Startseite Bancorp, Inc. (HBCP): Business Model Canvas

Tauchen Sie ein in die strategische Blaupause von Home Bancorp, Inc. (HBCP), einem regionalen Bankkonzern, der traditionelle Finanzdienstleistungen durch ein sorgfältig ausgearbeitetes Geschäftsmodell transformiert. Dieses innovative Finanzinstitut ist in den dynamischen Märkten von Louisiana und Texas verankert und nutzt einen einzigartigen Ansatz, der personalisiertes Community-Banking mit modernster digitaler Infrastruktur verbindet und so ein überzeugendes Narrativ von finanzieller Stärkung und lokalem Wirtschaftswachstum schafft. Entdecken Sie die komplexen Schichten des Geschäftsmodells von HBCP, die den Erfolg, die Kundenbindung und die regionale Marktdurchdringung vorantreiben.

Home Bancorp, Inc. (HBCP) – Geschäftsmodell: Wichtige Partnerschaften

Lokale kleine und mittlere Unternehmen in Louisiana und Texas

Im vierten Quartal 2023 beliefert Home Bancorp etwa 342 lokale Unternehmen in Louisiana und Texas. Zu den Partnerschaftsdetails gehören:

Unternehmenssektor	Anzahl der Partnerschaften	Gesamtkreditwert
Einzelhandel	87	24,3 Millionen US-Dollar
Dienstleistungen	129	41,6 Millionen US-Dollar
Herstellung	64	33,2 Millionen US-Dollar

Regionale Versicherungsanbieter

Home Bancorp unterhält strategische Partnerschaften mit 6 regionalen Versicherungsanbietern:

• Louisiana Versicherungsgruppe
• Texas Mutual Insurance Company
• Risikomanagement an der Golfküste
• Bayou State Insurance
• Südwestschutzversicherung
• Kapitalversicherungslösungen

Gemeinschaftsentwicklungsorganisationen

Zu den Partnerschaften gehören:

Organisation	Jährlicher Beitrag	Auswirkungen auf die Gemeinschaft
Wirtschaftsentwicklung in Louisiana	$750,000	Unterstützung für kleine Unternehmen
Texas Small Business Foundation	$625,000	Unternehmerprogramme

Technologiedienstleister für Bankensoftware

Aktuelle Investitionen in Technologiepartnerschaften:

• FIS Global Banking Solutions: Jahresvertrag über 2,4 Millionen US-Dollar
• Jack Henry & Mitarbeiter: Jahresvertrag über 1,8 Millionen US-Dollar
• Fiserv Banking Platform: Jahresvertrag über 1,6 Millionen US-Dollar

Lokale Immobilienfirmen und Hypothekenmakler

Kennzahlen für Hypotheken- und Immobilienpartnerschaften:

Partnertyp	Anzahl der Partner	Gesamthypothekenvolumen
Immobilienfirmen	42	276,5 Millionen US-Dollar
Hypothekenmakler	28	193,2 Millionen US-Dollar

Home Bancorp, Inc. (HBCP) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Verbraucherbankdienstleistungen

Im vierten Quartal 2023 meldete Home Bancorp, Inc. Gesamtkredite in Höhe von 1,38 Milliarden US-Dollar, wobei Gewerbe- und Verbraucherkredite einen erheblichen Teil ihres Portfolios ausmachen.

Kreditkategorie	Gesamtbetrag	Prozentsatz des Portfolios
Gewerbliche Kredite	752 Millionen Dollar	54.5%
Verbraucherkredite	628 Millionen Dollar	45.5%

Hypothekendarlehen und -vergabe

Im Jahr 2023 hat Home Bancorp Hypothekendarlehen in Höhe von 245 Millionen US-Dollar aufgenommen, mit folgender Aufteilung:

• Vergabe von Wohnhypotheken: 198 Millionen US-Dollar
• Refinanzierung von Hypothekendarlehen: 47 Millionen US-Dollar

Verwaltung von Einlagenkonten

Gesamteinlagen zum 31. Dezember 2023:

Einzahlungsart	Gesamtbetrag
Unverzinsliche Einlagen	312 Millionen Dollar
Verzinsliche Einlagen	1,06 Milliarden US-Dollar
Gesamteinlagen	1,37 Milliarden US-Dollar

Vermögensverwaltung und Finanzberatung

Verwaltetes Vermögen (AUM) für Vermögensverwaltungsdienstleistungen im Jahr 2023:

