Company: HBCP
Filing Date: 2025-05-02
Form Type: 10-Q
Source: 0001436425-25-000018
Chunk: 17

Company: HOME BANCORP, INC.
Filing Date: 2025-05-02
Form: 10-Q
Item: Item 2
Chunk 17
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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.

40

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).

Three Months Ended March 31,2025 Compared to 2024Change Attributable To(dollars in thousands)RateVolumeIncrease/ (Decrease)Interest income:Loans receivable$1,398 $2,067 $3,465 Investment securities75 (199)(124)Other interest-earning assets(249)(17)(266)Total interest income1,224 1,851 3,075 Interest expense:Savings, checking and money market accounts319 282 601 Certificates of deposit(741)630 (111)Other borrowings(145)(1,288)(1,433)Subordinated debt(3)3 — FHLB advances(203)1,373 1,170 Total interest expense(773)1,000 227 Increase in net interest income$1,997 $851 $2,848 

Noninterest Income

Noninterest income for the first quarter