# EDGAR Filing Document

**Accession Number:** 0001436425
**File Stem:** 0001628280-25-045534
**Filing Date:** 2025-10
**Character Count:** 83183
**Document Hash:** 59884077bafe7c19daf663f582f27823
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001628280-25-045534.hdr.sgml**: 20251020

**ACCESSION NUMBER**: 0001628280-25-045534

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 45

**CONFORMED PERIOD OF REPORT**: 20251020

**ITEM INFORMATION**: Results of Operations and Financial Condition

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Other Events

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20251020

**DATE AS OF CHANGE**: 20251020

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** HOME BANCORP, INC.
- **CENTRAL INDEX KEY:** 0001436425
- **STANDARD INDUSTRIAL CLASSIFICATION:** SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 711051785
- **STATE OF INCORPORATION:** LA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-34190
- **FILM NUMBER:** 251404243

**BUSINESS ADDRESS:**
- **STREET 1:** 503 KALISTE SALOOM ROAD
- **CITY:** LAFAYETTE
- **STATE:** LA
- **ZIP:** 70508
- **BUSINESS PHONE:** (337) 237-1960

**MAIL ADDRESS:**
- **STREET 1:** 503 KALISTE SALOOM ROAD
- **CITY:** LAFAYETTE
- **STATE:** LA
- **ZIP:** 70508

?xml version='1.0' encoding='ASCII'? hbcp-20251020

**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) <u>October 20, 2025</u>

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

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| | | |
|:---|:---|:---|
| 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 <br> (Address of principal executive offices) (Zip Code)

Registrant's telephone number, including area code <u>(337) 237-1960</u>

N/A <br> (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 <br> <u>Common Stock</u> <u>HBCP</u> <u>Nasdaq Stock Market</u>

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. ◻

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| | |
|:---|:---|
| **Item 2.02** | **<u>Results of Operations and Financial Condition</u>** |

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On October 20, 2025, the Registrant announced its results of operations for the quarter ended September 30, 2025. 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.

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| | |
|:---|:---|
| **Item 7.01** | **<u>Regulation FD Disclosure</u>** |

---

On October 20, 2025, 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.

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| | |
|:---|:---|
| **Item 8.01** | **<u>Other Events</u>** |

---

On October 20, 2025, the Registrant announced that its Board of Directors declared a quarterly cash dividend on shares of its common stock of $0.31 per share. The cash dividend will be paid on November 14, 2025 to shareholders of record at the close of business on November 3, 2025.

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| | |
|:---|:---|
| **Item 9.01** | **<u>Financial Statements and Exhibits</u>** |

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(a)Not applicable.

(b)Not applicable.

(c)Not applicable.

(d)Exhibits

The following exhibit is filed herewith.

---

| | |
|:---|:---|
| Exhibit Number | Description |
| <u>[99.1](a2025q3earningsrelease.htm)</u> | <u>[Press Release - Results of Operations and Financial Condition, dated](a2025q3earningsrelease.htm)[October 20](a2025q3earningsrelease.htm)[, 2025](a2025q3earningsrelease.htm)</u> |
| <u>[99.2](investorpresentationq320.htm)</u> | <u>[Home Bancorp, Inc. Investor Presentation - Q](investorpresentationq320.htm)[3](investorpresentationq320.htm)[2025 Results](investorpresentationq320.htm)</u> |
| 104 | The cover page of Home Bancorp Inc.'s Form 8-K is formatted in Inline XBRL. |

---

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**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.** | **HOME BANCORP, INC.** |
| Date: October 20, 2025 | By: | /s/ John W. Bordelon |
|  |  | John W. Bordelon |
|  |  | Chairman of the Board, President and Chief Executive Officer |

---

## Exhibit 99.1

![homebancorp.jpg](homebancorp.jpg)

For further information contact:

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

(337) 237-1960

Release Date: October 20, 2025 <br> For Immediate Release

**HOME BANCORP, INC. ANNOUNCES 2025 THIRD QUARTER RESULTS** 

**AND INCREASES QUARTERLY DIVIDEND BY 7%**

Lafayette, Louisiana – Home Bancorp, Inc. (Nasdaq: "HBCP") (the "Company"), the parent company for Home Bank, N.A. (the "Bank") (<u>www.home24bank.com</u>), reported financial results for the third quarter of 2025. For the quarter, the Company reported net income of $12.4 million, or $1.59 per diluted common share ("diluted EPS"), up $1.0 million from $11.3 million, or $1.45 diluted EPS, for the second quarter of 2025.

"Our third quarter results reflect continued strength and stability of the Company," said John W. Bordelon, President and Chief Executive Officer of the Company and the Bank. "While loan production was slower during the quarter, deposit growth improved reducing our loan to deposit ratio down to our target of 91%. Financial performance remained strong with ROA of 1.41% and a six-basis point NIM expansion to 4.10% for the quarter. Credit metrics reflect an increase in nonperforming and criticized loans during the quarter, but we do not anticipate any losses. We remain focused on proactively identifying and resolving problem loans as quickly as possible."

**Third Quarter 2025 Highlights**

• Loans totaled $2.7 billion at September 30, 2025, down $58.6 million, or 2.1% (a decrease of 8% on an annualized basis), from June 30, 2025.

• Deposits totaled $3.0 billion at September 30, 2025, up $67.3 million, or 2.3% (an increase of 9% on an annualized basis), from June 30, 2025.

• Net interest income in the third quarter of 2025 totaled $34.1 million, up $755,000, or 2%, from the prior quarter.

• The net interest margin ("NIM") was 4.10% in the third quarter of 2025 compared to 4.04% in the second quarter of 2025.

• Nonperforming assets totaled $30.9 million, or 0.88% of total assets, at September 30, 2025 compared to $25.4 million, or 0.73% of total assets, at June 30, 2025. This increase in nonperforming assets is primarily due to five loan relationships which were moved to nonaccrual status, partially offset by paydowns in the third quarter of 2025.

• The Company recorded a $229,000 reversal to provision to the allowance for loan losses in the third quarter of 2025, compared to a $489,000 provision in the second quarter of 2025, primarily due to loan reduction which was partially offset by an increase in nonaccrual loans during the quarter.

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&nbsp;&nbsp;&nbsp;&nbsp;

**Loans**

Loans totaled $2.7 billion at September 30, 2025, down $58.6 million, or 2.1%, from June 30, 2025. The following table summarizes the changes in the Company's loan portfolio, net of unearned income, from June 30, 2025 through September 30, 2025.

