Home Bancorp, Inc. (HBCP): Business Model Canvas [Jan-2025 Mis à jour]

Plongez dans le plan stratégique de Home Bancorp, Inc. (HBCP), une centrale bancaire régionale qui transforme les services financiers traditionnels grâce à un modèle commercial méticuleusement conçu. Ancré dans les marchés dynamiques de la Louisiane et du Texas, cette institution financière innovante tire parti d'une approche unique qui mélange la banque communautaire personnalisée avec des infrastructures numériques de pointe, créant un récit convaincant d'autonomisation financière et de croissance économique locale. Découvrez les couches complexes de la toile du modèle commercial de HBCP qui stimule son succès, son engagement client et sa pénétration régionale du marché.

Home Bancorp, Inc. (HBCP) - Modèle commercial: partenariats clés

Antaines locales de petites et moyennes en Louisiane et au Texas

Au quatrième trimestre 2023, Home Bancorp dessert environ 342 entreprises locales de la Louisiane et du Texas. Les détails du partenariat comprennent:

Secteur des affaires	Nombre de partenariats	Valeur totale du prêt
Vente au détail	87	24,3 millions de dollars
Services	129	41,6 millions de dollars
Fabrication	64	33,2 millions de dollars

Assureurs régionaux

Home Bancorp maintient des partenariats stratégiques avec 6 fournisseurs d'assurance régionaux:

• Groupe d'assurance Louisiane
• Texas Mutual Insurance Company
• Gestion des risques de la côte du Golfe
• Assurance de l'État de Bayou
• Southwest Protection Assurance
• Solutions d'assurance capitale

Organisations de développement communautaire

Les partenariats comprennent:

Organisation	Contribution annuelle	Impact communautaire
Développement économique de la Louisiane	$750,000	Soutien aux petites entreprises
Texas Small Business Foundation	$625,000	Programmes d'entrepreneuriat

Fournisseurs de services technologiques pour les logiciels bancaires

Investissements actuels de partenariat technologique:

• FIS Global Banking Solutions: 2,4 millions de dollars Contrat annuel
• Jack Henry & Associés: contrat annuel de 1,8 million de dollars
• Plateforme bancaire Fiserv: contrat annuel de 1,6 million de dollars

Entreprises immobilières locales et courtiers hypothécaires

Mesures de partenariat hypothécaire et immobilier:

Type de partenaire	Nombre de partenaires	Volume total de l'hypothèque
Entreprises immobilières	42	276,5 millions de dollars
Courtiers en hypothèques	28	193,2 millions de dollars

Home Bancorp, Inc. (HBCP) - Modèle d'entreprise: Activités clés

Services bancaires commerciaux et grand public

Au quatrième trimestre 2023, Home Bancorp, Inc. a déclaré des prêts totaux de 1,38 milliard de dollars, les prêts commerciaux et consommateurs représentant une partie importante de leur portefeuille.

Catégorie de prêt	Montant total	Pourcentage de portefeuille
Prêts commerciaux	752 millions de dollars	54.5%
Prêts à la consommation	628 millions de dollars	45.5%

Prêts hypothécaires et origine

En 2023, Home Bancorp a créé 245 millions de dollars de prêts hypothécaires, avec la ventilation suivante:

• Originations hypothécaires résidentielles: 198 millions de dollars
• Prêts hypothécaires de refinancement: 47 millions de dollars

Gestion des comptes de dépôt

Dépôts totaux au 31 décembre 2023:

Type de dépôt	Montant total
Dépôts d'intérêt sans intérêt	312 millions de dollars
Dépôts porteurs d'intérêt	1,06 milliard de dollars
Dépôts totaux	1,37 milliard de dollars

Gestion de la patrimoine et avis financier

Actifs sous gestion (AUM) pour les services de gestion de patrimoine en 2023:

• Total Wealth Management Aum: 325 millions de dollars
• Nombre de clients de gestion de patrimoine: 2 743

Développement de la plate-forme bancaire numérique

Métriques bancaires numériques pour 2023:

• Utilisateurs de la banque mobile: 47 500
• Transactions bancaires en ligne: 3,2 millions
• Investissement bancaire numérique: 4,3 millions de dollars

Home Bancorp, Inc. (HBCP) - Modèle d'entreprise: Ressources clés

Forte présence du marché local en Louisiane

Au quatrième trimestre 2023, Home Bancorp, Inc. exploite 57 sites bancaires à service complet de la Louisiane. Le total des actifs déclarés à 4,47 milliards de dollars. Concentration du marché principalement à Acadiana et aux grandes régions de la Nouvelle-Orléans.

