Home Bancorp said quarterly earnings rose on stronger loan and deposit growth and a wider net interest margin, while criticized loans increased, nonperforming assets edged lower, and the board raised the cash dividend.
Home Bancorp, Inc. reported second-quarter 2026 net income of $11.6 million, or $1.48 per diluted share, up from $11.4 million, or $1.45 per diluted share, in the first quarter. Net interest income increased 4% to $35.8 million and net interest margin widened to 4.24% from 4.16% as higher-yielding earning assets grew faster than funding costs. Loans rose $50.7 million to $2.8 billion and deposits increased $42.1 million to $3.1 billion, including a $46.6 million gain in core deposits. Asset quality was mixed but broadly stable. Nonperforming assets declined to $39.2 million, or 1.09% of total assets, from $39.9 million, or 1.12%, at March 31, while criticized loans increased during the quarter, according to management, which said it does not anticipate sizable losses. The allowance for loan losses was $34.0 million, or 1.22% of total loans, and net charge-offs were $448,000. Chief Executive Officer John W. Bordelon highlighted that the company reached its 91% loan-to-deposit target and announced Darren E. Guidry as the new President of the Company and the Bank in July. The board declared a quarterly cash dividend of $0.32 per share, payable August 14, 2026, and the company repurchased 2,720 shares during the quarter.