Company: HBCP
Filing Date: 2025-03-12
Form Type: 10-K
Source: 0001436425-25-000012
Chunk: 34

Company: HOME BANCORP, INC.
Filing Date: 2025-03-12
Form: 10-K
Item: Item 8
Chunk 34
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 248 6,861 Consumer729 — 729 Total allowance for loan losses$32,468 $448 $32,916 Unfunded lending commitments(1)$2,700 $— $2,700 Total allowance for credit losses$35,168 $448 $35,616 As of December 31, 2024(dollars in thousands)Collectively EvaluatedIndividually Evaluated(2)TotalLoans:One- to four-family first mortgage$501,225 $— $501,225 Home equity loans and lines79,097 — 79,097 Commercial real estate1,154,063 4,718 1,158,781 Construction and land352,263 — 352,263 Multi-family residential178,568 — 178,568 Commercial and industrial418,373 254 418,627 Consumer29,624 — 29,624 Total loans$2,713,213 $4,972 $2,718,185 As of December 31, 2023(dollars in thousands)Collectively EvaluatedIndividually EvaluatedTotalAllowance for credit losses:One- to four-family first mortgage$3,255 $— $3,255 Home equity loans and lines688 — 688 Commercial real estate14,604 201 14,805 Construction and land5,292 123 5,415 Multi-family residential474 — 474 Commercial and industrial6,071 95 6,166 Consumer734 — 734 Total allowance for loan losses$31,118 $419 $31,537 Unfunded lending commitments(3)$2,594 $— $2,594 Total allowance for credit losses$33,712 $419 $34,131 

63

As of December 31, 2023(dollars in thousands)Collectively EvaluatedIndividually Evaluated(2)TotalLoans:One- to four-family first mortgage$433,401 $— $433,401 Home equity loans and lines68,977 — 68,977 Commercial real estate1,188,734 3,957 1,192,691 Construction and land340,577 147 340