Earnings Conference Call
Our CompanyHeadquarters: Lafayette, LA
Ticker: HBCP (NASDAQ)
History:Founded in 1908
IPO completed October 2008
Six acquisitions completed since 2010
43 locations across Southern Louisiana, Western Mississippi and Houston
Highlights:Total Assets: $3.6 billion at September 30, 2026
Market Cap: $519 million at October 16, 2026
Ownership (S&P Global as of October 16, 2026)
Institutional: 55%
Insider/ESOP: 12%
Total Assets
$3.6B
Total Loans
$2.8B
Total Deposits
$3.1B
Our Markets Quarterly Financial Highlights(dollars in thousands, except per share data)
2Q 2025 | 3Q 2025 | 4Q 2025 | 1Q 2026 | 2Q 2026 | 3Q 2026 | |||||||
Profitability | ||||||||||||
Net income | $ 11,330 | $ 12,357 | $ 11,411 | $ 11,360 | $ 11,615 | $ 10,097 | ||||||
Diluted EPS | 1.45 | 1.59 | 1.46 | 1.45 | 1.48 | 1.28 | ||||||
Net interest income | 33,351 | 34,106 | 34,048 | 34,482 | 35,805 | 35,915 | ||||||
Provision (reversal) for loan losses | 489 | (229) | 480 | 922 | 762 | 1,019 | ||||||
Core pre-provision net income(1) | 10,881 | 12,113 | 11,721 | 12,124 | 12,225 | 10,919 | ||||||
Net interest margin ("NIM") | 4.04 % | 4.10 % | 4.06 % | 4.16 % | 4.24 % | 4.19 % | ||||||
ROA | 1.31 | 1.41 | 1.29 | 1.30 | 1.31 | 1.12 | ||||||
ROE | 11.2 | 11.8 | 10.5 | 10.4 | 10.3 | 8.7 | ||||||
ROATCE(1) | 14.5 | 15.0 | 13.3 | 13.1 | 12.9 | 10.9 | ||||||
Efficiency ratio | 60.5 | 59.5 | 60.6 | 60.0 | 61.8 | 65.6 | ||||||
Balance Sheet | ||||||||||||
Assets | $ 3,491,455 | $ 3,494,074 | $ 3,492,626 | $ 3,554,643 | $ 3,603,193 | $ 3,596,367 | ||||||
Loans | 2,764,538 | 2,705,895 | 2,744,023 | 2,728,146 | 2,778,890 | 2,774,864 | ||||||
Total deposits | 2,908,234 | 2,975,503 | 2,972,806 | 3,026,781 | 3,068,883 | 3,053,500 | ||||||
Allowance / total loan ratio | 1.21 % | 1.21 % | 1.21 % | 1.23 % | 1.22 % | 1.24 % | ||||||
TCE Ratio | 9.5 | 9.9 | 10.3 | 10.4 | 10.5 | 10.5 | ||||||
Loan/Deposit ratio | 95.1 | 90.9 | 92.3 | 90.1 | 90.6 | 90.9 | ||||||
Per Share Data | ||||||||||||
Share price | $ 51.78 | $ 54.33 | $ 57.80 | $ 60.58 | $ 68.52 | $ 66.06 | ||||||
Book value | 52.36 | 54.05 | 55.56 | 56.73 | 57.63 | 57.55 | ||||||
Tangible book value(1) | 41.54 | 43.29 | 44.84 | 46.04 | 47.02 | 46.97 | ||||||
Price / tangible book value per share | 125 % | 126 % | 129 % | 132 % | 146 % | 141 % | ||||||
Dividend paid | $ 0.27 | $ 0.29 | $ 0.31 | $ 0.31 | $ 0.31 | $ 0.32 | ||||||
(1) See appendix for reconciliation of Non-GAAP items. | | 5 | |||||||||||
4,000
CAGR = 11.4%
as of September 30, 2026
3,500
3,000
Bank of New Orleans -
$346 MM
St. Martin Bank & Trust -
$597 MM
Texan Bank -
$416 MM
Home Bank Total Assets ($ in millions)
2,500
2,000
Guaranty Savings Bank -
$257 MM
Britton & Koontz Bank -
$301 MM
1,500
Statewide Bank -
$199 MM
1,000
500
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Sep-
26
YTD
| 6
Profitability(1) Return on Average AssetsReturn on Average Equity