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| | | | | |
|:---|:---|:---|:---|:---|
| ***(dollars in thousands)*** | **9/30/2025** | **6/30/2025** | **Increase (Decrease)** | **Increase (Decrease)** |
| **Real estate loans:** |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;One- to four-family first mortgage | $490600 | $504145 | $(13545) | (3)% |
| &nbsp;&nbsp;&nbsp;&nbsp;Home equity loans and lines | 86885 | 81178 | 5707 | 7 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial real estate | 1175384 | 1218168 | (42784) | (4) |
| &nbsp;&nbsp;&nbsp;&nbsp;Construction and land | 325725 | 324574 | 1151 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Multi-family residential | 184022 | 183809 | 213 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total real estate loans | 2262616 | 2311874 | (49258) | (2) |
| **Other loans:** |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial | 413590 | 421997 | (8407) | (2) |
| &nbsp;&nbsp;&nbsp;&nbsp;Consumer | 29689 | 30667 | (978) | (3) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total other loans | 443279 | 452664 | (9385) | (2) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total loans | $2705895 | $2764538 | $(58643) | (2)% |

---

The average loan yield was 6.53% for the third quarter of 2025, up 3 basis points from the second quarter of 2025. Yields on loans were impacted by higher rates on new loans and loans paying off at lower rates. We experienced a slow down in loan production and higher than usual pay downs resulting in loan reduction across most of our markets in the third quarter of 2025.

**Credit Quality and Allowance for Credit Losses** 

Nonperforming assets ("NPAs") totaled $30.9 million, or 0.88% of total assets, at September 30, 2025, up $5.5 million, or 22%, from $25.4 million, or 0.73% of total assets, at June 30, 2025. The increase in NPAs during the third quarter of 2025 was primarily due to five loan relationships totaling $9.4 million which were put on nonaccrual during the quarter, offset by payoffs and paydowns. During the third quarter of 2025, the Company recorded net loan charge-offs of $376,000, compared to net loan charge-offs of $335,000 during the second quarter of 2025.

The Company reversed the provision to the allowance for loan losses in the amount of $229,000 in the third quarter of 2025. At September 30, 2025, the allowance for loan losses totaled $32.8 million, or 1.21% of total loans, compared to $33.4 million, or 1.21% of total loans, at June 30, 2025. Provisions to the allowance for loan losses are based upon, among other factors, our estimation of current expected losses in our loan portfolio, which we evaluate on a quarterly basis. Changes in expected losses consider various factors including the changing economic activity, borrower specific information impacting changes in risk ratings, projected delinquencies and the impact of industry-wide loan modification efforts, among other factors.

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&nbsp;&nbsp;&nbsp;&nbsp;

The following tables present the Company's loan portfolio by credit quality classification as of September 30, 2025 and June 30, 2025.

---

| | | | | |
|:---|:---|:---|:---|:---|
| | **September 30, 2025** | **September 30, 2025** | **September 30, 2025** | **September 30, 2025** |
|<br>***(dollars in thousands)*** | **Pass** | **Special Mention** | **Substandard** | **Total** |
| &nbsp;&nbsp;One- to four-family first mortgage | $483737 | $— | $6863 | $490600 |
| &nbsp;&nbsp;Home equity loans and lines | 85877 |  | 1008 | 86885 |
| &nbsp;&nbsp;Commercial real estate | 1140742 | 3067 | 31575 | 1175384 |
| &nbsp;&nbsp;Construction and land | 314986 | 892 | 9847 | 325725 |
| &nbsp;&nbsp;Multi-family residential | 182731 |  | 1291 | 184022 |
| &nbsp;&nbsp;Commercial and industrial | 406591 |  | 6999 | 413590 |
| &nbsp;&nbsp;Consumer | 29629 |  | 60 | 29689 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total | $2644293 | $3959 | $57643 | $2705895 |
|  | **June 30, 2025** | **June 30, 2025** | **June 30, 2025** | **June 30, 2025** |
| ***(dollars in thousands)*** | **Pass** | **Special Mention** | **Substandard** | **Total** |
| &nbsp;&nbsp;One- to four-family first mortgage | $497404 | $— | $6741 | $504145 |
| &nbsp;&nbsp;Home equity loans and lines | 80145 |  | 1033 | 81178 |
| &nbsp;&nbsp;Commercial real estate | 1185738 | 1063 | 31367 | 1218168 |
| &nbsp;&nbsp;Construction and land | 317593 | 749 | 6232 | 324574 |
| &nbsp;&nbsp;Multi-family residential | 182572 |  | 1237 | 183809 |
| &nbsp;&nbsp;Commercial and industrial | 418831 |  | 3166 | 421997 |
| &nbsp;&nbsp;Consumer | 30632 |  | 35 | 30667 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total | $2712915 | $1812 | $49811 | $2764538 |

---

**Investment Securities**

The Company's investment securities portfolio totaled $384.4 million at September 30, 2025, a decrease of $10.1 million, or 3%, from June 30, 2025. At September 30, 2025, the Company had a net unrealized loss position on its investment securities of $26.5 million, compared to a net unrealized loss of $30.2 million at June 30, 2025. The Company's investment securities portfolio had an effective duration of 3.5 years and 3.6 years at September 30, 2025 and June 30, 2025, respectively. During the third quarter of 2025, the Company made securities purchases of $4.3 million, compared to $4.5 million during the second quarter of 2025. The Company had no securities sales during the third and second quarters of 2025.

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&nbsp;&nbsp;&nbsp;&nbsp;

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

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| | | |
|:---|:---|:---|
| ***(dollars in thousands)*** | **Amortized Cost** | **Fair Value** |
| &nbsp;&nbsp;**Available for sale:** | | |
| &nbsp;&nbsp;&nbsp;&nbsp;U.S. agency mortgage-backed | $277168 | $257870 |
| &nbsp;&nbsp;&nbsp;&nbsp;Collateralized mortgage obligations | 63606 | 62465 |
| &nbsp;&nbsp;&nbsp;&nbsp;Municipal bonds | 53130 | 47810 |
| &nbsp;&nbsp;&nbsp;&nbsp;U.S. government agency | 11448 | 10951 |
| &nbsp;&nbsp;&nbsp;&nbsp;Corporate bonds | 4490 | 4244 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total available for sale | $409842 | $383340 |
| &nbsp;&nbsp;**Held to maturity:** |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Municipal bonds | $1065 | $1066 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total held to maturity | $1065 | $1066 |

---

Approximately 36% of the investment securities portfolio was pledged as of September 30, 2025 to secure public deposits. The Company had $140.2 million and $141.7 million of securities pledged to secure public deposits at September 30, 2025 and June 30, 2025, respectively.

