Home Bancorp reports Q1 EPS $1.45, consensus $1.39

Reports Q1 NII $34.5M, consensus $33.4M. Q1 net interest margin was 4.16% from 4.06% in the previous quarter and 3.91% last year. Preliminary Tier 1 leverage capital and total risk-based capital ratios were 12.11% and 15.65%, respectively, at March 31, 2026, compared to 11.84% and 15.29%, respectively, at December 31, 2025. Tangible book value per share was $46.04 from $44.84 at quarter end. “In March 2026, we opened our newest full-service location in Tomball, TX,” said CEO John Bordelon. “We are pleased with our financial results for the first quarter. While loan production remained down during the quarter, deposit growth increased and reduced our loan to deposit ratio to 90%. Financial metrics remained strong with ROA increasing to 1.30% and a ten-basis point NIM expansion to 4.16% for the quarter. Credit metrics reflect an increase in nonperforming and criticized loans during the quarter, but we do not anticipate material losses. We remain focused on proactively identifying and resolving problem loans as quickly as possible. We are confident that our teams have the ability to broaden meaningful relationships with our customers across all our markets throughout the remainder of the year.”