2.0%
1.8%
1.6%
1.4%
1.2%
1.0%
0.8%
0.6%
0.4%
0.2%
0.0%
1.39
1.27
1.32
1.38
1.12
1.25
1.04
1.12
1.21
1.76
1.33
1.31
0.99
1
1.23
1
1.30
1
.08
.07
.12
2020 2021 2022 2023 2024 2025 1Q
2026
GAAP Core pre-provision earnings
2Q
2026
3Q
2026
16.0%
14.0%
12.0%
10.0%
8.0%
6.0%
4.0%
2.0%
0.0%
11.8 11.9
11.1 11.1
9.9
10.9
9.5
14.4
11.1
10.4
8.7
7.8
10.3
10.2
8.5
8.9
11.6
9.6
2020 2021 2022 2023 2024 2025 1Q
2026
GAAP Core pre-provision earnings
2Q
2026
3Q
2026
Return on Tangible Common Equity20.0%
Efficiency Ratio70.0%
18.0%
16.0%
14.0%
12.0%
10.0%
11.1
10.5
15.6 15.9
12.8
13.9 13.7 13.4
11.6
65.0%
60.0%
64.8
63.8
61.2 61.3
64.6
60.8
59.7
61.6
65.4
8.0%
6.0%
4.0%
2.0%
0.0%
10.2
18.0
13.9
16.0
12.7 14.3 13.1 12.9
10.9
55.0%
50.0%
59.1
57.1
62.1
61.2
64.7
60.2 60.0
61.8
65.6
2020 2021 2022 2023 2024 2025 1Q
2026
ROATCE Core pre-provision earnings
2Q
2026
3Q
2026
2020 2021 2022 2023 2024 2025 1Q
2026
GAAP Core pre-provision earnings
2Q
2026
3Q
2026
| 7
(1) See appendix for reconciliation of Non-GAAP items.
Loan Portfolio(as of September 30, 2026)
(1)%
3%
4%
8%
6%
(8)% (2)%
7%
1%
6%
Loan Balance Outstanding ($ in millions)
2,800
2,750
2,700
CompositionHome Equity 3%
Multifamily 7%
C&D 11%
Annualized Growth Rate
Consumer 1%
CRE O.O. 28%
2,650
2,600
C&I 17%
1-4 Mortgage
17%
CRE N.O.O. 16%
2,550
1Q
2024
3Q
2024
1Q
2025
3Q
2025
1Q
2026
3Q
2026
Market Diversification2%
Northshore
12%
Acadiana
27%
Houston
21%
New Orleans
27%
MS
Baton Rouge
Total Loans Annualized Growth Rate
11%
Total loans - $2.8 billion
3Q 2026 WAR - 6.40%
Houston market - 6% YTD annualized growth rate
| 8
OO CRE Portfolio(as of September 30, 2026)
% of Total % of OO Avg Loan Criticized | |||||
dollars in thousands | Balances | Loans | CRE | Size | Balances |
Convenience Store | $ 177,514 | 6 % | 23 % $ | 1,675 | $ - |
Warehouse or Industrial | 126,998 | 5 | 16 | 730 | 7,329 |
Office | 112,128 | 4 | 14 | 494 | 785 |
Office Medical | 88,224 | 3 | 11 | 840 | 4,837 |
Other Specialty Use | 60,237 | 2 | 8 | 972 | 6,905 |
Retail Single Tenant | 53,332 | 2 | 7 | 658 | - |
Church/School Mtg | 47,181 | 2 | 6 | 1,026 | 1,417 |
Hospital or Surgical Center | 46,979 | 2 | 6 | 4,271 | - |
Restaurant/Bar | 46,406 | 2 | 6 | 682 | 3,503 |
Other | 25,762 | 1 | 3 | 758 | 1,066 |
Total $ 784,761 28 % 100 % $ 859 $ 25,842
Repricing or Maturing Term | |||||
dollars in thousands | 3 mths or less | 4 - 12 mths | 1 - 3 Years | 3 - 5 Years | 5+ Years |
Balances $ 171,668 $ 70,329 $ 159,967 $ 234,539 $ 148,258
WAR 6.2 % 5.3 % 6.1 % 6.4 % 4.6 %
Average Rate
5.8%
Fixed Rate %
61%
Nonaccrual
Balance
$12.3 million
Convenience Store
Balances
88% in Houston
Geographic Exposure
Southwest LA, 1%
Mississippi, 1%
Baton Rouge 11%
Northshore
11%
Houston, 38%
New Orleans
14%
Acadiana, 24%
| 9
NOO CRE Portfolio, including Multifamily
Average Rate
6.05%
Fixed Rate %
68%
Nonaccrual Balance
