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

Company: HOME BANCORP, INC.
Filing Date: 2025-08-01
Form: 10-Q
Item: Item 2
Chunk 10
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 2.3%, from December 31, 2024. During the second quarters of 2025 and 2024, the Company had no gains or losses related to the sale of available-for-sale investment securities. At June 30, 2025, the Company had a net unrealized loss on its available for sale investment securities portfolio of $30.2 million, compared to a net unrealized loss of $41.0 million at December 31, 2024. The Company’s investment securities portfolio had an effective duration of 3.6 years and 3.9 years at June 30, 2025 and December 31, 2024, respectively. 

The following table summarizes activity in the Company’s investment securities portfolio during the six months ended June 30, 2025.

(dollars in thousands)Available for SaleHeld to MaturityBalance, December 31, 2024$402,792 $1,065 Purchases7,392 — Sales— — Principal maturities, prepayments and calls(27,433)— Amortization of premiums and accretion of discounts(111)— Increase in market value10,822 — Balance, June 30, 2025$393,462 $1,065 

Funding Sources

Deposits

Deposits totaled $2.9 billion at June 30, 2025, an increase of $127.5 million, or 4.6%, compared to December 31, 2024. The following table summarizes the changes in the Company’s deposits from December 31, 2024 to June 30, 2025.

(dollars in thousands)June 30, 2025December 31, 2024Increase/(Decrease)Demand deposit$796,844 $733,073 $63,771 8.7 %Savings204,191 210,977 (6,786)(3.2)Money market463,332 457,483 5,849 1.3 NOW625,793 645,246 (19,453)(3.0)Certificates of deposit818,074 733,917 84,157 11.5 Total deposits$2,908,234 $2,780,696 $127,538 4.6 %

38

The average rate