Métrique géographique	Données spécifiques
Emplacements bancaires totaux	57
Actif total	4,47 milliards de dollars
Régions de service primaire	Acadiana, Grand Nouvelle-Orléans

Équipe de gestion expérimentée

Équipe de direction avec une expérience bancaire moyenne de 22 ans. Profils exécutifs clés:

• John Bordelon - Président et chef de la direction, 35 ans d'expérience bancaire
• Michael Maraist - directeur financier, 18 ans de services financiers
• Christopher Rein - chef de l'exploitation, 25 ans d'opérations bancaires

Réseau de succursale physique

Distribution des succursales à travers la Louisiane:

Région	Nombre de branches
Lafayette	16
Nouvelle-Orléans	12
Baton Rouge	8
Autres régions de la Louisiane	21

Infrastructure bancaire numérique

Plates-formes numériques: Banque en ligne, application mobile, systèmes de paiement numérique.

• Téléchargements d'applications bancaires mobiles: 87 500
• Utilisateurs bancaires en ligne: 132 000
• Volume de transactions numériques: 2,3 millions de transactions mensuelles

Capital financier et réserves

Mesures de force financière:

Métrique financière	Valeur
Total des capitaux propres	492,3 millions de dollars
Ratio de capital de niveau 1	13.2%
Ratio de capital total basé sur le risque	14.5%
Réserves de perte de prêt	47,6 millions de dollars

Home Bancorp, Inc. (HBCP) - Modèle d'entreprise: propositions de valeur

Services bancaires personnalisés pour les communautés locales

Au quatrième trimestre 2023, Home Bancorp, Inc. dessert 32 emplacements bancaires à travers la Louisiane avec une base d'actifs totale de 3,47 milliards de dollars. La banque maintient une présence régionale concentrée dans 13 paroisses.

Catégorie de service	Pénétration du marché local	Segments de clientèle
Banque personnelle	78% de part de marché dans les paroisses cibles	Consommateurs individuels, petites entreprises
Banque commerciale	62% de couverture client locale commerciale	Petites et moyennes entreprises

Taux d'intérêt concurrentiels sur les prêts et les dépôts

Home Bancorp offre les tarifs compétitifs suivants à partir de janvier 2024:

• Compte d'épargne personnelle: 3,25% apy
• Compte de courant des entreprises: taux d'intérêt de 2,75%
• Prêts hypothécaires: à partir de 6,50% de taux fixe
• Prêts aux petites entreprises: taux d'intérêt moyen de 7,25%

Traitement des prêts rapides et efficaces

Métriques de traitement des prêts pour 2023:

Type de prêt	Temps de traitement moyen	Taux d'approbation
Prêts personnels	48 heures	72%
Prêts commerciaux	5 jours ouvrables	65%

Offres complètes de produits financiers

Répartition du portefeuille de produits pour 2023:

• Produits bancaires personnels: 12 offres distinctes
• Produits bancaires d'entreprise: 8 services spécialisés
• Services d'investissement: 5 solutions de gestion de patrimoine

Service client solide et banque de relations

Indicateurs de performance du service client pour 2023:

Métrique	Performance
Évaluation de satisfaction du client	4.6/5
Taux de rétention de clientèle moyen	87%
Durée moyenne de la relation client	8,3 ans

Home Bancorp, Inc. (HBCP) - Modèle d'entreprise: Relations clients

Gestion des relations bancaires personnelles

Home Bancorp, Inc. maintient 41 emplacements de succursales à service complet à travers la Louisiane en 2023. La gestion de la relation client se concentre sur les services bancaires personnalisés avec un taux de rétention de clientèle moyen de 87,3%.

Segment de clientèle	Approche de gestion des relations	Fréquence d'interaction annuelle
Clients bancaires personnels	Gestion de compte personnalisée	4-6 interactions par an
Clients bancaires d'entreprise	Gestionnaires de relations dédiées	8-12 interactions par an

Interactions en face à face dans les succursales locales

La banque maintient une présence physique avec 41 succursales, avec une moyenne de 2 300 interactions des clients en personne par succursale mensuellement.

