HOME BANCORP, INC. ANNOUNCES 2026 THIRD QUARTER RESULTS AND DECLARES QUARTERLY DIVIDEND

Home Bancorp, Inc. (Nasdaq: HBCP ) (the "Company"), the parent company for Home Bank, N.A. (the "Bank") ( www.home24bank.com ), reported financial results for the third quarter of 2026. For the quarter, the Company reported net income of $10.1 million, or $1.28 per diluted common share ("diluted EPS"), down $1.5 million from $11.6 million, or $1.48 diluted EPS, for the second quarter of 2026. "Quarterly results demonstrated the resilience of our core earnings, with net interest income holding essentially stable despite credit related interest reversals and continued deposit pricing pressure," said John W. Bordelon, Chief Executive Officer of the Company and the Bank. "Although net interest margin declined five basis points to 4.19%, disciplined balance sheet management partially offset the impact of loans moving to nonaccrual status and higher funding cost. We remain focused on protecting capital, preserving liquidity and deploying resources in ways that support sustainable earnings and long-term shareholder value." "We moved promptly to recognize and address emerging credit issues during the quarter," said Darren E. Guidry, President of the Company and the Bank. "Six loan relationships totaling $19.5 million were placed on nonaccrual status, increasing criticized and nonperforming loans. Based on our current assessment, we do not anticipate sizable losses from these relationships. Our priorities remain disciplined underwriting, active portfolio management and measured balance sheet growth that produces appropriate risk adjusted returns." Third Quarter 2026 Highlights Loans totaled $2.8 billion at September 30, 2026, down $4.0 million, or less than 1% (a decrease of 1% on an annualized basis), from June 30, 2026. Deposits totaled $3.1 billion at September 30, 2026, down $15.4 million, or 0.5% (a decrease of 2% on an annualized basis), from June 30, 2026. Core deposits decreased $28.3 million, or 1.2% (a decrease of 5% on an annualized basis), during the third quarter of 2026 to $2.3 billion. Net interest income in the third quarter of 2026 totaled $35.9 million, up $110,000, or less than 1%, from the prior quarter. The net interest margin ("NIM") was 4.19% in the third quarter of 2026 compared to 4.24% in the second quarter of 2026. Credit related interest reversals and higher deposit costs were the primary headwinds, while higher interest-earning asset yields and funding mix provided partial offsets. Net interest income remained essentially stable at $35.9 million, demonstrating the earnings benefit of active balance sheet management. Nonperforming assets totaled $53.7 million, or 1.49% of total assets, at September 30, 2026, compared to $39.2 million, or 1.09% of total assets, at June 30, 2026. The increase in nonperforming assets is primarily due to six loan relationships totaling $19.5 million which were moved to nonaccrual status, partially offset by payoffs and paydowns during the third quarter of 2026. The Company recorded a $1.0 million provision to the allowance for loan losses in the third quarter of 2026, compared to a $762,000 provision in the second quarter of 2026. The increase primarily reflected higher reserves on individually analyzed loans, partially offset by the reduction in total loans. Loans Loans totaled $2.8 billion at September 30, 2026, down $4.0 million, or less than 1%, from June 30, 2026. The following table summarizes