Company: HBCP
Filing Date: 2025-03-12
Form Type: 10-K
Source: 0001436425-25-000012
Chunk: 59

Company: HOME BANCORP, INC.
Filing Date: 2025-03-12
Form: 10-K
Item: Item 8
Chunk 59
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 notification from the OCC categorized the Bank as “well capitalized” under the OCC regulatory classification framework. To be categorized as “well capitalized,” the Bank must maintain minimum Total risk-based, Tier 1 risk-based, Tier 1 leverage and common equity Tier 1 ratios as set forth in the following table. There are no conditions or events since that notification that management believes have changed the Bank’s category.The following tables present actual and required capital ratios for the the Bank under the Basel III Capital Rules. The minimum required capital amounts presented include the minimum required capital levels as of December 31, 2024 and 2023. 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)AmountRatioAmountRatioAmountRatioDecember 31, 2024Company:Tier 1 risk-based capital$341,026 11.85 %$244,587 8.50 %N/AN/ATotal risk-based capital430,901 14.97 302,137 10.50 N/AN/ATier 1 leverage capital341,026 10.17 134,195 4.00 N/AN/ABank:Common equity Tier 1 capital$380,777 13.28 %$200,779 7.00 %$186,437 6.50 %Tier 1 risk-based capital380,777 13.28 243,803 8.50 229,461 8.00 Total risk-based capital416,193 14.51 301,168 10.50 286,826 10.00 Tier 1 leverage capital380,777 11.38 133,833 4.00 167,292 5.00 

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ActualMinimum Capital Required – Basel III Fully Phased-InTo Be Well Capitalized Under Prompt Corrective Action Provisions(dollars in thousands)AmountRatioAmountRatioAmountRatioDecember 31, 2023Company:Tier 1 risk-based capital$312,454 11.49 %$231,087 8.50 %N/AN/ATotal