**Deposits**

Total deposits were $3.0 billion at September 30, 2025, up $67.3 million, or 2%, from June 30, 2025. Non-maturity deposits increased $52.6 million, or 3%, during the third quarter of 2025 to $2.1 billion. The following table summarizes the changes in the Company's deposits from June 30, 2025 to September 30, 2025.

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| | | | | |
|:---|:---|:---|:---|:---|
| ***(dollars in thousands)*** | **9/30/2025** | **6/30/2025** | **Increase (Decrease)** | **Increase (Decrease)** |
| Demand deposits | $801974 | $796844 | $5130 | 1% |
| Savings | 200135 | 204191 | (4056) | (2) |
| Money market | 499404 | 463332 | 36072 | 8 |
| NOW | 641204 | 625793 | 15411 | 2 |
| Certificates of deposit | 832786 | 818074 | 14712 | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total deposits | $2975503 | $2908234 | $67269 | 2% |

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The average rate on interest-bearing deposits increased 5 basis point from 2.52% for the second quarter of 2025 to 2.57% for the third quarter of 2025. At September 30, 2025, certificates of deposit maturing within the next 12 months totaled $810.5 million.

We obtain most of our deposits from individuals, small businesses and public funds in our market areas. The following table presents our deposits per customer type for the periods indicated.

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| | | |
|:---|:---|:---|
| | **September 30, 2025** | **June 30, 2025** |
| Individuals | 52% | 52% |
| Small businesses | 39 | 38 |
| Public funds | 6 | 7 |
| Broker | 3 | 3 |
| Total | 100% | 100% |

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The total amounts of our uninsured deposits (deposits in excess of $250,000, as calculated in accordance with FDIC regulations) were $894.8 million at September 30, 2025 and $887.9 million at June 30, 2025. Public funds in excess of the FDIC insurance limits are fully collateralized.

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&nbsp;&nbsp;&nbsp;&nbsp;

**Net Interest Income**

The net interest margin ("NIM") increased 6 basis points from 4.04% for the second quarter of 2025 to 4.10% for the third quarter of 2025, primarily due to an increase in average yield on interest-earnings assets and a decline in the average balance and cost for interest-bearing liabilities.

The average cost of interest-bearing deposits increased by 5 basis point in the third quarter of 2025 compared to the second quarter of 2025. The increase in deposit costs was primarily due to a shift in higher cost certificates of deposit and money market accounts and a decrease in lower cost checking and savings accounts.

Average other interest-earning assets were $99.7 million for the third quarter of 2025, up $28.6 million, or 40%, from the second quarter of 2025, primarily due to an increase in the average balance of cash and cash equivalents.

Average FHLB advances were $39.4 million for the third quarter of 2025, a decrease of $74.6 million, or 65%, from the second quarter of 2025 due to paydowns of FHLB advances.

Loan accretion income from acquired loans totaled $347,000 for the third quarter of 2025, down $9,000, or 3%, from the second quarter of 2025.

**Noninterest Income**

Noninterest income for the third quarter of 2025 totaled $3.7 million, up $22,000, or 1%, from the second quarter of 2025. The increase was related primarily to increases in service fees and charges (up $63,000), gain on sale of loans (up $30,000) and other income (up $25,000), which were partially offset by a decrease in bank card fees (down $104,000) for the third quarter of 2025 compared to the second quarter of 2025.

**Noninterest Expense**

Noninterest expense for the third quarter of 2025 totaled $22.5 million, up $124,000, or 1%, from the second quarter of 2025. The increase was primarily related to the absence of a reversal to the allowance for credit losses on unfunded commitments ($970,000) in the second quarter of 2025 and an increase in compensation and benefits expense (up $209,000), which were partially offset by decreases in other expenses (down $956,000) primarily due to a write off of an acquired SBA accounts receivable for guarantees that occurred in the second quarter of 2025 and data processing and communications (down $72,000) during the third quarter of 2025.

**Capital** 

At September 30, 2025, shareholders' equity totaled $423.0 million, up $14.2 million, or 3%, compared to $408.8 million at June 30, 2025. The increase was primarily due to the Company's earnings of $12.4 million and a decrease in the accumulated other comprehensive loss on available for sale investment securities during the third quarter of 2025, which was partially offset by shareholder dividends. Preliminary Tier 1 leverage capital and total risk-based capital ratios were 11.90% and 15.24%, respectively, at September 30, 2025, compared to 11.47% and 14.66%, respectively, at June 30, 2025.

**Dividend and Share Repurchases**

The Company announces that its Board of Directors declared a quarterly cash dividend on shares of its common stock of $0.31 per share (an increase of 7% from the previous quarterly cash dividend) payable on November 14, 2025, to shareholders of record as of November 3, 2025.

The Company repurchased 100 shares of its common stock during the third quarter of 2025 at an average price per share of $52.29. An additional 390,972 shares remain eligible for purchase under the 2025 Repurchase Plan. The book value per

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&nbsp;&nbsp;&nbsp;&nbsp;

share and tangible book value per share of the Company's common stock was $54.05 and $43.29, respectively, at September 30, 2025.

**Conference Call**

Executive management will host a conference call to discuss third quarter 2025 results on Tuesday, October 21, 2025 at 10:30 a.m. CDT. Analysts, investors and interested parties may attend the conference call by dialing toll free 1.646.357.8785 (US Local/International) or 1.800.836.8184 (US Toll Free). The investor presentation can be accessed on the day of the presentation on the Home Bancorp, Inc. website at https://home24bank.investorroom.com.

A replay of the conference call and a transcript of the call will be posted to the Investor Relations page of the Company's website, https://home24bank.investorroom.com.

