Company: HBCP
Filing Date: 2025-11-03
Form Type: 10-Q
Source: 0001628280-25-048166
Chunk: 40

Company: HOME BANCORP, INC.
Filing Date: 2025-11-03
Form: 10-Q
Item: Item 8
Chunk 40
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225 Home equity loans and lines79,097 — 79,097 Commercial real estate1,154,063 4,718 1,158,781 Construction and land352,263 — 352,263 Multi-family residential178,568 — 178,568 Commercial and industrial418,373 254 418,627 Consumer29,624 — 29,624 Total loans$2,713,213 $4,972 $2,718,185 (1)The ACL on unfunded lending commitments is recorded within accrued interest payable and other liabilities on the Consolidated Statements of Financial Condition.(2)One PCD loan was individually evaluated at September 30, 2025 and  December 31, 2024, respectively.

13

A summary of activity in the ACL for the nine months ended September 30, 2025 and September 30, 2024 follows.  Nine Months Ended September 30, 2025(dollars in thousands)BeginningBalanceCharge-offsRecoveriesProvision (Reversal)EndingBalanceAllowance for credit losses:One- to four-family first mortgage$4,430 $— $11 $778 $5,219 Home equity loans and lines801 — 36 149 986 Commercial real estate13,521 (21)— 1,303 14,803 Construction and land5,484 (102)— (2,292)3,090 Multi-family residential1,090 — — 67 1,157 Commercial and industrial6,861 (765)334 394 6,824 Consumer729 (286)50 255 748 Total allowance for loan losses$32,916 $(1,174)$431 $654 $32,827 Unfunded lending commitments$2,700 $— $— $(970)$1,730 Total allowance for credit losses$35,616 $(1,174)$431 $(316)$34,557  Nine Months Ended September 30, 2024(dollars in thousands)Beginning BalanceCharge-offsRecoveriesProvision (Reversal)Ending BalanceAllowance for credit losses:One- to four-family first mortgage$3,255 $— $4 $1,143 $4,402 Home equity loans and lines