Company: HBCP
Filing Date: 2025-11-03
Form Type: 10-Q
Source: 0001628280-25-048166
Chunk: 48

Company: HOME BANCORP, INC.
Filing Date: 2025-11-03
Form: 10-Q
Item: Item 8
Chunk 48
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 $56 $464 $53 $10 $25 $670 $— $1,285 

18

The above classifications follow regulatory guidelines and can generally be described as follows: •Pass loans are of satisfactory quality.•Special mention loans have an existing weakness that could cause future impairment, including the deterioration of financial ratios, past due status, questionable management capabilities and possible reduction in the collateral values.•Substandard loans have an existing specific and well-defined weakness that may include poor liquidity and deterioration of financial performance. Such loans may be past due and related deposit accounts experiencing overdrafts. Immediate corrective action is necessary.•Doubtful loans have specific weaknesses that are severe enough to make collection or liquidation in full highly questionable and improbable.In addition, residential loans are classified using an inter-agency regulatory methodology that incorporates, among other factors, the extent of delinquencies and loan-to-value ratios. These classifications were the most current available as of the dates indicated and were generally updated within the quarter.

Age analysis of past due loans as of the dates indicated are as follows. September 30, 2025(dollars in thousands)30-59 Days Past Due60-89 Days Past DueGreater Than 90 Days Past DueTotal Past DueCurrent LoansTotal LoansReal estate loans:One- to four-family first mortgage$4,917 $714 $5,051 $10,682 $479,918 $490,600 Home equity loans and lines129 100 29 258 86,627 86,885 Commercial real estate2,496 1,334 3,007 6,837 1,168,547 1,175,384 Construction and land318 1,595 9,713 11,626 314,099 325,725 Multi-family residential— — 973 973 183,049 184,022 Total real estate loans7,860 3,743 18,773 30,376 2,232,240 2,262,616 Other loans:Commercial and industrial222 132 989 1,343 412,247 413,590 Consumer102 21 37 160 29,529 29,689 Total other loans324 153 1,026 1,503 441,776 443,279 Total loans$8,184 $3,896