the changes in the Company's loan portfolio, net of unearned income, from June 30, 2026 through September 30, 2026. (dollars in thousands) 9/30/2026 6/30/2026 Increase (Decrease) Real estate loans: One- to four-family first mortgage $ 469,700 $ 475,602 $ (5,902) (1) % Home equity loans and lines 91,279 90,529 750 1 Commercial real estate 1,224,277 1,215,828 8,449 1 Construction and land 303,735 323,541 (19,806) (6) Multi-family residential 194,134 197,624 (3,490) (2) Total real estate loans 2,283,125 2,303,124 (19,999) (1) Other loans: Commercial and industrial 462,665 446,352 16,313 4 Consumer 29,074 29,414 (340) (1) Total other loans 491,739 475,766 15,973 3 Total loans $ 2,774,864 $ 2,778,890 $ (4,026) — % The average loan yield was 6.40% for the third quarter of 2026, down 6 basis points from the second quarter of 2026. Loans transferred to nonaccrual status and related interest income reversals of approximately $862,000 reduced the quarterly loan yield by approximately 12 basis points. Loan pricing and portfolio mix recaptured approximately half of that pressure, limiting the reported decline to six basis points and supporting stable net interest income. Credit Quality and Allowance for Credit Losses Nonperforming assets ("NPAs") totaled $53.7 million, or 1.49% of total assets, at September 30, 2026, up $14.5 million, or 37%, from $39.2 million, or 1.09% of total assets, at June 30, 2026. The increase in NPAs during the third quarter of 2026 was primarily due to six loan relationships totaling $19.5 million placed on nonaccrual during the third quarter, partially offset by payoffs and paydowns. Management's timely recognition of these credits and ongoing workout efforts are intended to contain loss exposure. During the third quarter of 2026, the Company recorded net loan charge-offs of $586,000, compared to net loan charge-offs of $448,000 during the second quarter of 2026. The Company provisioned $1.0 million to the allowance for loan losses in the third quarter of 2026. At September 30, 2026, the allowance for loan losses totaled $34.4 million, or 1.24% of total loans, compared to $34.0 million, or 1.22% of total loans, at June 30, 2026. 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. The following tables present the Company's loan portfolio by credit quality classification as of September 30, 2026 and June 30, 2026. September 30, 2026 (dollars in thousands) Pass Special Mention Substandard Total One- to four-family first mortgage $ 462,451 $ — $ 7,249 $ 469,700 Home equity loans and lines 90,766 — 513 91,279 Commercial real estate 1,170,731 14,422 39,124 1,224,277 Construction and land 288,674 1,814 13,247 303,735 Multi-family residential 191,842 1,304 988 194,134 Commercial and industrial 436,301 4,643 21,721 462,665 Consumer 29,055 — 19 29,074 Total $ 2,669,820 $ 22,183 $ 82,861 $ 2,774,864 June 30, 2026 (dollars in thousands) Pass Special Mention Substandard Total One- to four-family first mortgage $ 468,132 $ — $ 7,470 $ 475,602 Home equity loans and lines 89,820 — 709 90,529 Commercial real estate 1,162,045 19,973 33,810 1,215,828 Construction and land 314,811 1,826 6,904 323,541 Multi-family residential 194,864 1,166 1,594 197,624 Commercial and industrial 424,029 3,946 18,377 446,352 Consumer 29,389 — 25 29,414 Total $ 2,683,090 $ 26,911 $ 68,889 $ 2,778,890 Investment Securities The Company's investment securities portfolio totaled $415.6 million at September 30, 2026, an increase of $6.5 million, or 2%, from June 