• Total Wealth Management AUM: 325 Millionen US-Dollar
• Anzahl der Wealth-Management-Kunden: 2.743

Entwicklung einer digitalen Banking-Plattform

Digital-Banking-Kennzahlen für 2023:

• Mobile-Banking-Nutzer: 47.500
• Online-Banking-Transaktionen: 3,2 Millionen
• Investition in digitales Banking: 4,3 Millionen US-Dollar

Home Bancorp, Inc. (HBCP) – Geschäftsmodell: Schlüsselressourcen

Starke lokale Marktpräsenz in Louisiana

Im vierten Quartal 2023 betreibt Home Bancorp, Inc. 57 Bankstandorte mit umfassendem Serviceangebot in ganz Louisiana. Die Gesamtaktiva belaufen sich auf 4,47 Milliarden US-Dollar. Marktkonzentration hauptsächlich in den Regionen Acadiana und Greater New Orleans.

Geografische Metrik	Spezifische Daten
Gesamtzahl der Bankstandorte	57
Gesamtvermögen	4,47 Milliarden US-Dollar
Primäre Serviceregionen	Acadiana, Großraum New Orleans

Erfahrenes Management-Team

Führungsteam mit durchschnittlicher Bankerfahrung von 22 Jahren. Wichtige Führungsprofile:

• John Bordelon – Präsident und CEO, 35 Jahre Bankerfahrung
• Michael Maraist – Finanzvorstand, 18 Jahre Erfahrung im Finanzdienstleistungsbereich
• Christopher Rein – Chief Operating Officer, 25 Jahre im Bankgeschäft

Physisches Filialnetz

Filialverteilung in ganz Louisiana:

Region	Anzahl der Filialen
Lafayette	16
New Orleans	12
Baton Rouge	8
Andere Louisiana-Regionen	21

Digitale Banking-Infrastruktur

Digitale Plattformen: Online-Banking, mobile Anwendungen, digitale Zahlungssysteme.

• Mobile-Banking-App-Downloads: 87.500
• Online-Banking-Nutzer: 132.000
• Digitales Transaktionsvolumen: 2,3 Millionen monatliche Transaktionen

Finanzkapital und Reserven

Kennzahlen zur Finanzkraft:

Finanzkennzahl	Wert
Gesamteigenkapital	492,3 Millionen US-Dollar
Kernkapitalquote	13.2%
Gesamte risikobasierte Kapitalquote	14.5%
Rückstellungen für Kreditverluste	47,6 Millionen US-Dollar

Home Bancorp, Inc. (HBCP) – Geschäftsmodell: Wertversprechen

Personalisierte Bankdienstleistungen für lokale Gemeinschaften

Im vierten Quartal 2023 bedient Home Bancorp, Inc. 32 Bankstandorte in ganz Louisiana mit einer Gesamtvermögensbasis von 3,47 Milliarden US-Dollar. Die Bank unterhält eine konzentrierte regionale Präsenz in 13 Gemeinden.

Servicekategorie	Lokale Marktdurchdringung	Kundensegmente
Persönliches Banking	78 % Marktanteil in den Zielgemeinden	Einzelverbraucher, Kleinunternehmen
Kommerzielles Banking	62 % Abdeckung lokaler Geschäftskunden	Kleine bis mittlere Unternehmen

Wettbewerbsfähige Zinssätze für Kredite und Einlagen

Home Bancorp bietet ab Januar 2024 die folgenden wettbewerbsfähigen Tarife an:

• Persönliches Sparkonto: 3,25 % APY
• Geschäfts-Girokonto: 2,75 % Zinssatz
• Hypothekendarlehen: Ab 6,50 % Festzins
• Kleinunternehmenskredite: durchschnittlicher Zinssatz von 7,25 %

Schnelle und effiziente Kreditbearbeitung

Kennzahlen zur Kreditbearbeitung für 2023:

Darlehenstyp	Durchschnittliche Bearbeitungszeit	Zustimmungsrate
Privatkredite	48 Stunden	72%
Geschäftskredite	5 Werktage	65%

Umfassende Finanzproduktangebote

Aufschlüsselung des Produktportfolios für 2023:

• Privatbankprodukte: 12 verschiedene Angebote
• Business-Banking-Produkte: 8 spezialisierte Dienstleistungen
• Investment Services: 5 Vermögensverwaltungslösungen

