Home Bancorp

What Home Bancorp does

Home Bancorp, Inc. (NASDAQ: HBCP) is a Lafayette, Louisiana-based bank holding company that operates through its wholly owned subsidiary Home Bank, N.A., an FDIC-insured National Bank chartered in 1908. The company serves individual consumers and small-to-mid-size businesses across Louisiana (Lafayette, Baton Rouge, New Orleans, Metairie, Mandeville, Covington, Slidell, and additional markets), Natchez Mississippi, and the Greater Houston Texas market through a 49+ branch physical network complemented by online banking, native iOS and Android mobile apps, Zelle P2P payments, mobile wallet integrations (Apple Pay, Samsung Pay, Google Pay), TeleBanc phone banking, Card Management (Card Valet), and access to 2,000+ surcharge-free ATMs via the Community Cash network. Total deposits reached $3.0 billion in Q1 2026 and total loans were approximately $2.7 billion at year-end 2025, with Texas loans representing 21% of the portfolio by Q1 2026.

The product portfolio spans personal banking (My Rewards Checking, Choice Checking, Interest Checking, eBanking Checking, CDs, Money Market, HSA, IRAs, HELOCs, construction loans, auto loans, Visa credit, Credit Builder), business banking (Small Business Checking, Business Analyzed, Commercial Checking, business savings/MMDA, SBA loans, commercial real estate loans, business term loans, lines of credit, Visa Business credit), and treasury management services (Remote Deposit Capture, Positive Pay and ACH Positive Pay, business online banking, bill pay, merchant card services, payroll cards via Money Network). Security infrastructure includes 128-bit encryption, multi-factor authentication via Device Print fingerprinting, authentication tokens for commercial users, Dual Control for wires and ACH, and mutual authentication with custom image/phrase. An affiliated wealth advisory, HB Financial, provides independent financial planning services.

The revenue model is anchored in net interest income earned on the spread between loans and deposits/funding, supplemented by non-interest income from account fees, overdraft/NSF charges, wire and ATM fees, safe deposit box rentals, merchant card services, payroll card fees, and treasury management fees. Q1 2026 produced record net interest income of $34.5 million (up 15% YoY) on a net interest margin of 4.16%, full-year 2025 EPS of $5.87 (+29% YoY), Tier 1 leverage of 12.11%, and Total risk-based capital of 15.65%, supporting 12 consecutive years of dividend increases and a market capitalization of approximately $511M as of May 2026.

Name

Home Bancorp

Legal name

Home Bancorp, Inc.

Website

https://home24bank.com

Company type

Public

Founded year

1908

Operating status

Operating

Headcount range

251–500 employees

Short description

Home Bancorp (NASDAQ: HBCP) is the Lafayette, Louisiana-based holding company for Home Bank, N.A., a community bank founded in 1908 serving consumers and SMBs across Louisiana, Natchez Mississippi, and Greater Houston Texas with ~$3.2B in assets, 49+ branches, and full digital and treasury management capabilities.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221), Offices of Bank Holding Companies (551111)

SIC

National Commercial Banks (6021), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Residential Mortgage Origination & Servicing (Retail) (FSABAAAD)

Keywords

• Community banking
• Retail banking services
• Commercial lending
• Treasury management
• Consumer deposits

Headquarters

HQ city

Lafayette

HQ country

United States

HQ region

North America

Offices12 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Net Interest Income: The primary revenue driver is net interest income earned on the spread between interest collected on loans (particularly real estate, commercial, and consumer loans) and interest paid on deposits and borrowings. Q1 2026 net interest income reached a record $34.5 million, up 15% year-over-year, driven by net interest margin expansion to 4.16%.
2. Banking Fees and Service Charges: Non-interest income from account service charges, overdraft fees, wire transfer fees, ATM fees, safe deposit box rental fees, merchant card services, payroll card fees, and other banking service charges.
3. Treasury Management and Commercial Banking Fees: Fees from business clients for treasury management services including wire transfers, ACH origination, Positive Pay, Remote Deposit Capture, merchant card services, and business online banking.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels7 records

Core offering

Home Bancorp operates as the holding company for Home Bank, N.A., a community bank chartered in 1908 in Lafayette, Louisiana. The bank provides a full suite of retail and commercial banking products, including personal checking, savings, mortgages, personal loans, business checking, commercial real estate loans, SBA loans, treasury management services, merchant card services, and wealth advisory services through its HB Financial affiliate, distributed across physical branches and digital banking platforms.

