Company: HBCP
Filing Date: 2025-11-03
Form Type: 10-Q
Source: 0001628280-25-048166
Chunk: 53

Company: HOME BANCORP, INC.
Filing Date: 2025-11-03
Form: 10-Q
Item: Item 8
Chunk 53
---
-to four-family first mortgage$— $— $639 $— $— $— 0.1 %Home equity loans and lines— — — — — — — Commercial real estate— — 2,528 — — — 0.2 Construction and land— — 27 — — — — Multi-family residential— — — — — — — Commercial and industrial— — — — — — — Consumer— — — — — — — Total$— $— $3,194 $— $— $— 0.1 %During the nine months ended September 30, 2025 and 2024, one one-to four-family first mortgage loan with a balance of $22,000 and one one-to four-family first mortgage loan with a balance of $391,000, respectively, experienced a default subsequent to being granted a payment deferral or term extension. Default is defined as movement to past due 90 days, foreclosure or charge-off, whichever occurs first. The following table details the financial impacts of loan modifications made to borrowers experiencing financial difficulty for the periods presented.Nine Months Ended September 30, 2025Nine Months Ended September 30, 2024Payment Deferral (dollars in thousands)Minimum Term Extensions (in months)Maximum Term Extensions (in months)Payment Deferral (dollars in thousands)Minimum Term Extensions (in months)Maximum Term Extensions (in months)One-to four-family first mortgage$— 6060$— 1296Home equity loans and lines— 2424— 00Commercial real estate179 3120— 612Construction and land165 66— 1212Multi-family residential165 00— 00Commercial and industrial— 324— 00Consumer— 00— 00The table below reflects the performance of loans that have been modified in the last 12 months. (dollars in thousands)30-89 Days Past Due90+ Days Past Due and AccruingNonaccrualCurrentTotalSeptember 30, 2025One-to four-family first mortgage$— $— $22 $— $22 Home equity loans and lines— — 797 — 797 Commercial real estate— — 2,067 19,052