Home Bancorp reported net income of $10.1 million

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For the quarterly period ended: June September 30, 2026

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At July 31, November 2, 2026, the registrant had 7,870,750 7,779,122 shares of common stock, $0.01 par value, outstanding.

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Financial Statements (Unaudited) 569 changes

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Noninterest-bearing $ 835,118 $ 792,951

(dollars in thousands) June September 30, 2026 December 31, 2025

Cash and cash equivalents $ 188,224 179,053 $ 141,605

Investment securities available for sale, at fair value (amortized cost $ 433,631 452,047 and $ 414,884 , respectively)

Investment securities held to maturity (fair values of $ 531 0 and $ 1,066 , respectively)

Mortgage loans held for sale 1,566 774 1,558

Loans, net of unearned income 2,778,890 2,774,864 2,744,023

Allowance for loan losses ( 33,994 34,427 ) ( 33,142 )

Total loans, net of unearned income and allowance for loan losses 2,744,896 2,740,437 2,710,881

Office properties and equipment, net 51,538 51,467 48,995

Cash surrender value of bank-owned life insurance 50,131 50,426 49,557

Goodwill and core deposit intangibles 83,513 83,304 83,957

Accrued interest receivable and other assets 74,213 75,311 63,560

Total Assets $ 3,603,193 3,596,367 $ 3,492,626

Noninterest-bearing $ 827,696 $ 792,951

Interest-bearing 2,233,765 2,225,804 2,179,855

Total Deposits 3,068,883 3,053,500 2,972,806

Subordinated debt, net of issuance cost 54,784 54,838 54,675

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Accrued interest payable and other liabilities 26,069 34,931 27,027

Total Liabilities 3,149,736 3,143,269 3,057,532

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Common stock, $ 0.01 par value - 40,000,000 shares authorized; 7,868,139 7,873,701 and 7,831,342 shares issued and outstanding, respectively

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Retained earnings 302,171 284,834

Employee Stock Ownership Plan ( 803 714 ) ( 982 )

Retained earnings 309,679 284,834

Accumulated other comprehensive loss ( 19,224 28,308 ) ( 17,799 )

Total Shareholders' Equity 453,457 453,098 435,094

Total Liabilities and Shareholders' Equity $ 3,603,193 3,596,367 $ 3,492,626

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June 30, Six Months Ended

September 30, Nine Months Ended

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Loans, including fees $ 45,001 $ 45,287 $ 88,718 $ 89,319

Loans, including fees $ 45,236 $ 45,607 $ 133,954 $ 134,926

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Taxable interest 2,733 2,523 5,224 5,115

