Home Bancorp Inc (NAS:HBCP)

Q1 2026 Home Bancorp Inc Earnings Call Transcript

Apr 21, 2026 / 03:30 PM GMT

Release Date Price: $63.01 (-1.39%)

Transcript 8-K

Key Points

Positve

Home Bancorp Inc (HBCP) reported a first-quarter net income of $11.4 million, or $1.46 per share, marking a 6% increase from a year ago.
Net interest margin expanded to 4.16%, a 10 basis point increase from the fourth quarter and 25 basis points higher than a year ago.
Total deposits increased by $54 million in the quarter, or 7% annualized, with core deposits increasing by $118 million.
The new Northwest Houston branch opened, providing a full-service presence in a fast-growing market area.
Net interest income reached $34.5 million, the highest quarterly net interest income in the company's history, driven by lower funding costs and improved balance sheet structure.

Negative

Loans declined by 1% in the first quarter as paydowns outpaced new production.
Non-performing assets increased by $3.8 million due to the downgrade of three relationships.
Non-interest income decreased by $260,000 to $3.7 million, slightly below expectations.
The loan pipeline's timing and pace of future growth remain uncertain due to market volatility and interest rate uncertainty.
Non-interest expenses are expected to increase modestly in the second quarter as annual raises and technology investments ramp up.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

HBCP.OQ - Home Bancorp Inc
Q1 2026 Home Bancorp Inc Earnings Call
Apr 21, 2026 / 03:30PM GMT

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Presentation
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Unidentified_1 [1]
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Good morning ladies and gentlemen and welcome to the Home Bank Corp's first quarter 2026 earnings conference call. All participants will be in a listen-only mode. Should you need assistance, please signal a conference specialist by pressing the star key followed by zero. After today's presentation, there will be an opportunity to ask questions. Please note this event is being recorded.

I would now like to turn the conference over to Home Bank's Chairman, President and CEO, John Bourdelon, and Chief Financial Officer, David Kirkley. Please go ahead, Mr. Kirkley.

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Unidentified_2 [2]
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