Company: HBCP
Filing Date: 2025-03-12
Form Type: 10-K
Source: 0001436425-25-000012
Chunk: 138

Company: HOME BANCORP, INC.
Filing Date: 2025-03-12
Form: 10-K
Item: Item 7
Chunk 138
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Home equity loans and lines801 2.9 688 2.7 624 2.6 508 3.2 676 3.4 Commercial real estate13,521 42.6 14,805 46.2 13,814 47.4 10,454 43.6 18,851 37.9 Construction and land5,484 13.0 5,415 13.2 4,680 12.9 3,572 14.1 4,155 11.2 Multi-family residential1,090 6.6 474 4.1 572 4.1 457 4.9 1,077 4.4 Commercial and industrial6,861 15.4 6,166 15.7 6,024 15.6 3,520 13.3 4,276 21.1 Consumer729 1.1 734 1.3 702 1.4 634 1.8 863 2.0 Total$32,916 100.0 %$31,537 100.0 %$29,299 100.0 %$21,089 100.0 %$32,963 100.0 %

The following table shows credit ratios at and for the periods indicated and each component of the ratio's calculation:

For the Years Ended December 31,20242023202220212020Allowance for loan losses as a percentage of total loans outstanding1.21%1.22%1.21%1.15%1.66%Allowance for loan losses$32,916$31,537$29,299$21,089$32,963Total loans outstanding$2,718,185$2,581,638$2,430,750$1,840,093$1,979,954Nonaccrual loans as a percentage of total loans outstanding0.50%0.34%0.43%0.72%0.94%Total nonaccrual loans$13,582$8,814$10,513$13,269$18,677Total loans outstanding$2,718,185$2,581,638$2,430,750$1,840,093$1,979,954Allowance for loan losses as a percentage of nonaccr