Company: HBCP
Filing Date: 2025-03-12
Form Type: 10-K
Source: 0001436425-25-000012
Chunk: 33

Company: HOME BANCORP, INC.
Filing Date: 2025-03-12
Form: 10-K
Item: Item 8
Chunk 33
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180 217 6,166 Consumer702 (175)39 168 734 Total allowance for loan losses$29,299 $(471)$368 $2,341 $31,537 Unfunded lending commitments2,093 — — 501 2,594 Total allowance for credit losses$31,392 $(471)$368 $2,842 $34,131 For the Year Ended December 31, 2022(dollars in thousands)Beginning BalanceAllowance for Acquired PCD LoansCharge-offsRecoveriesProvision (Reversal)Ending BalanceAllowance for credit losses:One- to four-family first mortgage$1,944 $— $(80)$39 $980 $2,883 Home equity loans and lines508 — — 14 102 624 Commercial real estate10,454 1,220 (270)— 2,410 13,814 Construction and land3,572 — — — 1,108 4,680 Multi-family residential457 — — — 115 572 Commercial and industrial3,520 195 (792)509 2,592 6,024 Consumer634 — (256)142 182 702 Total allowance for loan losses$21,089 $1,415 $(1,398)$704 $7,489 $29,299 Unfunded lending commitments1,815 — — — 278 2,093 Total allowance for credit losses$22,904 $1,415 $(1,398)$704 $7,767 $31,392 

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The ACL, which includes the ALL and the ACL on unfunded lending commitments, and recorded investment in loans as of the dates indicated are as follows. As of December 31, 2024(dollars in thousands)Collectively EvaluatedIndividually EvaluatedTotalAllowance for credit losses:One- to four-family first mortgage$4,430 $— $4,430 Home equity loans and lines801 — 801 Commercial real estate13,321 200 13,521 Construction and land5,484 — 5,484 Multi-family residential1,090 — 1,090 Commercial and industrial6,613