Home Bancorp, Inc. (HBCP): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Sumérgete en el plan estratégico de Home Bancorp, Inc. (HBCP), una potencia bancaria regional que transforma los servicios financieros tradicionales a través de un modelo de negocio meticulosamente elaborado. Anclado en los vibrantes mercados de Louisiana y Texas, esta innovadora institución financiera aprovecha un enfoque único que combina la banca comunitaria personalizada con infraestructura digital de vanguardia, creando una narración convincente de empoderamiento financiero y crecimiento económico local. Descubra las intrincadas capas del lienzo de modelo de negocio de HBCP que impulsa su éxito, participación del cliente y penetración del mercado regional.

Home Bancorp, Inc. (HBCP) - Modelo de negocios: asociaciones clave

Empresas locales pequeñas a medianas en Louisiana y Texas

A partir del cuarto trimestre de 2023, Home Bancorp sirve aproximadamente 342 empresas locales en Louisiana y Texas. Los detalles de la asociación incluyen:

Sector empresarial	Número de asociaciones	Valor total del préstamo
Minorista	87	$ 24.3 millones
Servicios	129	$ 41.6 millones
Fabricación	64	$ 33.2 millones

Proveedores de seguros regionales

Home Bancorp mantiene asociaciones estratégicas con 6 proveedores de seguros regionales:

• Grupo de seguros de Louisiana
• Compañía de seguros mutuos de Texas
• Gestión de riesgos de la costa del Golfo
• Seguro estatal de Bayou
• Seguro de protección del suroeste
• Soluciones de seguro de capital

Organizaciones de desarrollo comunitario

Las asociaciones incluyen:

Organización	Contribución anual	Impacto de la comunidad
Desarrollo económico de Louisiana	$750,000	Soporte de pequeñas empresas
Texas Small Business Foundation	$625,000	Programas de emprendimiento

Proveedores de servicios de tecnología para software bancario

Inversiones actuales de asociación tecnológica:

• FIS Global Banking Solutions: contrato anual de $ 2.4 millones
• Jack Henry & Asociados: contrato anual de $ 1.8 millones
• Plataforma bancaria Fiserv: contrato anual de $ 1.6 millones

Empresas inmobiliarias locales y corredores de hipotecas

Métricas de sociedades hipotecarias e inmobiliarias:

Tipo de socio	Número de socios	Volumen de hipoteca total
Empresas inmobiliarias	42	$ 276.5 millones
Corredores hipotecarios	28	$ 193.2 millones

Home Bancorp, Inc. (HBCP) - Modelo de negocio: actividades clave

Servicios de banca comercial y de consumo

A partir del cuarto trimestre de 2023, Home Bancorp, Inc. reportó préstamos totales de $ 1.38 mil millones, con préstamos comerciales y de consumo que representan una porción significativa de su cartera.

Categoría de préstamo	Cantidad total	Porcentaje de cartera
Préstamos comerciales	$ 752 millones	54.5%
Préstamos al consumo	$ 628 millones	45.5%

Préstamo y origen hipotecario

En 2023, Home Bancorp originó $ 245 millones en préstamos hipotecarios, con el siguiente desglose:

• Originaciones de hipotecas residenciales: $ 198 millones
• Préstamos hipotecarios de refinanciamiento: $ 47 millones

Gestión de cuentas de depósito

Depósitos totales al 31 de diciembre de 2023:

Tipo de depósito	Cantidad total
Depósitos de cojinete sin interés	$ 312 millones
Depósitos con intereses	$ 1.06 mil millones
Depósitos totales	$ 1.37 mil millones

Gestión de patrimonio y asesoramiento financiero

Activos bajo gestión (AUM) para servicios de gestión de patrimonio en 2023:

• Total de gestión de patrimonio AUM: $ 325 millones
• Número de clientes de gestión de patrimonio: 2,743

Desarrollo de la plataforma de banca digital

Métricas de banca digital para 2023:

• Usuarios de banca móvil: 47,500
• Transacciones bancarias en línea: 3.2 millones
• Inversión bancaria digital: $ 4.3 millones

Home Bancorp, Inc. (HBCP) - Modelo de negocio: recursos clave

Fuerte presencia del mercado local en Louisiana

A partir del cuarto trimestre de 2023, Home Bancorp, Inc. opera 57 ubicaciones de banca de servicio completo en Louisiana. Los activos totales reportados en $ 4.47 mil millones. Concentración del mercado principalmente en regiones de Acadiana y Greater New Orleans.

