 Dividends Per Share 27.22 29.60 34.00 29.57 29.20 34.45 38.44 43.29 Tangible book value 2019 2020 2021 March 2022 2022 2023 2024 September 2025 20 25 30 35 40 Tangible Book Value Share Repurchase Activity Year # Shares Average Price Cash Utilized 2019 419,498 $ 36.82 $ 15,444,895 2020 530,504 26.41 14,011,605 2021 246,012 36.18 8,900,409 2022 288,350 39.30 11,333,399 2023 164,272 32.01 5,257,822 2024 124,634 37.79 4,710,202 2025 (as of 10/17/2025) 320,840 44.27 14,202,444 Total 2,094,110 $ 35.27 $ 73,860,776 Capital | 23 390,972 shares remaining in current plan as of October 17, 2025 New Share Repurchase Plan approved 400,000 shares 17% Shares repurchased since 2019 8.4% CAGR TBV / share since 2019 Cash acquisition - Texan Bank Cash dividend of $0.31 per share payable on November 14, 2025 *payable in November 2025 *
9.8 10.4 11.0 11.4 11.5 11.5 11.9 14.7 12.4 13.0 13.3 13.3 13.4 14.0 15.9 13.6 14.2 14.5 14.6 14.7 15.2 Tier 1 leverage capital Common equity tier 1 Total risk-based capital 2021 2022 2023 2024 1Q 2025 2Q 2025 3Q 2025 0% 5% 10% 15% 20% Capital Ratios (Bank only) Capital | 24 Home Bank, N.A. Home Bancorp, Inc. As Reported Including AOCI (1) As Reported Including AOCI (1) Common Equity Tier 1 capital 14.0% 13.3% 12.5% 11.8% Tier 1 risk based capital 14.0% 13.3% 12.5% 11.8% Total risk based capital 15.2% 14.5% 15.6% 14.9% Tier 1 leverage capital 11.9% 11.3% 10.6% 10.0% (1) Assumes AOCI adjustments related to market valuations on securities and interest rate derivatives are included for regulatory capital calculations. Regulatory Capital and Adjusted Capital as of September 30, 2025
Investment Perspective | 25
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1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 Total shareholders' equity $ 372,285 $ 375,830 $ 393,453 $ 396,088 $ 402,831 $ 408,818 $ 423,044 Less: intangible assets 86,019 85,690 85,361 85,044 84,751 84,482 84,214 Non-GAAP tangible shareholders' equity $ 286,266 $ 290,140 $ 308,092 $ 311,044 $ 318,080 $ 324,336 $ 338,830 Reported net income $ 9,199 $ 8,118 $ 9,437 $ 9,673 $ 10,964 $ 11,330 $ 12,357 Add: amortization CDI, net tax 279 261 259 250 231 213 212 Non-GAAP tangible net income $ 9,478 $ 8,379 $ 9,696 $ 9,923 $ 11,195 $ 11,543 $ 12,569 Return on average equity 10.0 % 8.8 % 9.8 % 9.7 % 11.0 % 11.2 % 11.8 % Add: intangible assets 3.4 2.9 3.1 3.0 3.3 3.3 3.2 Non-GAAP return on tangible common equity 13.4 % 11.7 % 12.9 % 12.7 % 14.3 % 14.5 % 15.0 % Book value per share $ 45.73 $ 46.51 $ 48.75 $ 48.95 $ 50.82 $ 52.36 $ 54.05 Less: intangible assets 10.56 10.61 10.58 10.51 10.69 10.82 10.76 Non-GAAP tangible book value per share $ 35.17 $ 35.90 $ 38.17 $ 38.44 $ 40.13 $ 41.54 $ 43.29 Reported net income $ 9,199 $ 8,118 $ 9,437 $ 9,673 $ 10,964 $ 11,330 $ 12,357 Less: PPP loan income 22 20 35 12 17 2 1 Less: gain (loss) on sale of assets 6 (2) (10) 39 9 (2) — Less: loan discount accretion 525 490 452 421 356 356 347 Add: provision (reversal) for loan losses 141 1,261 140 873 394 489 (229) Add: provision (reversal) for credit losses on unfunded commitments — (134) — 240 — (970) — Add: CDI amortization 353 330 328 317 293 269 268 Total non-core items, net of taxes (47) 750 (7) 757 241 (449) (244) Core pre-provision net income (1) $ 9,152 $ 8,868 $ 9,430 $ 10,430 $ 11,205 $ 10,881 $ 12,113 Appendix (non-GAAP reconciliation) | 27 (dollars in thousands, except per share data) (1) Core pre-provision net income - removes the impact of one time items, PPP income, provision for credit losses, loan discount accretion and CDI.
