Home Bancorp Reports Q2 2026 Results: Full Earnings Call Transcript

On Tuesday, Home Bancorp (NASDAQ: HBCP ) discussed second-quarter financial results during its earnings call. The full transcript is provided below. APIs provide real-time access to earnings call transcripts and financial data. Visit to learn more.

48 per diluted share, with earnings per share increasing by 2% from the previous quarter. 24%, driven by higher yields on the earning asset portfolio and stable funding costs, marking the highest quarterly net interest income in the company's history. 1 million, maintaining a loan-to-deposit ratio within the target range. The company is actively resolving problem credits, with plans to rectify approximately one-third of classified assets by year-end, and net charge-offs remained low at 6 basis points annualized.

Strategically, Home Bancorp Inc has appointed Darren Guidry as the new President to focus on executing strategic priorities, while maintaining disciplined credit quality and risk management. Guidance for mid-single-digit loan growth is maintained for the second half of the year, with expectations for continued NIM expansion due to repricing opportunities. Noninterest expenses increased due to compensation and foreclosed asset expenses, with expectations for continued elevated expenses as the company works through problem credits. 32 per share declared.

Full Transcript OPERATOR Good morning, ladies and gentlemen, and welcome to the Home Bancorp Inc second quarter 2026 earnings conference call. All participants will be in 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 like to turn the conference over to Home Bancorp Inc's President and CEO, John Bordelon; President, Darren Guidry; and Chief Financial Officer, David Kirkley. Please go ahead, Mr. Kirkley.

David Kirkley, Chief Financial Officer Thank you. And good morning, and welcome to Home Bancorp Inc's second quarter 2026 earnings call. Our earnings release and investor presentation are available on our website. I'd ask that everyone please refer to the disclaimer regarding forward-looking statements in the investor presentation and our SEC filings.

Now I'll hand it over to John to make a few comments about the second quarter. John Bordelon, President and CEO Thanks, David. Good morning, everyone, and thank you for joining our earnings call today. We appreciate your interest in Home Bancorp Inc as we discuss our results, expectations for the future, and our approach to creating long-term shareholder value.

Before I discuss our second quarter results, I want to take a moment to introduce Darren Guidry as Home Bancorp Inc's new President. Darren has served as our Chief Risk Officer since 2022 and, prior to that, Chief Credit Officer beginning in 2013 and Chief Lending Officer since he came to the bank in 1993. His deep knowledge of our business, our customers, and our markets makes him exceptionally well suited for this expanded role. By separating the CEO and President roles, we are creating a leadership structure designed to sustain our next phase of growth.

As CEO, I will remain focused on overall corporate strategy, capital planning, and shareholder relations, while Darren will lead the day-to-day execution of our strategic priorities. He'll be working closely with our executive leadership team to drive performance across the organization while maintaining our strong discipline in credit quality, risk management, and customer service. We are enthusiastic about this transition and confident it will serve our shareholders, employees, and customers well in years to come. 48 per diluted share.

46 per share a year ago. 31%. 8 million in the second quarter and was the highest quarterly net interest income in Home Bancorp Inc's 118-year history. This continued net interest income growth and margin expansion was driven by higher yields on our earning asset portfolio and stable funding costs.

66% for the quarter, which is one of the lowest in our peer group and reflects the continued strength of our core deposit franchise. 7 million in the second quarter, or approximately 7% annualized, which was a nice recovery from the slight contraction we saw in the first quarter. Our Houston market continues to lead the way, growing at a 9% annualized rate year to date. The Tomball branch in Northwest Houston, which opened in the first quarter, is gaining momentum and building its customer base.

We believe the pipeline we have been building will support continued mid–single-digit loan growth in the second half of the year, but predicting when our customers will make decisions about financing has become challenging. 1 million, or 6% annualized, in the second quarter, which kept our loan-to-deposit ratio in the middle of its 90 to 92 target range. The quality and stability of our deposit base remains one of Home Bancorp Inc's most important competitive advantages. We continue to work our problem credits to resolution.

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