Home Bancorp, Inc.

Good morning, ladies and gentlemen, and welcome to the HomeBank Corp's fourth quarter 2025 earnings conference call. All participants will be in a listen-only mode. Should you need assistance, please signal a conference specialist by pressing the star key followed by zero. After today's presentation, there will be an opportunity to ask questions. Please note that this event is being recorded. I would now like to turn the conference over to HomeBank Corp's chairman, president, and CEO, Don Portolone, and Chief Financial Officer David Kirkley. Please go ahead, Mr. Kirkley.

Thank you. Good morning and welcome to HomeBank's fourth quarter 2025 earnings call. Our earnings release and investor presentation are available on our website. I ask that everyone please refer to the disclaimer for our forward-looking statements and investor presentation and our SEC filings. Now I'll hand it over to John to make a few comments about the quarter and the year. John?

Thank you, David. Good morning, and thank you for joining our earnings call today. We appreciate your interest in HomeBank as we discuss our results, our expectations for the future, and our approach to creating long-term referral value. We're proud of everything we accomplished in 2025 and believe we are well-positioned to continue the outstanding performance you've come to respect from HomeBank. Yesterday afternoon, we reported fourth quarter net income of $11.4 million, or $1.26 per share. For the full year, 2025, net income was $46 million, or $5.87 per share, which is a record for a home bank and 29% higher than our 2024 earnings per share. Fourth quarter net interest margin was 4.06%, and the ROA was 1.29%, which was sharply higher than the fourth quarter of 2024. That, then, was 3.82%. and the ROA of 1.12. Loans grew by 38 million in the fourth quarter, or 6% annualized, as strong December originations exceeded still elevated payoffs and paydowns. Our pipeline is building, and paydowns appear to be slowing, so we expect growth in 2026 to be in the mid-single digits. While loan growth in 2025 was not up to our historical trends, deposits grew by 7% or $120 $192 million with strong growth in demand deposits and in relatively low-cost money market accounts. As a result of our success attracting deposits, we were able to reduce our loan-to-deposit ratio to 92% in the fourth quarter from 98% a year ago. We intend to continue to focus on deposits, which will build franchise value and position us for increased profitability when we return to our historical rate of loan growth. We continue to have success with our Texas franchise, which is now in its fourth year of operation. We now have 15 commercial bankers in five branches and one loan production office in the Houston market and expect to open a new full-service branch and close the loan production office in the first quarter. We expect the lending team we hired in late 2023 will be even more productive than they have been. Since entering the Texas market in 2022, Loans have grown at a 15% annual rate and now represent 20% of our loan portfolio. Non-performing loans increased in 2025, but our charge-offs remain very low, and we don't expect that to change due to our conservative underwriting standards and proactive credit management. As you can see on slide 16, our net charge-offs have averaged about six basis points over the last six years. We continue to perform at a level above our peer banks and expect this trend to continue. We are confident in the home bank's future and our ability to meet our higher standards in all economic climates. With that, I'll turn it back over to David, our key money at 12.