**Non-GAAP Reconciliation**

*This news release contains financial information determined by methods other than in accordance with generally accepted accounting principles ("GAAP"). The Company's management uses this non-GAAP financial information in its analysis of the Company's performance. In this news release, information is included which excludes intangible assets. Management believes the presentation of this non-GAAP financial information provides useful information that is helpful to a full understanding of the Company's financial position and operating results. This non-GAAP financial information should not be viewed as a substitute for financial information determined in accordance with GAAP, nor is it necessarily comparable to non-GAAP financial information presented by other companies. A reconciliation on non-GAAP information included herein to GAAP is presented below.*

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** | **Quarter Ended** |
| <br>***(dollars in thousands, except per share data)*** | **9/30/2025** | **6/30/2025** | **3/31/2025** | **12/31/2024** | **9/30/2024** |
| Reported net income | $12357 | $11330 | $10964 | $9673 | $9437 |
| Add: Core deposit intangible amortization, net tax | 212 | 213 | 231 | 250 | 259 |
| Non-GAAP tangible income | $12569 | $11543 | $11195 | $9923 | $9696 |
| Total assets | $3494074 | $3491455 | $3485453 | $3443668 | $3441990 |
| Less: Intangible assets | 84214 | 84482 | 84751 | 85044 | 85361 |
| Non-GAAP tangible assets | $3409860 | $3406973 | $3400702 | $3358624 | $3356629 |
| Total shareholders' equity | $423044 | $408818 | $402831 | $396088 | $393453 |
| Less: Intangible assets | 84214 | 84482 | 84751 | 85044 | 85361 |
| Non-GAAP tangible shareholders' equity | $338830 | $324336 | $318080 | $311044 | $308092 |
| Return on average equity | 11.78% | 11.24% | 11.02% | 9.71% | 9.76% |
| Add: Average intangible assets | 3.24 | 3.24 | 3.23 | 2.99 | 3.14 |
| Non-GAAP return on average tangible common equity | 15.02% | 14.48% | 14.25% | 12.70% | 12.90% |
| Common equity ratio | 12.11% | 11.71% | 11.56% | 11.50% | 11.43% |
| Less: Intangible assets | 2.17 | 2.19 | 2.21 | 2.24 | 2.25 |
| Non-GAAP tangible common equity ratio | 9.94% | 9.52% | 9.35% | 9.26% | 9.18% |
| Book value per share | $54.05 | $52.36 | $50.82 | $48.95 | $48.75 |
| Less: Intangible assets | 10.76 | 10.82 | 10.69 | 10.51 | 10.58 |
| Non-GAAP tangible book value per share | $43.29 | $41.54 | $40.13 | $38.44 | $38.17 |

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&nbsp;&nbsp;&nbsp;&nbsp;

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

*Forward-looking statements, by their nature, are subject to risks and uncertainties. A number of factors - many of which are beyond our control - could cause actual conditions, events or results to differ significantly from those described in the forward-looking statements. Home Bancorp's Annual Report on Form 10-K for the year ended December 31, 2024 describes some of these factors, including risk elements in the loan portfolio, risks related to our deposit activities, the level of the allowance for credit losses, risks of our growth strategy, geographic concentration of our business, dependence on our management team, risks of market rates of interest and of regulation on our business and risks of competition. Forward-looking statements speak only as of the date they are made. We do not undertake to update forward-looking statements to reflect circumstances or events that occur after the date the forward-looking statements are made or to reflect the occurrence of unanticipated events.*

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&nbsp;&nbsp;&nbsp;&nbsp;

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **HOME BANCORP, INC. AND SUBSIDIARY** | **HOME BANCORP, INC. AND SUBSIDIARY** | **HOME BANCORP, INC. AND SUBSIDIARY** | **HOME BANCORP, INC. AND SUBSIDIARY** | **HOME BANCORP, INC. AND SUBSIDIARY** | **HOME BANCORP, INC. AND SUBSIDIARY** |
| **CONDENSED STATEMENTS OF FINANCIAL CONDITION** | **CONDENSED STATEMENTS OF FINANCIAL CONDITION** | **CONDENSED STATEMENTS OF FINANCIAL CONDITION** | **CONDENSED STATEMENTS OF FINANCIAL CONDITION** | **CONDENSED STATEMENTS OF FINANCIAL CONDITION** | **CONDENSED STATEMENTS OF FINANCIAL CONDITION** |
| **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** |
| ***(dollars in thousands)*** | **9/30/2025** | **6/30/2025** | **3/31/2025** | **12/31/2024** | **9/30/2024** |
| **Assets** | | | | | |
| &nbsp;&nbsp;Cash and cash equivalents | $189324 | $112595 | $110662 | $98548 | $135877 |
| &nbsp;&nbsp;Investment securities available for sale, at fair value | 383340 | 393462 | 400553 | 402792 | 420723 |
| &nbsp;&nbsp;Investment securities held to maturity | 1065 | 1065 | 1065 | 1065 | 1065 |
| &nbsp;&nbsp;Mortgage loans held for sale | 1932 | 1305 | 1855 | 832 | 242 |
| &nbsp;&nbsp;Loans, net of unearned income | 2705895 | 2764538 | 2747277 | 2718185 | 2668286 |
| &nbsp;&nbsp;Allowance for loan losses | (32827) | (33432) | (33278) | (32916) | (32278) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total loans, net of allowance for loan losses | 2673068 | 2731106 | 2713999 | 2685269 | 2636008 |
| &nbsp;&nbsp;Office properties and equipment, net | 45223 | 45216 | 45327 | 42324 | 42659 |
| &nbsp;&nbsp;Cash surrender value of bank-owned life insurance | 49269 | 48981 | 48699 | 48421 | 48139 |
| &nbsp;&nbsp;Goodwill and core deposit intangibles | 84214 | 84482 | 84751 | 85044 | 85361 |
| &nbsp;&nbsp;Accrued interest receivable and other assets | 66639 | 73243 | 78542 | 79373 | 71916 |
| **Total Assets** | $3494074 | $3491455 | $3485453 | $3443668 | $3441990 |
| **Liabilities** |  |  |  |  |  |
| &nbsp;&nbsp;Deposits | $2975503 | $2908234 | $2827207 | $2780696 | $2777487 |
| &nbsp;&nbsp;Other Borrowings | 5539 | 5539 | 5539 | 5539 | 140539 |
| &nbsp;&nbsp;Subordinated debt, net of issuance cost | 54621 | 54567 | 54513 | 54459 | 54402 |
| &nbsp;&nbsp;Federal Home Loan Bank advances | 3059 | 88196 | 163259 | 175546 | 38410 |
| &nbsp;&nbsp;Accrued interest payable and other liabilities | 32308 | 26101 | 32104 | 31340 | 37699 |
| **Total Liabilities** | 3071030 | 3082637 | 3082622 | 3047580 | 3048537 |
| **Shareholders' Equity** |  |  |  |  |  |
| &nbsp;&nbsp;Common stock | 78 | 78 | 79 | 81 | 81 |
| &nbsp;&nbsp;Additional paid-in capital | 168016 | 166576 | 167231 | 168138 | 166743 |
| &nbsp;&nbsp;Common stock acquired by benefit plans | (1071) | (1160) | (1250) | (1339) | (1428) |
| &nbsp;&nbsp;Retained earnings | 275912 | 265817 | 261856 | 259190 | 251692 |
| &nbsp;&nbsp;Accumulated other comprehensive loss | (19891) | (22493) | (25085) | (29982) | (23635) |
| **Total Shareholders' Equity** | 423044 | 408818 | 402831 | 396088 | 393453 |
| **Total Liabilities and Shareholders' Equity** | $3494074 | $3491455 | $3485453 | $3443668 | $3441990 |