$10.7 million
Geographic Exposure
Other, 1%
Baton Rouge
8%
Acadiana
12%
New Orleans
42%
Northshore
18%
Houston
19%
(as of September 30, 2026)
dollars in thousands
Balances
% of
Total Loans
% of
NOO Avg Loan
CRE
Size
Criticized
Balances
Multifamily | $ 194,134 | 7 % | 31 % $ | 1,330 | $ 2,292 |
Retail Multi-tenant | 106,734 | 4 | 17 | 1,570 | - |
Other | 72,849 | 3 | 11 | 1,194 | 238 |
Multi Use Facility | 65,975 | 2 | 10 | 1,100 | 9,302 |
Office | 62,773 | 2 | 10 | 923 | 5,948 |
Hotel/Motel | 53,160 | 2 | 8 | 1,329 | 11,847 |
Warehouse or Industrial | 43,053 | 2 | 7 | 574 | - |
Retail Single Tenant | 14,205 | 1 | 2 | 458 | 326 |
Hospital or Surgical Center | 10,457 | - | 2 | 1,743 | - |
Other Specialty Use | 10,310 | - | 2 | 573 | 100 |
Total $ 633,650 23 % 100 % $ 1,106 $ 30,053
Repricing or Maturing Term | |||||
dollars in thousands | 3 mths or less | 4 - 12 mths | 1-3 years | 3-5 Years | 5+ Years |
Balances | $ 150,584 $ | 85,613 $ 171,725 $ 165,593 $ | 60,135 | ||
WAR | 6.3 % | 4.6 % | 6.4 % | 6.6 % | 5.2 % |
| 10
Average Rate
NOO 5.6%
OO 6.0%
Average
Remaining Maturity
NOO 5.7 yrs
OO 6.8 yrs
Nonaccrual Balance
NOO loans - $172,000 OO loans - $112,000
Total Non-Medical Office Loans
$174.9 million or 6.3% of total loans
CRE Non-Medical Office Exposure(as of September 30, 2026)
NOO Office Exposuredollars in thousands
Balances
% of Total Loans Avg Loan Size
Criticized
Balances
Baton Rouge | $ 23,905 | 0.9 % $ | 1,258 | $ 172 |
Houston | 19,800 | 0.7 | 1,980 | 5,776 |
Northshore | 6,508 | 0.2 | 813 | - |
Acadiana | 8,904 | 0.3 | 387 | - |
New Orleans | 3,431 | 0.1 | 572 | - |
Mississippi | 141 | - | 141 | - |
Southwest LA | 84 | - | 84 | - |
Total NOO Office | $ 62,773 | 2.2 % $ | 923 | $ 5,948 |
dollars in thousands
Balances
% of Total Loans Avg Loan Size
Criticized
Balances
Acadiana | $ 32,701 | 1.2 % $ | 442 | $ - |
Houston | 26,945 | 1.0 | 929 | - |
New Orleans | 22,999 | 0.8 | 535 | 112 |
Baton Rouge | 13,891 | 0.5 | 409 | - |
Northshore | 11,554 | 0.4 | 444 | - |
Southwest LA | 1,381 | 0.1 | 126 | - |
Mississippi | 2,657 | 0.1 | 266 | 673 |
Total OO Office | $ 112,128 | 4.1 % $ | 494 | $ 785,000 |
| 11
Commercial & Industrial(as of September 30, 2026)
dollars in thousands | Balances | % of C&I | % of Loans | Avg Loan Size | Criticized Balances | ||
Finance and Insurance | 51,782 | 11.2 | 1.9 | 893 | 3,565 | ||
Retail | 47,128 | 10.2 | 1.7 | 244 | - | ||
Real Estate Leasing | 45,667 | 9.9 | 1.6 | 188 | 2,464 | ||
Construction | 44,405 | 9.6 | 1.6 | 145 | 1,088 | ||
Professional Services | 43,930 | 9.5 | 1.6 | 118 | 946 | ||
Manufacturing | 41,782 | 9.0 | 1.5 | 294 | 12,894 | ||
Transportation | 40,259 | 8.7 | 1.5 | 305 | 255 | ||
Agriculture | 34,788 | 7.5 | 1.3 | 208 | 1,797 | ||
Healthcare | 31,228 | 6.7 | 1.1 | 141 | 1,490 | ||
Oil & Gas Extraction | 16,514 | 3.6 | 0.6 | 246 | 766 | ||
Other | $ | 65,182 | 14.1 % | 2.3 % $ | 160 | $ | 1,102 |
