Company: HBCP
Filing Date: 2025-08-01
Form Type: 10-Q
Source: 0001436425-25-000036
Chunk: 65

Company: HOME BANCORP, INC.
Filing Date: 2025-08-01
Form: 10-Q
Item: Item 8
Chunk 65
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269 2,617,254 — 2,612,730 4,524 Cash surrender value of BOLI48,421 48,421 48,421 — — Derivative assets(1)3,267 3,267 — 3,267 — Financial LiabilitiesDeposits$2,780,696 $2,778,056 $2,046,779 $731,277 $— Other borrowings5,539 5,528 — 5,528 — Subordinated debt, net of issuance cost54,459 49,563 — 49,563 — Short-term FHLB advances137,220 137,220 137,220 — — Long-term FHLB advances38,326 38,111 — 38,111 — Derivative liabilities(1)42 42 — 42 — (1)Derivative assets and liabilities are reported at fair value in accrued interest receivable and other assets and accrued interest payable and other liabilities, respectively, in the Consolidated Statements of Financial Condition.

Item 2.Management’s Discussion and Analysis of Financial Condition and Results of Operations.

The purpose of this discussion and analysis is to focus on significant changes in the financial condition of the Company and the Bank from December 31, 2024 through June 30, 2025 and on its results of operations for the three and six months ended June 30, 2025 and 2024. This discussion and analysis is intended to highlight and supplement information presented elsewhere in this quarterly report on Form 10-Q, particularly the consolidated financial statements and related notes appearing in Item 1.

32

Forward-Looking Statements

To the extent that statements in this Form 10-Q relate to future plans, objectives, financial results or performance of the Company or Bank, these statements are deemed to be forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements, which are based on management’s current information, estimates and assumptions and the current economic environment, are generally identified by the use of words such as “plan”, “believe”, “expect”, “intend”, “anticipate”, “estimate”, “project” or similar expressions, or by future or conditional terms such as “will”, “would”, “should”, “could”, “may”, “likely”, “probably”, or