---

------

&nbsp;&nbsp;&nbsp;&nbsp;

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **HOME BANCORP, INC. AND SUBSIDIARY** | **HOME BANCORP, INC. AND SUBSIDIARY** | **HOME BANCORP, INC. AND SUBSIDIARY** | **HOME BANCORP, INC. AND SUBSIDIARY** | **HOME BANCORP, INC. AND SUBSIDIARY** | **HOME BANCORP, INC. AND SUBSIDIARY** |
| **CONDENSED STATEMENTS OF INCOME** | **CONDENSED STATEMENTS OF INCOME** | **CONDENSED STATEMENTS OF INCOME** | **CONDENSED STATEMENTS OF INCOME** | **CONDENSED STATEMENTS OF INCOME** | **CONDENSED STATEMENTS OF INCOME** |
| **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** |
| | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Nine Months Ended** | **Nine Months Ended** |
| ***(dollars in thousands, except per share data)*** | **9/30/2025** | **6/30/2025** | **9/30/2024** | **9/30/2025** | **9/30/2024** |
| **Interest Income** | | | | | |
| &nbsp;&nbsp;&nbsp;&nbsp;Loans, including fees | $45607 | $45287 | $43711 | $134926 | $126277 |
| &nbsp;&nbsp;&nbsp;&nbsp;Investment securities | 2504 | 2596 | 2677 | 7764 | 8205 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other investments and deposits | 1111 | 746 | 991 | 2362 | 2481 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest income | 49222 | 48629 | 47379 | 145052 | 136963 |
| **Interest Expense** |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Deposits | 13805 | 13142 | 13908 | 39569 | 39174 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other borrowings | 54 | 53 | 1673 | 160 | 4815 |
| &nbsp;&nbsp;&nbsp;&nbsp;Subordinated debt expense | 845 | 844 | 844 | 2534 | 2533 |
| &nbsp;&nbsp;&nbsp;&nbsp;Federal Home Loan Bank advances | 412 | 1239 | 572 | 3583 | 1765 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest expense | 15116 | 15278 | 16997 | 45846 | 48287 |
| **Net interest income** | 34106 | 33351 | 30382 | 99206 | 88676 |
| (Reversal) provision for loan losses | (229) | 489 | 140 | 654 | 1542 |
| Net interest income after (reversal) provision for loan losses | 34335 | 32862 | 30242 | 98552 | 87134 |
| **Noninterest Income** |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Service fees and charges | 1408 | 1345 | 1291 | 4062 | 3784 |
| &nbsp;&nbsp;&nbsp;&nbsp;Bank card fees | 1646 | 1750 | 1613 | 4974 | 4939 |
| &nbsp;&nbsp;&nbsp;&nbsp;Gain on sale of loans, net | 144 | 114 | 195 | 635 | 408 |
| &nbsp;&nbsp;&nbsp;&nbsp;Income from bank-owned life insurance | 288 | 282 | 281 | 848 | 818 |
| &nbsp;&nbsp;&nbsp;&nbsp;(Loss) gain on sale of assets, net |  | (2) | (10) | 7 | (6) |
| &nbsp;&nbsp;&nbsp;&nbsp;Other income | 252 | 227 | 322 | 937 | 1053 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total noninterest income | 3738 | 3716 | 3692 | 11463 | 10996 |
| **Noninterest Expense** |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Compensation and benefits | 13531 | 13322 | 13058 | 39505 | 38016 |
| &nbsp;&nbsp;&nbsp;&nbsp;Occupancy | 2544 | 2513 | 2732 | 7618 | 7789 |
| &nbsp;&nbsp;&nbsp;&nbsp;Marketing and advertising | 515 | 461 | 382 | 1405 | 1333 |
| &nbsp;&nbsp;&nbsp;&nbsp;Data processing and communication | 2556 | 2628 | 2646 | 7826 | 7715 |
| &nbsp;&nbsp;&nbsp;&nbsp;Professional fees | 406 | 396 | 450 | 1207 | 1506 |
| &nbsp;&nbsp;&nbsp;&nbsp;Forms, printing and supplies | 175 | 203 | 188 | 578 | 580 |
| &nbsp;&nbsp;&nbsp;&nbsp;Franchise and shares tax | 475 | 483 | 488 | 1434 | 1463 |
| &nbsp;&nbsp;&nbsp;&nbsp;Regulatory fees | 459 | 502 | 493 | 1477 | 1471 |
| &nbsp;&nbsp;&nbsp;&nbsp;Foreclosed assets, net | 377 | 419 | 62 | 1023 | 216 |
| &nbsp;&nbsp;&nbsp;&nbsp;Amortization of acquisition intangible | 268 | 269 | 328 | 830 | 1011 |
| &nbsp;&nbsp;&nbsp;&nbsp;Reversal for credit losses on unfunded commitments |  | (970) |  | (970) | (134) |
| &nbsp;&nbsp;&nbsp;&nbsp;Other expenses | 1225 | 2181 | 1431 | 4584 | 3968 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total noninterest expense | 22531 | 22407 | 22258 | 66517 | 64934 |
| Income before income tax expense | 15542 | 14171 | 11676 | 43498 | 33196 |
| Income tax expense | 3185 | 2841 | 2239 | 8847 | 6442 |
| **Net income** | $12357 | $11330 | $9437 | $34651 | $26754 |
| Earnings per share - basic | $1.60 | $1.47 | $1.19 | $4.45 | $3.36 |
| Earnings per share - diluted | $1.59 | $1.45 | $1.18 | $4.41 | $3.34 |
| Cash dividends declared per common share | $0.29 | $0.27 | $0.25 | $0.83 | $0.75 |

---

------

&nbsp;&nbsp;&nbsp;&nbsp;