Other investments and deposits 1,414 746 2,877 1,251

Total interest income 49,219 48,629 96,959 95,830

Deposits 12,569 13,142 24,975 25,764

Other borrowings — 53 — 106

Subordinated debt expense 845 844 1,690 1,689

Total interest expense 13,414 15,278 26,672 30,730

Net interest income 35,805 33,351 70,287 65,100

Provision for loan losses

Service fees and charges 1,407 1,345 2,844 2,654

Bank card fees 1,718 1,750 3,312 3,328

Other income 277 227 469 685

Total noninterest income 3,919 3,716 7,657 7,725

Compensation and benefits 15,036 13,322 28,750 25,974

Occupancy 2,614 2,513 5,043 5,074

Marketing and advertising 522 461 1,016 890

Data processing and communication 2,655 2,628 5,284 5,270

Professional services 417 396 818 801

Forms, printing and supplies 179 203 398 403

Franchise and shares tax 340 483 680 959

Regulatory fees 460 502 922 1,018

Foreclosed assets, net 385 419 439 646

Amortization of acquisition intangible 210 269 444 562

Other expenses 1,736 2,181 3,700 3,359

Total noninterest expense 24,554 22,407 47,494 43,986

Income before income tax expense 14,408 14,171 28,766 27,956

Income tax expense 2,793 2,841 5,791 5,662

Net Income $ 11,615 $ 11,330 $ 22,975 $ 22,294

Basic $ 1.49 $ 1.47 $ 2.96 $ 2.85

Diluted $ 1.48 $ 1.45 $ 2.93 $ 2.82

Taxable interest 3,069 2,432 8,293 7,547

Other investments and deposits 1,373 1,111 4,250 2,362

Total interest income 49,743 49,222 146,702 145,052

Deposits 12,984 13,805 37,959 39,569

Other borrowings — 54 — 160

Subordinated debt expense 844 845 2,534 2,534

Short-term Federal Home Loan Bank advances — 1,120 303 — 2,775 3,078

Long-term Federal Home Loan Bank advances — 119 109 7 396 505

Total interest expense 13,828 15,116 40,500 45,846

Net interest income 35,915 34,106 106,202 99,206

Provision (reversal) for loan losses 1,019 ( 229 ) 2,703 654

Net interest income after provision for loan losses 35,043 32,862 68,603 64,217 34,896 34,335 103,499 98,552

Service fees and charges 1,512 1,408 4,356 4,062

Bank card fees 1,773 1,646 5,085 4,974

Gain on sale of loans, net 229 114 459 491 154 144 613 635

Income from bank-owned life insurance 289 282 574 560 295 288 869 848

(Loss) gain on sale of assets, net — 1 ) ( 2 — ( 1 ) 7

Other income 467 252 936 937

Total noninterest income 4,201 3,738 11,858 11,463

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and 489 more changes in the filing

MD&A 1 change

The purpose of this discussion and analysis is to focus on significant changes in the financial condition of the Company and the Bank from December 31, 2025 through June September 30, 2026 and on its results of operations for the three and six nine months ended June September 30, 2026 and 2025. This discussion and analysis is intended to highlight and supplement information presented elsewhere in this quarterly report on Form 10-Q, particularly the consolidated financial statements and related notes appearing in Item 1.

Forward-looking statements 238 changes

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The Company reported net income for the second quarter of 2026 of $11.6 million, or $1.48 diluted EPS, up $285,000, or 2.5%, compared to the second quarter of 2025. Net income for the second quarter of 2025 totaled $11.3 million, or $1.45 diluted EPS. For the six months ended June 30, 2026, the Company reported net income $23.0 million, or $2.93 diluted EPS, up $681,000 from $22.3 million, or $2.82 diluted EPS, reported for the six months ended June 30, 2025.

• During the three and six months ended June 30, 2026, the Company provisioned $762,000 and $1,684,000, respectively, to the ALL, primarily due to loan growth and net charge-offs. During the three and six months ended June 30, 2025, the Company provisioned $489,000 and $883,000, respectively, to the ALL.

• Noninterest income for the second quarter of 2026 was $3.9 million, up $203,000, or 5.5%, compared to the second quarter of 2025, primarily due to increases in gain on sale of loans (up $115,000), service fees and charges (up $62,000), and other income (up $50,000), which were partially offset by a decrease in bank card fees (down $32,000). For the six months ended June 30, 2026, noninterest income was down $68,000, or 0.9%, from the comparable period in 2025 primarily due to decreases in other income (down $216,000) and gain on sale of loans (down $32,000), which were partially offset by an increase in service fees and charges (up $190,000).

The Company reported net income for the third quarter of 2026 of $10.1 million, or $1.28 diluted EPS, down $2.3 million, or 18.3%, compared to the third quarter of 2025. Net income for the third quarter of 2025 totaled $12.4 million, or $1.59 diluted EPS. For the nine months ended September 30, 2026, the Company reported net income of $33.1 million, or $4.21 diluted EPS, down $1.6 million from $34.7 million, or $4.41 diluted EPS, reported for the nine months ended September 30, 2025.

Key components of the Company's performance during the three and six nine months ended June September 30, 2026 include:

• Assets increased $110.6 $103.7 million, or 3.2%, 3.0%, from December 31, 2025 to $3.6 billion at June September 30, 2026.

• Total loans were $2.8 billion at June September 30, 2026, up $34.9 $30.8 million, or 1.3%, 1.1%, from December 31, 2025.

