HOME BANCORP Business Summary

Home Bancorp, Inc. (HBCP) operates as the bank holding company for Home Bank, N.A., a regional financial institution serving South Louisiana, Western Mississippi, and the Greater Houston area. The company generates the majority of its revenue through net interest income, derived from a diversified $2.6 billion loan portfolio primarily composed of commercial real estate (45%), commercial and industrial loans (25%), and residential mortgages (20%). This is supplemented by non-interest income streams including service charges, wealth management fees, and gains on loan sales. Home Bancorp distinguishes itself through a "high-touch, high-tech" community banking model that emphasizes localized decision-making and personalized service. Its primary direct competitors include First Busey Corporation, First Financial Bancorp, Business First Bancshares, and Investar Holding Corporation, against whom Home Bancorp maintains a competitive edge via its aggressive expansion into the high-growth Texas market and a disciplined, low-cost deposit base. Originally founded in 1908 as a mutual building and loan association in Lafayette, Louisiana, the company is currently led by Chairman, President, and CEO John W. Bordelon, who has steered the institution for over 30 years. The executive team includes Senior EVP and CFO David T. Kirkley, Senior EVP and COO Mark C. Herpin, and Chief Banking Officer John J. Zollinger, IV. The leadership is supported by a board of directors featuring notable regional figures such as J. Scott Ballard, founder of Ballard Brands, and Donald W. Washington, a partner at Jones Walker LLP and former Director of the U.S. Marshals Service. The company maintains a strong institutional investor base, with significant positions held by major asset managers including JPMorgan Chase & Co., Vanguard Group, and BlackRock, reflecting confidence in its conservative credit culture and record-setting 2025 financial performance.