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **HOME BANCORP, INC. AND SUBSIDIARY** | **HOME BANCORP, INC. AND SUBSIDIARY** | **HOME BANCORP, INC. AND SUBSIDIARY** | **HOME BANCORP, INC. AND SUBSIDIARY** | **HOME BANCORP, INC. AND SUBSIDIARY** | **HOME BANCORP, INC. AND SUBSIDIARY** |
| **SUMMARY FINANCIAL INFORMATION** | **SUMMARY FINANCIAL INFORMATION** | **SUMMARY FINANCIAL INFORMATION** | **SUMMARY FINANCIAL INFORMATION** | **SUMMARY FINANCIAL INFORMATION** | **SUMMARY FINANCIAL INFORMATION** |
| **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** |
| | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Nine Months Ended** | **Nine Months Ended** |
| ***(dollars in thousands, except per share data)*** | **9/30/2025** | **6/30/2025** | **9/30/2024** | **9/30/2025** | **9/30/2024** |
| **EARNINGS DATA** | | | | | |
| &nbsp;&nbsp;Total interest income | $49222 | $48629 | $47379 | $145052 | $136963 |
| &nbsp;&nbsp;Total interest expense | 15116 | 15278 | 16997 | 45846 | 48287 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest income | 34106 | 33351 | 30382 | 99206 | 88676 |
| (Reversal) provision for loan losses | (229) | 489 | 140 | 654 | 1542 |
| &nbsp;&nbsp;Total noninterest income | 3738 | 3716 | 3692 | 11463 | 10996 |
| &nbsp;&nbsp;Total noninterest expense | 22531 | 22407 | 22258 | 66517 | 64934 |
| &nbsp;&nbsp;Income tax expense | 3185 | 2841 | 2239 | 8847 | 6442 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net income | $12357 | $11330 | $9437 | $34651 | $26754 |
| **AVERAGE BALANCE SHEET DATA** |  |  |  |  |  |
| &nbsp;&nbsp;Total assets | $3467070 | $3474762 | $3405083 | $3463833 | $3368857 |
| &nbsp;&nbsp;Total interest-earning assets | 3255291 | 3261733 | 3202364 | 3252602 | 3167518 |
| &nbsp;&nbsp;Total loans | 2743695 | 2764065 | 2668672 | 2750985 | 2641414 |
| &nbsp;&nbsp;PPP loans | 235 | 330 | 4470 | 624 | 5004 |
| &nbsp;&nbsp;Total interest-bearing deposits | 2128540 | 2087781 | 1989182 | 2085330 | 1964095 |
| &nbsp;&nbsp;Total interest-bearing liabilities | 2228117 | 2261916 | 2240838 | 2256278 | 2212453 |
| &nbsp;&nbsp;Total deposits | 2918938 | 2863683 | 2730568 | 2852176 | 2709555 |
| &nbsp;&nbsp;Total shareholders' equity | 416239 | 404367 | 384518 | 408083 | 376170 |
| **PER SHARE DATA** |  |  |  |  |  |
| &nbsp;&nbsp;Earnings per share - basic | $1.60 | $1.47 | $1.19 | $4.45 | $3.36 |
| &nbsp;&nbsp;Earnings per share - diluted | 1.59 | 1.45 | 1.18 | 4.41 | 3.34 |
| &nbsp;&nbsp;Book value at period end | 54.05 | 52.36 | 48.75 | 54.05 | 48.75 |
| &nbsp;&nbsp;Tangible book value at period end | 43.29 | 41.54 | 38.17 | 43.29 | 38.17 |
| &nbsp;&nbsp;Shares outstanding at period end | 7827481 | 7808421 | 8070539 | 7827481 | 8070539 |
| &nbsp;&nbsp;Weighted average shares outstanding |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Basic | 7712707 | 7707423 | 7921582 | 7789001 | 7959309 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Diluted | 7782979 | 7781021 | 7966957 | 7862712 | 8008305 |
| **SELECTED RATIOS** <sup>(1)</sup> |  |  |  |  |  |
| Return on average assets | 1.41% | 1.31% | 1.10% | 1.34% | 1.06% |
| Return on average equity | 11.78 | 11.24 | 9.76 | 11.35 | 9.50 |
| Common equity ratio | 12.11 | 11.71 | 11.43 | 12.11 | 11.43 |
| Efficiency ratio <sup>(2)</sup> | 59.54 | 60.45 | 65.32 | 60.10 | 65.15 |
| Average equity to average assets | 12.01 | 11.64 | 11.29 | 11.78 | 11.17 |
| Tier 1 leverage capital ratio <sup>(3)</sup>  | 11.90 | 11.47 | 11.32 | 11.90 | 11.32 |
| Total risk-based capital ratio <sup>(3)</sup>  | 15.24 | 14.66 | 14.74 | 15.24 | 14.74 |
| Net interest margin <sup>(4)</sup> | 4.10 | 4.04 | 3.71 | 4.02 | 3.67 |
| **SELECTED NON-GAAP RATIOS** <sup>(1)</sup> |  |  |  |  |  |
| Tangible common equity ratio <sup>(5)</sup> | 9.94% | 9.52% | 9.18% | 9.94% | 9.18% |
| Return on average tangible common equity <sup>(6)</sup>  | 15.02 | 14.48 | 12.90 | 14.59 | 12.68 |

---

------

&nbsp;&nbsp;&nbsp;&nbsp;

&nbsp;&nbsp;&nbsp;&nbsp;(1)With the exception of end-of-period ratios, all ratios are based on average daily balances during the respective periods.

&nbsp;&nbsp;&nbsp;&nbsp;(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.

&nbsp;&nbsp;&nbsp;&nbsp;(3)Capital ratios are preliminary end-of-period ratios for the Bank only and are subject to change.

&nbsp;&nbsp;&nbsp;&nbsp;(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%.

&nbsp;&nbsp;&nbsp;&nbsp;(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.

&nbsp;&nbsp;&nbsp;&nbsp;(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.

------

&nbsp;&nbsp;&nbsp;&nbsp;