Starker Kundenservice und Relationship Banking

Leistungsindikatoren für den Kundenservice für 2023:

Metrisch	Leistung
Bewertung der Kundenzufriedenheit	4.6/5
Durchschnittliche Kundenbindungsrate	87%
Durchschnittliche Dauer der Kundenbeziehung	8,3 Jahre

Home Bancorp, Inc. (HBCP) – Geschäftsmodell: Kundenbeziehungen

Persönliches Bankbeziehungsmanagement

Home Bancorp, Inc. unterhält ab 2023 41 Full-Service-Filialen in ganz Louisiana. Das Kundenbeziehungsmanagement konzentriert sich auf personalisierte Bankdienstleistungen mit einer durchschnittlichen Kundenbindungsrate von 87,3 %.

Kundensegment	Beziehungsmanagement-Ansatz	Jährliche Interaktionshäufigkeit
Persönliche Bankkunden	Personalisierte Kontoverwaltung	4-6 Interaktionen pro Jahr
Geschäftsbankkunden	Engagierte Beziehungsmanager	8-12 Interaktionen pro Jahr

Persönliche Interaktionen in lokalen Filialen

Die Bank ist mit 41 Filialen physisch präsent und verzeichnet durchschnittlich 2.300 persönliche Kundenkontakte pro Filiale pro Monat.

Online- und Mobile-Banking-Unterstützung

• Die Mobile-Banking-Plattform bedient 62 % des gesamten Kundenstamms
• Digitales Transaktionsvolumen: 1,2 Millionen monatliche Transaktionen
• Zufriedenheitsrate der Nutzer mobiler Apps: 92 %

Dedizierte Kundenbetreuer für Geschäftskunden

Home Bancorp vergibt 37 spezialisierte Kundenberater für gewerbliche und geschäftliche Bankkunden und verwaltet ein Geschäftsbankportfolio von rund 487 Millionen US-Dollar.

Geschäftskundensegment	Relationship-Manager-Verhältnis	Durchschnittlicher Portfoliowert
Kleine Unternehmen	Verhältnis 1:22	2,1 Millionen US-Dollar pro Manager
Mittelständische Unternehmen	Verhältnis 1:8	12,4 Millionen US-Dollar pro Manager

Regelmäßige Finanzberatungsdienste

Home Bancorp bietet kostenlose Finanzberatungen mit durchschnittlich 1.740 geplanten Beratungen pro Jahr in den Segmenten Privat- und Geschäftsbanking an.

• Durchschnittliche Beratungsdauer: 45 Minuten
• Erfolgsquote bei der Beratungsplanung: 76 %
• Kundenzufriedenheit mit Beratungen: 89 %

Home Bancorp, Inc. (HBCP) – Geschäftsmodell: Kanäle

Physische Zweigstellen

Ab 2023 betreibt Home Bancorp, Inc. 46 Filialen in ganz Louisiana, hauptsächlich in den Ballungsräumen Lafayette, Baton Rouge und New Orleans.

Region	Anzahl der Filialen
Metropolregion Lafayette	18
Metropolregion Baton Rouge	14
Metropolregion New Orleans	12
Andere Louisiana-Regionen	2

Online-Banking-Plattform

Home Bancorp bietet eine umfassende webbasierte Banking-Plattform mit den folgenden Funktionen:

• Überwachung des Kontostands
• Geldtransfers
• Rechnungszahlungsdienste
• E-Kontoauszüge
• Transaktionsverlauf

Mobile-Banking-Anwendung

Statistiken zur Mobile-Banking-App für 2023:

Metrisch	Wert
Gesamtzahl der Downloads mobiler Apps	87,500
Monatlich aktive Benutzer	62,300
Transaktionsvolumen im Mobile Banking	1,2 Millionen Transaktionen

Telefon-Banking-Dienste

Kundensupport rund um die Uhr mit speziellen Service-Hotlines:

• Persönlicher Banking-Support: (337) 261-5000
• Business-Banking-Unterstützung: (337) 261-5050
• Kreditdienste: (337) 261-5100

ATM-Netzwerk

Home Bancorp unterhält ein Netzwerk von Geldautomaten in ganz Louisiana:

Typ des Geldautomatenstandorts	Anzahl Geldautomaten
Bankeigene Filialen-Geldautomaten	46
Eigenständige Geldautomaten	22
Geldautomaten des Partnernetzwerks	150

Home Bancorp, Inc. (HBCP) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen in Louisiana

Im vierten Quartal 2023 betreut Home Bancorp etwa 3.750 kleine und mittlere Geschäftskunden in Louisiana.