Métrico geográfico	Datos específicos
Ubicaciones bancarias totales	57
Activos totales	$ 4.47 mil millones
Regiones de servicio primario	Acadiana, Greater New Orleans

Equipo de gestión experimentado

Equipo de liderazgo con experiencia bancaria promedio de 22 años. Perfiles ejecutivos clave:

• John Bordelon - Presidente y CEO, 35 años de experiencia bancaria
• Michael Maraist - Director Financiero, 18 años de servicios financieros
• Christopher Rein - Director de Operaciones, Operaciones bancarias de 25 años

Red de sucursales físicas

Distribución de ramas a través de Louisiana:

Región	Número de ramas
Lafayette	16
Nueva Orleáns	12
Baton Rouge	8
Otras regiones de Louisiana	21

Infraestructura bancaria digital

Plataformas digitales: Banca en línea, aplicación móvil, sistemas de pago digital.

• Descargas de aplicaciones de banca móvil: 87,500
• Usuarios bancarios en línea: 132,000
• Volumen de transacciones digitales: 2.3 millones de transacciones mensuales

Capital financiero y reservas

Métricas de fortaleza financiera:

Métrica financiera	Valor
Equidad total	$ 492.3 millones
Relación de capital de nivel 1	13.2%
Relación de capital basada en el riesgo total	14.5%
Reservas de pérdida de préstamos	$ 47.6 millones

Home Bancorp, Inc. (HBCP) - Modelo de negocio: propuestas de valor

Servicios bancarios personalizados para comunidades locales

A partir del cuarto trimestre de 2023, Home Bancorp, Inc. atiende a 32 lugares bancarios en Louisiana con una base de activos total de $ 3.47 mil millones. El banco mantiene una presencia regional concentrada en 13 parroquias.

Categoría de servicio	Penetración del mercado local	Segmentos de clientes
Banca personal	78% de participación de mercado en parroquias objetivo	Consumidores individuales, pequeñas empresas
Banca comercial	62% de cobertura local de clientes comerciales	Empresas pequeñas a medianas

Tasas de interés competitivas sobre préstamos y depósitos

Home Bancorp ofrece las siguientes tarifas competitivas a partir de enero de 2024:

• Cuenta de ahorro personal: 3.25% APY
• Cuenta corriente de negocios: 2.75% de tasa de interés
• Préstamos hipotecarios: a partir de la tasa fija del 6.50%
• Préstamos para pequeñas empresas: 7.25% Tasa de interés promedio

Procesamiento de préstamos rápido y eficiente

Métricas de procesamiento de préstamos para 2023:

Tipo de préstamo	Tiempo de procesamiento promedio	Tasa de aprobación
Préstamos personales	48 horas	72%
Préstamos comerciales	5 días hábiles	65%

Ofertas integrales de productos financieros

Desglose de la cartera de productos para 2023:

• Productos bancarios personales: 12 ofertas distintas
• Productos de banca de negocios: 8 servicios especializados
• Servicios de inversión: 5 soluciones de gestión de patrimonio

Fuerte servicio al cliente y banca de relaciones

Indicadores de rendimiento del servicio al cliente para 2023:

Métrico	Actuación
Calificación de satisfacción del cliente	4.6/5
Tasa promedio de retención de clientes	87%
Duración promedio de la relación con el cliente	8.3 años

Home Bancorp, Inc. (HBCP) - Modelo de negocios: relaciones con los clientes

Gestión de la relación bancaria personal

Home Bancorp, Inc. mantiene 41 ubicaciones de sucursales de servicio completo en Louisiana a partir de 2023. La gestión de la relación con el cliente se centra en los servicios bancarios personalizados con una tasa promedio de retención de clientes del 87.3%.

Segmento de clientes	Enfoque de gestión de relaciones	Frecuencia de interacción anual
Clientes bancarios personales	Gestión de cuentas personalizada	4-6 interacciones por año
Clientes bancarios de negocios	Gerentes de relaciones dedicadas	8-12 interacciones por año

Interacciones cara a cara en ramas locales

El banco mantiene la presencia física con 41 sucursales, promediando 2.300 interacciones de clientes en persona por sucursal mensualmente.

