Home Bancorp(US:HBCP)2025-04-22 17:51Financial Performance - Home Bancorp's total assets reached $3.5 billion as of March 31, 2025[9] - Net income for Q1 2025 was $10.964 million, compared to $9.673 million in Q4 2024[13] - Diluted EPS for Q1 2025 was $1.37, up from $1.21 in Q4 2024[13] - Net interest margin (NIM) increased to 3.91% in Q1 2025 from 3.82% in Q4 2024[13] - Total deposits reached $2.827 billion as of March 31, 2025, an increase of $46.511 million QoQ and $104.629 million YoY[13, 73] Loan Portfolio - Total loans amounted to $2.7 billion[9, 29] - The annualized growth rate for total loans in YTD 2025 was 4%[29] - Houston market loans experienced a 21% annualized growth rate YTD[29] - Commercial Real Estate Owner Occupied (CRE O.O.) loans represent 26% of the total loan portfolio[28] - Commercial & Industrial (C&I) loans represent 15% of the total loans, with a total balance of $411.363 million[28, 41] Deposits and Funding - Non-interest bearing deposits make up 27% of the total deposit composition[74] - Uninsured deposits are approximately $645 million, representing 23% of total deposits[79] - The company has $1.263 billion in total primary and secondary liquidity[79] Capital Management - The company has repurchased 297,193 shares for $13.022 million as of April 17, 2025[107] - A cash dividend of $0.27 per share is payable on May 16, 2025[107]