Home Bancorp is the holding company for Home Bank, a community bank headquartered in Lafayette, Louisiana. Home Bank takes in deposits and deploys them into loans and investment securities across 43 branches in south Louisiana, Natchez, Mississippi, and Houston, Texas. Home Bank's primary lending focus is commercial real estate and commercial and industrial loans, which it prioritizes over residential mortgages due to their higher yields, shorter duration, and tendency to bring deposit relationships. Home Bank earns a net interest margin of roughly 4%, driven by its relatively low-cost deposit base — noninterest-bearing deposits are about 27% of total deposits — and disciplined loan pricing. Home Bank has grown both organically and through acquisitions, completing six bank deals since its 2008 IPO, most recently acquiring Texan Bank in 2022 to enter the Houston market. Houston now represents roughly 20% of total loans and has been growing at about 15% annually, making it the primary organic growth engine. Management is targeting mid-single-digit loan growth in 2026 and has signaled renewed appetite for M&A, focusing on targets up to roughly $1.5B in assets in Louisiana and Texas. Fee income is a smaller contributor, coming from service charges, loan origination fees, and SBA loan sales. Home Bank's main expense is compensation and benefits.