30, 2026. At September 30, 2026, the Company had a net unrealized loss position on its investment securities of $36.5 million, compared to a net unrealized loss of $25.0 million at June 30, 2026. The Company's investment securities portfolio had an effective duration of 3.6 years and 3.4 years at September 30, 2026 and June 30, 2026, respectively. During the third quarter of 2026, the Company made securities purchases of $40.7 million, compared to $39.3 million during the second quarter of 2026. The Company had no securities sales during the third quarter of 2026 and second quarter of 2026. The following table summarizes the composition of the Company's investment securities portfolio at September 30, 2026. (dollars in thousands) Amortized Cost Fair Value Available for sale: U.S. agency mortgage-backed $ 341,618 $ 314,724 Collateralized mortgage obligations 43,090 41,813 Municipal bonds 52,703 45,116 U.S. government agency 9,636 8,942 Corporate bonds 5,000 5,000 Total available for sale $ 452,047 $ 415,595 Approximately 31% of the investment securities portfolio was pledged as of September 30, 2026 to secure public deposits and the discount window with the Federal Reserve. As of September 30, 2026 and June 30, 2026, the Company had $129.6 million and $139.9 million, respectively, of securities pledged to secure public deposits, and $572,000 and none, respectively, pledged to the Federal Reserve discount window. Deposits Total deposits were $3.1 billion at September 30, 2026, down $15.4 million, or less than 1%, from June 30, 2026. Core deposits or non-maturity deposits decreased $28.3 million, or 1%, during the third quarter of 2026 to $2.3 billion. The following table summarizes the changes in the Company's deposits from June 30, 2026 to September 30, 2026. (dollars in thousands) 9/30/2026 6/30/2026 Increase (Decrease) Demand deposits $ 827,696 $ 835,118 $ (7,422) (1) % Savings 192,180 197,412 (5,232) (3) Money market 585,742 571,474 14,268 2 NOW 697,892 727,839 (29,947) (4) Certificates of deposit 749,990 737,040 12,950 2 Total deposits $ 3,053,500 $ 3,068,883 $ (15,383) (1) % The average rate on interest-bearing deposits increased 5 basis points from 2.28% for the second quarter of 2026 to 2.33% for the third quarter of 2026. At September 30, 2026, certificates of deposit maturing within the next 12 months totaled $729.4 million, or 97%, of total certificates of deposit. The total amounts of our uninsured deposits (deposits in excess of $250,000, as calculated in accordance with FDIC regulations) were $933.7 million at September 30, 2026 and $959.4 million at June 30, 2026. Public funds in excess of the FDIC insurance limits are fully collateralized. Net Interest Income Net interest income increased $110,000 to $35.9 million in the third quarter, even as NIM decreased 5 basis points from 4.24% for the second quarter of 2026 to 4.19% for the third quarter of 2026. The margin decline was primarily due to lower loan yields following the transfer of loans to nonaccrual status, which resulted in approximately $862,000 of interest income reversals, and an increase in funding cost for average interest-bearing liabilities during the quarter. The average cost of interest-bearing deposits increased by 5 basis points in the third quarter of 2026 compared to the second quarter of 2026. The increase in deposit costs reflects increases in deposit rates to remain competitive in the market. Average other interest-earning assets were $150.9 million