Totals | $ 462,665 100 % 16.7 % $ 199 $ 26,367 | ||||||
Repricing or Maturing Term | |||||
dollars in thousands | 3 mths or less | 4 -12 Mths | 1 - 3 Years | 3 - 5 Years | 5+ Years |
Balances $ 260,349 $ 28,257 $ 61,132 $ 39,276 $ 73,651
WAR 7.5 % 5.9 % 6.8 % 6.6 % 6.5 %
LOC Utilization
Rate
47%
Nonaccrual
Balance
$6.7 million
Average Rate
7.1%
Fixed Rate %
42%
Geographic Exposure
Other Natchez
3% 3%
Northshore 7%
Southwest LA 9%
Acadiana
42%
New Orleans
11%
Houston
11%
Baton Rouge
14%
C&D Portfolio(as of September 30, 2026)
CompositionTotal
Balance
Average
Balance
$304 million
$552K
1.6%
on Nonaccrual
$1.0M
net charge-offs
or $4.8 million since 2009
1-4 Family
Construction, 19%
Lots,
Development and Unimproved Land, 22%
Commercial
Construction, 59%
1.00%
0.75%
0.50%
0.25%
-% (0.25)%
Historic Charge-off (Recovery Rate)2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Sep-
26
YTD
Charge-off (recovery)
Loans & Securities - Repricing and Maturity(as of September 30, 2026)
Loan Repricing or Maturing Term | Rate Structure | |||||||||
Total Loans and Leases (1) dollars in millions | Floating Rate* | 3 mths or less | 4 -12 Mths | 1 - 3 Years | 3 - 5 Years | 5 - 7 Years | 7+ Years | Total | Fixed | Adjustable |
Residential mortgages | $37 | $16 | $63 | $100 | $92 | $25 | $137 | $470 | $252 | $218 |
Home equity loans and lines | 84 | 0 | 1 | 1 | 1 | 1 | 3 | 91 | 7 | 84 |
Commercial real estate | 222 | 75 | 117 | 270 | 357 | 87 | 96 | 1,224 | 763 | 461 |
Construction and land | 154 | 68 | 31 | 32 | 15 | 2 | 2 | 304 | 111 | 193 |
Multifamily | 18 | 7 | 39 | 62 | 43 | 16 | 9 | 194 | 148 | 46 |
Commercial and industrial | 236 | 24 | 28 | 61 | 40 | 47 | 27 | 463 | 196 | 267 |
Other consumer | 10 | 2 | 2 | 5 | 3 | 2 | 5 | 29 | 24 | 5 |
Total Loans and Leases | $761 | $192 | $281 | $531 | $551 | $180 | $279 | $2,775 | $1,501 | $1,274 |
% of Total | 27% | 7% | 10% | 20% | 20% | 6% | 10% | 100% | 54% | 46% |
Cumulative | 27% | 34% | 44% | 64% | 84% | 90% | 100% | |||
Weighted average rate | 7.16% | 5.81% | 5.45% | 6.44% | 6.53% | 5.45% | 5.14% | 6.32% | 5.75% | 6.98% |
*Floating rate loans reprice regularly every 3 months or less.
Investment Securities Projected Cash Flow | |||||||||
Total Investment Securities dollars in millions | (2) | 3 mths less | or | 4 -12 Mths | 1 - 3 Years | 3 - 5 Years | 5 - 7 Years | 7+ Years | Total |
Current par value | $19 | $50 | $142 | $115 | $55 | $75 | $455 | ||
% of Total | 4% | 11% | 31% | 25% | 13% | 16% | 100% |
Cumulative | 4% | 15% | 46% | 71% | 84% | 100% | |
Weighted average rate | 2.53% | 2.84% | 2.29% | 3.27% | 2.96% | 2.94% | 2.79% |
(1) Based on maturity date for fixed rate loans. (2) Par value for securities at September 30, 2026 by expected cash flow are shown. Actual cash flow may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without prepayment penalties.
