Company: HBCP
Filing Date: 2025-05-02
Form Type: 10-Q
Source: 0001436425-25-000018
Chunk: 43

Company: HOME BANCORP, INC.
Filing Date: 2025-05-02
Form: 10-Q
Item: Item 8
Chunk 43
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409 $340,421 $213,542 $298,944 $317,962 $5,871 $2,681,572 Special Mention— 146 491 186 — — — — 823 Substandard1,430 1,465 5,708 2,582 3,177 15,516 1,008 4,904 35,790 Doubtful— — — — — — — — — Total loans$488,118 $448,346 $577,608 $343,189 $216,719 $314,460 $318,970 $10,775 $2,718,185 Current period gross charge-offs$7 $56 $464 $53 $10 $25 $670 $— $1,285 

17

The above classifications follow regulatory guidelines and can generally be described as follows: •Pass loans are of satisfactory quality.•Special mention loans have an existing weakness that could cause future impairment, including the deterioration of financial ratios, past due status, questionable management capabilities and possible reduction in the collateral values.•Substandard loans have an existing specific and well-defined weakness that may include poor liquidity and deterioration of financial performance. Such loans may be past due and related deposit accounts experiencing overdrafts. Immediate corrective action is necessary.•Doubtful loans have specific weaknesses that are severe enough to make collection or liquidation in full highly questionable and improbable.In addition, residential loans are classified using an inter-agency regulatory methodology that incorporates, among other factors, the extent of delinquencies and loan-to-value ratios. These classifications were the most current available as of the dates indicated and were generally updated within the quarter.

Age analysis of past due loans as of the dates indicated are as follows. March 31, 2025(dollars in thousands)30-59 Days Past Due60-89 Days Past DueGreater Than 90 Days Past DueTotal Past DueCurrent LoansTotal LoansReal estate loans:One- to four-family first mortgage$3,466 $815 $4,928 $9,209 $495,147 $504,356 Home equity loans and lines78 — 127 205 77,212 77,417 Commercial real estate2,743 — 1,001 3,