Revenue: As of FY2026 Q1, the actual value is USD 51.48 M.EPS: As of FY2026 Q1, the actual value is USD 1.45, beating the estimate of USD 1.3875.EBIT: As of FY2026 Q1, the actual value is USD -20.12 M.Home Bancorp, Inc. operates as a single reportable operating segment, therefore no segmented financial disclosures are available .<h4>Operational Metrics</h4><ul><li>Net Income: For the three months ended March 31, 2026, net income was $11.4 million, an increase of $396,000 or 3.6% compared to $11.0 million for the same period in 2025 .</li><li>Total Assets: Increased by $62.0 million, or 1.8%, to $3.6 billion at March 31, 2026, from December 31, 2025 .</li><li>Total Loans: Decreased by $15.9 million, or 0.6%, to $2.7 billion at March 31, 2026, from December 31, 2025 .<ul><li>One- to four-family first mortgage loans were $476,079,000 at March 31, 2026, down from $493,446,000 at December 31, 2025 .</li><li>Home equity loans and lines were $91,550,000 at March 31, 2026, down from $92,574,000 at December 31, 2025 .</li><li>Commercial real estate loans were $1,182,501,000 at March 31, 2026, down from $1,190,388,000 at December 31, 2025 .</li><li>Construction and land loans were $340,057,000 at March 31, 2026, up from $329,227,000 at December 31, 2025 .</li><li>Multi-family residential loans were $179,982,000 at March 31, 2026, up from $177,825,000 at December 31, 2025 .</li><li>Commercial and industrial loans were $428,075,000 at March 31, 2026, down from $430,517,000 at December 31, 2025 .</li><li>Consumer loans were $29,902,000 at March 31, 2026, down from $30,046,000 at December 31, 2025 .</li></ul></li><li>Provision for Loan Losses: The Company provisioned $922,000 for the three months ended March 31, 2026, compared to $394,000 for the same period in 2025, primarily due to an increase in individually impaired loan reserves, partially offset by loan reduction .</li><li>Allowance for Loan Losses (ALL): Totaled $33.7 million (1.23% of total loans) at March 31, 2026, compared to $33.1 million (1.21% of total loans) at December 31, 2025 .</li><li>Allowance for Credit Losses (ACL): Totaled $35.3 million (1.29% of total loans) at March 31, 2026, compared to $34.8 million (1.27% of total loans) at December 31, 2025 .</li><li>Nonperforming Assets: Increased by $3.8 million, or 10.5%, to $39.9 million (1.12% of total assets) at March 31, 2026, from $36.1 million (1.03% of total assets) at December 31, 2025, mainly due to several loan relationships being placed on nonaccrual status, partially offset by loan paydowns and payoffs .</li><li>Total Deposits: Increased by $54.0 million, or 1.8%, to $3.0 billion at March 31, 2026, from December 31, 2025 .</li><li>Net Interest Margin: Was 4.16% for the three months ended March 31, 2026, up 25 basis points from the same period in 2025, primarily due to a decline in the average cost of interest-bearing liabilities .</li><li>Average Rate Paid on Total Interest-Bearing Deposits: Was 2.29% for the first quarter of 2026, down 22 basis points from the first quarter of 2025 .</li><li>Total Interest Expense: Was $13.3 million for the first quarter of 2026, a decrease of $2.2 million or 14.2% compared to the first quarter of 2025, mainly due to a decrease in FHLB borrowing interest .</li><li>Noninterest Income: Was $3.7 million for the first quarter of 2026, a decrease of $271,000 or 6.8% compared to the first quarter of 2025, primarily driven by decreases in other income (down $266,000) and gain on sale of loans (down $147,000), partially offset by an increase in service fees and charges (up $128,000) .</li><li>Noninterest Expense: Was $22.9 million for the first quarter of 2026, an increase of $1.4 million or 6.3% compared to the first quarter of 2025, primarily due to increases in compensation and benefits (up $1.1 million) and other expenses (up $786,000), partially offset by decreases in foreclosed assets (down $173,000), franchise and shares tax (down $136,000), and occupancy expense (down $132,000) .</li></ul><h4>Credit Quality</h4><ul><li>Loans by Credit Quality Classification (March 31, 2026):<ul><li>Pass loans totaled $2,655,498,000 .</li><li>Special Mention loans totaled $11,148,000 .</li><li>Substandard loans totaled $61,500,000 .</li><li>Doubtful loans totaled $0 .</li></ul></li><li>Past Due Loans (March 31, 2026):<ul><li>Total past due loans were $48,462,000, including $16,884,000 for 30-59 days past due, $6,480,000 for 60-89 days past due, and $25,098,000 for greater than 90 days past due .</li><li>Current loans were $2,679,684,000 .</li><li>Loans greater than 90 days past due and accruing were $14,000 at March 31, 2026, compared to $65,000 at December 31, 2025 .</li></ul></li><li>Nonaccrual Loans (March 31, 2026): Total nonaccrual loans were $35,795,000, comprising various loan types .</li><li>Collateral Dependent Loans (March 31, 2026): Totaled $10,024,000 with a related ACL of $2,224,000 .</li><li>Loan Modifications: During Q1 2026, the Company had $4,942,000 in term extensions and $185,000 in interest rate reductions for loans to borrowers experiencing financial difficulty . One commercial real estate loan of $1.1 million defaulted in Q1 2026 after being modified within the last 12 months .</li><li>Foreclosed Assets and ORE: Totaled $4,093,000 at March 31, 2026, up from $1,929,000 at December 31, 2025 .</li></ul><h4>Investment Securities</h4><ul><li>Available for Sale Securities (March 31, 2026): Had a fair value of $385,729,000 (amortized cost $409,716,000), with gross unrealized losses of $24,277,000 .</li><li>Held to Maturity Securities (March 31, 2026): Had a fair value of $531,000 (amortized cost $530,000) .</li><li>Unrealized Losses: At March 31, 2026, 214 debt securities had unrealized losses totaling 6.3% of their amortized cost basis and 5.9% of the total amortized cost basis of the investment securities portfolio . Management determined these losses were not attributable to credit losses .</li></ul><h4>Derivatives and Hedging Activities</h4><ul><li>Cash Flow Hedges: Home Bancorp, Inc. uses interest rate swaps to hedge variable rate liabilities . An additional $768,000 is estimated to be reclassified as additional interest expense from Accumulated Other Comprehensive Income during the next twelve months .</li><li>Fair Value of Derivative Instruments (March 31, 2026): Derivative assets were $1,101,000 and derivative liabilities were $211,000 .</li><li>Accumulated Unrealized Gains: Totaled $625,000, net of taxes, at March 31, 2026 .</li></ul><h4>Long-term Debt and Borrowings</h4><ul><li>Subordinated Debt: The carrying value was $54,729,000 at March 31, 2026 .</li><li>Federal Home Loan Bank Advances: The average balance was $1,908,000 for Q1 2026, a decrease of $178,750,000 compared to Q1 2025 . Long-term FHLB advances were $0 at March 31, 2026, down from $3,024,000 at December 31, 2025 .</li></ul><h4>Outlook and Strategy</h4>No specific future outlook or guidance content was explicitly provided within the Management’s Discussion and Analysis section beyond the statement that the Company undertakes no obligation to update forward-looking statements .

Home Bancorp | 10-Q: FY2026 Q1 Revenue: USD 51.48 M