Company: HBCP
Filing Date: 2025-08-01
Form Type: 10-Q
Source: 0001436425-25-000036
Chunk: 53

Company: HOME BANCORP, INC.
Filing Date: 2025-08-01
Form: 10-Q
Item: Item 8
Chunk 53
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— — — — — — — Commercial and industrial— — — — — — — Consumer— — — — — — — Total$— $— $2,122 $— $— $— 0.1 %During the six months ended June 30, 2025 and 2024, no loan experienced a default subsequent to being granted a payment deferral or term extension. Default is defined as movement to past due 90 days, foreclosure or charge-off, whichever occurs first. The following table details the financial impacts of loan modifications made to borrowers experiencing financial difficulty for the periods presented.Six Months Ended June 30, 2025Six Months Ended June 30, 2024Payment Deferral (dollars in thousands)Minimum Term Extensions (in months)Maximum Term Extensions (in months)Payment Deferral (dollars in thousands)Minimum Term Extensions (in months)Maximum Term Extensions (in months)One-to four-family first mortgage$— 6060$— 1296Home equity loans and lines— 22— 00Commercial real estate74 1212— 1212Construction and land165 26— 1212Multi-family residential165 00— 00Commercial and industrial— 33— 00Consumer— 00— 00The table below reflects the performance of loans that have been modified in the last 12 months. (dollars in thousands)30-89 Days Past Due90+ Days Past DueNonaccrualCurrentTotalJune 30, 2025One-to four-family first mortgage$— $— $— $22 $22 Home equity loans and lines— — 817 — 817 Commercial real estate— — 2,130 — 2,130 Construction and land— — 3,621 749 4,370 Multi-family residential— — 916 — 916 Commercial and industrial— — — 1,859 1,859 Consumer— — — — — Total$— $— $7,484 $2,630 $10,114 The loan modifications reported in the table above did not significantly impact the Company's allowance for loan losses during 2025.

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Foreclosed Assets and OREForeclosed assets and ORE include real property and other