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Separated the CEO and President roles to create a leadership structure capable of sustaining the next phase of corporate growth while maintaining day-to-day execution focus.

Achieved the highest quarterly net interest income in the bank's 118-year history, driven by higher earning asset yields and a stable cost of deposits.

Attributed loan growth recovery to strong performance in the Houston market and the momentum of the new Tomball branch, following a slight contraction in the first quarter.

Maintained a competitive advantage through a core deposit franchise with a cost of deposits at 1.66%, which management identifies as one of the lowest in their peer group.

Shifted loan portfolio strategy over the last four quarters to reduce non-owner occupied CRE in favor of owner-occupied assets to diversify risk.

Noted that while there is no specific industry-related stress, individual customer struggles in the current economy have led to an increase in substandard loans.

Anticipate mid-single-digit loan growth in the second half of 2026, supported by a consistent pipeline despite challenges in predicting customer financing timelines.

Expect approximately one-third of current classified assets to be rectified and removed from the balance sheet by year-end through refinancing, business sales, or OREO liquidations.

Project continued net interest margin expansion through the end of 2026 as lower-yielding loans roll off and are replaced by originations currently yielding north of 6.6%.

Forecast non-interest expenses to remain elevated between $24 million and $24.8 million over the next several quarters due to costs associated with working through foreclosed assets.

Maintain a 'dry powder' capital strategy focused on M&A opportunities, with sub-debt callability in 2027 serving as an alternative capital deployment option.

Substandard loans increased primarily due to a single $12.4 million C&I loan to a manufacturing company, though the borrower remains current and has a strong guarantor.

Non-performing loans decreased by approximately $10 million, but this was largely a transfer to Other Real Estate Owned (OREO) following foreclosures.

Experienced a $60 million decline in certificates of deposit earlier in the year after attempting to lower rates, leading to a strategy of holding CD rates steady to protect liquidity.

Management flagged potential margin pressure if a rising rate environment causes an inverted yield curve, which could trigger increased deposit competition.

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Management expects a few more basis points of NIM increase in Q3 and Q4 2026 before moderation begins in early 2027.

The benefit is driven by fixed-rate assets rolling off and new loans being added at yields significantly higher than the current portfolio average.

Management expects over $30 million in total special asset improvements by year-end 2026.

This includes approximately $22 million in special mention resolutions and $7 million in non-performing asset improvements through payoffs and sales.

M&A remains the primary intended use for excess capital, though management noted the market has become 'much quieter' compared to 2025.

Share buybacks have been deprioritized recently due to the stock's 'nice run' in price, making current levels less attractive for repurchases.

Texas is identified as significantly more competitive, with some peers offering deposit rates as high as 4.25% to secure liquidity.

Home Bancorp is focusing on maintaining its 90-92% loan-to-deposit ratio by selectively matching rates to prevent further CD outflows.