Company: HBCP
Filing Date: 2025-03-12
Form Type: 10-K
Source: 0001436425-25-000012
Chunk: 129

Company: HOME BANCORP, INC.
Filing Date: 2025-03-12
Form: 10-K
Item: Item 7
Chunk 129
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$0.91 $0.88 

 As of or For the Years Ended December 31, 20242023202220212020Selected Operating Ratios: (1)Average yield on interest-earning assets(TE)5.74 %5.28 %4.19 %4.11 %4.48 %Average rate on interest-bearing liabilities2.90 2.08 0.41 0.35 0.76 Average interest rate spread(TE)(2)2.84 3.20 3.78 3.76 3.72 Net interest margin(TE)(3)3.71 3.89 3.92 3.88 3.96 Average interest-earning assets to average interest-bearing liabilities143.29 148.73 154.87 152.48 146.05 Noninterest expense to average assets2.58 2.54 2.58 2.42 2.53 Efficiency ratio(4)64.71 61.21 62.10 57.12 59.13 Return on average assets1.08 1.23 1.07 1.76 0.99 Return on average common equity9.56 11.59 10.16 14.38 7.83 

20

 As of or For the Years Ended December 31, 20242023202220212020Return on average tangible common equity (Non-GAAP)(7)12.68 15.95 13.93 17.98 10.24 Common stock dividend payout ratio22.20 20.04 22.36 15.77 30.88 Average equity to average assets11.26 10.64 10.55 12.22 12.69 Book value per common share$48.95 $45.04 $39.82 $41.27 $36.82 Tangible book value per common share (Non-GAAP)(8)  38.44   34.45   29.20   34.00   29.60 Asset Quality Ratios: (5) Non-performing loans as a percent of total loans receivable0.50 %0.34 %0.43