for the third quarter of 2026, down $7.3 million, or 5%, from the second quarter of 2026, primarily due to a decrease in the average balance of cash and cash equivalents. Loan accretion income from acquired loans totaled $187,000 for the third quarter of 2026, down $14,000, or 7%, from the second quarter of 2026. Noninterest Income Noninterest income for the third quarter of 2026 totaled $4.2 million, up $282,000, or 7%, from the second quarter of 2026. The increase was related primarily to other income (up $190,000) and service fees and charges (up $105,000), which were partially offset by a decrease in gain on sale of loans, net (down $75,000), for the third quarter of 2026 compared to the second quarter of 2026. Noninterest Expense Noninterest expense for the third quarter of 2026 totaled $26.3 million, up $1.8 million, or 7%, from the second quarter of 2026. The increase was primarily related to foreclosed assets, net (up $1.7 million), and franchise and shares tax (up $192,000), which were partially offset by a decrease in other expenses (down $155,000) during the third quarter of 2026. Capital At September 30, 2026, shareholders' equity totaled $453.1 million, down $359,000, or less than 1%, compared to $453.5 million at June 30, 2026. The decrease was primarily due to the increase in accumulated other comprehensive loss on available for sale investment securities, which was partially offset by the Company's earnings of $10.1 million during the third quarter of 2026. Preliminary Tier 1 leverage capital and total risk-based capital ratios were 12.33% and 16.09%, respectively, at September 30, 2026, compared to 12.11% and 15.61%, respectively, at June 30, 2026. Dividend and Share Repurchases The Company announces that its Board of Directors declared a quarterly cash dividend on shares of its common stock of $0.32 per share payable on November 13, 2026, to shareholders of record as of November 2, 2026. The Company repurchased 350 shares of its common stock during the third quarter of 2026 at an average price per share of $69.34. An additional 382,820 shares remain eligible for purchase under the 2025 Repurchase Plan. The book value per share and tangible book value per share of the Company's common stock was $57.55 and $46.97, respectively, at September 30, 2026. Conference Call Executive management will host a conference call to discuss third quarter 2026 results on Tuesday, October 20, 2026 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. Quarter Ended (dollars in thousands, except per share data) 9/30/2026 6/30/2026 3/31/2026 12/31/2025 9/30/2025 Reported net income $ 10,097 $ 11,615 $ 11,360 $ 11,411 $ 12,357 Add: Core deposit intangible amortization, net tax 165 166 185 203 213 Non-GAAP tangible income $ 10,262 $ 11,781 $ 11,545 $ 11,614 $ 12,570 Total assets $ 3,596,367 $ 3,603,193 $ 3,554,643 $ 3,492,626 $ 3,494,074 Less: Intangible assets 83,304 83,513 83,723 83,957 84,214 Non-GAAP tangible assets $ 3,513,063 $ 3,519,680 $ 3,470,920 $ 3,408,669 $ 3,409,860 Total shareholders' equity $ 453,098 $ 453,457 $ 444,410 $ 435,094 $ 423,044 Less: Intangible assets 83,304 83,513 83,723 83,957 84,214 Non-GAAP tangible shareholders' equity $ 369,794 $ 369,944 $ 360,687 $ 351,137 $ 338,830 Return on average equity 8.74 % 10.34 % 10.41 % 10.52 % 11.78 % Add: Average intangible assets 2.12 2.54 2.64 2.79 3.24 Non-GAAP return on average tangible common equity 10.86 % 12.88 % 13.05 % 13.31 % 15.02 % Common equity ratio 12.60 % 12.58 % 12.50 % 12.46 % 12.11 % Less: Intangible assets 2.07 2.07 2.11 2.16 2.17 Non-GAAP tangible common equity ratio 10.53 % 10.51 % 10.39 % 10.30 % 9.94 % Book value per share $ 57.55 $ 57.63 $ 56.73 $ 55.56 $ 54.05 Less: Intangible assets 10.58 10.61 10.69 10.72 10.76 Non-GAAP tangible book value per share $ 46.97 $ 47.02 $ 46.04 $ 44.84 $ 43.29 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, 2025 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. HOME BANCORP, INC. AND SUBSIDIARY CONDENSED STATEMENTS OF FINANCIAL CONDITION (Unaudited) (dollars in thousands) 9/30/2026 6/30/2026 3/31/2026 12/31/2025 9/30/2025 Assets Cash and cash equivalents $ 179,053 $ 188,224 $ 223,484 $ 141,605 $ 189,324 Investment securities available for sale, at fair value 415,595 408,582 385,729 391,448 383,340 Investment securities held to maturity — 530 530 1,065 1,065 Mortgage loans held for sale 774 1,566 1,558 1,558 1,932 Loans, net of unearned income 2,774,864 2,778,890 2,728,146 2,744,023 2,705,895 Allowance for loan losses (34,427) (33,994) (33,680) (33,142) (32,827) Total loans, net of allowance for loan losses 2,740,437 2,744,896 2,694,466 2,710,881 2,673,068 Office properties and equipment, net 51,467 51,538 50,502 48,995 45,223 Cash surrender value of bank-owned life insurance 50,426 50,131 49,842 49,557 49,269 Goodwill and core deposit intangibles 83,304 83,513 83,723 83,957 84,214 Accrued interest receivable and other assets 75,311 74,213 64,809 63,560 66,639 Total Assets $ 3,596,367 $ 3,603,193 $ 3,554,643 $ 3,492,626 $ 3,494,074 Liabilities Deposits $ 3,053,500 $ 3,068,883 $ 3,026,781 $ 2,972,806 $ 2,975,503 Other borrowings — — — — 5,539 Subordinated debt, net of issuance cost 54,838 54,784 54,729 54,675 54,621 Federal Home Loan Bank advances — — — 3,024 3,059 Accrued interest payable and other liabilities 34,931 26,069 28,723 27,027 32,308 Total Liabilities 3,143,269 3,149,736 3,110,233 3,057,532 3,071,030 Shareholders' Equity Common stock 79 79 78 78 78 Additional paid-in capital 172,362 171,234 169,995 168,963 168,016 Common stock acquired by benefit plans (714) (803) (893) (982) (1,071) Retained earnings 309,679 302,171 293,554 284,834 275,912 Accumulated other comprehensive loss (28,308) (19,224) (18,324) (17,799) (19,891) Total Shareholders' Equity 453,098 453,457 444,410 435,094 423,044 Total Liabilities and Shareholders' Equity $ 3,596,367 $ 3,603,193 $ 3,554,643 $ 3,492,626 $ 3,494,074 HOME BANCORP, INC. AND SUBSIDIARY CONDENSED STATEMENTS OF INCOME (Unaudited) Three Months Ended Nine Months Ended (dollars in thousands, except per share data) 9/30/2026 6/30/2026 9/30/2025 9/30/2026 9/30/2025 Interest Income Loans, including fees $ 45,236 $ 45,001 $ 45,607 $ 133,954 $ 134,926 Investment securities 3,134 2,804 2,504 8,498 7,764 Other investments and deposits 1,373 1,414 1,111 4,250 2,362 Total interest income 49,743 49,219 49,222 146,702 145,052 Interest Expense Deposits 12,984 12,569 13,805 37,959 39,569 Other borrowings — — 54 — 160 Subordinated debt expense 844 845 845 2,534 2,534 Federal Home Loan Bank advances — — 412 7 3,583 Total interest expense 13,828 13,414 15,116 40,500 45,846 Net interest income 35,915 35,805 34,106 106,202 99,206 Provision (reversal) for loan losses 1,019 762 (229) 2,703 654 Net interest income after provision for loan losses 34,896 35,043 34,335 103,499 98,552 Noninterest Income Service fees and charges 1,512 1,407 1,408 4,356 4,062 Bank card fees 1,773 1,718 1,646 5,085 4,974 Gain on sale of loans, net 