Home Bancorp ( (HBCP) ) has released its Q2 earnings. Here is a breakdown of the information Home Bancorp presented to its investors.
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Home Bancorp, Inc., a financial services company based in Lafayette, Louisiana, operates as the parent company for Home Bank, N.A., providing a range of banking services primarily in the commercial and residential real estate sectors.
In its latest earnings report for the second quarter of 2025, Home Bancorp announced a net income of $11.3 million, or $1.45 per diluted share, marking an increase from the previous quarter. The company also declared a 7% increase in its quarterly dividend, reflecting its strong financial performance.
Key financial highlights for the quarter include a 0.6% increase in total loans to $2.8 billion and a 2.9% rise in total deposits to $2.9 billion. The net interest margin improved to 4.04% from 3.91% in the previous quarter, driven by stable deposit costs and higher yields on loans. Despite an increase in nonperforming assets to $25.4 million, the company maintains a solid allowance for loan losses at 1.21% of total loans.
The company’s investment securities portfolio saw a slight decrease to $394.5 million, with a reduced net unrealized loss position. Shareholders’ equity rose to $408.8 million, supported by earnings and a decrease in accumulated comprehensive loss. The company also repurchased shares, with 391,072 shares remaining under the repurchase plan.
Looking ahead, Home Bancorp remains well-positioned with strong capital and liquidity. The management expresses confidence in its strategic direction, supported by a robust loan portfolio and stable financial metrics, aiming to continue delivering value to shareholders.