| Metric | Value ($ M) | Q2 FY25 | Q3 FY24 |
|---|---|---|---|
| Revenue | 37.84 | 2.1% | 11.1% |
| Total Income | 37.84 | 2.1% | 11.1% |
| Expenditure | 22.30 | 2.6% | 0.5% |
| PBT | 15.54 | 9.7% | 33.0% |
| Net Profit | 12.36 | 9.1% | 30.9% |
| OPM | — | ||
| NPM | 32.65% | 2.09pp | 4.96pp |
| EPS | 1.60 | 8.8% | 34.5% |
Home Bancorp Reports Q3 2025 Net Income of $12.4 Million
04 May 2026 · 4 May, 9:00 am
Summary
Home Bancorp, Inc. reported net income of $12.4 million, or $1.59 per diluted common share, for the third quarter of 2025. Loan production slowed during the quarter, but deposit growth improved, reducing the loan to deposit ratio to 91%. Net interest income totaled $34.1 million, up 2% from the prior quarter, with a net interest margin of 4.10%. The company's Board of Directors increased the quarterly cash dividend by 7% to $0.31 per share.
Key Highlights
- 1
Home Bancorp, Inc. reported net income of $12.4 million for the third quarter of 2025, or $1.59 per diluted common share.
- 2
Loans totaled $2.7 billion at September 30, 2025, a decrease of $58.6 million, or 2.1%, from June 30, 2025.
- 3
Deposits totaled $3.0 billion at September 30, 2025, an increase of $67.3 million, or 2.3%, from June 30, 2025.
- 4
Net interest income in the third quarter of 2025 totaled $34.1 million, up $755,000, or 2%, from the prior quarter.
- 5
The net interest margin was 4.10% in the third quarter of 2025 compared to 4.04% in the second quarter of 2025.
- 6
The Board of Directors declared a quarterly cash dividend of $0.31 per share, an increase of 7% from the previous quarter.
Management Comments
John W. Bordelon
“Our third quarter results reflect continued strength and stability of the Company. While loan production was slower during the quarter, deposit growth improved reducing our loan to deposit ratio down to our target of 91%. Financial performance remained strong with ROA of 1.41% and a six-basis point NIM expansion to 4.10% for the quarter. Credit metrics reflect an increase in nonperforming and criticized loans during the quarter, but we do not anticipate any losses. We remain focused on proactively identifying and resolving problem loans as quickly as possible.”
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