Company: HBCP
Filing Date: 2025-08-01
Form Type: 10-Q
Source: 0001436425-25-000036
Chunk: 78

Company: HOME BANCORP, INC.
Filing Date: 2025-08-01
Form: 10-Q
Item: Item 8
Chunk 78
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 $396.1 million at December 31, 2024 to $408.8 million at June 30, 2025. Shareholders' equity increased primarily due to net income of $22.3 million and a decrease in accumulated other comprehensive loss on available for sale investment securities, which were partially offset by cash dividends paid on the common stock and share repurchases during the six months ended June 30, 2025. 

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At June 30, 2025, the Company and the Bank had regulatory capital amounts that were well in excess of regulatory requirements. The following table presents actual and required capital ratios for the Company and the Bank under the Basel III Capital Rules. The minimum required capital amounts presented include the minimum required capital levels as of June 30, 2025 based on the required capital levels as of January 1, 2019 when the Basel III Capital Rules were fully phased-in. Capital levels required to be considered well capitalized are based upon prompt corrective action regulations, as amended to reflect the changes under the Basel III Capital Rules.

 ActualMinimum Capital Required – Basel III Fully Phased-InTo Be Well Capitalized Under Prompt Corrective Action Provisions(dollars in thousands)AmountRatioAmountRatioAmountRatioCompany:Tier 1 risk-based capital$346,829 11.99 %$245,969 8.50 %N/AN/ATotal risk-based capital436,358 15.08 303,844 10.50 N/AN/ATier 1 leverage capital346,829 10.23 135,611 4.00 N/AN/ABank:Common equity Tier 1 capital (to risk-weighted assets)$387,740 13.45 %$201,867 7.00 %$187,448 6.50 %Tier 1 risk-based capital387,740 13.45 245,125 8.50 230,706 8.00 Total risk-based capital422,702 14.66 302,801 10.50 288,382 10.00 Tier 1 leverage capital387,740 11.47 135,229 4.00 169,036 5.00 

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