Company: HBCP
Filing Date: 2025-11-03
Form Type: 10-Q
Source: 0001628280-25-048166
Chunk: 86

Company: HOME BANCORP, INC.
Filing Date: 2025-11-03
Form: 10-Q
Item: Item 8
Chunk 86
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) 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).

44

Three Months Ended September 30,Nine Months Ended September 30,2025 Compared to 20242025 Compared to 2024Change Attributable ToChange Attributable To(dollars in thousands)RateVolumeIncrease/ (Decrease)RateVolumeIncrease/ (Decrease)Interest income:Loans receivable$721 $1,175 $1,896 $4,117 $4,532 $8,649 Investment securities81 (254)(173)(68)(373)(441)Other interest-earning assets(118)238 120 (233)114 (119)Total interest income684 1,159 1,843 3,816 4,273 8,089 Interest expense:Savings, checking and money market accounts(112)324 212 519 717 1,236 Certificates of deposit(1,432)1,117 (315)(1,461)620 (841)Other borrowings(169)(1,450)(1,619)(1,703)(2,952)(4,655)Subordinated debt(3)4 1 (3)4 1 FHLB advances(44)(116)(160)488 1,330 1,818 Total interest expense(1,760)(121)(1,881)(2,160)(281)(2,441)Increase in net interest income$2,444 $1,280 $3,724 $5,976 $4,554 $10,530 

Noninterest Income

Noninterest income for the third quarter of 2025 totaled $3.7 million, up $46,000, or 1.2%, from $3.7 million earned for the same period in 2024. Noninterest income increased over the comparable period primarily due to an increase in service fees and charges (up $117,000), which was partially offset by a decrease in other income (down $70,000).

Noninterest income for the nine months ended September 30, 2025 totaled $11.5 million, up $467,000, or 4.2