Home Bancorp Reports Strong Q3 Earnings and Dividend Increase
Home Bancorp, Inc. reported strong Q3 earnings for 2025, with a net income of $12.4 million and a 7% increase in quarterly dividends. Key metrics included a net interest income of $34.1 million and a net interest margin of 4.10%. Deposits rose by 2.3% to $3.0 billion, while loans fell by 2.1% to $2.7 billion. The company reversed its provision for loan losses, indicating confidence in credit quality. Shareholders’ equity increased to $423.0 million, and management remains optimistic about future growth and stability.
Home Bancorp, Inc., headquartered in Lafayette, Louisiana, operates as the parent company for Home Bank, N.A., providing a range of financial services primarily in the banking sector.
In its third-quarter earnings report for 2025, Home Bancorp announced a net income of $12.4 million, reflecting an increase from the previous quarter, alongside a 7% rise in its quarterly dividend. The company highlighted stable financial performance despite a slowdown in loan production.
Key financial metrics for the quarter included a net interest income of $34.1 million, a slight improvement from the prior quarter, and a net interest margin expansion to 4.10%. Deposits grew by 2.3% to $3.0 billion, while loans decreased by 2.1% to $2.7 billion. Despite an increase in nonperforming assets, the company managed to reverse its provision for loan losses, indicating confidence in its credit quality management.
The company’s strategic focus remains on managing credit quality and maintaining a healthy loan-to-deposit ratio, which reached its target of 91%. Home Bancorp’s capital position strengthened, with shareholders’ equity rising to $423.0 million, supported by robust earnings and improved investment securities performance.
Looking ahead, Home Bancorp’s management remains optimistic about its financial stability and growth potential, focusing on proactive credit management and strategic deposit growth to navigate the evolving economic landscape.
