Company: HBCP
Filing Date: 2025-03-12
Form Type: 10-K
Source: 0001436425-25-000012
Chunk: 139

Company: HOME BANCORP, INC.
Filing Date: 2025-03-12
Form: 10-K
Item: Item 7
Chunk 139
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ual loans242.35%357.81%278.69%158.93%176.49%Allowance for loan losses$32,916$31,537$29,299$21,089$32,963Total nonaccrual loans$13,582$8,814$10,513$13,269$18,677Net charge-offs during period to average loans outstanding:One-to four family residential loans—%0.01%(0.01)%(0.04)%(0.02)%Net charge-offs$4$31$(41)$(131)$(86)Average loans outstanding$458,984$414,780$367,570$372,207$422,156Net charge-offs during period to average loans outstanding:Home equity loans and lines0.02%0.01%0.02%0.03%(0.76)%Net charge-offs$14$6$14$19$(559)Average loans outstanding$73,955$66,428$60,023$62,957$73,396Net charge-offs during period to average loans outstanding:Commercial real estate— %0.01 %(0.03)%(0.17)%0.01 %Net charge-offs$— $71 $(270)$(1,337)$50 Average loans outstanding$1,203,114 $1,170,475 $1,024,610 $769,950 $728,959 

26

For the Years Ended December 31,20242023202220212020Net charge-offs during period to average loans outstanding:Construction and land(0.04)%— %— %0.03 %(0.33)%Net charge-offs$(123)$— $— $63 $(688)Average loans outstanding$336,020 $328,218 $297,218 $241,725 $205,591 Net charge-offs during period to average loans outstanding:Multi-family residential0.01 %— %— %— %— %Net charge-offs$12 $— $— $— $— Average loans outstanding$134,664 $104,166 $97,753 $87,101 $72,906 Net charge-offs during period to average loans outstanding:Commercial and industrial(0.17)%(0.02)%(0.10)%(0.08