| 14
Changes in ALL$31.5
$(1.4)
$(0.9)
$(1.0)
$31.5
$2.7
$1.1
$2.4
2026
2025
2024
$33.1
$34.4
$32.9
40
30
($ in millions)
20
10
0
Dec 2023 Organic Provision
Net Charge-offs
Dec 2024 Organic Provision
Net Charge-offs
Dec 2025 Organic Provision
Net Charge-offs
Sep 2026
(dollars in thousands) | 9/30/2025 | 12/31/2025 | 3/31/2026 | 6/30/2026 | 9/30/2026 | |||||
Total loans | $ 2,705,895 | $ 2,744,023 | $ 2,728,146 | $ 2,778,890 | $ 2,774,864 | |||||
Total nonperforming loans | 29,522 | 34,176 | 35,809 | 26,424 | 42,168 | |||||
Total special mention loans | 3,959 | 4,624 | 11,148 | 26,911 | 22,183 | |||||
Total substandard loans | 57,643 | 61,131 | 61,500 | 68,889 | 82,861 | |||||
Total criticized loans | $ 61,602 | $ 65,755 | $ 72,648 | $ 95,800 | $ 105,044 | |||||
Nonperforming loans / Total loans | 1.09 | % | 1.25 | % | 1.31 | % | 0.95 | % | 1.52 | % |
Criticized loans / Total loans | 2.28 | % | 2.40 | % | 2.66 | % | 3.45 | % | 3.79 | % |
ALL / Total Loans | 1.21 | % | 1.21 | % | 1.23 | % | 1.22 | % | 1.24 | % |
1.49
1.30
1.03
0.77
0.49
0.34
0.45
0.31
1.6%
1.4%
1.2%
1.0%
0.8%
0.6%
0.4%
0.2%
0.0%
2019 2020 2021 2022 2023 2024 2025 Sep-26
YTD
NPAs / Total Assets
ALL / NPAs267
304
165
211
146
92
64
63
350%
300%
250%
200%
150%
100%
50%
0%
2019 2020 2021 2022 2023 2024 2025 Sep-26
YTD
ALL / NPAs
Loans Past Due1.73
1.24
1.03
1.20%
0.83
0.76
0.41
0.52
2.5%
2.0%
1.5%
1.0%
0.5%
0.0%
2019 2020 2021 2022 2023 2024 2025 Sep-26
YTD
Net Charge-offs / YTD Average Loans0.12
0.09
0.09
0.07
0.03
0.04
0.03
0.00
0.15%
0.10%
0.05%
0.00%
2019 2020 2021 2022 2023 2024 2025 Sep-26
YTD
Past Due Loans / Loans
12% of total assets | 2.9% Q3 yield |
$36.5 million unrealized loss ~ 8.1% of book value | 100% AFS |
$11.4 million MV decline in Q3 | $17.9 million increase in book value QoQ |
(dollars in thousands) Book Value Gain/(loss) Eff. Duration
MBS $207,568 $(21,164) 4.2
Agency CMBS 165,434 (6,337) 2.4
Muni 52,703 (7,587) 4.9
CMO 11,706 (670) 3.1
Agency 9,636 (694) 3.3
Corp 5,000 - 3.9
Total $452,047 $(36,452) 3.6
10 Year Investment Cash Flow$90,000
$80,000
$70,000
$60,000
$50,000
$40,000
$30,000
$20,000
$10,000
$-
FYE 2026
FYE 2027
FYE 2028
FYE 2029
FYE 2030
FYE 2031
FYE 2032
FYE 2033
FYE 2034
FYE 2035
100%
90%
94%
80%
85%
73%
60%
49%
37%
22%
4%
90%
80%
70%
60%
50%
40%
30%
20%
10%
-%
Expected Principal Cash Flows (dollars in thousands) Percentage of Cash Flows - Cumulative
CMO Agency 2% 2%
Corp
1%
Muni
12%
MBS
46%
Agency CMBS
37%
Deposits(as of September 30, 2026)
11%
15%
12%
16%
9%
15%
8%
17%
7%
17%
6%
19%
13%
13%
24%
26%
27%
25%
31%
25%
24%
23%
22%
23%
30%
34%
28%
26%
27%
27%
3,600
$ in millions
3,200
2,800
2,400
2021 2022 2023 2024 2025 Sep 2026
Demand deposits NOW Certificates of deposit
Money Market Savings Balance
Change
(dollars in thousands)
9/30/2025 6/30/2026 9/30/2026