• During the three and nine months ended September 30, 2026, the Company recorded provisions for credit losses of $1.0 million and $2.7 million, respectively. The provision for the three months ended September 30, 2026 was primarily attributable to increased reserves on individually analyzed loans, partially offset by the reduction in total loans, while the provision for the nine months ended September 30, 2026 was driven by increased reserves on individually analyzed loans, loan growth, and net charge-offs. During the three and nine months ended September 30, 2025, the Company reversed $229,000 and provisioned $654,000, respectively, to the ALL.

• The ALL totaled $34.0 $34.4 million, or 1.22% 1.24% of total loans, at June September 30, 2026 compared to $33.1 million, or 1.21% of total loans, at December 31, 2025. The ACL, which is comprised of the ALL plus the allowance for unfunded lending commitments, totaled $35.6 $36.1 million, or 1.28% 1.30% of total loans, at June September 30, 2026 compared to $34.8 million, or 1.27% of total loans, at December 31, 2025.

• Nonperforming assets ("NPAs") increased $3.1 $17.6 million, or 8.6%, 48.8%, from $36.1 million, or 1.03% of total assets, at December 31, 2025 to $39.2 $53.7 million, or 1.09% 1.49% of total assets, at June September 30, 2026. The increase in NPAs during the six nine months ended June September 30, 2026 was primarily attributable to multiple loan relationships (with the largest relationship totaling $1.3 $7.3 million) moving to nonaccrual status during 2026, which was partially offset by payoffs and paydowns.

• Total deposits amounted to $3.1 billion at June September 30, 2026, an increase of $96.1 $80.7 million, or 3.2%, 2.7%, from December 31, 2025.

• The net interest margin was 4.24% 4.19% and 4.20% for the three and six nine months ended June September 30, 2026, respectively, up 20 9 bps and 22 18 bps from the three and six nine months ended June September 30, 2025. The increase was primarily due to a decline in the average cost of interest-bearing liabilities. funding costs.

• The average rate paid on total interest-bearing deposits was 2.28% 2.33% and 2.29% 2.30% for the three and six nine months ended June September 30, 2026, respectively, down 24 bps and 23 24 bps from the three and six nine months ended June September 30, 2025.

• Total interest expense was $13.4 $13.8 million and $26.7 $40.5 million for the three and six nine months ended June September 30, 2026, respectively, down $1.9 $1.3 million, or 12.2% 8.5%, and down $4.1 $5.3 million, or 13.2% 11.7%, from the three and six nine months ended June September 30, 2025.

• Noninterest income for the third quarter of 2026 was $4.2 million, up $463,000, or 12.4%, compared to the third quarter of 2025, primarily due to increases in other income (up $215,000), bank card fees (up $127,000), and service fees and charges (up $104,000). For the nine months ended September 30, 2026, noninterest income was up $395,000, or 3.4%, from the comparable period in 2025 primarily due to increases in service fees and charges (up $294,000) and bank card fees (up $111,000).

• Noninterest expense for the second third quarter of 2026 was $24.6 $26.3 million, up $2.1 $3.8 million, or 9.6%, 16.8%, compared to the second third quarter of 2025, primarily due to an increase increases in foreclosed assets, net (up $1.7 million primarily for write downs on foreclosed assets due to updated values or contracts), compensation and benefits (up $1.7 $1.6 million), other expenses (up $356,000), and the absence of a reversal to the ACL on unfunded commitments ($970,000), data processing and communication (up $278,000), which were partially offset by decreases a decrease in other expenses (down $445,000) and franchise and shares tax occupancy (down $143,000). $81,000). For the six nine months ended June September 30, 2026, noninterest expense was up $3.5 $7.3 million, or 8.0%, 11.0%, from the comparable period in 2025 primarily due to an increase in compensation and benefits (up $2.8 $4.4 million), and foreclosed assets, net (up $1.5 million primarily for write downs on foreclosed assets due to updated values or contracts), the absence of a reversal to the ACL on unfunded commitments ($970,000), and other expenses (up $697,000), partially offset by a decrease in franchise and shares tax (down $279,000). $222,000).

