Company: HBCP
Filing Date: 2025-11-03
Form Type: 10-Q
Source: 0001628280-25-048166
Chunk: 76

Company: HOME BANCORP, INC.
Filing Date: 2025-11-03
Form: 10-Q
Item: Item 8
Chunk 76
---
ized loss on its available for sale investment securities portfolio of $26.5 million, compared to a net unrealized loss of $41.0 million at December 31, 2024. The Company’s investment securities portfolio had an effective duration of 3.5 years and 3.9 years at September 30, 2025 and December 31, 2024, respectively. 

The following table summarizes activity in the Company’s investment securities portfolio during the nine months ended September 30, 2025.

(dollars in thousands)Available for SaleHeld to MaturityBalance, December 31, 2024$402,792 $1,065 Purchases11,652 — Sales— — Principal maturities, prepayments and calls(45,448)— Amortization of premiums and accretion of discounts(166)— Increase in market value14,510 — Balance, September 30, 2025$383,340 $1,065 

Funding Sources

Deposits

Deposits totaled $3.0 billion at September 30, 2025, an increase of $194.8 million, or 7.0%, compared to December 31, 2024. The following table summarizes the changes in the Company’s deposits from December 31, 2024 to September 30, 2025.

(dollars in thousands)September 30, 2025December 31, 2024Increase/(Decrease)Demand deposit$801,974 $733,073 $68,901 9.4 %Savings200,135 210,977 (10,842)(5.1)Money market499,404 457,483 41,921 9.2 NOW641,204 645,246 (4,042)(0.6)Certificates of deposit832,786 733,917 98,869 13.5 Total deposits$2,975,503 $2,780,696 $194,807 7.0 %

38

The average rate paid on interest-bearing deposits was 2.57% for the third quarter of 2025, down 21 bps compared to the third quarter of 2024. At September 30, 2025, certificates of deposit maturing within the next 12 months totaled $810.5