Company: HBCP
Filing Date: 2025-08-01
Form Type: 10-Q
Source: 0001436425-25-000036
Chunk: 51

Company: HOME BANCORP, INC.
Filing Date: 2025-08-01
Form: 10-Q
Item: Item 8
Chunk 51
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 2024(dollars in thousands)LoansACLOne- to four-family first mortgage$— $— Home equity loans and lines— — Commercial real estate4,718 200 Construction and land— — Multi-family residential— — Commercial and industrial254 248 Consumer— — Total$4,972 $448 

Loan Modifications Made to Borrowers Experiencing Financial DifficultyOccasionally, the Company modifies loans to borrowers in financial distress by providing certain concessions, such as principal forgiveness, term extension, an other-than-insignificant payment delay, interest only for a specified period of time, an interest rate reduction, or a combination of such concessions. When principal forgiveness is provided, the amount of forgiveness is charged-off against the allowance for credit losses. Upon the Company's determination that a modified loan (or portion of a loan) has subsequently been deemed uncollectible, the loan (or portion of the loan) is charged-off. The balance of loan modifications, segregated by type of modification, to borrowers experiencing financial difficulty are set forth in the tables below for the periods indicated.

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Three Months Ended June 30, 2025(dollars in thousands)Payment DeferralPrincipal ForgivenessTerm ExtensionInterest Rate ReductionCombination Term Extension and Principal ForgivenessCombination Term Extension and Interest Rate ReductionPercent of Total Class of LoansOne-to four-family first mortgage$— $— $— $— $— $— — %Home equity loans and lines— — 817 — — — 1.0 Commercial real estate1,203 — — — — — 0.1 Construction and land3,300 — 1,070 — — — 1.3 Multi-family residential916 — — — — — 0.5 Commercial and industrial— — 625 — — — 0.1 Consumer— — — — — — — Total$5,419 $— $2,512 $— $— $— 0.3 %Three Months Ended June 30, 2024(dollars in thousands)Payment DeferralPrincipal ForgivenessTerm ExtensionInterest Rate ReductionCombination Term Extension and Principal ForgivenessCombination Term Extension and Interest Rate ReductionPercent of Total Class of LoansOne-to four-family first mortgage$