Company: HBCP
Filing Date: 2025-08-01
Form Type: 10-Q
Source: 0001436425-25-000036
Chunk: 7

Company: HOME BANCORP, INC.
Filing Date: 2025-08-01
Form: 10-Q
Item: Item 2
Chunk 7
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 all of the weaknesses inherent in those classified “substandard” with the added characteristic that the weaknesses present make “collection or liquidation in full,” on the basis of currently existing facts, conditions and values, “highly questionable and improbable.” Assets classified as “loss” are those considered “uncollectible” and of such little value that their continuance as assets without the establishment of a specific loss reserve is not warranted.

At June 30, 2025 and December 31, 2024, loans classified as substandard totaled $49.8 million and $35.8 million, respectively. There were no assets classified as doubtful at either date. For additional information, refer to Note 5 to the Consolidated Financial Statements. 

The following tables provide a summary of loans classified as special mention and substandard as of the dates indicated.

(dollars in thousands)June 30, 2025December 31, 2024Increase/(Decrease)Special Mention LoansOne- to four-family first mortgage$— $823 $(823)(100.0)%Home equity loans and lines— — — — Commercial real estate1,063 — 1,063 100.0 Construction and land749 — 749 100.0 Multi-family residential— — — — Commercial and industrial— — — — Consumer— — — — Total special mention loans$1,812 $823 $989 120.2 %

36

(dollars in thousands)June 30, 2025December 31, 2024Increase/(Decrease)Substandard LoansOne- to four-family first mortgage$6,741 $7,034 $(293)(4.2)%Home equity loans and lines1,033 279 754 270.3 Commercial real estate31,367 18,541 12,826 69.2 Construction and land6,232 5,224 1,008 19.3 Multi-family residential1,237 930 307 33.0 Commercial and industrial3,166 3,755 (589)(15.7)Consumer35 27 8 29.6 Total substandard loans$49,811 $35,790 $14,021 39.2 %Total nonperforming loans increased by $9.8 million, or 71