Company: HBCP
Filing Date: 2025-08-01
Form Type: 10-Q
Source: 0001436425-25-000036
Chunk: 85

Company: HOME BANCORP, INC.
Filing Date: 2025-08-01
Form: 10-Q
Item: Item 8
Chunk 85
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 Subordinated debt54,512 1,689 6.20 54,295 1,689 6.22 Short-term FHLB advances124,792 2,775 4.42 19,896 546 5.43 Long term FHLB advances22,365 396 3.54 39,205 647 3.30 Total interest-bearing liabilities2,270,592 $30,730 2.72 2,198,104 $31,290 2.86 Noninterest-bearing liabilities787,657 780,491 Total liabilities3,058,249 2,978,595 Shareholders’ equity403,938 371,950 Total liabilities and shareholders' equity$3,462,187 $3,350,545 Net interest-earning assets$980,643 $951,800 Net interest spread (TE)$65,100 3.16 %$58,294 2.79 %Net interest margin (TE)3.98 %3.65 %

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).

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Three Months Ended June 30,Six Months Ended June 30,2025 Compared to 20242025 Compared to 2024Change Attributable ToChange Attributable To(dollars in thousands)RateVolumeIncrease/ (Decrease)RateVolumeIncrease/ (Decrease)Interest income:Loans receivable$1,618 $1,670 $3,288 $3,194 $3,559 $6,753 Investment securities80 (224)(144)10 (278)(268)Other interest-earning assets(216)243 27 (289)50 (239)Total interest income1,482 1,689 3,171 2,915 3,331 6,246 Interest expense:Savings, checking and money market accounts115 308 423 473 551 1,024 Certificates of deposit(