Home Bancorp delivered adjusted earnings of $1.46 per share for the quarter ended December 31, 2025, representing a 7.9% beat versus the Zacks Consensus Estimate of $1.39 and a 20.7% advance over last year’s $1.21. Net income rose to $13.2 million, up from $11.0 million in Q4 2024, driven by continued expansion in net interest margin and disciplined expense control. Management highlighted a 6-basis-point sequential improvement in NIM, which reached 4.15%, and an efficiency ratio that improved to 58.7%, down from 60.3% in the year-ago quarter.