Company: HBCP
Filing Date: 2025-08-01
Form Type: 10-Q
Source: 0001436425-25-000036
Chunk: 84

Company: HOME BANCORP, INC.
Filing Date: 2025-08-01
Form: 10-Q
Item: Item 8
Chunk 84
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,070,395 2,994,068 Shareholders’ equity404,367 373,139 Total liabilities and shareholders' equity$3,474,762 $3,367,207 Net interest-earning assets$999,817 $960,574 Net interest spread (TE)$33,351 3.21 %$29,393 2.77 %Net interest margin (TE)4.04 %3.66 %

(1)Nonperforming loans are included in the respective average loan balances, net of deferred fees, discounts and loans in process.

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Six Months Ended June 30,20252024(dollars in thousands)Average BalanceInterestAverage Yield/RateAverage BalanceInterestAverage Yield/RateInterest-earning assets:Loans receivable(1)$2,754,691 $89,319 6.46 %$2,627,636 $82,566 6.23 %Investment securitiesTaxable416,922 5,115 2.45 451,730 5,382 2.38 Tax-exempt (TE)16,121 145 2.27 16,309 146 2.27 Total investment securities433,043 5,260 2.45 468,039 5,528 2.38 Other interest-earning assets63,501 1,251 3.97 54,229 1,490 5.53 Total interest-earning assets (TE)3,251,235 $95,830 5.88 3,149,904 $89,584 5.65 Noninterest-earning assets210,952 200,641 Total assets$3,462,187 $3,350,545 Interest-bearing liabilities:Deposits:Savings, checking and money market$1,301,544 $10,932 1.69 %$1,264,892 $9,908 1.58 %Certificates of deposit761,823 14,832 3.93 686,522 15,358 4.50 Total interest-bearing deposits2,063,367 25,764 2.52 1,951,414 25,266 2.60 Other borrowings5,556 106 3.86 133,294 3,142 4.74