Home Bancorp, Inc. (HBCP) Earnings Call Transcripts

Home Bancorp, Inc.'s Latest Earnings Call - Q1 FY2026

Home Bancorp, Inc. reported first quarter 2026 net income of $11.4 million or $1.45 per share, reflecting a 6% increase year-over-year, but a slight decline from the previous quarter. The net interest margin expanded to 4.16%, driven by a 22 basis point decline in the cost of funds. Total deposits grew by $54 million, while loans declined by 1% due to continued paydowns outpacing new production. Management maintained guidance for noninterest income and expenses, with expectations of modest expense increases in the coming quarters.

Reported metrics

Guidance from management

Management maintained guidance for noninterest income to range between $3.8 million and $4 million, and expects noninterest expenses to increase modestly to between $23.3 million and $23.7 million in the coming quarters.

What management said

Thank you. Good morning, and welcome to Home Bank's First Quarter 2026 Earnings Call. Our earnings release and investor presentation are variable on our website [indiscernible] please refer to the disclaimer on 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 first quarter and outlook for 2026. John?

I think, as I mentioned, we have a lot of opportunity for repricing in both the loan and investment securities portfolio. And you'll see that with -- you've seen that with our stable loan yield and slightly increasing investments. So I still think without any rate cuts, we're still seeing expansion in our loan yield on picking up about 40 basis points on cash flow versus new originations. I think that deposits are pr...

What analysts pressed on

Analysts expressed concerns about the potential impact of interest rate changes on net interest margin expansion and the pace of loan growth given market volatility. Questions also focused on competitive pressures in the deposit market and the sustainability of deposit growth.

Main topics on the call

• Net Interest Margin Expansion — The net interest margin expanded to 4.16%, a 10 basis point increase from the previous quarter and 25 basis points year-over-year. This was driven by a 22 basis point decline in the cost of funds. Management highlighted,...
• Loan Portfolio and Pipeline — Loans declined by 1% in the first quarter as paydowns outpaced new production. However, the loan pipeline improved by $30 million to $122 million. Management noted, 'the timing and pace of future loan growth remain diffi...
• Deposit Growth — Total deposits increased by $54 million, driven by a $118 million increase in core deposits, offset by a $64 million decline in noncore CDs. Noninterest-bearing deposits rose by $37 million, maintaining a 27% share of to...
• Credit Quality — Nonperforming assets increased by $3.8 million due to the downgrade of three relationships, but management expects losses to be immaterial. Net charge-offs remained low at 6 basis points annualized.

Read the full Home Bancorp, Inc. transcript (Q1 FY2026) → Summary generated from the call transcript; every figure above is stated by management on the record.

Earnings Call History

EarningsCalls.dev has 13 Home Bancorp, Inc. earnings call transcripts on record, spanning July 18, 2023 to July 21, 2026. Based on this history, Home Bancorp, Inc. reports quarterly. The most recent call on file is dated July 21, 2026. The full list is below — each row opens the complete, free-to-read transcript.

Ticker

HBCP

Exchange

NasdaqGS

Country

US

Sector

Financials

Industry

Banks

Calls on record

13

First call

July 18, 2023

Most recent

July 21, 2026

Reporting cadence

quarterly