Company: HBCP
Filing Date: 2025-11-03
Form Type: 10-Q
Source: 0001628280-25-048166
Chunk: 39

Company: HOME BANCORP, INC.
Filing Date: 2025-11-03
Form: 10-Q
Item: Item 8
Chunk 39
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 986 Commercial real estate14,373 430 14,803 Construction and land3,090 — 3,090 Multi-family residential1,021 136 1,157 Commercial and industrial6,467 357 6,824 Consumer748 — 748 Total allowance for loan losses$31,691 $1,136 $32,827 Unfunded lending commitments(1)$1,730 $— $1,730 Total allowance for credit losses$33,421 $1,136 $34,557 

12

 September 30, 2025(dollars in thousands)Collectively EvaluatedIndividually Evaluated(2)TotalLoans:One- to four-family first mortgage$488,427 $2,173 $490,600 Home equity loans and lines86,885 — 86,885 Commercial real estate1,173,158 2,226 1,175,384 Construction and land325,206 519 325,725 Multi-family residential183,419 603 184,022 Commercial and industrial412,971 619 413,590 Consumer29,689 — 29,689 Total loans$2,699,755 $6,140 $2,705,895  December 31, 2024(dollars in thousands)Collectively EvaluatedIndividually EvaluatedTotalAllowance for credit losses:One- to four-family first mortgage$4,430 $— $4,430 Home equity loans and lines801 — 801 Commercial real estate13,321 200 13,521 Construction and land5,484 — 5,484 Multi-family residential1,090 — 1,090 Commercial and industrial6,613 248 6,861 Consumer729 — 729 Total allowance for loan losses$32,468 $448 $32,916 Unfunded lending commitments(1)$2,700 $— $2,700 Total allowance for credit losses$35,168 $448 $35,616  December 31, 2024(dollars in thousands)Collectively EvaluatedIndividually Evaluated(2)TotalLoans:One- to four-family first mortgage$501,225 $— $501,