Company: HBCP
Filing Date: 2025-08-01
Form Type: 10-Q
Source: 0001436425-25-000036
Chunk: 41

Company: HOME BANCORP, INC.
Filing Date: 2025-08-01
Form: 10-Q
Item: Item 8
Chunk 41
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,805 — — 352 15,157 Construction and land5,415 (123)— 12 5,304 Multi-family residential474 — — 108 582 Commercial and industrial6,166 (570)33 749 6,378 Consumer734 (122)20 105 737 Total allowance for loan losses$31,537 $(815)$88 $1,402 $32,212 Unfunded lending commitments$2,594 $— $— $(134)$2,460 Total allowance for credit losses$34,131 $(815)$88 $1,268 $34,672 

14

Credit Quality

The following tables present the Company’s loan portfolio by credit quality classification and origination year as of June 30, 2025 and December 31, 2024.June 30, 2025Term Loans by Origination Year(dollars in thousands)20252024202320222021PriorRevolving LoansRevolving Loans Converted to Term LoansTotalOne- to four-family first mortgage:Pass$32,248 $68,740 $90,798 $105,056 $72,307 $104,831 $23,374 $50 $497,404 Special Mention— — — — — — — — — Substandard— 54 700 3,270 413 2,126 178 — 6,741 Doubtful— — — — — — — — — Total one- to four-family first mortgages$32,248 $68,794 $91,498 $108,326 $72,720 $106,957 $23,552 $50 $504,145 Current period gross charge-offs$— $— $— $— $— $— $— $— $— Home equity loans and lines:Pass$963 $1,622 $1,694 $2,146 $1,533 $4,420 $67,559 $208 $80,145 Special Mention— — — — — — — — — Substandard— — 146 549 184