Company: HBCP
Filing Date: 2025-11-03
Form Type: 10-Q
Source: 0001628280-25-048166
Chunk: 83

Company: HOME BANCORP, INC.
Filing Date: 2025-11-03
Form: 10-Q
Item: Item 8
Chunk 83
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 margin for the nine months ended September 30, 2025 and 2024 was 4.02% and 3.67%, respectively. For the same periods, the average loan yield was 6.49% and 6.30%, respectively.

Acquired loan discount accretion included in interest income totaled $347,000 and $452,000 for the quarters ended September 30, 2025 and 2024, respectively. For the nine months ended September 30, 2025 and 2024, acquired loan discount accretion included in interest income totaled $1.1 million and $1.5 million, respectively.

The following table sets forth, for the periods indicated, information regarding (i) the total dollar amount of interest income of the Company from interest-earning assets and the resultant average yields; (ii) the total dollar amount of interest expense on interest-bearing liabilities and the resultant average rate; (iii) net interest income; (iv) net interest spread; and (v) net interest margin. Information is based on average monthly balances during the indicated periods. Taxable equivalent yields are calculated using a marginal tax rate of 21%.

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 Three Months Ended September 30, 20252024(dollars in thousands)Average BalanceInterestAverage Yield/RateAverage BalanceInterestAverage Yield/RateInterest-earning assets:Loans receivable(1)$2,743,695 $45,607 6.53 %$2,668,672 $43,711 6.43 %Investment securitiesTaxable395,840 2,432 2.46 437,785 2,604 2.38 Tax-exempt (TE)16,049 72 2.26 16,239 73 2.26 Total investment securities411,889 2,504 2.45 454,024 2,677 2.38 Other interest-earning assets99,707 1,111 4.42 79,668 991 4.95 Total interest-earning assets (TE)3,255,291 $49,222 5.95 3,202,364 $47,379 5.82 Noninterest-earning assets211,779 202,719 Total assets$3,467,070 $3,405,083 Interest-bearing liabilities:Deposits:Savings, checking