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- Nonperforming Assets Increased 37% to $53.7 Million (new) — Nonperforming assets jumped 37% during the quarter, driven by six loan relationships totaling $19.5 million placed on nonaccrual status.
- Criticized Loans Rose to $105.0 Million (3.79% of Total Loans) (new) — Criticized loans increased to $105.0 million at September 30, 2026, up from $95.8 million at June 30, 2026.
Home Bancorp CEO John Bordelon to retire Jan 8, 2027; Darren Guidry to succeed as CEO
Filed October 19, 2026 · Period ending October 19, 2026 · ~1 min read
Key Changes
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CEO John Bordelon will retire effective January 8, 2027, remaining Chairman and a board member of both the Company and the Bank.
Item 5.02 verify on EDGAR → -
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President Darren Guidry will become CEO upon Bordelon's retirement and join both boards; his salary, annual incentive plan, and benefits will not change at this time.
Item 5.02 verify on EDGAR → -
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Q3 2026 net income fell to $10.1 million ($1.28 diluted EPS) from $11.6 million ($1.48) in Q2 2026, driven by higher noninterest expense and a larger loan-loss provision.
Item 2.02 verify on EDGAR → -
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Nonperforming assets rose 37% to $53.7 million (1.49% of total assets), with six loan relationships totaling $19.5 million placed on nonaccrual status.
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Board declared a $0.32 quarterly cash dividend, payable November 13, 2026 to shareholders of record November 2, 2026.
Item 8.01 verify on EDGAR →
Summary
Home Bancorp announced that CEO John Bordelon will retire effective January 8, 2027, with President Darren Guidry set to succeed him. Bordelon will remain Chairman and a board member of both the Company and the Bank, providing continuity during the transition. Guidry, who has been with the organization since 1993 and President since July 1, 2026, will also join both boards.
His compensation will not change at this time. The company also reported Q3 2026 results, with net income declining to $10.1 million from $11.6 million in the prior quarter. The decline was driven by higher noninterest expense and a larger loan-loss provision. Credit quality deteriorated, with nonperforming assets rising 37% to $53.7 million and criticized loans increasing to $105.0 million, or 3.79% of total loans.
Management stated it does not anticipate sizable losses from the six loan relationships placed on nonaccrual status, but the increase signals emerging credit stress. For retail holders, the CEO transition appears orderly with a clear successor, but the credit quality deterioration warrants attention. The board declared a $0.32 quarterly dividend, up from $0.31, payable November 13, 2026.
Section-by-Section Diff
Event · Item 2.02 — Results of Operations and Financial Condition
Home Bancorp announced Q3 2026 results via press release furnished as Exhibit 99.1.
Added in current filing · verify on EDGAR →
On October 19, 2026, the Registrant announced its results of operations for the quarter ended September 30, 2026.
The company disclosed its results of operations for the quarter ended September 30, 2026, via a press release furnished as Exhibit 99.1. The 8-K body does not include the actual financial figures; those are in the attached exhibit.
Event · Item 5.02 — Departure of Directors or Certain Officers; Election of Directors; Compensation
Item 5.02 — Departure of Directors or Certain Officers; Election of Directors; Compensation filed; see Key Changes for terms.
Added in current filing · verify on EDGAR →
Upon retirement, Mr. Bordelon’s outstanding unvested equity awards will continue to vest at a rate of 20% annually, provided he continues to serve as a member of the boards of directors for the Company and the Bank.
Bordelon's unvested equity will continue vesting at 20% per year as long as he remains on the boards. He will also receive his current base salary through his retirement date and remain eligible for a 2026 annual incentive award payable by March 12, 2027.
Event · Item 7.01 — Regulation FD Disclosure
Home Bancorp furnished an investor presentation as supplemental information to its press release.
Show 1 minor / wording change
Added in current filing · verify on EDGAR →
On October 19, 2026, the Registrant made available the supplemental information attached as Exhibit 99.2 prepared for use with the press release.
The company furnished an investor presentation as Exhibit 99.2 under Regulation FD. The presentation is supplemental to a press release and is not deemed filed for Exchange Act purposes.
Event · Exhibit 99.1
Home Bancorp reports Q3 2026 net income of $10.1M ($1.28 diluted EPS), down from $11.6M, and declares a $0.32 quarterly dividend.
Added in current filing · view on EDGAR →
The Company recorded a $1.0 million provision to the allowance for loan losses in the third quarter of 2026, compared to a $762,000 provision in the second quarter of 2026.
The provision increased 34% sequentially to $1.0 million, reflecting higher reserves on individually analyzed loans. The allowance for loan losses now stands at $34.4 million, or 1.24% of total loans, up from 1.22% at June 30, 2026.
Added in current filing · view on EDGAR →
The net interest margin ("NIM") was 4.19% in the third quarter of 2026 compared to 4.24% in the second quarter of 2026.
NIM declined 5 basis points to 4.19%, primarily due to credit-related interest reversals of approximately $862,000 from loans moved to nonaccrual status and higher deposit costs. Net interest income remained essentially stable at $35.9 million.
Event · Exhibit 99.2
Home Bancorp Q3 2026 earnings: net income fell to $10.1M, NIM 4.19%, criticized loans rose to 3.79% of total loans.
Added in current filing · view on EDGAR →
Net income $ 11,330 $ 12,357 $ 11,411 $ 11,360 $ 11,615 $ 10,097
Net income declined to $10.1 million in Q3 2026 from $11.6 million in Q2 2026, a sequential drop of about 13%. The company's profitability metrics also weakened, with ROA falling to 1.12% and ROE to 8.7%.
Added in current filing · view on EDGAR →
Net interest margin ("NIM") 4.04 % 4.10 % 4.06 % 4.16 % 4.24 % 4.19 %
Net interest margin was 4.19% in Q3 2026, down 5 basis points from 4.24% in Q2 2026. The decline reflects pressure on the bank's core lending profitability.
Added in current filing · view on EDGAR →
Total criticized loans $ 61,602 $ 65,755 $ 72,648 $ 95,800 $ 105,044
Criticized loans (special mention plus substandard) rose to $105.0 million at September 30, 2026, up from $95.8 million at June 30, 2026. As a percentage of total loans, criticized loans increased to 3.79% from 3.45%.
Added in current filing · view on EDGAR →
Total nonperforming loans 29,522 34,176 35,809 26,424 42,168
Nonperforming loans jumped to $42.2 million at September 30, 2026, from $26.4 million at June 30, 2026. The nonperforming loans to total loans ratio rose to 1.52% from 0.95%.
Added in current filing · view on EDGAR →
Provision (reversal) for loan losses 489 (229) 480 922 762 1,019
The provision for loan losses increased to $1.019 million in Q3 2026 from $762 thousand in Q2 2026, reflecting the deterioration in credit quality metrics.
Event · Exhibit 99.3
Added in current filing · verify on EDGAR →
Effective upon Mr. Bordelon’s retirement, Mr. Darren E. Guidry will assume the role as CEO and continue as the President of the Company and the Bank.
Darren E. Guidry, currently President of the Company and the Bank, will become CEO upon Bordelon's retirement. Guidry has served as President since July 1, 2026 and has been with the organization since 1993.
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Figures/quotes linked to EDGAR · Narrative written by AI · Oct 20, 2026 · How we verify