Company: HBCP
Filing Date: 2025-11-03
Form Type: 10-Q
Source: 0001628280-25-048166
Chunk: 13

Company: HOME BANCORP, INC.
Filing Date: 2025-11-03
Form: 10-Q
Item: Item 2
Chunk 13
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, 2025 based on the required capital levels as of January 1, 2019 when the Basel III Capital Rules were fully phased-in. Capital levels required to be considered well capitalized are based upon prompt corrective action regulations, as amended to reflect the changes under the Basel III Capital Rules.

 ActualMinimum Capital Required – Basel III Fully Phased-InTo Be Well Capitalized Under Prompt Corrective Action Provisions(dollars in thousands)AmountRatioAmountRatioAmountRatioCompany:Tier 1 risk-based capital$358,721 12.50 %$243,987 8.50 %N/AN/ATotal risk-based capital447,699 15.60 301,396 10.50 N/AN/ATier 1 leverage capital358,721 10.51 136,515 4.00 N/AN/ABank:Common equity Tier 1 capital (to risk-weighted assets)$401,510 14.04 %$200,215 7.00 %$185,914 6.50 %Tier 1 risk-based capital401,510 14.04 243,118 8.50 228,817 8.00 Total risk-based capital435,867 15.24 300,323 10.50 286,022 10.00 Tier 1 leverage capital401,510 11.80 136,117 4.00 170,146 5.00 

LIQUIDITY AND ASSET/LIABILITY MANAGEMENT

Liquidity Management

Liquidity management encompasses our ability to ensure that funds are available to meet the cash flow requirements of depositors and borrowers, while also ensuring adequate cash flow exists to meet the Company’s needs, including operating, strategic and capital. The Company develops its liquidity management strategies as part of its overall asset/liability management process. Our primary sources of funds are from deposits, amortization of loans, loan prepayments and the maturity of loans, investment securities and other investments, and other funds provided from operations. While scheduled payments from the amortization of loans and investment securities and maturing investment securities are relatively predictable sources of funds, deposit flows and loan prepayments can be greatly influenced by general interest rates, economic conditions and competition. The Company also maintains excess funds in short-term, interest-bearing assets that provide additional liquidity.

The Company uses its liquidity to fund existing and future loan commitments, to fund maturing certificates