Company: HBCP
Filing Date: 2025-05-02
Form Type: 10-Q
Source: 0001436425-25-000018
Chunk: 36

Company: HOME BANCORP, INC.
Filing Date: 2025-05-02
Form: 10-Q
Item: Item 8
Chunk 36
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 real estate13,521 — — 396 13,917 Construction and land5,484 — — (101)5,383 Multi-family residential1,090 — — (2)1,088 Commercial and industrial6,861 (195)153 (80)6,739 Consumer729 (31)34 165 897 Total allowance for loan losses$32,916 $(226)$194 $394 $33,278 Unfunded lending commitments$2,700 $— $— $— $2,700 Total allowance for credit losses$35,616 $(226)$194 $394 $35,978  Three Months Ended March 31, 2024(dollars in thousands)Beginning BalanceCharge-offsRecoveriesProvision (Reversal)Ending BalanceAllowance for credit losses:One- to four-family first mortgage$3,255 $— $— $20 $3,275 Home equity loans and lines688 — 1 12 701 Commercial real estate14,805 — — 258 15,063 Construction and land5,415 (124)— (4)5,287 Multi-family residential474 — — 110 584 Commercial and industrial6,166 (64)15 (311)5,806 Consumer734 (53)8 56 745 Total allowance for loan losses$31,537 $(241)$24 $141 $31,461 Unfunded lending commitments$2,594 $— $— $— $2,594 Total allowance for credit losses$34,131 $(241)$24 $141 $34,055 

13

Credit Quality

The following tables present the Company’s loan portfolio by credit quality classification and origination year as of March 31, 2025 and December 31, 2024.March 31, 2025Term Loans by Origination Year(dollars in thousands)20252024202320222021PriorRevolving LoansRevolving Loans Converted to Term LoansTotalOne- to four-family first mortgage:Pass$18,069 $70,748 $91,436 $106,915 $74,348 $111,918 $21,636