Company: HBCP
Filing Date: 2025-11-03
Form Type: 10-Q
Source: 0001628280-25-048166
Chunk: 20

Company: HOME BANCORP, INC.
Filing Date: 2025-11-03
Form: 10-Q
Item: Item 2
Chunk 20
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2.91 Noninterest-bearing liabilities799,472 780,234 Total liabilities3,055,750 2,992,687 Shareholders’ equity408,083 376,170 Total liabilities and shareholders' equity$3,463,833 $3,368,857 Net interest-earning assets$996,324 $955,065 Net interest spread (TE)$99,206 3.19 %$88,676 2.80 %Net interest margin (TE)4.02 %3.67 %

The following table displays the dollar amount of changes in interest income and interest expense for major components of interest-earning assets and interest-bearing liabilities. The table distinguishes between (i) changes attributable to volume (changes in average volume between periods times prior year rate), (ii) changes attributable to rate (changes in average rate between periods times prior year volume) and (iii) total increase (decrease).

44

Three Months Ended September 30,Nine Months Ended September 30,2025 Compared to 20242025 Compared to 2024Change Attributable ToChange Attributable To(dollars in thousands)RateVolumeIncrease/ (Decrease)RateVolumeIncrease/ (Decrease)Interest income:Loans receivable$721 $1,175 $1,896 $4,117 $4,532 $8,649 Investment securities81 (254)(173)(68)(373)(441)Other interest-earning assets(118)238 120 (233)114 (119)Total interest income684 1,159 1,843 3,816 4,273 8,089 Interest expense:Savings, checking and money market accounts(112)324 212 519 717 1,236 Certificates of deposit(1,432)1,117 (315)(1,461)620 (841)Other borrowings(169)(1,450)(1,619)(1,703)(2,952)(4,655)Subordinated debt(3)4 1 (3)4 1 FHLB advances(44)(116)(160)488 1,330 1,818 Total interest expense(1,760)(121)(1,881)(2,160)(281)(2,441)Increase in net interest income$2,