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Total loans at June September 30, 2026 were $2.8 billion, up $34.9 $30.8 million, or 1.3%, 1.1%, from December 31, 2025.

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(dollars in thousands) June September 30, 2026 December 31, 2025 Increase/(Decrease)

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Home equity loans and lines 90,529 92,574 (2,045) (2.2)

Commercial real estate 1,215,828 1,190,388 25,440 2.1

Construction and land 323,541 329,227 (5,686) (1.7)

Multi-family residential 197,624 177,825 19,799 11.1

Commercial and industrial 446,352 430,517 15,835 3.7

Consumer 29,414 30,046 (632) (2.1)

Total other loans 475,766 460,563 15,203 3.3

Total loans $ 2,778,890 $ 2,744,023 $ 34,867 1.3 %

Home equity loans and lines 91,279 92,574 (1,295) (1.4)

Commercial real estate 1,224,277 1,190,388 33,889 2.8

Construction and land 303,735 329,227 (25,492) (7.7)

Multi-family residential 194,134 177,825 16,309 9.2

Total real estate loans 2,303,124 2,283,125 2,283,460 19,664 0.9 (335) — %

Commercial and industrial 462,665 430,517 32,148 7.5

Consumer 29,074 30,046 (972) (3.2)

Total other loans 491,739 460,563 31,176 6.8

Total loans $ 2,774,864 $ 2,744,023 $ 30,841 1.1 %

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At June September 30, 2026, the ALL totaled $34.0 $34.4 million, or 1.22% 1.24% of total loans, up $852,000 $1.3 million from $33.1 million, or 1.21% of total loans, at December 31, 2025. During the six nine months ended June September 30, 2026, the Company provisioned $1.7 $2.7 million to the ALL primarily due to increased reserves on individually analyzed loans, loan growth, and net charge-offs. Net loan charge-offs totaled $832,000 $1.4 million for the six nine months ended June September 30, 2026.

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At June September 30, 2026 and December 31, 2025, loans identified as credit deteriorated loans and individually evaluated for expected losses were $4.5 $8.9 million and $6.2 million, respectively. The following tables provide a summary of loans individually evaluated for credit losses as of the dates indicated.

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Commercial real estate 1,125 200 17.78

Commercial real estate 3,195 135 4.23

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Commercial and industrial 1,737 1,412 81.29

Total $ 4,484 $ 1,860 41.48 %

Multi-family residential 603 136 22.55 — — —

Commercial and industrial 4,723 2,768 58.61

Total $ 8,926 $ 3,015 33.78 %

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are those considered "uncollectible" and of such little value that their continuance as assets without the establishment of a specific loss reserve is not warranted.

Federal regulations and our policies require that we utilize an internal asset classification system as a means of reporting problem and potential problem assets. We have incorporated an internal asset classification system, substantially consistent with Federal banking regulations, as a part of our credit monitoring system. Federal banking regulations set forth a classification scheme for problem and potential problem assets as "substandard," "doubtful" or "loss" assets. An asset is considered "substandard" if it is inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. "Substandard" assets include those characterized by the "distinct possibility" that the insured institution will sustain "some loss" if the deficiencies are not corrected. Assets classified as "doubtful" have all of the weaknesses inherent in those classified "substandard" with the added characteristic that the weaknesses present make "collection or liquidation in full," on the basis of currently existing facts, conditions and values, "highly questionable and improbable." Assets classified as "loss" are those considered "uncollectible" and of such little value that their continuance as assets without the establishment of a specific loss reserve is not warranted.

At June September 30, 2026 and December 31, 2025, loans classified as substandard totaled $68.9 $82.9 million and $61.1 million, respectively. There were no assets classified as doubtful at either date. For additional information, refer to Note 5 to the Consolidated Financial Statements.

