Company: HBCP
Filing Date: 2025-05-02
Form Type: 10-Q
Source: 0001436425-25-000018
Chunk: 16

Company: HOME BANCORP, INC.
Filing Date: 2025-05-02
Form: 10-Q
Item: Item 2
Chunk 16
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 (i) the total dollar amount of interest income of the Company from interest-earning assets and the resultant average yields; (ii) the total dollar amount of interest expense on interest-bearing liabilities and the resultant average rate; (iii) net interest income; (iv) net interest spread; and (v) net interest margin. Information is based on average monthly balances during the indicated periods. Taxable equivalent yields are calculated using a marginal tax rate of 21%.

 Three Months Ended March 31, 20252024(dollars in thousands)Average BalanceInterestAverage Yield/RateAverage BalanceInterestAverage Yield/RateInterest-earning assets:Loans receivable(1)$2,745,212 $44,032 6.43 %$2,602,941 $40,567 6.18 %Investment securitiesTaxable423,412 2,592 2.45 456,246 2,715 2.38 Tax-exempt (TE)16,144 72 2.26 16,332 73 2.26 Total investment securities439,556 2,664 2.44 472,578 2,788 2.38 Other interest-earning assets55,851 505 3.67 57,103 771 5.43 Total interest-earning assets (TE)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,