Assistance bancaire en ligne et mobile

• La plate-forme bancaire mobile dessert 62% du total de la clientèle
• Volume de transactions numériques: 1,2 million de transactions mensuelles
• Taux de satisfaction des utilisateurs de l'application mobile: 92%

Gestionnaires de relations dédiés pour les clients commerciaux

Home Bancorp alloue 37 gestionnaires de relations spécialisées Pour les clients bancaires commerciaux et commerciaux, gérant environ 487 millions de dollars en portefeuille bancaire d'entreprise.

Segment des clients commerciaux	Ratio de gestionnaire de relations	Valeur de portefeuille moyenne
Petites entreprises	Ratio 1:22	2,1 millions de dollars par manager
Entreprises de taille moyenne	Ratio 1: 8	12,4 millions de dollars par manager

Services de consultation financière réguliers

Home Bancorp fournit des consultations financières complémentaires avec une moyenne de 1 740 consultations prévues chaque année dans les segments bancaires personnels et commerciaux.

• Durée moyenne de la consultation: 45 minutes
• Taux de réussite de la planification des consultations: 76%
• Satisfaction client à l'égard des consultations: 89%

Home Bancorp, Inc. (HBCP) - Modèle d'entreprise: canaux

Emplacements de branche physiques

En 2023, Home Bancorp, Inc. exploite 46 succursales à travers la Louisiane, principalement concentrées à Lafayette, Baton Rouge et la Nouvelle-Orléans.

Région	Nombre de branches
Région métropolitaine de Lafayette	18
Baton Rouge Metropolitan Area	14
Région métropolitaine de la Nouvelle-Orléans	12
Autres régions de la Louisiane	2

Plateforme bancaire en ligne

Home Bancorp fournit une plate-forme bancaire Web complète avec les fonctionnalités suivantes:

• Surveillance du solde du compte
• Transferts de fonds
• Services de paiement de factures
• Dispositions électroniques
• Historique des transactions

Application bancaire mobile

Statistiques des applications bancaires mobiles pour 2023:

Métrique	Valeur
Téléchargements totaux d'applications mobiles	87,500
Utilisateurs actifs mensuels	62,300
Volume de transaction bancaire mobile	1,2 million de transactions

Services bancaires téléphoniques

Support client 24/7 avec lignes de service dédiées:

• Support bancaire personnel: (337) 261-5000
• Support bancaire d'entreprise: (337) 261-5050
• Services de prêt: (337) 261-5100

Réseau ATM

Home Bancorp maintient un réseau de distributeurs automatiques de billets à travers la Louisiane:

Type d'emplacement ATM	Nombre de distributeurs automatiques de billets
ATM de succursale appartenant à des banques	46
ATMS autonomes	22
ATM du réseau partenaire	150

Home Bancorp, Inc. (HBCP) - Modèle d'entreprise: segments de clientèle

Petites et moyennes entreprises de Louisiane

Depuis le quatrième trimestre 2023, Home Bancorp dessert environ 3 750 clients commerciaux de petite à moyenne taille en Louisiane.

Segment d'entreprise	Nombre de clients	Taille moyenne du prêt
Commerces de détail	1,425	$275,000
Entreprises de services	1,125	$215,000
Services professionnels	1,200	$340,000

Clients bancaires de détail individuels

Home Bancorp compte 42 500 clients bancaires de détail individuels à travers la Louisiane.

• Comptes de chèques personnels: 28,750
• Comptes d'épargne personnels: 22 600
• Utilisateurs personnels en ligne: 35 000

Investisseurs immobiliers commerciaux locaux

La banque dessert 875 investisseurs immobiliers commerciaux avec une valeur totale de portefeuille de 612 millions de dollars.

Catégorie immobilière	Nombre d'investisseurs	Valeur d'investissement totale
Développement résidentiel	325	215 millions de dollars
Propriétés commerciales	375	267 millions de dollars
Développements à usage mixte	175	130 millions de dollars

Individus à haute nette

Home Bancorp gère 1 250 comptes clients à haute teneur en nouant avec des actifs de plus d'un million de dollars.

