Home Bancorp Q2 2026: Net income up 2.5% as margin expands 20bp, but NPAs rise 8.6%

Filed August 3, 2026 · Period ending June 30, 2026 · Compared to 10-Q Aug 1, 2025 · ~2 min read

Key Changes

• high

  Net interest margin expanded to 4.24% in Q2 2026 (up 20 bps YoY) and 4.20% for H1 2026 (up 22 bps YoY), driven by lower deposit costs (down 24 bps to 2.28%) and elimination of FHLB borrowings.

  MD&A: Net Interest Margin verify on EDGAR →
• high

  Nonperforming assets rose $3.1M (8.6%) to $39.2M (1.09% of assets) at June 30, 2026, driven by multiple loan relationships moving to nonaccrual (largest $1.3M). Foreclosed assets surged to $12.8M from $1.9M as three relationships totaling $12.0M transferred from nonperforming loans.

  MD&A: Asset Quality verify on EDGAR →
• high

  Special mention loans surged $22.3M (482%) to $26.9M, led by commercial real estate (up $17.0M) and C&I (up $3.9M). Substandard loans rose $7.8M (12.7%) to $68.9M, with C&I up $14.1M.

  MD&A: Criticized Loans verify on EDGAR →