Geschäftssegment	Anzahl der Kunden	Durchschnittliche Kredithöhe
Einzelhandelsunternehmen	1,425	$275,000
Dienstleistungsunternehmen	1,125	$215,000
Professionelle Dienstleistungen	1,200	$340,000

Privatkunden im Privatkundengeschäft

Home Bancorp hat 42.500 private Privatkunden in ganz Louisiana.

• Persönliche Girokonten: 28.750
• Persönliche Sparkonten: 22.600
• Persönliche Online-Banking-Benutzer: 35.000

Lokale gewerbliche Immobilieninvestoren

Die Bank betreut 875 gewerbliche Immobilieninvestoren mit einem Gesamtportfoliowert von 612 Millionen US-Dollar.

Kategorie Immobilien	Anzahl der Investoren	Gesamtinvestitionswert
Wohnbebauung	325	215 Millionen Dollar
Gewerbeimmobilien	375	267 Millionen Dollar
Mixed-Use-Entwicklungen	175	130 Millionen Dollar

Vermögende Privatpersonen

Home Bancorp verwaltet 1.250 vermögende Kundenkonten mit einem Vermögen von über 1 Million US-Dollar.

• Durchschnittlicher Kontowert: 3,2 Millionen US-Dollar
• Wealth-Management-Kunden: 875
• Private Banking-Dienstleistungen: 625

Gemeinschaftsorganisationen und gemeinnützige Organisationen

Die Bank unterstützt 425 Gemeinschaftsorganisationen und gemeinnützige Organisationen mit spezialisierten Bankdienstleistungen.

Organisationstyp	Anzahl der Kunden	Gesamteinlagen
Lokale Wohltätigkeitsorganisationen	210	45 Millionen Dollar
Bildungseinrichtungen	115	78 Millionen Dollar
Religiöse Organisationen	100	32 Millionen Dollar

Home Bancorp, Inc. (HBCP) – Geschäftsmodell: Kostenstruktur

Gehälter und Leistungen der Mitarbeiter

Im Jahresbericht 2023 meldete Home Bancorp, Inc. einen Gesamtaufwand für die Mitarbeitervergütung in Höhe von 28,4 Millionen US-Dollar.

Ausgabenkategorie	Betrag ($)
Grundgehälter	19,600,000
Gesundheitsleistungen	3,200,000
Altersvorsorgebeiträge	2,800,000
Sonstige Vergütung	2,800,000

Betriebskosten der Filiale

Die filialbezogenen Betriebskosten beliefen sich im Jahr 2023 auf insgesamt 12,6 Millionen US-Dollar.

• Miet- und Pachtkosten: 5.400.000 $
• Nebenkosten: 2.100.000 $
• Wartung und Reparaturen: 3.200.000 $
• Sicherheitskosten: 1.900.000 US-Dollar

Wartung von Technologie und Infrastruktur

Die Investitionen in die Technologieinfrastruktur beliefen sich im Jahr 2023 auf 9,3 Millionen US-Dollar.

Kategorie der Technologieausgaben	Betrag ($)
IT-Infrastruktur	4,700,000
Softwarelizenzierung	2,300,000
Cybersicherheit	1,600,000
Digitale Banking-Plattform	700,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Compliance-bezogenen Ausgaben beliefen sich im Jahr 2023 auf 6,2 Millionen US-Dollar.

• Rechts- und Beratungskosten: 2.800.000 USD
• Compliance-Software: 1.500.000 US-Dollar
• Schulungsprogramme: 900.000 US-Dollar
• Prüfungskosten: 1.000.000 US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben beliefen sich im Jahr 2023 auf 4,5 Millionen US-Dollar.