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **HOME BANCORP, INC. AND SUBSIDIARY** | **HOME BANCORP, INC. AND SUBSIDIARY** | **HOME BANCORP, INC. AND SUBSIDIARY** | **HOME BANCORP, INC. AND SUBSIDIARY** | **HOME BANCORP, INC. AND SUBSIDIARY** | **HOME BANCORP, INC. AND SUBSIDIARY** | **HOME BANCORP, INC. AND SUBSIDIARY** | **HOME BANCORP, INC. AND SUBSIDIARY** | **HOME BANCORP, INC. AND SUBSIDIARY** | **HOME BANCORP, INC. AND SUBSIDIARY** |
| **Consolidated Net Interest Margin** | **Consolidated Net Interest Margin** | **Consolidated Net Interest Margin** | **Consolidated Net Interest Margin** | **Consolidated Net Interest Margin** | **Consolidated Net Interest Margin** | **Consolidated Net Interest Margin** | **Consolidated Net Interest Margin** | **Consolidated Net Interest Margin** | **Consolidated Net Interest Margin** |
| **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** |
|  | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** |
|  | **9/30/2025** | **9/30/2025** | **9/30/2025** | **6/30/2025** | **6/30/2025** | **6/30/2025** | **9/30/2024** | **9/30/2024** | **9/30/2024** |
| ***(dollars in thousands)*** | **Average Balance** | **Interest** | **Average Yield/ Rate** | **Average Balance** | **Interest** | **Average Yield/ Rate** | **Average Balance** | **Interest** | **Average Yield/ Rate** |
| **Interest-earning assets:** |  |  |  |  |  |  | | | |
| &nbsp;&nbsp;Loans receivable | $2743695 | $45607 | 6.53% | $2764065 | $45287 | 6.50% | $2668672 | $43711 | 6.43% |
| &nbsp;&nbsp;Investment securities (TE)<sup>(1)</sup> | 411889 | 2504 | 2.45 | 426601 | 2596 | 2.45 | 454024 | 2677 | 2.38 |
| &nbsp;&nbsp;Other interest-earning assets | 99707 | 1111 | 4.42 | 71067 | 746 | 4.21 | 79668 | 991 | 4.95 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest-earning assets | $3255291 | $49222 | 5.95% | $3261733 | $48629 | 5.92% | $3202364 | $47379 | 5.82% |
| **Interest-bearing liabilities:** |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;Deposits: |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Savings, checking, and money market | $1301888 | $5783 | 1.76% | $1296541 | $5531 | 1.71% | $1266465 | $5571 | 1.75% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Certificates of deposit | 826652 | 8022 | 3.85 | 791240 | 7611 | 3.86 | 722717 | 8337 | 4.59 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest-bearing deposits | 2128540 | 13805 | 2.57 | 2087781 | 13142 | 2.52 | 1989182 | 13908 | 2.78 |
| &nbsp;&nbsp;Other borrowings | 5539 | 54 | 3.80 | 5572 | 53 | 3.84 | 140539 | 1673 | 4.74 |
| &nbsp;&nbsp;Subordinated debt | 54593 | 845 | 6.19 | 54540 | 844 | 6.20 | 54374 | 844 | 6.21 |
| &nbsp;&nbsp;FHLB advances | 39445 | 412 | 4.12 | 114023 | 1239 | 4.30 | 56743 | 572 | 3.99 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest-bearing liabilities | $2228117 | $15116 | 2.69% | $2261916 | $15278 | 2.71% | $2240838 | $16997 | 3.02% |
| **Noninterest-bearing deposits** | $790398 |  |  | $775902 |  |  | $741387 |  |  |
| **Net interest spread (TE)**<sup>(1)</sup> |  |  | 3.26% |  |  | 3.21% |  |  | 2.80% |
| **Net interest margin (TE)**<sup>(1)</sup> |  |  | 4.10% |  |  | 4.04% |  |  | 3.71% |

---

&nbsp;&nbsp;&nbsp;&nbsp;(1)Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%

------

&nbsp;&nbsp;&nbsp;&nbsp;

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **HOME BANCORP, INC. AND SUBSIDIARY** | **HOME BANCORP, INC. AND SUBSIDIARY** | **HOME BANCORP, INC. AND SUBSIDIARY** | **HOME BANCORP, INC. AND SUBSIDIARY** | **HOME BANCORP, INC. AND SUBSIDIARY** | **HOME BANCORP, INC. AND SUBSIDIARY** | **HOME BANCORP, INC. AND SUBSIDIARY** |
| **Consolidated Net Interest Margin** | **Consolidated Net Interest Margin** | **Consolidated Net Interest Margin** | **Consolidated Net Interest Margin** | **Consolidated Net Interest Margin** | **Consolidated Net Interest Margin** | **Consolidated Net Interest Margin** |
| **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** |
|  | **Nine Months Ended** | **Nine Months Ended** | **Nine Months Ended** | **Nine Months Ended** | **Nine Months Ended** | **Nine Months Ended** |
|  | **9/30/2025** | **9/30/2025** | **9/30/2025** | **9/30/2024** | **9/30/2024** | **9/30/2024** |
| ***(dollars in thousands)*** | **Average Balance** | **Interest** | **Average Yield/ Rate** | **Average Balance** | **Interest** | **Average Yield/ Rate** |
| **Interest-earning assets:** |  |  |  | | | |
| &nbsp;&nbsp;Loans receivable | $2750985 | $134926 | 6.49% | $2641414 | $126277 | 6.30% |
| &nbsp;&nbsp;Investment securities (TE)<sup>(1)</sup> | 425915 | 7764 | 2.45 | 463333 | 8205 | 2.38 |
| &nbsp;&nbsp;Other interest-earning assets | 75702 | 2362 | 4.17 | 62771 | 2481 | 5.28 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest-earning assets | $3252602 | $145052 | 5.90% | $3167518 | $136963 | 5.71% |
| **Interest-bearing liabilities:** |  |  |  |  |  |  |
| &nbsp;&nbsp;Deposits: |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Savings, checking, and money market | $1301660 | $16715 | 1.72% | $1265420 | $15479 | 1.63% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Certificates of deposit | 783670 | 22854 | 3.90 | 698675 | 23695 | 4.53 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest-bearing deposits | 2085330 | 39569 | 2.54 | 1964095 | 39174 | 2.66 |
| &nbsp;&nbsp;Other borrowings | 5550 | 160 | 3.84 | 135727 | 4815 | 4.74 |
| &nbsp;&nbsp;Subordinated debt | 54540 | 2534 | 6.20 | 54322 | 2533 | 6.22 |
| &nbsp;&nbsp;FHLB advances | 110858 | 3583 | 4.27 | 58309 | 1765 | 4.01 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest-bearing liabilities | $2256278 | $45846 | 2.71% | $2212453 | $48287 | 2.91% |
| **Noninterest-bearing deposits** | $766846 |  |  | $745460 |  |  |
| **Net interest spread (TE)**<sup>(1)</sup> |  |  | 3.19% |  |  | 2.80% |
| **Net interest margin (TE)**<sup>(1)</sup> |  |  | 4.02% |  |  | 3.67% |

---

&nbsp;&nbsp;&nbsp;&nbsp;(1)Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%.

