Company: HBCP
Filing Date: 2025-03-12
Form Type: 10-K
Source: 0001436425-25-000012
Chunk: 46

Company: HOME BANCORP, INC.
Filing Date: 2025-03-12
Form: 10-K
Item: Item 8
Chunk 46
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0.3 Consumer— — — — — — — Total$— $— $4,579 $— $— $— 0.2 %(dollars in thousands)Payment DeferralPrincipal ForgivenessTerm ExtensionInterest Rate ReductionCombination Term Extension and Principal ForgivenessCombination Term Extension and Interest Rate ReductionPercent of Total Class of LoansDecember 31, 2023One-to four-family first mortgage$— $— $1,055 $— $— $— 0.2 %Home equity loans and lines60 — — — — — 0.1 Commercial real estate280 — 1,102 — — — 0.1 Construction and land— — 31 — — — — Multi-family residential— — 3,437 — — — 3.2 Commercial and industrial— — 1,389 — — — 0.3 Consumer— — — — — — — Total$340 $— $7,014 $— $— $— 0.3 %During the year ended December 31, 2024 and 2023, one commercial real estate loan with a balance of $965,000 and one commercial real estate loan with a balance of $278,000, respectively, experienced a default subsequent to being granted a payment deferral or term extension. Default is defined as movement to past due 90 days, foreclosure or charge-off, whichever occurs first. 

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The following table details the financial impacts of loan modifications made to borrowers experiencing financial difficulty for the periods presented.Year Ended December 31, 2024Year Ended December 31, 2023Payment Deferral (dollars in thousands)Minimum Term Extensions (in months)Maximum Term Extensions (in months)Payment Deferral (dollars in thousands)Minimum Term Extensions (in months)Maximum Term Extensions (in months)One-to four-family first mortgage$— 1296$— 024Home equity loans and lines— 003 00Commercial real estate— 6129 1212Construction and land— 33— 1212Multi-family residential— 00— 22Commercial and industrial— 33— 1010Consumer— 00— 00The table below provides an aging analysis of loans