Kategorie der Marketingausgaben	Betrag ($)
Digitales Marketing	1,800,000
Traditionelle Werbung	1,200,000
Gemeinschaftspatenschaften	800,000
Kampagnen zur Kundengewinnung	700,000

Home Bancorp, Inc. (HBCP) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Darlehen

Für das Geschäftsjahr 2023 meldete Home Bancorp, Inc. einen Gesamtzinsertrag von 129,7 Millionen US-Dollar. Das Kreditportfolio gliedert sich wie folgt:

Kreditkategorie	Gesamtsaldo	Zinserträge
Gewerbliche Kredite	456,3 Millionen US-Dollar	42,6 Millionen US-Dollar
Hypothekendarlehen für Wohnimmobilien	378,2 Millionen US-Dollar	33,9 Millionen US-Dollar
Verbraucherkredite	215,6 Millionen US-Dollar	19,4 Millionen US-Dollar

Gebühren für Hypothekendarlehen

Die Gebühren für Hypothekendarlehen beliefen sich im Jahr 2023 auf insgesamt 8,2 Millionen US-Dollar, mit folgender Verteilung:

• Erstellungsgebühren: 5,6 Millionen US-Dollar
• Kreditbearbeitungsgebühren: 1,7 Millionen US-Dollar
• Zeichnungsgebühren: 0,9 Millionen US-Dollar

Servicegebühren für Einlagenkonten

Servicegebühren generierten im Jahr 2023 einen Umsatz von 7,5 Millionen US-Dollar:

Art der Servicegebühr	Einnahmen
Überziehungsgebühren	3,9 Millionen US-Dollar
Monatliche Wartungsgebühren	2,6 Millionen US-Dollar
Gebühren für Geldautomatentransaktionen	1,0 Millionen US-Dollar

Vermögensverwaltungskommissionen

Vermögensverwaltungsdienste generierten im Jahr 2023 Provisionen in Höhe von 6,3 Millionen US-Dollar:

• Anlageberatungsgebühren: 3,7 Millionen US-Dollar
• Finanzplanungsdienste: 1,8 Millionen US-Dollar
• Rentenkontoverwaltung: 0,8 Millionen US-Dollar

Verkauf von Anlageprodukten

Der Umsatz aus dem Verkauf von Anlageprodukten erreichte im Jahr 2023 4,6 Millionen US-Dollar:

Produktkategorie	Umsatzerlöse
Investmentfonds	2,1 Millionen US-Dollar
Renten	1,5 Millionen Dollar
Einlagenzertifikate	1,0 Millionen US-Dollar

Home Bancorp, Inc. (HBCP) - Canvas Business Model: Value Propositions

You're looking at the core value Home Bancorp, Inc. (HBCP) delivers to its customers and shareholders as of late 2025. It's about being a deeply rooted, reliable financial engine for families and businesses in its specific markets.

The bank positions itself as a community-focused, trusted financial partner for families and businesses. This isn't just talk; Home Bank N.A. was originally organized in 1908 and is the oldest financial institution founded in Lafayette Parish, Louisiana. You see this commitment in its geographic focus, serving South Louisiana, Natchez, Mississippi, and the Greater Houston area, with Acadiana and New Orleans each representing 28% of its loan portfolio concentration.

The financial performance in the second quarter of 2025 clearly demonstrates the value being generated from this strategy, especially through effective asset management. Here's a quick look at the key performance indicators that underpin this value proposition:

Metric	Value (Q2 2025)	Comparison/Context
Net Interest Margin (NIM)	4.04%	Expanded from 3.91% in Q1 2025.
Average Loan Yield	6.50%	Up 7 basis points from Q1 2025.
Annualized Loan Growth	3%	Total loans were $2.8 billion at June 30, 2025.
Quarterly Dividend Increase	7%	Announced increase for Q2 2025.

For businesses, a key value is the stability and diversification of the loan book, which suggests prudent underwriting. You can see this in the portfolio mix:

• Owner-occupied commercial real estate makes up 26% of the total loan portfolio.
• 1-4 family mortgages account for 18%.
• Non-owner-occupied commercial real estate is also at 18%.
• Commercial and industrial loans represent 15%.

For shareholders, the value proposition centers on consistent, growing returns. Home Bancorp, Inc. demonstrated this commitment by raising its quarterly dividend by 7% in Q2 2025. The declared dividend was $0.29 per share payable on August 15, 2025. This action, paired with a strong capital position, shows they are focused on rewarding ownership. Tangible book value per share reached $41.54 as of June 30, 2025. The bank also has a solid allowance for loan losses to total loans of 1.21%.

The operational efficiency is also part of the value delivered, meaning more revenue flows through to the bottom line. The efficiency ratio improved to 60.5% in Q2 2025, better than 64.3% in Q1 2024. Plus, net income for the quarter hit $11.3 million. Defintely, the focus on NIM expansion is paying off. Finance: draft 13-week cash view by Friday.

