Company: HBCP
Filing Date: 2025-05-02
Form Type: 10-Q
Source: 0001436425-25-000018
Chunk: 71

Company: HOME BANCORP, INC.
Filing Date: 2025-05-02
Form: 10-Q
Item: Item 8
Chunk 71
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 from $396.1 million at December 31, 2024 to $402.8 million at March 31, 2025. Shareholders' equity increased primarily due to net income of $11.0 million and a decrease in accumulated other comprehensive loss on available for sale investment securities, which were partially offset by cash dividends and share repurchases during the three months ended March 31, 2025. 

At March 31, 2025, the Company and the Bank had regulatory capital amounts that were well in excess of regulatory requirements. The following table presents actual and required capital ratios for the Company and the Bank under the Basel III Capital Rules. The minimum required capital amounts presented include the minimum required capital levels as of March 31, 2025 based on the required capital levels as of January 1, 2019 when the Basel III Capital Rules were fully phased-in. Capital levels required to be considered well capitalized are based upon prompt corrective action regulations, as amended to reflect the changes under the Basel III Capital Rules.

 ActualMinimum Capital Required – Basel III Fully Phased-InTo Be Well Capitalized Under Prompt Corrective Action Provisions(dollars in thousands)AmountRatioAmountRatioAmountRatioCompany:Tier 1 risk-based capital$343,165 11.85 %$246,103 8.50 %N/AN/ATotal risk-based capital433,456 14.97 304,009 10.50 N/AN/ATier 1 leverage capital343,165 10.20 134,589 4.00 N/AN/ABank:Common equity Tier 1 capital (to risk-weighted assets)$385,061 13.34 %$202,004 7.00 %$187,575 6.50 %Tier 1 risk-based capital385,061 13.34 245,290 8.50 230,861 8.00 Total risk-based capital420,839 14.58 303,005 10.50 288,577 10.00 Tier 1 leverage capital385,061 11.48 134,219 4.00 167,773 5.00 

37

LIQUIDITY AND ASSET/LIABILITY MANAGEMENT

Liquidity Management

Liquidity management encompasses our ability to ensure that funds are available to meet the cash flow requirements of depositors and borrowers, while