Company: HBCP
Filing Date: 2025-11-03
Form Type: 10-Q
Source: 0001628280-25-048166
Chunk: 41

Company: HOME BANCORP, INC.
Filing Date: 2025-11-03
Form: 10-Q
Item: Item 8
Chunk 41
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688 — 35 62 785 Commercial real estate14,805 — — (1,334)13,471 Construction and land5,415 (123)— (125)5,167 Multi-family residential474 — 12 593 1,079 Commercial and industrial6,166 (719)151 1,079 6,677 Consumer734 (188)27 124 697 Total allowance for loan losses$31,537 $(1,030)$229 $1,542 $32,278 Unfunded lending commitments$2,594 $— $— $(134)$2,460 Total allowance for credit losses$34,131 $(1,030)$229 $1,408 $34,738 

14

Credit Quality

The following tables present the Company’s loan portfolio by credit quality classification and origination year as of September 30, 2025 and December 31, 2024. The gross charge-offs presented in the tables that follow are for the nine months ended September 30, 2025 and the year ended December 31, 2024.September 30, 2025Term Loans by Origination Year(dollars in thousands)20252024202320222021PriorRevolving LoansRevolving Loans Converted to Term LoansTotalOne- to four-family first mortgage:Pass$43,941 $64,741 $87,863 $94,257 $70,350 $96,684 $25,060 $841 $483,737 Special Mention— — — — — — — — — Substandard22 245 1,083 2,553 410 2,380 170 — 6,863 Doubtful— — — — — — — — — Total one- to four-family first mortgages$43,963 $64,986 $88,946 $96,810 $70,760 $99,064 $25,230 $841 $490,600 Current period gross charge-offs$— $— $— $— $— $— $— $— $— Home equity loans and lines:Pass$1,297 $1,