Home Bancorp, Inc. (HBCP) reported strong Q3 2025 financial performance marked by Net Income growth of 30.9% YoY to \(12.4M (\)1.59 Diluted EPS), with Net Interest Margin expanding to 4.10% for the quarter. Year-to-date Net Income reached $34.7M.
The balance sheet strengthened significantly through deposit growth (up 7.0% to \(2.98B) and near doubling of cash reserves to \)189.3M. Management executed substantial deleveraging, eliminating short-term Federal Home Loan Bank (FHLB) advances ($137.2M repaid), shifting funding reliance entirely to customer deposits. Total Shareholders’ Equity increased
...