Home Bancorp(HBCP) - 2024 Q2 - Earnings Call Presentation

(1) See appendix for reconciliation of Non-GAAP items. CRE O.O., 25% C&I, 16% CRE N.O.O., 21% 1-4 Mortgage, 17% C&D, 12% Multifamily, 5% Home Equity, 3%Consumer, 1% Composition Market Diversification Non-Owner Occupied CRE • Approximately 20.7% of total loans $1.2 million Houston Baton Rouge Northshore Acadiana New Orleans C&D Portfolio Historic Charge-off (Recovery Rate) 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 Jun-24 YTD (0.25)% —% 0.25% 0.50% 0.75% 1.00% | 10 Criticized ...