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Home Bancorp, Inc. (HBCP) is a Louisiana-based corporation and the holding company for Home Bank, N.A., headquartered in Lafayette, Louisiana. The company operates through 43 banking offices across Louisiana, Mississippi, and Texas, providing a range of financial services. HBCP primarily attracts deposits from the public and uses these funds to originate loans and invest in securities, focusing on commercial lending for higher yields and increased core deposits.
- Commercial Real Estate Loans - Provides financing for commercial properties, offering higher yields and shorter anticipated loan lives.
- Commercial and Industrial Loans - Offers loans to businesses for operational and capital needs, often accompanied by deposit accounts.
- Construction and Land Loans - Finances construction projects and land purchases, supporting development activities.
- One-to-Four-Family First Mortgage Loans - Provides residential mortgage loans for individual homeowners.
- Home Equity Loans and Lines - Offers loans and lines of credit secured by residential property equity.
- Multi-Family Residential Loans - Finances residential properties with multiple units, catering to real estate investors.
- Consumer Loans - Provides personal loans for various consumer needs.
| Name | Position | External Roles | Short Bio | |
|---|---|---|---|---|
John W. Bordelon ExecutiveBoard | President and Chief Executive Officer | Board of Directors for Community Foundation of Acadiana; Chairman for the Greater Lafayette Chamber of Commerce; Board Member for Southwest Medical Center; Board Member for United Way of Acadiana; Board Member for Louisiana Open; Board Member for Ascension Day School; Board Member for Women’s and Children’s Hospital; Board Member for University of Louisiana’s Athletic Foundation Advisory Committee; Founder of the Ragin Cajun Athletic Foundation | John W. Bordelon is the President and Chief Executive Officer of Home Bancorp, Inc. since 1993 and has served as Chairman of the Board since May 12, 2020. He joined Home Bank in 1981 and has over 43 years of banking experience. | View Report → |
David T. Kirkley Executive | Senior Executive Vice President and Chief Financial Officer | David T. Kirkley is the Senior Executive Vice President and Chief Financial Officer at HBCP since November 23, 2020. He previously served as Senior Vice President and Treasurer from May 2012 to November 2020. | ||
John J. Zollinger Executive | Senior Executive Vice President and Chief Banking Officer | John J. Zollinger, IV has served as the Senior Executive Vice President and Chief Banking Officer of Home Bancorp, Inc. since July 2024; he previously served as the Executive Vice President and Chief Banking Officer from November 2022 and as Director of Commercial Lending since 2020. | ||
Natalie B. Lemoine Executive | Senior Executive Vice President and Chief Administrative Officer | Natalie B. Lemoine has served as Senior Executive Vice President and Chief Administrative Officer at Home Bancorp, Inc. since July 2024. Previously, she served as Executive Vice President and Chief Administrative Officer from September 2022 to July 2024, and held other key roles at the company. | ||
Ann Forte Trappey Board | Director | Interim President and CEO of the Baton Rouge Area Chamber | Ann Forte Trappey has served as a Director of Home Bancorp, Inc. since June 1, 2020 , bringing extensive business and community service experience; she previously held leadership roles at Forte & Tablada as CEO/President and in an advisory capacity, and in October 2023 became Interim President and CEO of the Baton Rouge Area Chamber. | |
Chris P. Rader Board | Director | CEO of Rader Solutions | Chris P. Rader has served as a Director at Home Bancorp (HBCP) since June 1, 2016. He is also the Chief Executive Officer of Rader Solutions, an information technology company based in Lafayette, Louisiana. | |
Daniel G. Guidry Board | Director | Louisiana Thoroughbred Breeders Association Board Member; Louisiana State Bar Association Member; St. Martin Parish Bar Association Member | Daniel G. Guidry has served as a Director at Home Bancorp since December 6, 2017. He is a retired partner at Guidry and Guidry with extensive legal and community service experience, and he has been actively involved in several professional organizations. | |
Donald W. Washington Board | Director | Partner at Jones Walker LLP | Donald W. Washington has served as Director at Home Bancorp, Inc. (HBCP) since October 15, 2021. He re-joined the Board after previously serving from June 2016 to March 2019, and he also led the USMS as its Director from March 2019 to September 2021. | |
J. Scott Ballard Board | Director | CEO of Ballard Hospitality, LLC; Owner of Ballard Brands, LLC | J. Scott Ballard has been a Director at Home Bancorp since September 2021, recognized for his extensive business experience and community service. He is also the CEO and owner of Ballard Hospitality, LLC and Ballard Brands, LLC in Covington, Louisiana. | |
John A. Hendry Board | Director | Pediatric Dentist; National Spokesperson for the American Academy of Pediatric Dentistry | John A. Hendry has served as a Director and Chairman of the Compensation Committee at Home Bancorp since 2000, contributing significantly to governance and oversight. He is also a noted Pediatric Dentist and has served as the National Spokesperson for the American Academy of Pediatric Dentistry. | |
Paul J. Blanchet Board | Director | Associate at Broussard Poché LLP | Paul J. Blanchet, III has served as a Director at HBCP since 2002 and is currently the Chairman of the Audit Committee. He is a certified public accountant who retired as a partner at Broussard Poché LLP in August 2018 and continues to assist on special projects. |
- Given the pricing challenges with CDs and the slower reduction in deposit costs in Q2 compared to Q1, how do you plan to sustain NIM growth if deposit yields remain elevated?
