Company: HBCP
Filing Date: 2025-08-01
Form Type: 10-Q
Source: 0001436425-25-000036
Chunk: 18

Company: HOME BANCORP, INC.
Filing Date: 2025-08-01
Form: 10-Q
Item: Item 2
Chunk 18
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 1.71 %$1,260,491 $5,108 1.63 %Certificates of deposit791,240 7,611 3.86 704,690 8,026 4.58 Total interest-bearing deposits2,087,781 13,142 2.52 1,965,181 13,134 2.69 

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 Three Months Ended June 30, 20252024(dollars in thousands)Average BalanceInterestAverage Yield/RateAverage BalanceInterestAverage Yield/RateOther borrowings5,572 53 3.84 140,610 1,656 4.74 Subordinated debt54,540 844 6.20 54,322 844 6.22 Short-term FHLB advances100,806 1,120 4.39 7,960 110 5.45 Long term FHLB advances13,217 119 3.58 38,539 321 3.33 Total interest-bearing liabilities2,261,916 $15,278 2.71 2,206,612 $16,065 2.93 Noninterest-bearing liabilities808,479 787,456 Total liabilities3,070,395 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