Company: HBCP
Filing Date: 2025-03-12
Form Type: 10-K
Source: 0001436425-25-000012
Chunk: 43

Company: HOME BANCORP, INC.
Filing Date: 2025-03-12
Form: 10-K
Item: Item 8
Chunk 43
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162 1 35 198 68,779 68,977 Commercial real estate112 3,414 — 3,526 1,189,165 1,192,691 Construction and land432 1 1,151 1,584 339,140 340,724 Multi-family residential— — — — 107,263 107,263 Total real estate loans5,116 4,891 1,984 11,991 2,131,065 2,143,056 Other loans:Commercial and industrial596 11 221 828 404,831 405,659 Consumer416 143 55 614 32,309 32,923 Total other loans1,012 154 276 1,442 437,140 438,582 Total loans$6,128 $5,045 $2,260 $13,433 $2,568,205 $2,581,638 Loans greater than 90 days past due and accruing interest were $16,000 and $0 at December 31, 2024 and December 31, 2023, respectively.

The Company reviews its significant nonaccrual loans (i.e., loans with balances of $500,000 or greater) for specific impairment in accordance with its allowance for credit loss methodology. If it is determined that it is probable that all amounts due will not be collected when other credit quality indicators are considered, the loan is considered impaired and the Company individually evaluates those loans to determine the expected credit losses. The following table summarizes information pertaining to nonaccrual loans as of dates indicated.

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December 31, 2024December 31, 2023(dollars in thousands)TotalWithout Related AllowanceTotalWithout Related AllowanceNonaccrual loans(1):       One- to four-family first mortgage$7,039 $— $1,600 $— Home equity loans and lines279 — 208 — Commercial real estate3,304 — 5,203 2,548 Construction and land1,622 — 1,181 — Multi-family residential— — — — Commercial and industrial1,311 — 331 — Consumer27 — 291 — Total$13,582 $— $8,814 $