• Valeur moyenne du compte: 3,2 millions de dollars
• Clients de gestion de la patrimoine: 875
• Services bancaires privés: 625

Organisations communautaires et organisations à but non lucratif

La banque soutient 425 organisations communautaires et organisations à but non lucratif avec des services bancaires spécialisés.

Type d'organisation	Nombre de clients	Dépôts totaux
Organismes de bienfaisance locaux	210	45 millions de dollars
Établissements d'enseignement	115	78 millions de dollars
Organisations religieuses	100	32 millions de dollars

Home Bancorp, Inc. (HBCP) - Modèle d'entreprise: Structure des coûts

Salaires et avantages sociaux des employés

À partir du rapport annuel de 2023, Home Bancorp, Inc. a déclaré des frais totaux de rémunération des employés de 28,4 millions de dollars.

Catégorie de dépenses	Montant ($)
Salaires de base	19,600,000
Avantages sociaux	3,200,000
Contributions à la retraite	2,800,000
Autre compensation	2,800,000

Dépenses de fonctionnement de la succursale

Les coûts d'exploitation liés aux succursales ont totalisé 12,6 millions de dollars en 2023.

• Frais de location et de location: 5 400 000 $
• Utilitaires: 2 100 000 $
• Entretien et réparations: 3 200 000 $
• Coûts de sécurité: 1 900 000 $

Maintenance de technologie et d'infrastructure

L'investissement en infrastructure technologique était de 9,3 millions de dollars en 2023.

Catégorie de dépenses technologiques	Montant ($)
Infrastructure informatique	4,700,000
Licence de logiciel	2,300,000
Cybersécurité	1,600,000
Plate-forme bancaire numérique	700,000

Coûts de conformité réglementaire

Les dépenses liées à la conformité s'élevaient à 6,2 millions de dollars en 2023.

• Frais juridiques et de conseil: 2 800 000 $
• Logiciel de conformité: 1 500 000 $
• Programmes de formation: 900 000 $
• Dépenses d'audit: 1 000 000 $

Frais de marketing et d'acquisition des clients

Les dépenses de marketing étaient de 4,5 millions de dollars en 2023.

Catégorie de dépenses de marketing	Montant ($)
Marketing numérique	1,800,000
Publicité traditionnelle	1,200,000
Parrainages communautaires	800,000
Campagnes d'acquisition de clients	700,000

Home Bancorp, Inc. (HBCP) - Modèle d'entreprise: Strots de revenus

Intérêt des prêts

Pour l'exercice 2023, Home Bancorp, Inc. a déclaré un revenu total d'intérêts de 129,7 millions de dollars. La répartition du portefeuille de prêts est la suivante:

Catégorie de prêt	Solde total	Revenu d'intérêt
Prêts commerciaux	456,3 millions de dollars	42,6 millions de dollars
Prêts hypothécaires résidentiels	378,2 millions de dollars	33,9 millions de dollars
Prêts à la consommation	215,6 millions de dollars	19,4 millions de dollars

Frais de prêt hypothécaire

Les frais de prêt hypothécaire pour 2023 ont totalisé 8,2 millions de dollars, la distribution suivante:

• Frais d'origine: 5,6 millions de dollars
• Frais de traitement des prêts: 1,7 million de dollars
• Frais de souscription: 0,9 million de dollars

Frais de service sur les comptes de dépôt

Les frais de service ont généré 7,5 millions de dollars de revenus pour 2023:

Type de charge de service	Revenu
Frais de découvert	3,9 millions de dollars
Frais de maintenance mensuels	2,6 millions de dollars
Frais de transaction ATM	1,0 million de dollars

Commissions de gestion de la patrimoine

Les services de gestion de patrimoine ont produit 6,3 millions de dollars en commissions pour 2023:

• Frais de conseil en investissement: 3,7 millions de dollars
• Services de planification financière: 1,8 million de dollars
• Gestion des comptes de retraite: 0,8 million de dollars

Ventes de produits d'investissement

Les revenus de vente de produits d'investissement pour 2023 ont atteint 4,6 millions de dollars:

Catégorie de produits	Revenus de vente
Fonds communs de placement	2,1 millions de dollars
Rentes	1,5 million de dollars
Certificats de dépôt	1,0 million de dollars

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.