Product overview

Home Bancorp operates as a bank holding company with its subsidiary Home Bank, N.A., offering a comprehensive suite of traditional banking products and services through a unified multi-channel platform. The product portfolio spans personal banking (checking, savings, home loans, personal loans, credit cards), business banking (checking, savings, loans, treasury management), and digital banking services. The core banking operations are supported by digital platforms including Online Banking, Mobile Banking, and Card Management features, with complementary services such as Treasury Management, Bill Pay, Zelle, Mobile Wallet integrations, and financial planning tools. The company operates primarily in Louisiana, Mississippi, and Texas markets with 49+ branch locations and $3+ billion in assets. Founded in 1908, Home Bank has expanded through organic growth and strategic acquisitions including the 2022 acquisition of Friendswood Capital Corporation.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Accounts A suite of personal checking account options (My Rewards, Choice, Interest, eBanking) for individual consumers, each tailored to different banking needs including rewards, interest-bearing balances, and digital-first access.
• Personal Savings Accounts Personal savings products for individual consumers including Statement Savings, Money Market, Certificates of Deposit, IRAs, Health Savings Accounts, Coverdell Education Savings Accounts, Christmas Club, and Custodial UTMA accounts.
• Home Loans Residential lending products for homeowners and homebuyers including Home Access Mortgage (a CRA product for underserved communities), Home Equity Lines of Credit (HELOC), and Construction Loans with progress-based disbursements.
• Personal Loans Personal lending products for individual consumers including Auto Loans, Savings & CD Secured Loans, Unsecured Loans, Visa Credit Cards, and Credit Builder Loans designed to establish or improve credit history.
• Business Checking Accounts Business checking account options for small businesses, commercial clients, not-for-profit organizations, and attorneys (IOLTA), including Small Business Checking, Business Analyzed with cash flow analysis, Commercial Checking for higher transaction volumes, and specialized accounts.
• Business Savings Accounts Business savings products including Business Statement Savings, Business Money Market, Business Certificates of Deposit, and Business Retirement Accounts (IRAs).
• Business Loans Commercial lending products for businesses including Business Term Loans, Business Lines of Credit, SBA Loans, Commercial Real Estate Loans for property acquisition and development, and Visa Business Credit Cards.
• Treasury Management Services Comprehensive suite of business banking services for commercial clients including Business Online Banking, Bill Pay, Remote Deposit Capture, Wire Transfers, ACH Origination, Positive Pay fraud protection, and Business Mobile Banking.
• Merchant Card Services Merchant card payment processing services enabling business clients to accept credit and debit card transactions from customers.
• Payroll Card Program Employer-sponsored payroll card program using the Money Network, providing nationwide ATM access for employees without traditional bank accounts.
• HB Financial Advisory Services Wealth management and financial advisory services provided through affiliated advisors offering independent, objective financial planning and investment advice to individuals.
• Safe Deposit Boxes Secure vault storage for valuable documents and items in various sizes (3x5 to 10x10 inches) at select branch locations, with low annual rental fees.
• Visa Debit Card Visa-branded debit card issued to consumer checking account holders for point-of-sale and ATM transactions.
• Mobile Banking Service Native iOS and Android mobile banking application providing account access, transfers, mobile deposit, bill pay, Zelle P2P payments, loan payments, spending alerts, card management, and branch/ATM locator.
• Online Banking Service Web-based digital banking platform providing 24/7 account access, fund transfers, bill payment, eStatements, document viewing, and Quicken/Money downloads for consumer and business customers.

Quantifiable outcome

• Q1 2026 net income of $11.4 million ($1.45 EPS), beating consensus estimate of $1.39 per share by $0.06
• +4 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature4 records

Partnerships

One partnership is on record.

• Federal Home Loan Bank of DallasminorStrategic or Co-development Partner · 28 October 2025Federal Home Loan Bank of Dallas co-funded a $60,000 grant to the New Orleans Neighborhood Development Foundation alongside Home Bank, Liberty Bank & Trust, and Renasant Bank. The grant supports affordable housing initiatives and community development for low- and moderate-income families, funding operational support, technology upgrades, workshops, and outreach events in New Orleans.

Scale indicators12 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Origin Bancorp: Louisiana-chartered community bank holding company headquartered in Ruston, LA, operating across Louisiana, Texas, and Mississippi with a similar personal and business banking model. Closely comparable in footprint, scale (~$10B assets, larger but similar business mix), and SMB / consumer focus.
• Investar Holding Corp: Louisiana-based community bank holding company operating primarily in South Louisiana, offering consumer and commercial banking products including SBA loans. Comparable in market geography, SMB focus, and community-bank positioning.
• Business First Bancshares (b1BANK): Baton Rouge, Louisiana-headquartered community bank holding company serving Louisiana and Texas markets with commercial and consumer banking, treasury management, and SBA lending. Directly overlapping Louisiana footprint and SMB lending strategy.
• Texas Capital Bancshares: Texas-headquartered commercial bank with significant Houston presence focused on commercial banking, treasury management, and wealth services. Comparable in commercial banking and treasury management product set, serving Texas-based SMB and middle-market clients.
• Independent Bank Group: Texas-based community bank holding company serving Dallas-Fort Worth, Houston, Austin, and surrounding markets with consumer, commercial, and mortgage lending. Comparable multi-city Texas community banking model with overlap in Houston market.
• Veritex Holdings: Texas community bank holding company headquartered in Dallas, serving Dallas-Fort Worth, Houston, and North Texas markets with commercial and consumer banking. Direct comparability in Texas commercial banking and Houston geographic overlap.
• Guaranty Bancshares: Texas-based community bank holding company operating Guaranty Bank & Trust across East, Central, and Southwest Texas. Comparable Texas community bank with consumer and commercial banking services targeting SMBs.
• CNB Financial: Mid-sized community bank holding company offering retail and commercial banking products including treasury management. Comparable size, business model, and community-bank operational structure.

Broad incumbents

• Cullen/Frost Bankers: Large Texas-headquartered regional bank holding company (Frost Bank) with deep Houston and San Antonio presence. Overlapping Houston/South Texas geography and commercial banking capabilities at meaningfully greater scale than Home Bancorp.
• Simmons First National: Large Arkansas-headquartered regional bank with multi-state presence including Texas. Overlapping community-bank product set (consumer, commercial, treasury management) across broader geographies.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/homebankhelps
• LinkedInlinkedin.com/company/home-bank-

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries3 records

Funding overview

Funding rounds2 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A4 records

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Home Bancorp