Company: HBCP
Filing Date: 2025-05-02
Form Type: 10-Q
Source: 0001436425-25-000018
Chunk: 76

Company: HOME BANCORP, INC.
Filing Date: 2025-05-02
Form: 10-Q
Item: Item 8
Chunk 76
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)3,240,619 $47,201 5.84 3,132,622 $44,126 5.60 Noninterest-earning assets208,853 201,261 Total assets$3,449,472 $3,333,883 Interest-bearing liabilities:Deposits:Savings, checking and money market$1,306,602 $5,401 1.68 %$1,269,293 $4,800 1.52 %Certificates of deposit732,079 7,221 4.00 668,353 7,332 4.41 Total interest-bearing deposits2,038,681 12,622 2.51 1,937,646 12,132 2.52 Other borrowings5,539 53 3.89 125,979 1,486 4.74 Subordinated debt54,485 845 6.20 54,268 845 6.22 Short-term FHLB advances149,043 1,655 4.44 31,831 436 5.42 Long term FHLB advances31,615 277 3.51 39,873 326 3.27 Total interest-bearing liabilities2,279,363 $15,452 2.74 2,189,597 $15,225 2.79 Noninterest-bearing liabilities766,605 773,525 Total liabilities3,045,968 2,963,122 Shareholders’ equity403,504 370,761 Total liabilities and shareholders' equity$3,449,472 $3,333,883 Net interest-earning assets$961,256 $943,025 Net interest spread (TE)$31,749 3.10 %$28,901 2.81 %Net interest margin (TE)3.91 %3.64 %

(1)Nonperforming loans are included in the respective average loan balances, net of deferred fees, discounts and loans in process.

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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