Company: HBCP
Filing Date: 2025-08-01
Form Type: 10-Q
Source: 0001436425-25-000036
Chunk: 40

Company: HOME BANCORP, INC.
Filing Date: 2025-08-01
Form: 10-Q
Item: Item 8
Chunk 40
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 — 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 June 30, 2025 and  December 31, 2024, respectively.

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A summary of activity in the ACL for the six months ended June 30, 2025 and June 30, 2024 follows.  Six Months Ended June 30, 2025(dollars in thousands)BeginningBalanceCharge-offsRecoveriesProvision (Reversal)EndingBalanceAllowance for credit losses:One- to four-family first mortgage$4,430 $— $7 $820 $5,257 Home equity loans and lines801 — 22 157 980 Commercial real estate13,521 (21)— 1,705 15,205 Construction and land5,484 — — (2,287)3,197 Multi-family residential1,090 — — (35)1,055 Commercial and industrial6,861 (409)248 266 6,966 Consumer729 (256)42 257 772 Total allowance for loan losses$32,916 $(686)$319 $883 $33,432 Unfunded lending commitments$2,700 $— $— $(970)$1,730 Total allowance for credit losses$35,616 $(686)$319 $(87)$35,162  Six Months Ended June 30, 2024(dollars in thousands)Beginning BalanceCharge-offsRecoveriesProvision (Reversal)Ending BalanceAllowance for credit losses:One- to four-family first mortgage$3,255 $— $— $94 $3,349 Home equity loans and lines688 — 35 (18)705 Commercial real estate14