Home Bancorp reported fourth-quarter 2025 earnings of $1.46 per share, exceeding the Zacks Consensus Estimate of $1.39 and up 21% from $1.21 in the year-ago quarter. Net income rose to $13.8 million, a sequential increase of 8% driven by higher loan yields and stable noninterest income. Quarterly revenue grew 5% year-over-year to $ fifty-two million, reflecting a 12 basis-point expansion in net interest margin to 4.22%. Core deposit balances increased by 7% annualized, supporting a loan-to-deposit ratio of 90% and reducing reliance on wholesale funding by $45 million quarter-over-quarter.

CEO John Bordelon and CFO David Kirkley reiterated their commitment to maintaining net interest margin and growing loan balances despite an evolving rate environment. Kirkley noted that repricing of maturing loans at a 7.4% average yield should offset pressure from incoming rate cuts, with room to decrease funding costs as noninterest-bearing deposits now represent 28% of total deposits. Management maintained full-year 2026 loan growth guidance of 4%–6% and projected noninterest income of $15 million–$16 million, while keeping the efficiency ratio target below 60%. The board approved a 10% increase in the quarterly dividend, marking the eighth consecutive annual raise.