154 229 144 613 635 Income from bank-owned life insurance 295 289 288 869 848 (Loss) gain on sale of assets, net — (1) — (1) 7 Other income 467 277 252 936 937 Total noninterest income 4,201 3,919 3,738 11,858 11,463 Noninterest Expense Compensation and benefits 15,156 15,036 13,531 43,906 39,505 Occupancy 2,463 2,614 2,544 7,506 7,618 Marketing and advertising 435 522 515 1,451 1,405 Data processing and communication 2,834 2,655 2,556 8,118 7,826 Professional fees 422 417 406 1,240 1,207 Forms, printing and supplies 178 179 175 576 578 Franchise and shares tax 532 340 475 1,212 1,434 Regulatory fees 471 460 459 1,393 1,477 Foreclosed assets, net 2,042 385 377 2,481 1,023 Amortization of acquisition intangible 209 210 268 653 830 Reversal for credit losses on unfunded commitments — — — — (970) Other expenses 1,581 1,736 1,225 5,281 4,584 Total noninterest expense 26,323 24,554 22,531 73,817 66,517 Income before income tax expense 12,774 14,408 15,542 41,540 43,498 Income tax expense 2,677 2,793 3,185 8,468 8,847 Net income $ 10,097 $ 11,615 $ 12,357 $ 33,072 $ 34,651 Earnings per share - basic $ 1.30 $ 1.49 $ 1.60 $ 4.26 $ 4.45 Earnings per share - diluted $ 1.28 $ 1.48 $ 1.59 $ 4.21 $ 4.41 Cash dividends declared per common share $ 0.32 $ 0.31 $ 0.29 $ 0.94 $ 0.83 HOME BANCORP, INC. AND SUBSIDIARY SUMMARY FINANCIAL INFORMATION (Unaudited) Three Months Ended Nine Months Ended (dollars in thousands, except per share data) 9/30/2026 6/30/2026 9/30/2025 9/30/2026 9/30/2025 EARNINGS DATA Total interest income $ 49,743 $ 49,219 $ 49,222 $ 146,702 $ 145,052 Total interest expense 13,828 13,414 15,116 40,500 45,846 Net interest income 35,915 35,805 34,106 106,202 99,206 Provision for loan losses 1,019 762 (229) 2,703 654 Total noninterest income 4,201 3,919 3,738 11,858 11,463 Total noninterest expense 26,323 24,554 22,531 73,817 66,517 Income tax expense 2,677 2,793 3,185 8,468 8,847 Net income $ 10,097 $ 11,615 $ 12,357 $ 33,072 $ 34,651 AVERAGE BALANCE SHEET DATA Total assets $ 3,588,774 $ 3,564,832 $ 3,467,070 $ 3,562,136 $ 3,463,833 Total interest-earning assets 3,363,094 3,341,316 3,255,291 3,338,553 3,252,602 Total loans 2,773,575 2,762,370 2,743,695 2,757,008 2,750,985 Total interest-bearing deposits 2,211,365 2,208,807 2,128,540 2,205,625 2,085,330 Total interest-bearing liabilities 2,266,175 2,263,561 2,228,117 2,261,009 2,256,278 Total deposits 3,043,559 3,029,628 2,918,938 3,025,372 2,852,176 Total shareholders' equity 458,174 450,365 416,239 450,440 408,083 PER SHARE DATA Earnings per share - basic $ 1.30 $ 1.49 $ 1.60 $ 4.26 $ 4.45 Earnings per share - diluted 1.28 1.48 1.59 4.21 4.41 Book value at period end 57.55 57.63 54.05 57.55 54.05 Tangible book value at period end 46.97 47.02 43.29 46.97 43.29 Shares outstanding at period end 7,873,701 7,868,139 7,827,481 7,873,701 7,827,481 Weighted average shares outstanding Basic 7,795,970 7,768,468 7,712,707 7,768,603 7,789,001 Diluted 7,874,209 7,853,358 7,782,979 7,851,618 7,862,712 SELECTED RATIOS (1) Return on average assets 1.12 % 1.31 % 1.41 % 1.24 % 1.34 % Return on average equity 8.74 10.34 11.78 9.82 11.35 Common equity ratio 12.60 12.58 12.11 12.60 12.11 Efficiency ratio (2) 65.62 61.81 59.54 62.52 60.10 Average equity to average assets 12.77 12.63 12.01 12.65 11.78 Tier 1 leverage capital ratio (3) 12.33 12.11 11.80 12.33 11.80 Total risk-based capital ratio (3) 16.09 15.61 15.24 16.09 15.24 Net interest margin (4) 4.19 4.24 4.10 4.20 4.02 SELECTED NON-GAAP RATIOS (1) Tangible common equity ratio (5) 10.53 % 10.51 % 9.94 % 10.53 % 9.94 % Return on average tangible common equity (6) 10.86 12.88 15.02 12.24 14.59 (1) With the exception of end-of-period ratios, all ratios are based on average daily balances during the respective periods. (2) The efficiency ratio represents noninterest expense as a percentage of total revenues. Total revenues is the sum of net interest income and noninterest income. (3) Capital ratios are preliminary end-of-period ratios for the Bank only and are subject to change. (4) Net interest margin represents net interest income as a percentage of average interest-earning assets. Taxable equivalent yields are calculated using a marginal tax rate of 21%. (5) Tangible common equity ratio is common shareholders' equity less intangible assets divided by total assets less intangible assets. See "Non-GAAP Reconciliation" for additional information. (6) Return on average tangible common equity is net income plus amortization of core deposit intangible, net of taxes, divided by average common shareholders' equity less average intangible assets. See "Non-GAAP Reconciliation" for additional information. HOME BANCORP, INC. AND SUBSIDIARY Consolidated Net Interest Margin (Unaudited) Three Months Ended 9/30/2026 6/30/2026 9/30/2025 (dollars in thousands) Average Balance Interest Average Yield/ Rate Average Balance Interest Average Yield/ Rate Average Balance Interest Average Yield/ Rate Interest-earning assets: Loans receivable $ 2,773,575 $ 45,236 6.40 % $ 2,762,370 $ 45,001 6.46 % $ 2,743,695 $ 45,607 6.53 % Investment securities (TE)(1) 438,596 3,134 2.87 420,771 2,804 2.68 411,889 2,504 2.45 Other interest-earning assets 150,923 1,373 3.61 158,175 1,414 3.59 99,707 1,111 4.42 Total interest-earning assets $ 3,363,094 $ 49,743 5.82 % $ 3,341,316 $ 49,219 5.85 % $ 3,255,291 $ 49,222 5.95 % Interest-bearing liabilities: Deposits: Savings, checking, and money market $ 1,467,688 $ 6,524 1.76 % $ 1,471,806 $ 6,297 1.72 % $ 1,301,888 $ 5,783 1.76 % Certificates of deposit 743,677 6,460 3.45 737,001 6,272 3.41 826,652 8,022 3.85 Total interest-bearing deposits 2,211,365 12,984 2.33 2,208,807 12,569 2.28 2,128,540 13,805 2.57 Other borrowings — — — — — — 5,539 54 3.80 Subordinated debt 54,810 844 6.17 54,754 845 6.17 54,593 845 6.19 FHLB advances — — — — — — 39,445 412 4.12 Total interest-bearing liabilities $ 2,266,175 $ 13,828 2.42 % $ 2,263,561 $ 13,414 2.38 % $ 2,228,117 $ 15,116 2.69 % Noninterest-bearing deposits $ 832,194 $ 820,821 $ 790,398 Net interest spread (TE) (1) 3.40 % 3.47 % 3.26 % Net interest margin (TE) (1) 4.19 % 4.24 % 4.10 % (1) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. HOME BANCORP, INC. AND SUBSIDIARY Consolidated Net Interest Margin (Unaudited) Nine Months Ended 9/30/2026 9/30/2025 (dollars in thousands) Average Balance Interest Average Yield/ Rate Average Balance Interest Average Yield/ Rate Interest-earning assets: Loans receivable $ 2,757,008 $ 133,954 6.42 % $ 2,750,985 $ 134,926 6.49 % Investment securities (TE)(1) 422,340 8,498 2.70 425,915 7,764 2.45 Other interest-earning assets 159,205 4,250 3.57 75,702 2,362 4.17 Total interest-earning assets $ 3,338,553 $ 146,702 5.82 % $ 3,252,602 $ 145,052 5.90 % Interest-bearing liabilities: Deposits: Savings, checking, and money market $ 1,457,177 $ 18,629 1.71 % $ 1,301,660 $ 16,715 1.72 % Certificates of deposit 748,448 19,330 3.45 783,670 22,854 3.90 Total interest-bearing deposits 2,205,625 37,959 2.30 2,085,330 