Company: HBCP
Filing Date: 2025-08-01
Form Type: 10-Q
Source: 0001436425-25-000036
Chunk: 48

Company: HOME BANCORP, INC.
Filing Date: 2025-08-01
Form: 10-Q
Item: Item 8
Chunk 48
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 management capabilities and possible reduction in the collateral values.•Substandard loans have an existing specific and well-defined weakness that may include poor liquidity and deterioration of financial performance. Such loans may be past due and related deposit accounts experiencing overdrafts. Immediate corrective action is necessary.•Doubtful loans have specific weaknesses that are severe enough to make collection or liquidation in full highly questionable and improbable.In addition, residential loans are classified using an inter-agency regulatory methodology that incorporates, among other factors, the extent of delinquencies and loan-to-value ratios. These classifications were the most current available as of the dates indicated and were generally updated within the quarter.

Age analysis of past due loans as of the dates indicated are as follows. June 30, 2025(dollars in thousands)30-59 Days Past Due60-89 Days Past DueGreater Than 90 Days Past DueTotal Past DueCurrent LoansTotal LoansReal estate loans:One- to four-family first mortgage$3,622 $1,323 $4,889 $9,834 $494,311 $504,145 Home equity loans and lines94 450 29 573 80,605 81,178 Commercial real estate4,048 10,563 1,209 15,820 1,202,348 1,218,168 Construction and land336 34 5,720 6,090 318,484 324,574 Multi-family residential— — 916 916 182,893 183,809 Total real estate loans8,100 12,370 12,763 33,233 2,278,641 2,311,874 Other loans:Commercial and industrial3,966 — 1,151 5,117 416,880 421,997 Consumer265 14 16 295 30,372 30,667 Total other loans4,231 14 1,167 5,412 447,252 452,664 Total loans$12,331 $12,384 $13,930 $38,645 $2,725,893 $2,764,538  December 31, 2024(dollars in thousands)30-59 Days Past Due60-89 Days Past DueGreater Than 90 Days Past DueTotal Past DueCurrent LoansTotal LoansReal estate loans:One- to