- With a consistently tight loan-to-deposit ratio amid robust loan demand, what specific initiatives are you pursuing to attract more core deposits and balance this ratio over the next year?
- Regarding the two loans that moved to nonaccrual—a Mississippi condominium development and a Houston hotel—how are you assessing the potential for further impairment and what remedial actions are in place if they deteriorate further?
- In light of your asset liability sensitivity analysis, how do you intend to manage the offset between a 25 basis point rate cut's impact on loan yields versus deposit funding costs in varying market conditions?
- Considering your recent share repurchases and the newly approved buyback plan, how do you balance capital allocation between returning value to shareholders and funding growth opportunities, especially when your stock trades near tangible book value?
Notable M&A activity and strategic investments in the past 3 years.
| Company | Year | Details |
|---|---|---|
Friendswood Capital Corporation | 2022 | In 2022, Home Bancorp, Inc. completed the acquisition of Friendswood Capital Corporation on March 26 for approximately $64.9 million in cash, acquiring about $414.4 million in total assets, including significant loans and deposits, along with recorded goodwill and core deposit intangible assets. The strategic rationale was to expand its footprint in the Houston market by integrating Texan Bank, N.A., with planned systems conversion in June 2022. |
Recent press releases and 8-K filings for HBCP.
- Earnings Growth: Q1 net income reached approximately $11 million (reported as $10,964K) with an EPS of $1.37, marking a 20% year-over-year increase .
- Improved Margins: Net interest margin expanded to 3.91% and return on assets increased to 1.29%, reflecting enhanced operational efficiency .
- Loan & Deposit Strength: Loans increased by $29.1 million with guidance of 4% to 6% annual loan growth, supported by robust deposit inflows .
- Robust Balance Sheet: Total assets stood at $3.485 billion with a market cap of $340 million as of late March 2025 .
- Active Capital Management: The bank repurchased 297,000 shares and approved a new 400,000 share repurchase plan to bolster shareholder value .
- Prudent Capital Strategy: Emphasized conservatively managed capital ratios, non-GAAP adjustments, and comprehensive risk disclosures in a competitive environment .
- Q1 2025 Performance: Reported $11.0 million net income and $1.37 diluted EPS, reflecting an improved performance over Q4 2024 .
- Achieved solid growth with 1.1% loan growth and 1.7% deposit growth, supporting overall asset expansion .
- Capital Return Initiatives: The Board declared a quarterly dividend of $0.27 per share (payable on May 16, 2025) and approved a new share repurchase plan to buy up to 400,000 shares (approximately 5% of outstanding common stock), complementing ongoing repurchases from the 2023 plan .
- Home Bancorp, Inc. (Nasdaq: HBCP) will issue its Q1 2025 earnings release after market close on April 21, 2025 and host a conference call on April 22, 2025 at 10:30 a.m. CDT.
- The announcement includes details on the release of an investor presentation and earnings release on the Company’s Investor Relations page, with participation by CEO John W. Bordelon and CFO David T. Kirkley.