Company: HBCP
Filing Date: 2025-08-01
Form Type: 10-Q
Source: 0001436425-25-000036
Chunk: 20

Company: HOME BANCORP, INC.
Filing Date: 2025-08-01
Form: 10-Q
Item: Item 2
Chunk 20
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 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(1,337)922 (415)(1,175)649 (526)Other borrowings(161)(1,442)(1,603)(909)(2,127)(3,036)Subordinated debt(3)3 — (3)3 — FHLB advances(122)930 808 333 1,645 1,978 Total interest expense(1,508)721 (787)(1,281)721 (560)Increase in net interest income$2,990 $968 $3,958 $4,196 $2,610 $6,806 

Noninterest Income

Noninterest income for the second quarter of 2025 totaled $3.7 million, down $39,000, or 1.0%, from $3.8 million earned for the same period in 2024. Noninterest income decreased over the comparable periods primarily due to a decrease in other income (down $143,000, primarily due to the absence of derivative fee income), which was partially offset by an increase in service fees and charges (up $106,000).

Noninterest income for the six