------

&nbsp;&nbsp;&nbsp;&nbsp;

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **HOME BANCORP, INC. AND SUBSIDIARY** | **HOME BANCORP, INC. AND SUBSIDIARY** | **HOME BANCORP, INC. AND SUBSIDIARY** | **HOME BANCORP, INC. AND SUBSIDIARY** | **HOME BANCORP, INC. AND SUBSIDIARY** | **HOME BANCORP, INC. AND SUBSIDIARY** |
| **SUMMARY CREDIT QUALITY INFORMATION** | **SUMMARY CREDIT QUALITY INFORMATION** | **SUMMARY CREDIT QUALITY INFORMATION** | **SUMMARY CREDIT QUALITY INFORMATION** | **SUMMARY CREDIT QUALITY INFORMATION** | **SUMMARY CREDIT QUALITY INFORMATION** |
| **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** |
| | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** |
| | **9/30/2025** | **6/30/2025** | **3/31/2025** | **12/31/2024** | **9/30/2024** |
| **CREDIT QUALITY** <sup>(1)</sup> | | | | | |
| &nbsp;&nbsp;Nonaccrual loans: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;One- to four-family first mortgage | $6402 | $6272 | $6368 | $7039 | $7750 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Home equity loans and lines | 1008 | 1033 | 372 | 279 | 208 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial real estate | 10016 | 7669 | 4349 | 3304 | 7064 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Construction and land | 9847 | 6103 | 5584 | 1622 | 2127 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Multi-family residential | 973 | 916 | 930 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial and industrial | 1161 | 1312 | 1206 | 1311 | 777 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Consumer | 60 | 35 | 161 | 27 | 129 |
| &nbsp;&nbsp;Total nonaccrual loans | $29467 | $23340 | $18970 | $13582 | $18055 |
| &nbsp;&nbsp;Accruing loans 90 days or more past due | 55 | 12 | 77 | 16 | 34 |
| &nbsp;&nbsp;Total nonperforming loans | 29522 | 23352 | 19047 | 13598 | 18089 |
| &nbsp;&nbsp;Foreclosed assets and ORE | 1384 | 2077 | 2424 | 2010 | 267 |
| &nbsp;&nbsp;Total nonperforming assets | $30906 | $25429 | $21471 | $15608 | $18356 |
| &nbsp;&nbsp;Nonperforming assets to total assets | 0.88% | 0.73% | 0.62% | 0.45% | 0.53% |
| &nbsp;&nbsp;Nonperforming loans to total assets | 0.84 | 0.67 | 0.55 | 0.39 | 0.53 |
| &nbsp;&nbsp;Nonperforming loans to total loans | 1.09 | 0.84 | 0.69 | 0.50 | 0.68 |
| **ALLOWANCE FOR CREDIT LOSSES** |  |  |  |  |  |
| &nbsp;&nbsp;Allowance for loan losses: |  |  |  |  |  |
| &nbsp;&nbsp;Beginning balance | $33432 | $33278 | $32916 | $32278 | $32212 |
| (Reversal) provision for loan losses | (229) | 489 | 394 | 873 | 140 |
| &nbsp;&nbsp;Charge-offs | (488) | (460) | (226) | (255) | (215) |
| &nbsp;&nbsp;Recoveries | 112 | 125 | 194 | 20 | 141 |
| &nbsp;&nbsp;Net charge-offs | (376) | (335) | (32) | (235) | (74) |
| &nbsp;&nbsp;Ending balance | $32827 | $33432 | $33278 | $32916 | $32278 |
| &nbsp;&nbsp;Reserve for unfunded lending commitments<sup>(2)</sup> |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Beginning balance | $1730 | $2700 | $2700 | $2460 | $2460 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(Reversal) provision for losses on unfunded lending commitments |  | (970) |  | 240 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Ending balance | $1730 | $1730 | $2700 | $2700 | $2460 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total allowance for credit losses | 34557 | 35162 | 35978 | 35616 | 34738 |
| &nbsp;&nbsp;Total loans | $2705895 | $2764538 | $2747277 | $2718185 | $2668286 |
| &nbsp;&nbsp;Total unfunded commitments | 509709 | 492306 | 508864 | 516785 | 527333 |

---

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&nbsp;&nbsp;&nbsp;&nbsp;

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **HOME BANCORP, INC. AND SUBSIDIARY** | **HOME BANCORP, INC. AND SUBSIDIARY** | **HOME BANCORP, INC. AND SUBSIDIARY** | **HOME BANCORP, INC. AND SUBSIDIARY** | **HOME BANCORP, INC. AND SUBSIDIARY** | **HOME BANCORP, INC. AND SUBSIDIARY** |
| **SUMMARY CREDIT QUALITY INFORMATION** | **SUMMARY CREDIT QUALITY INFORMATION** | **SUMMARY CREDIT QUALITY INFORMATION** | **SUMMARY CREDIT QUALITY INFORMATION** | **SUMMARY CREDIT QUALITY INFORMATION** | **SUMMARY CREDIT QUALITY INFORMATION** |
| **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** | **(Unaudited)** |
| | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** |
| | **9/30/2025** | **6/30/2025** | **3/31/2025** | **12/31/2024** | **9/30/2024** |
| &nbsp;&nbsp;Allowance for loan losses to nonperforming assets | 106.22% | 131.47% | 154.99% | 210.89% | 175.84% |
| &nbsp;&nbsp;Allowance for loan losses to nonperforming loans | 111.20 | 143.17 | 174.72 | 242.07 | 178.44 |
| &nbsp;&nbsp;Allowance for loan losses to total loans | 1.21 | 1.21 | 1.21 | 1.21 | 1.21 |
| &nbsp;&nbsp;Allowance for credit losses to total loans | 1.28 | 1.27 | 1.31 | 1.31 | 1.30 |
| &nbsp;&nbsp;Year-to-date loan charge-offs | $(1174) | $(686) | $(226) | $(1285) | $(1030) |
| &nbsp;&nbsp;Year-to-date loan recoveries | 431 | 319 | 194 | 249 | 229 |
| &nbsp;&nbsp;Year-to-date net loan charge-offs | $(743) | $(367) | $(32) | $(1036) | $(801) |
| &nbsp;&nbsp;Annualized YTD net loan charge-offs to average loans | (0.04)% | (0.03)% | —% | (0.04)% | (0.04)% |

---

&nbsp;&nbsp;&nbsp;&nbsp;(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.

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

## Exhibit 99.2

![](investorpresentationq320001.jpg)

Q3 2025 Earnings Conference Call

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![](investorpresentationq320002.jpg)

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

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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

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\| 4 Our Markets

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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)

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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

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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

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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%

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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

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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

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![](investorpresentationq320011.jpg)

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%

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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%

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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

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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.

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![](investorpresentationq320015.jpg)

($ 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

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![](investorpresentationq320016.jpg)

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

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![](investorpresentationq320017.jpg)

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

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![](investorpresentationq320018.jpg)

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

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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%

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![](investorpresentationq320020.jpg)

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

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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

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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

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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 \*

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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

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Investment Perspective \| 25

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\| 26

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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.

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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)

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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)

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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)

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