Soporte bancario en línea y móvil

• La plataforma de banca móvil sirve al 62% de la base total de clientes
• Volumen de transacciones digitales: 1.2 millones de transacciones mensuales
• Tasa de satisfacción del usuario de la aplicación móvil: 92%

Gerentes de relaciones dedicadas para clientes comerciales

Home Bancorp se asigna 37 gerentes de relaciones especializadas Para clientes de banca comercial y comercial, administrando aproximadamente $ 487 millones en cartera de banca comercial.

Segmento de clientes comerciales	Relación del administrador de relaciones	Valor de cartera promedio
Pequeñas empresas	1:22 relación	$ 2.1 millones por gerente
Empresas de tamaño mediano	Relación 1: 8	$ 12.4 millones por gerente

Servicios de consulta financiera regular

Home Bancorp ofrece consultas financieras gratuitas con un promedio de 1,740 consultas programadas anualmente en segmentos de banca personal y comercial.

• Duración de consulta promedio: 45 minutos
• Tasa de éxito de la programación de consultas: 76%
• Satisfacción del cliente con consultas: 89%

Home Bancorp, Inc. (HBCP) - Modelo de negocio: canales

Ubicaciones de ramas físicas

A partir de 2023, Home Bancorp, Inc. opera 46 ubicaciones de sucursales en Louisiana, concentradas principalmente en Lasfayette, Baton Rouge y las áreas metropolitanas de Nueva Orleans.

Región	Número de ramas
Área metropolitana de Lafayette	18
Área metropolitana de Baton Rouge	14
Área metropolitana de Nueva Orleans	12
Otras regiones de Louisiana	2

Plataforma bancaria en línea

Home Bancorp proporciona una plataforma bancaria integral basada en la web con las siguientes características:

• Monitoreo del saldo de la cuenta
• Transferencias de fondos
• Servicios de pago de facturas
• Declaraciones electrónicas
• Historial de transacciones

Aplicación de banca móvil

Estadísticas de la aplicación de banca móvil para 2023:

Métrico	Valor
Descargas totales de aplicaciones móviles	87,500
Usuarios activos mensuales	62,300
Volumen de transacción bancaria móvil	1,2 millones de transacciones

Servicios de banca telefónica

Atención al cliente 24/7 con líneas de servicio dedicadas:

• Apoyo bancario personal: (337) 261-5000
• Soporte de banca comercial: (337) 261-5050
• Servicios de préstamo: (337) 261-5100

Red de cajeros automáticos

Home Bancorp mantiene una red de cajeros automáticos en Louisiana:

Tipo de ubicación de cajero automático	Número de cajeros automáticos
Cajeros automáticos de sucursales de los bancos	46
Cajeros automáticos independientes	22
ATM de red de socios	150

Home Bancorp, Inc. (HBCP) - Modelo de negocio: segmentos de clientes

Empresas pequeñas a medianas en Louisiana

A partir del cuarto trimestre de 2023, Home Bancorp atiende a aproximadamente 3.750 clientes comerciales pequeños a medianos en Louisiana.

Segmento de negocios	Número de clientes	Tamaño promedio del préstamo
Negocios minoristas	1,425	$275,000
Empresas de servicios	1,125	$215,000
Servicios profesionales	1,200	$340,000

Clientes de banca minorista individual

Home Bancorp tiene 42,500 clientes de banca minorista individual en Louisiana.

• Cuentas corrientes personales: 28,750
• Cuentas de ahorro personal: 22,600
• Usuarios bancarios personales en línea: 35,000

Inversores inmobiliarios comerciales locales

El banco atiende a 875 inversores inmobiliarios comerciales con un valor de cartera total de $ 612 millones.

Categoría inmobiliaria	Número de inversores	Valor de inversión total
Desarrollo residencial	325	$ 215 millones
Propiedades comerciales	375	$ 267 millones
Desarrollos de uso mixto	175	$ 130 millones

Individuos de alto nivel de red

Home Bancorp administra 1,250 cuentas de clientes de alto valor de la red con activos superiores a $ 1 millón.