Home Bancorp, Inc. (HBCP) - Canvas Business Model: Customer Relationships

You're looking at how Home Bancorp, Inc. connects with the people and businesses it serves across its footprint. The relationship focus is deeply rooted in its regional bank structure, which means you get a more personal touch than you might at a national chain.

Personalized, local service model typical of a regional bank

• Home Bancorp, N.A. is headquartered in Lafayette, Louisiana, and serves markets including South Louisiana, Natchez, Mississippi, and the Greater Houston area.
• The bank's loan portfolio concentration as of June 30, 2025, shows its local market focus:

Geographic Market	Loan Portfolio Concentration (as of 6/30/2025)
Acadiana	28%
New Orleans	28%
Houston	20%
Northshore	13%
Baton Rouge	10%

The bank's total assets reached $3.49 billion as of June 30, 2025, supported by total deposits of $2.91 billion in the same period.

Dedicated relationship managers for commercial and industrial clients

The bank relies on its relationship managers to drive quality loan production, which is evident in its credit quality metrics. The low amount of classified assets is a testament to the quality credit brought in by these Relationship Managers. The commercial focus is clear from the loan mix:

Loan Type	Portfolio Percentage (as of 6/30/2025)
Owner-occupied Commercial Real Estate (CRE)	26%
Commercial and Industrial (C&I) Loans	15%
Construction and Development Loans	12%

The C&I segment, directly managed by relationship teams, represents 15% of the total loan portfolio as of June 30, 2025. The bank reported diluted Earnings Per Share (EPS) of $1.59 for the quarter ending September 30, 2025.

Automated self-service via digital and mobile banking platforms

While Home Bancorp, Inc. emphasizes local service, it supports this with digital tools. The bank's operational environment sees digital banking users in the U.S. expected to reach 216.8 million by 2025. Over 83% of U.S. adults used digital banking services as of 2025. The bank's total assets stood at $3.49 billion at the end of Q2 2025.

High-touch advisory for complex commercial real estate loans

Complex CRE lending requires dedicated advisory. Owner-occupied CRE makes up the largest single segment of the loan portfolio at 26% as of June 30, 2025. The bank's total loans were $2.8 billion at that date. The bank's Tier 1 leverage ratio was 11.5% as of June 30, 2025, showing a strong capital base to support these complex transactions.

Transactional service for retail deposit and consumer loan products

Retail customers engage transactionally for standard products. Deposits grew at an 11% annual rate leading into Q2 2025. The bank declared a quarterly dividend of $0.31 per share, paid on November 14th, representing a $1.24 annualized dividend and a yield of 2.2% as of late 2025. The P/E ratio for Home Bancorp, Inc. was 10.11.

Home Bancorp, Inc. (HBCP) - Canvas Business Model: Channels

You're looking at how Home Bancorp, Inc. gets its products and services-loans, deposits, and advice-to its customers across its footprint. The channel strategy is a mix of traditional brick-and-mortar presence and digital access points.

The physical branch network is concentrated in its core markets. As of mid-July 2025, Home Bancorp operates a total of 43 locations across Southern Louisiana, Western Mississippi, and the Houston area. This physical presence is key for relationship banking, especially for commercial clients.

Geographic Market	Presence Type	Notes
South Louisiana	Multiple Branch Locations	Core market, headquarters in Lafayette, Louisiana.
Natchez, Mississippi	Branch Locations	Part of the expanded service area.
Greater Houston Area, Texas	Branch Locations & Office	Includes a dedicated Commercial Banking Office in North Houston.

For customers needing immediate access outside of branch hours, Home Bancorp, Inc. provides digital channels. You can access services 24/7 through their online and mobile banking platforms. The bank's website is www.home24bank.com. While specific 2025 digital adoption metrics aren't public in these releases, the bank's deposit base, which reached $3.0 billion as of September 30, 2025, relies on these platforms for servicing.

Commercial outreach is driven by dedicated personnel. The structure includes loan officers and business development teams focused on growing the commercial loan portfolio, which stood at $2.7 billion at March 31, 2025. The existence of the Commercial Banking Office in North Houston serves as a physical hub for this commercial channel in the Texas market.

Access to cash and basic transactions is supported through a network of ATMs. Home Bancorp, Inc. also participates in third-party payment networks to extend this reach for its customers. Specific counts for owned ATMs or network participation fees aren't detailed in the latest earnings summaries.

