Home Bancorp Reports Q3 Earnings and Declares Dividend
Home Bancorp Inc. reported third-quarter net income of $10.1 million, or $1.28 per diluted share in the quarter ended September 30, 2026, a decline from $11.6 million, or $1.48 per diluted share, in Q2 2026. The company attributed stable net interest income to disciplined balance sheet management despite credit-related challenges and deposit pricing pressures. Net interest margin fell slightly to 4.19% due to higher funding costs and loan reversals. The firm placed six loan relationships totaling $19.5 million on nonaccrual status, increasing its criticized and nonperforming loans. Nonperforming assets rose to $53.7 million at quarter-end from $39.2 million in June 2026. Management emphasized disciplined underwriting and active portfolio management as priorities while maintaining a focus on capital preservation. Loans totaled $2.8 billion, down slightly by less than 1% compared to the prior quarter, with core deposits declining by 1.2%. The company also announced it would continue its quarterly dividend policy.
Tickers: $HBCP
Topics: balance sheet management net income nonaccrual loans
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