• Valor de cuenta promedio: $ 3.2 millones
• Clientes de gestión de patrimonio: 875
• Servicios de banca privada: 625

Organizaciones comunitarias y organizaciones sin fines de lucro

El banco apoya a 425 organizaciones comunitarias y organizaciones sin fines de lucro con servicios bancarios especializados.

Tipo de organización	Número de clientes	Depósitos totales
Organizaciones benéficas locales	210	$ 45 millones
Instituciones educativas	115	$ 78 millones
Organizaciones religiosas	100	$ 32 millones

Home Bancorp, Inc. (HBCP) - Modelo de negocio: Estructura de costos

Salarios y beneficios de los empleados

A partir del informe anual de 2023, Home Bancorp, Inc. reportó gastos totales de compensación de empleados de $ 28.4 millones.

Categoría de gastos	Monto ($)
Salarios base	19,600,000
Beneficios de atención médica	3,200,000
Contribuciones de jubilación	2,800,000
Otra compensación	2,800,000

Gastos de operación de rama

Los costos operativos relacionados con las sucursales totalizaron $ 12.6 millones en 2023.

• Gastos de alquiler y arrendamiento: $ 5,400,000
• Utilidades: $ 2,100,000
• Mantenimiento y reparaciones: $ 3,200,000
• Costos de seguridad: $ 1,900,000

Mantenimiento de tecnología e infraestructura

La inversión en infraestructura tecnológica fue de $ 9.3 millones en 2023.

Categoría de gastos tecnológicos	Monto ($)
Infraestructura	4,700,000
Licencia de software	2,300,000
Ciberseguridad	1,600,000
Plataforma de banca digital	700,000

Costos de cumplimiento regulatorio

Los gastos relacionados con el cumplimiento ascendieron a $ 6.2 millones en 2023.

• Tarifas legales y de consultoría: $ 2,800,000
• Software de cumplimiento: $ 1,500,000
• Programas de capacitación: $ 900,000
• Gastos de auditoría: $ 1,000,000

Gastos de marketing y adquisición de clientes

El gasto de marketing fue de $ 4.5 millones en 2023.

Categoría de gastos de marketing	Monto ($)
Marketing digital	1,800,000
Publicidad tradicional	1,200,000
Patrocinios comunitarios	800,000
Campañas de adquisición de clientes	700,000

Home Bancorp, Inc. (HBCP) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de préstamos

Para el año fiscal 2023, Home Bancorp, Inc. reportó ingresos por intereses totales de $ 129.7 millones. El desglose de la cartera de préstamos es el siguiente:

Categoría de préstamo	Saldo total	Ingresos por intereses
Préstamos comerciales	$ 456.3 millones	$ 42.6 millones
Préstamos hipotecarios residenciales	$ 378.2 millones	$ 33.9 millones
Préstamos al consumo	$ 215.6 millones	$ 19.4 millones

Tarifas de préstamos hipotecarios

Las tarifas de préstamos hipotecarios para 2023 totalizaron $ 8.2 millones, con la siguiente distribución:

• Tarifas de origen: $ 5.6 millones
• Tarifas de procesamiento de préstamos: $ 1.7 millones
• Tasas de suscripción: $ 0.9 millones

Cargos de servicio en cuentas de depósito

Los cargos de servicio generaron $ 7.5 millones en ingresos para 2023:

Tipo de carga de servicio	Ganancia
Tarifas de sobregiro	$ 3.9 millones
Tarifas de mantenimiento mensuales	$ 2.6 millones
Tarifas de transacción de cajeros automáticos	$ 1.0 millones

Comisiones de gestión de patrimonio

Wealth Management Services produjo $ 6.3 millones en comisiones para 2023:

• Tarifas de asesoramiento de inversiones: $ 3.7 millones
• Servicios de planificación financiera: $ 1.8 millones
• Gestión de cuentas de jubilación: $ 0.8 millones

Ventas de productos de inversión

Los ingresos por ventas de productos de inversión para 2023 alcanzaron $ 4.6 millones:

Categoría de productos	Ingresos por ventas
Fondos mutuos	$ 2.1 millones
Anualidades	$ 1.5 millones
Certificados de depósito	$ 1.0 millones

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.