39,569 2.54 Other borrowings — — — 5,550 160 3.84 Subordinated debt 54,755 2,534 6.17 54,540 2,534 6.20 FHLB advances 629 7 1.51 110,858 3,583 4.27 Total interest-bearing liabilities $ 2,261,009 $ 40,500 2.39 % $ 2,256,278 $ 45,846 2.71 % Noninterest-bearing deposits $ 819,747 $ 766,846 Net interest spread (TE) (1) 3.43 % 3.19 % Net interest margin (TE) (1) 4.20 % 4.02 % (1) Taxable equivalent (TE) amounts are calculated using a federal income tax rate of 21%. HOME BANCORP, INC. AND SUBSIDIARY SUMMARY CREDIT QUALITY INFORMATION (Unaudited) Three Months Ended 9/30/2026 6/30/2026 3/31/2026 12/31/2025 9/30/2025 CREDIT QUALITY (1) Nonaccrual loans: One- to four-family first mortgage $ 6,792 $ 6,423 $ 8,337 $ 6,531 $ 6,402 Home equity loans and lines 513 709 542 531 1,008 Commercial real estate 22,354 10,092 10,837 9,011 10,016 Construction and land 4,808 5,277 12,812 15,367 9,847 Multi-family residential 679 1,281 1,281 1,281 973 Commercial and industrial 6,721 2,585 1,945 1,344 1,161 Consumer 19 25 41 46 60 Total nonaccrual loans $ 41,886 $ 26,392 $ 35,795 $ 34,111 $ 29,467 Accruing loans 90 days or more past due 282 32 14 65 55 Total nonperforming loans 42,168 26,424 35,809 34,176 29,522 Foreclosed assets and ORE 11,568 12,786 4,093 1,929 1,384 Total nonperforming assets $ 53,736 $ 39,210 $ 39,902 $ 36,105 $ 30,906 Nonperforming assets to total assets 1.49 % 1.09 % 1.12 % 1.03 % 0.88 % Nonperforming loans to total assets 1.17 0.73 1.01 0.98 0.84 Nonperforming loans to total loans 1.52 0.95 1.31 1.25 1.09 ALLOWANCE FOR CREDIT LOSSES Allowance for loan losses: Beginning balance $ 33,994 $ 33,680 $ 33,142 $ 32,827 $ 33,432 Provision (reversal) for loan losses 1,019 762 922 480 (229) Charge-offs (653) (564) (413) (189) (488) Recoveries 67 116 29 24 112 Net charge-offs (586) (448) (384) (165) (376) Ending balance $ 34,427 $ 33,994 $ 33,680 $ 33,142 $ 32,827 Reserve for unfunded lending commitments(2) Beginning balance $ 1,625 $ 1,625 $ 1,625 $ 1,730 $ 1,730 Reversal for losses on unfunded lending commitments — — — (105) — Ending balance $ 1,625 $ 1,625 $ 1,625 $ 1,625 $ 1,730 Total allowance for credit losses 36,052 35,619 35,305 34,767 34,557 Total loans $ 2,774,864 $ 2,778,890 $ 2,728,146 $ 2,744,023 $ 2,705,895 Total unfunded commitments 553,656 520,729 533,398 509,331 509,709 Allowance for loan losses to nonperforming assets 64.07 % 86.70 % 84.41 % 91.79 % 106.22 % Allowance for loan losses to nonperforming loans 81.64 128.65 94.05 96.97 111.20 Allowance for loan losses to total loans 1.24 1.22 1.23 1.21 1.21 Allowance for credit losses to total loans 1.30 1.28 1.29 1.27 1.28 Year-to-date loan charge-offs $ (1,630) $ (977) $ (413) $ (1,363) $ (1,174) Year-to-date loan recoveries 212 145 29 455 431 Year-to-date net loan charge-offs $ (1,418) $ (832) $ (384) $ (908) $ (743) Annualized YTD net loan charge-offs to average loans (0.07) % (0.06) % (0.06) % (0.03) % (0.04) % (1) It is our policy to cease accruing interest on loans 90 days or more past due, with certain limited exceptions. Nonperforming assets consist of nonperforming loans, foreclosed assets and surplus real estate (ORE). Foreclosed assets consist of assets acquired through foreclosure or acceptance of title in-lieu of foreclosure. ORE consists of closed or unused bank buildings. (2) The allowance for unfunded lending commitments is recorded within accrued interest payable and other liabilities on the Consolidated Statements of Financial Condition. SOURCE Home Bancorp, Inc.