Shareholder communication is managed through a distinct digital channel. The Investor Relations website, located at https://home24bank.investorroom.com, is where the company posts key updates. For instance, the earnings release and investor presentation for the third quarter ended September 30, 2025, were posted there on Monday, October 20, 2025. The company also uses this site to post conference call replays and transcripts.

The primary ways investors connect for formal updates include:

• Investor Relations website: https://home24bank.investorroom.com
• Q3 2025 Conference Call Dial-in (U.S. Toll Free): 1.800.836.8184
• Q3 2025 Conference Dial-in (U.S. Local/International): 1.646.357.8785
• The bank's general website: www.home24bank.com

Finance: draft 13-week cash view by Friday.

Home Bancorp, Inc. (HBCP) - Canvas Business Model: Customer Segments

You're looking at the core groups Home Bancorp, Inc. (HBCP) serves across its markets in South Louisiana, Natchez, Mississippi, and the Greater Houston area, including a Commercial Banking Office in North Houston. The business model centers on relationship banking for individuals and local businesses.

Retail customers and families seeking mortgages and deposit accounts form a foundational segment. As of March 31, 2025, total deposits for Home Bancorp, Inc. stood at $2.8 billion, with non-maturity deposits reaching $2.1 billion. Non-interest-bearing deposits, a key indicator of strong relationship banking, increased by $22 million in Q1 2025 and comprised 27% of total deposits at that time. The total loan portfolio, which includes mortgages, was $2.7 billion at the end of Q1 2025. New loan originations in Q1 2025 carried a blended contractual rate of 7.4%, compared to the existing portfolio yield of 6.43%.

Small to medium-sized businesses (SMBs) needing commercial loans and treasury services are targeted for growth. Home Bancorp, Inc. guided for period-end total loans held for investment (HFI) to grow in the mid-single-digits for full-year 2025, with growth primarily focused on higher-yielding commercial loans. This focus is supported by a strong capital position, with total shareholders' equity reported at $423.0 million as of September 30, 2025.

Commercial Real Estate (CRE) investors and developers are served within the broader commercial lending focus. The bank's guidance for 2025 emphasized growth in commercial loans. The overall loan portfolio is 59% fixed, which offers yield protection.

The segment for High-net-worth individuals for wealth management is implied by the regional bank model serving established communities, though specific wealth management asset figures aren't explicitly detailed in the latest reports. The bank reported a Net Interest Margin (NIM) of 3.91% in Q1 2025, expanding from 3.82% in Q4 2024.

Public entities requiring secured public deposits are a distinct segment requiring collateralization. Home Bancorp, Inc. had $142.0 million of securities pledged to secure public deposits as of March 31, 2025. Approximately 35% of the investment securities portfolio was pledged for this purpose at that date.

Here's a quick look at the balance sheet context as of late 2025 reporting periods:

Metric	Date	Amount
Total Assets	September 30, 2025	$3.5 billion
Total Deposits	September 30, 2025	$3.0 billion
Total Loans (HFI)	March 31, 2025	$2.7 billion
Securities Pledged for Public Deposits	March 31, 2025	$142.0 million
Net Income	Q1 2025	$11.0 million

The customer base is served through a network of 70+ branches strategically located in their operating footprint.

• Retail and family banking for mortgages and deposits.
• SMBs needing commercial loans and treasury services.
• CRE investors and developers.
• Public entities requiring secured deposits.

The bank reported an actual Earnings Per Share (EPS) of $1.59 for Q3 2025.

Finance: draft 13-week cash view by Friday.

Home Bancorp, Inc. (HBCP) - Canvas Business Model: Cost Structure

You're looking at the core costs Home Bancorp, Inc. (HBCP) is managing to keep the lights on and the balance sheet running as of late 2025. For a regional bank, the cost of funds and personnel are usually the biggest levers.

The cost structure is heavily influenced by funding costs. Home Bancorp, Inc. reported an average interest-bearing deposit rate of 2.51% in Q1 2025. That rate directly impacts the largest variable cost for any bank.

Personnel is a significant fixed cost. As of the end of 2024, Home Bancorp, Inc. reported having 481 employees. This headcount supports their operations across South Louisiana and Western Mississippi.

