Home Bancorp, Inc. filed its Form 10-Q for the quarterly period ended September 30, 2026 with the SEC on November 4, 2026, reporting third-quarter net income of $10.097 million and diluted earnings per share of $1.28.

Key Highlights

  • Net income of $10.097 million for the three months ended September 30, 2026, compared with $12.357 million for the same period in 2025, according to the filing.
  • Diluted EPS of $1.28 for Q3 2026, versus $1.59 for Q3 2025; basic EPS was $1.30, the company reported.
  • Net interest income of $35.915 million for the third quarter of 2026, up from $34.106 million in Q3 2025, the filing disclosed.
  • Total assets of $3.596 billion as of September 30, 2026, compared with $3.493 billion at December 31, 2025, per the balance sheet.
  • Total deposits of $3.054 billion at September 30, 2026, up from $2.973 billion at year-end 2025, according to the filing.
  • Cash dividends declared of $0.32 per common share in Q3 2026, compared with $0.29 in Q3 2025, the company reported.
  • 7,779,122 shares of common stock outstanding as of November 2, 2026, per the filing cover page.

Home Bancorp Third-Quarter 2026 Financial Results

According to the Form 10-Q filed with the SEC, Home Bancorp, Inc. (NASDAQ:HBCP), the Louisiana-based holding company for Home Bank, N.A., reported net income of $10.097 million for the three months ended September 30, 2026, a decrease from $12.357 million in the prior-year third quarter. For the nine months ended September 30, 2026, net income was $33.072 million, compared with $34.651 million for the same period in 2025. Total interest income for Q3 2026 was $49.743 million, up from $49.222 million in Q3 2025, while total interest expense declined to $13.828 million from $15.116 million, resulting in net interest income of $35.915 million.

The filing disclosed a provision for loan losses of $1.019 million in Q3 2026, compared with a reversal of $229 thousand in Q3 2025. Total noninterest income was $4.201 million for the quarter, up from $3.738 million a year earlier. Total noninterest expense rose to $26.323 million from $22.531 million in Q3 2025, with compensation and benefits accounting for $15.156 million of that figure. Foreclosed assets expense, net, was $2.042 million in Q3 2026 versus $377 thousand in Q3 2025, the filing noted. Income tax expense for the quarter was $2.677 million.

On the balance sheet, the filing reported total loans, net of unearned income, of $2.775 billion at September 30, 2026, against an allowance for loan losses of $34.427 million, leaving net loans of $2.740 billion. Shareholders' equity stood at $453.098 million, compared with $435.094 million at December 31, 2025. Accumulated other comprehensive loss widened to $28.308 million from $17.799 million, reflecting unrealized losses on available-for-sale investment securities during the nine-month period, according to the consolidated statements of comprehensive income.

What Was Disclosed

Home Bancorp filed its quarterly report covering the period ended September 30, 2026, disclosing income statement, balance sheet, and equity figures. Net income declined year-over-year for both the quarter and nine-month period, while net interest income and total assets increased from year-end 2025 levels.