Company: HBCP
Filing Date: 2025-08-01
Form Type: 10-Q
Source: 0001436425-25-000036
Chunk: 9

Company: HOME BANCORP, INC.
Filing Date: 2025-08-01
Form: 10-Q
Item: Item 2
Chunk 9
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,311 Consumer15 20 35 16 11 27 Total nonaccrual loans14,245 9,095 23,340 8,991 4,591 13,582 Accruing loans 90 days or more past due12 — 12 16 — 16 Total nonperforming loans 14,257 9,095 23,352 9,007 4,591 13,598 Foreclosed assets and ORE2,066 11 2,077 1,963 47 2,010 Total nonperforming assets16,323 9,106 25,429 10,970 4,638 15,608 

37

 June 30, 2025December 31, 2024(dollars in thousands)OriginatedAcquired(1) TotalOriginatedAcquired(1) Total Nonperforming loans to total loans0.84 %0.50 %Nonperforming loans to total assets0.67 %0.39 %Nonperforming assets to total assets0.73 %0.45 %

(1)Nonaccrual acquired loans include PCD loans of $1.2 million and $1.3 million at June 30, 2025 and December 31, 2024, respectively.

Foreclosed assets and ORE includes real property and other assets that have been acquired as a result of foreclosure, and real property no longer used in the Bank's business. Foreclosed assets and ORE are classified as such until sold or disposed. Foreclosed assets are recorded at fair value less estimated selling costs based on third party property valuations which are obtained at the time the asset is repossessed and periodically until the property is liquidated. ORE is recorded at the lower of its net book value or fair value at the date of transfer to ORE. Foreclosed assets and ORE holding costs are charged to expense. Gains and losses on the sale of foreclosed assets and ORE are charged to operations, as incurred. Costs associated with acquiring and improving a foreclosed property or ORE are capitalized to the extent that the carrying value does not exceed fair value less estimated selling costs.

Investment Securities

The Company’s investment securities portfolio totaled $394.5 million as of June 30, 2025, a decrease of $9.3 million, or