QoQ
YoY
Demand Deposits $ 801,974 $ 835,118 $ 827,696 $ (7,422) $ 25,722
Savings 200,135 197,412 192,180 (5,232) (7,955)
Money Market 499,404 571,474 585,742 14,268 86,338
CDs | 832,786 | 737,040 | 749,990 | 12,950 | (82,796) |
Total Deposits | $ 2,975,503 | $ 3,068,883 | $ 3,053,500 | $ (15,383) $ | 77,997 |
NOW 641,204 727,839 697,892 (29,947) 56,688
$37,339
Average deposit size
27%
Non-interest bearing deposit composition
4%
Annualized 2026 growth rate
Baton Rouge, 4%
Mississippi, 7%
Northshore
10%
Acadiana
53%
Houston
11%
New Orleans
15%
Deposits(as of September 30, 2026)
Retail | Business | Public | Broker | Total | |
FDIC Insured | 43% | 17% | -% | -% | 60% |
Uninsured (1) | 7 | 18 | - | - | 25 |
Reciprocal | - | 6 | - | - | 6 |
Public Funds | - | - | 7 | - | 7 |
Brokered Deposits | - | - | - | 2 | 2 |
Total | 50% | 41% | 7% | 2% | 100% |
4.80
4.40
4.00
3.60
3.20
2.80
2.40
2.00
2.69
2.52
2.78
Cost of Deposits4.41
4.58 4.59
4.33
4.00 3.86
3.85
3.83
3.50
3.41
3.45
2.29 | 2.28 | 2.33 |
1.82 1.94 2.03 1.94 1.85 1.84 1.88 1.84 1.68 | 1.66 | 1.69 |
FHLB availability | $ 1,339,761 |
Unencumbered investments (book) | 76,011 |
FRB discount window | 700 |
Total primary funding sources | $ 1,416,472 |
Fed fund lines | 55,000 |
Total primary and secondary liquidity | $ 1,471,472 |
2.66 2.51 2.52 2.57 2.51
1.60 1.20 | 1.52 | 1.63 | 1.75 | 1.73 | 1.68 | 1.71 | 1.76 | 1.71 | 1.65 | 1.72 | 1.76 |
1Q | 2Q | 3Q | 4Q | 1Q | 2Q | 3Q | 4Q | 1Q | 2Q | 3Q | |
2024 | 2024 | 2024 | 2024 | 2025 | 2025 | 2025 | 2025 | 2026 | 2026 | 2026 |
Interest-bearing non-maturity deposits Certificates of deposit Total interest-bearing deposits Total deposits
(1) Excluding internal accounts, over FDIC limit and not collateralized
(2) Total primary funding sources covering uninsured deposits.
| 19
Uninsured Deposits(1)
Approximately $760 million or 25% of total deposits
Coverage of
Uninsured Deposits(2)
186%
(in thousands)
Q3 2026
Funding Availability
NIM (TE)
4.24
4.16
4.19
4.10
4.04
4.06
3.91
3.82
4.40%
4.20%
4.00%
3.64 3.66 | 3.71 | ||||||||
1Q 2Q | 3Q | 4Q | 1Q | 2Q | 3Q | 4Q | 1Q | 2Q | 3Q |
24 24 | 24 | 24 | 25 | 25 | 25 | 25 | 26 | 26 | 26 |
3.80%
3.60%
4.19%
NIM for the quarter ended September 2026
1.69%
Cost of total deposits for the quarter ended September 2026
Yield on LoansNIM
Cost of Interest-Bearing Liabilities6.60%
6.40%
6.20%
3.3%
6.50
6.53
6.43 6.43 6.43
6.44
6.46
6.41
6.40
6.28
6.18
3.02
2.93
2.87
2.79
2.74
2.71
2.69
2.60
2.38 2.38
2.42
3.0%
2.8%
2.5%
6.00%
2.3%
1Q | 2Q | 3Q | 4Q | 1Q | 2Q | 3Q | 4Q | 1Q | 2Q | 3Q | 1Q | 2Q | 3Q | 4Q | 1Q | 2Q | 3Q | 4Q | 1Q | 2Q | 3Q |
24 | 24 | 24 | 24 | 25 25 25 Loan Yield | 25 | 26 | 26 | 26 | 24 | 24 | 24 | 24 | 25 | 25 | 25 | 25 | 26 | 26 | 26 | ||
| 20
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