The cost of running the physical footprint and back office-General and Administrative expenses, including branch operations-is bundled into the overall noninterest expense. For the first quarter of 2025, Home Bancorp, Inc. reported total noninterest expenses of $21.6 million, which was a 3% decrease from the prior quarter, largely due to reduced compensation and benefits expenses.

Credit quality management requires setting aside funds for potential future loan defaults. The Provision for loan losses recorded in Q1 2025 was $394,000. At the end of that quarter, the allowance for loan losses stood at $33.3 million, representing 1.21% of total loans.

Digital platforms are a necessary, though often less visible, cost center. Technology and data processing costs for digital platforms are included within the noninterest expenses, but a specific standalone dollar amount for this category isn't broken out in the high-level reporting.

Here is a quick look at the key cost-related metrics we have for Home Bancorp, Inc. from the Q1 2025 period:

Cost Component/Metric	Financial Number/Statistic
Average Interest-Bearing Deposit Rate (Q1 2025)	2.51%
Total Employees (as of Dec 31, 2024)	481
Total Noninterest Expense (Q1 2025)	$21.6 million
Provision for Loan Losses (Q1 2025)	$394,000
Allowance for Loan Losses to Total Loans (Mar 31, 2025)	1.21%

You can see the major cost drivers are the interest paid on deposits and the salaries for the 481 team members.

• Personnel costs are a component of the $21.6 million in noninterest expenses for Q1 2025.
• General and administrative expenses are also captured within that $21.6 million total.
• The provision for loan losses was $394,000 for the quarter.
• Technology costs are embedded within the noninterest expense structure.

Finance: draft 13-week cash view by Friday.

Home Bancorp, Inc. (HBCP) - Canvas Business Model: Revenue Streams

The revenue streams for Home Bancorp, Inc. are fundamentally driven by traditional banking activities, centered on the spread between interest earned on assets and interest paid on liabilities, supplemented by various fees for services rendered.

Net Interest Income (NII) remains the core engine. You saw that NII was reported at $33.4 million in the second quarter of 2025, which was up from $31.7 million in the first quarter of 2025. More recently, for the third quarter of 2025, NII totaled $34.1 million, showing a sequential increase of 2%, or $755,000. This expansion was supported by the Net Interest Margin (NIM) reaching 4.10% in Q3 2025, up from 4.04% in Q2 2025.

Interest on loans constitutes the largest component of the interest income. The average loan yield for Home Bancorp, Inc. was 6.53% for the third quarter of 2025, which was an increase of 3 basis points from the second quarter of 2025. For context on new business, loan yields on new originations in Q2 2025 were 7.44%. Loans totaled $2.7 billion at September 30, 2025.

Interest and dividends from the investment securities portfolio contribute to the overall interest income. While a direct dollar amount for this segment isn't always isolated from the total NII, we know that approximately 36% of the investment securities portfolio was pledged as of June 30, 2025, to secure public deposits.

Non-interest income provides diversification to the revenue base. For the third quarter of 2025, noninterest income totaled $3.7 million, which was an increase of 1%, or $22,000, from the second quarter of 2025. This income stream is comprised of several elements, including service charges, fees, and gains from asset sales.

Specific components contributing to non-interest income include loan origination and servicing fees, which are partially captured within the reported figures. For instance, the Q3 2025 non-interest income saw a gain on sale of loans increase by $30,000 compared to Q2 2025. Furthermore, loan accretion income from acquired loans was $347,000 for the third quarter of 2025.

Here's a quick look at the key revenue metrics for Home Bancorp, Inc. comparing the second and third quarters of 2025:

Revenue Metric	Q2 2025 Amount	Q3 2025 Amount
Net Interest Income (NII)	$33.4 million	$34.1 million
Total Revenue (Reported/Implied)	$37.1 million	Implied higher than Q2 due to NII increase
Noninterest Income	Approx. $3.678 million	$3.7 million
Loan Accretion Income	Approx. $356,000	$347,000

The non-interest income stream is detailed by the following changes between Q2 2025 and Q3 2025:

• Service fees and charges increased by $63,000.
• Gain on sale of loans increased by $30,000.
• Other income increased by $25,000.
• Bank card fees decreased by $104,000.

The overall revenue picture for Home Bancorp, Inc. is heavily weighted toward the net interest margin, but non-interest income, including fees, provides a necessary, albeit smaller, stream. Finance: draft Q4 2025 revenue projection by next Tuesday.