Company: HBCP
Filing Date: 2025-05-02
Form Type: 10-Q
Source: 0001436425-25-000018
Chunk: 12

Company: HOME BANCORP, INC.
Filing Date: 2025-05-02
Form: 10-Q
Item: Item 2
Chunk 12
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 Phased-InTo Be Well Capitalized Under Prompt Corrective Action Provisions(dollars in thousands)AmountRatioAmountRatioAmountRatioCompany:Tier 1 risk-based capital$343,165 11.85 %$246,103 8.50 %N/AN/ATotal risk-based capital433,456 14.97 304,009 10.50 N/AN/ATier 1 leverage capital343,165 10.20 134,589 4.00 N/AN/ABank:Common equity Tier 1 capital (to risk-weighted assets)$385,061 13.34 %$202,004 7.00 %$187,575 6.50 %Tier 1 risk-based capital385,061 13.34 245,290 8.50 230,861 8.00 Total risk-based capital420,839 14.58 303,005 10.50 288,577 10.00 Tier 1 leverage capital385,061 11.48 134,219 4.00 167,773 5.00 

37

LIQUIDITY AND ASSET/LIABILITY MANAGEMENT

Liquidity Management

Liquidity management encompasses our ability to ensure that funds are available to meet the cash flow requirements of depositors and borrowers, while also ensuring adequate cash flow exists to meet the Company’s needs, including operating, strategic and capital. The Company develops its liquidity management strategies as part of its overall asset/liability management process. Our primary sources of funds are from deposits, amortization of loans, loan prepayments and the maturity of loans, investment securities and other investments, and other funds provided from operations. While scheduled payments from the amortization of loans and investment securities and maturing investment securities are relatively predictable sources of funds, deposit flows and loan prepayments can be greatly influenced by general interest rates, economic conditions and competition. The Company also maintains excess funds in short-term, interest-bearing assets that provide additional liquidity.

The Company uses its liquidity to fund existing and future loan commitments, to fund maturing certificates of deposit and demand deposit withdrawals, to invest in other interest-earning assets and to meet operating expenses. At March 31, 2025, certificates of deposit maturing within the next 12 months totaled $708.2 million. Based upon historical experience, the Company anticipates that a significant portion of the maturing certificates of deposit will