2019 2020 2021 2022 2023 2024 Sep-25 YTD Total shareholders' equity $ 316,329 $ 321,842 $ 351,903 $ 329,954 $ 367,444 $ 396,088 $ 423,044 Less: intangible assets 64,472 63,112 61,949 87,973 86,372 85,044 84,214 Non-GAAP tangible shareholders' equity $ 251,857 $ 258,730 $ 289,954 $ 241,981 $ 281,072 $ 311,044 $ 338,830 Reported net income $ 27,932 $ 24,765 $ 48,621 $ 34,072 $ 40,240 $ 36,427 $ 34,651 Add: amortization CDI, net tax 1,251 1,074 919 1,266 1,264 1,049 656 Non-GAAP tangible income $ 29,183 $ 25,839 $ 49,540 $ 35,338 $ 41,504 $ 37,476 $ 35,307 Return on average equity 9.0 % 7.8 % 14.4 % 10.2 % 11.6 % 9.6 % 11.4 % Add: intangible assets 2.8 2.4 3.6 3.7 4.4 3.1 3.2 Non-GAAP return on tangible common equity 11.8 % 10.2 % 18.0 % 13.9 % 16.0 % 12.7 % 14.6 % Originated loans $ 1,251,201 $ 1,625,139 $ 1,593,769 $ 1,961,425 $ 2,169,500 $ 2,354,927 $ 2,386,569 Acquired loans 463,160 354,815 246,324 469,325 412,138 363,258 319,326 Total loans $ 1,714,361 $ 1,979,954 $ 1,840,093 $ 2,430,750 $ 2,581,638 $ 2,718,185 $ 2,705,895 Originated NPAs $ 16,421 $ 10,353 $ 8,348 $ 4,489 $ 6,518 $ 10,970 $ 21,080 Acquired NPAs 12,121 9,628 6,116 6,487 3,871 4,638 9,826 Total NPAs $ 28,542 $ 19,981 $ 14,464 $ 10,976 $ 10,389 $ 15,608 $ 30,906 Originated past due loans $ 16,541 $ 12,070 $ 9,071 $ 6,215 $ 7,864 $ 15,681 $ 24,983 Acquired past due loans 13,098 8,335 6,146 3,683 5,569 4,920 6,896 Total past due loans $ 29,639 $ 20,405 $ 15,217 $ 9,898 $ 13,433 $ 20,601 $ 31,879 Average assets $ 2,198,483 $ 2,491,612 $ 2,765,878 $ 3,178,862 $ 3,262,820 $ 3,386,721 $ 3,463,833 Less: average PPP loans — 169,665 169,149 15,691 5,997 4,436 624 Average assets excluding PPP loans $ 2,198,483 $ 2,321,947 $ 2,596,729 $ 3,163,171 $ 3,256,823 $ 3,382,285 $ 3,463,209 Appendix (non-GAAP reconciliation) | 28 (dollars in thousands)
2019 2020 2021 2022 2023 2024 Sep-25 YTD Reported noninterest income $ 14,415 $ 14,305 $ 16,271 $ 13,885 $ 14,636 $ 14,625 $ 11,463 Less: BOLI benefit 1,194 — 1,717 — — — — Less: gain (loss) on sale of securities — — — — (249) — — Less: gain (loss) on sale of assets (347) — (504) 26 (27) 33 7 Non-GAAP noninterest income $ 13,568 $ 14,305 $ 15,058 $ 13,859 $ 14,912 $ 14,592 $ 11,456 Reported noninterest expense $ 63,605 $ 62,981 $ 66,982 $ 81,909 $ 82,841 $ 87,289 $ 66,517 Less: lease termination 291 — — — — — — Less: severance pay 287 — — — — — — Less: one-time foreclosed asset recovery — — — — 739 — — Less: merger-related expenses — — 299 1,971 — — — Non-GAAP noninterest expense $ 63,027 $ 62,981 $ 66,683 $ 79,938 $ 82,102 $ 87,289 $ 66,517 Reported net income $ 27,932 $ 24,765 $ 48,621 $ 34,072 $ 40,240 $ 36,427 $ 34,651 Less: PPP loan income — 5,895 13,208 1,359 95 89 20 Less: Write of FDIC loss share receivable (680) — — — — — — Less: BOLI benefit 1,194 — 1,717 — — — — Less: gain (loss) on sale of assets (347) — (504) 26 (27) 33 7 Less: gain (loss) on sale of securities — — — — (249) — — Less: loan discount accretion 3,503 4,097 2,361 2,933 2,532 1,888 1,059 Add: provision (reversal) for loan losses 3,014 12,728 (10,161) 7,489 2,341 2,415 654 Add: provision for credit losses on unfunded commitments — — 390 278 501 106 (970) Add: CDI amortization 1,583 1,360 1,163 1,602 1,601 1,328 830 Add: lease termination 291 — — — — — — Add: severance pay 287 — — — — — — Add: one-time foreclosed asset recovery — — — — (739) — — Add: merger-related expenses — — 299 1,971 — — — Non-core items, net of taxes 1,189 3,236 (19,822) 5,547 1,069 1,453 (452) Core pre-provision net income (1) $ 29,121 $ 28,001 $ 28,799 $ 39,619 $ 41,309 $ 37,880 $ 34,199 (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) | 29 (dollars in thousands)
2019 2020 2021 1Q2022 2022 2023 2024 1Q2025 2Q2025 3Q2025 Total shareholders' equity $ 316,329 $ 321,842 $ 351,903 $ 337,504 $ 329,954 $ 367,444 $ 396,088 $ 402,831 $ 408,818 $ 423,044 Less: intangible assets 64,472 63,112 61,949 87,569 87,973 86,372 85,044 84,751 84,482 84,214 Non-GAAP tangible shareholders' equity $ 251,857 $ 258,730 $ 289,954 $ 249,935 $ 241,981 $ 281,072 $ 311,044 $ 318,080 $ 324,336 $ 338,830 Shares Outstanding 9,252,418 8,740,104 8,526,907 8,453,014 8,286,084 8,158,281 8,091,522 7,926,331 7,808,421 7,827,481 Book value per share $ 34.19 $ 36.82 $ 41.27 $ 39.93 $ 39.82 $ 45.04 $ 48.95 $ 50.82 $ 52.36 $ 54.05 Less: intangible assets 6.97 7.22 7.27 10.36 10.62 10.59 10.51 10.69 10.82 10.76 Non-GAAP tangible book value per share $ 27.22 $ 29.60 $ 34.00 $ 29.57 $ 29.20 $ 34.45 $ 38.44 $ 40.13 $ 41.54 $ 43.29 Appendix (non-GAAP reconciliation) | 30 (dollars in thousands except for per share data)