Home Bancorp, Inc. Q2 2026 Earnings Call Summary
Home Bancorp, Inc. reported its highest quarterly net interest income in its 118-year history during Q2 2026, driven by higher earning asset yields and stable deposit costs. The bank separated CEO and President roles to support future growth. Loan growth recovered, led by the Houston market and a new Tomball branch. Substandard loans increased primarily due to a single $12.4 million C&I loan to a manufacturing company, though the borrower remains current. Non-performing loans decreased via transfers to OREO. Management expects mid-single-digit loan growth in H2 2026, continued net interest margin expansion through year-end, and over $30 million in special asset improvements. M&A remains the primary capital deployment priority, with share buybacks deprioritized due to stock price appreciation. Elevated non-interest expenses are forecast due to foreclosed asset costs.
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