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(dollars in thousands) June September 30, 2026 December 31, 2025 Increase/(Decrease)

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Commercial real estate 19,973 2,947 17,026 577.7

Construction and land 1,826 866 960 110.9

Commercial and industrial 3,946 — 3,946 100.0

Commercial real estate 14,422 2,947 11,475 389.4

Construction and land 1,814 866 948 109.5

Multi-family residential 1,166 1,304 — 1,166 1,304 100.0

Commercial and industrial 4,643 — 4,643 100.0

Total special mention loans $ 26,911 22,183 $ 4,624 $ 22,287 482.0 17,559 379.7 % (dollars in thousands) June September 30, 2026 December 31, 2025 Increase/(Decrease)

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Home equity loans and lines 709 531 178 33.5

Commercial real estate 33,810 32,344 1,466 4.5

Construction and land 6,904 15,367 (8,463) (55.1)

Multi-family residential 1,594 1,598 (4) (0.3)

Commercial and industrial 18,377 4,252 14,125 332.2

Consumer 25 46 (21) (45.7)

Total substandard loans $ 68,889 $ 61,131 $ 7,758 12.7 %

Home equity loans and lines 513 531 (18) (3.4)

Commercial real estate 39,124 32,344 6,780 21.0

Construction and land 13,247 15,367 (2,120) (13.8)

Multi-family residential 988 1,598 (610) (38.2)

Commercial and industrial 21,721 4,252 17,469 410.8

Consumer 19 46 (27) (58.7)

Total substandard loans $ 82,861 $ 61,131 $ 21,730 35.5 %

Total nonperforming loans decreased increased by $7.8 $8.0 million, or 22.7%, 23.4%, to $26.4 $42.2 million at June September 30, 2026, compared to $34.2 million at December 31, 2025. The decrease increase was primarily attributable to three multiple loan relationships (with the largest relationship totaling $7.3 million) moving to nonaccrual status during 2026, which was partially offset primarily by six loan relationships with an aggregate outstanding balance of $12.0 $15.3 million at June September 30, 2026 that transferred to foreclosed assets, along with payoffs and paydowns. which was partially offset by multiple loan relationships (with the largest relationship totaling $1.3 million) moving to nonaccrual status during 2026.

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(dollars in thousands) June September 30, 2026 December 31, 2025

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Home equity loans and lines 709 513 531

Commercial real estate 10,092 22,354 9,011

Construction and land 5,277 4,808 15,367

Multi-family residential 1,281 679 1,281

Commercial and industrial 2,585 6,721 1,344

Total nonaccrual loans 26,392 41,886 34,111

Accruing loans 90 days or more past due 32 282 65

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Total NPAs 39,210 36,105

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and 158 more changes in the filing

Market risk 1 change

Quantitative and qualitative disclosures about market risk are presented in the Company's Annual Report on Form 10-K filed with the SEC for the year ended December 31, 2025, under the heading "Management's Discussion and Analysis of Financial Condition and Results of Operations – Asset/Liability Management and Market Risk". Additional information at June September 30, 2026 is included herein under Item 2, "Management's Discussion and Analysis of Financial Condition and Results of Operations – Liquidity and Asset/Liability Management".

Controls and procedures 1 change

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No change in our internal control over financial reporting (as defined in Rules 13a-15(f) and 15(d)-15(f) under the Securities Exchange Act of 1934) occurred during the second third quarter of 2026 that has materially affected, or is reasonably likely to materially affect, our internal control over financial reporting.

Unregistered sales of stock 9 changes

(c) The Company's purchases of its common stock made during the quarter ended June September 30, 2026 consisted of stock repurchases under the Company's approved plan and are set forth in the following table.

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April 1 – April 30, 2026

May 1 – May 31, 2026

June 1 – June 30, 2026

Total 2,720 $ 66.19 2,720 383,170

July 1 – July 31, 2026

August 1 – August 31, 2026

September 1 – September 30, 2026

Total 350 $ 69.34 350 382,820

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Other information 1 change

(c) During the fiscal quarter ended June September 30, 2026, none of our directors or executive officers adopted , terminated or modified a Rule 10b5-1 trading arrangement or a non-Rule 10b5-1 trading arrangement.

Exhibits 3 changes

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August 3, November 4, 2026 By: /s/ John W. Bordelon

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August 3, November 4, 2026 By: /s/ David T. Kirkley

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August 3, November 4, 2026 By: /s/ Mary H. Hopkins

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