Company: HBCP
Filing Date: 2025-05-02
Form Type: 10-Q
Source: 0001436425-25-000018
Chunk: 34

Company: HOME BANCORP, INC.
Filing Date: 2025-05-02
Form: 10-Q
Item: Item 8
Chunk 34
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,000 at March 31, 2025 and December 31, 2024, respectively. In addition, loan balances as of March 31, 2025 and December 31, 2024 are reported net of unearned income of $5,225,000 and $5,122,000, respectively.Accrued interest receivable on the Company's loans was $13,049,000 and $13,314,000 at March 31, 2025 and December 31, 2024, respectively, and is excluded from the estimate of the ACL. Those amounts are recorded in accrued interest receivable and other assets on the Consolidated Statements of Financial Condition.Allowance for Credit LossesThe ACL, which includes the ALL and the ACL on unfunded lending commitments, and recorded investment in loans as of the dates indicated are as follows. March 31, 2025(dollars in thousands)Collectively EvaluatedIndividually EvaluatedTotalAllowance for credit losses:One- to four-family first mortgage$4,459 $— $4,459 Home equity loans and lines795 — 795 Commercial real estate13,478 439 13,917 Construction and land5,383 — 5,383 Multi-family residential1,088 — 1,088 Commercial and industrial6,413 326 6,739 Consumer756 141 897 Total allowance for loan losses$32,372 $906 $33,278 Unfunded lending commitments(1)$2,700 $— $2,700 Total allowance for credit losses$35,072 $906 $35,978 

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 March 31, 2025(dollars in thousands)Collectively EvaluatedIndividually Evaluated(2)TotalLoans:One- to four-family first mortgage$504,356 $— $504,356 Home equity loans and lines77,417 — 77,417 Commercial real estate1,191,051 2,313 1,193,364 Construction and land346,987 — 346,987 Multi-family residential183,792 — 183,792 Commercial and industrial410,717 646 411,363 Consumer29,857 141 29,998 Total loans$2,744,177 $3,100 $2,