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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-Q

(Mark One)


☒			Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

For the quarterly period ended: September 30, 2025


☐			Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

For the transition period from to

Commission File Number: 001-34190

HOME BANCORP, INC.

(Exact name of Registrant as specified in its charter)


Louisiana			71-1051785
(State or Other Jurisdiction of Incorporation or Organization)			(I.R.S. Employer Identification Number)
503 Kaliste Saloom Road, Lafayette, Louisiana			70508
(Address of Principal Executive Offices)			(Zip Code)

Registrant’s telephone number, including area code: (337) 237-1960

Not Applicable

(Former Name, Former Address and Former Fiscal Year, if changed since last report)

Securities registered pursuant to Section 12(b) of the Exchange Act:


Title of each class	Trading symbol(s)	Name of each exchange on which registered
Common Stock	HBCP	NASDAQ Stock Market

Indicate by check mark whether the Registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports) and (2) has been subject to such filing requirements for the past 90 days. Yes ☒ No ☐

Indicate by check mark whether the Registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ☒ No ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

Large accelerated filer

☐

Accelerated filer

☒

Non-accelerated filer

☐

Smaller reporting company

☐

Emerging growth company

☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ☐ No ☒

At October 31, 2025, the registrant had 7,828,144 shares of common stock, $0.01 par value, outstanding.

HOME BANCORP, INC. and SUBSIDIARY

TABLE OF CONTENTS



PART I - FINANCIAL INFORMATION
Item 1.	Financial Statements (unaudited)	Page
	Consolidated Statements of Financial Condition	1
	Consolidated Statements of Income	2
	Consolidated Statements of Comprehensive Income	3
	Consolidated Statements of Changes in Shareholders’ Equity	4
	Consolidated Statements of Cash Flows	6
	Notes to Unaudited Consolidated Financial Statements	7
Item 2.	Management 's Discussion and Analysis of Financial Condition and Results of Operations	32
Item 3.	Quantitative and Qualitative Disclosures About Market Risk	46
Item 4.	Controls and Procedures	46
PART II - OTHER INFORMATION
Item 1.	Legal Proceedings	47
Item 1A.	Risk Factors	47
Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	47
Item 3.	Defaults Upon Senior Securities	47
Item 4.	Mine Safety Disclosures	47
Item 5.	Other Information	47
Item 6.	Exhibits	48
SIGNATURES		49

HOME BANCORP, INC. and SUBSIDIARY

GLOSSARY OF DEFINED TERMS

Below is a listing of certain acronyms, abbreviations and defined terms, among others, used throughout this Quarterly Report on Form 10-Q, including in "Item 1. Financial Statements" and "Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations." The terms "we," "our" or "us" refer to Home Bancorp, Inc. and its consolidated subsidiaries, unless the context otherwise requires.


ACL	–	Allowance for credit losses
ALL	–	Allowance for loan losses
AOCI	–	Accumulated other comprehensive income
ASC	–	Accounting Standards Codification
ASU	–	Accounting Standards Update
Bank	–	Home Bank, N. A., a wholly-owned subsidiary of the Company
BOLI	–	Bank-owned life insurance
bps	–	basis points, 100 basis points being equal to 1.0%
BTFP	–	Bank Term Funding Program
C&D	–	Construction and land
C&I	–	Commercial and industrial
CARES Act	–	Coronavirus Aid, Relief, and Economic Security Act
CECL	–	Current expected credit losses
Company	–	Home Bancorp, Inc., a Louisiana corporation and the holding company for Home Bank, N. A.
COVID-19	–	The novel coronavirus
CRE	–	Commercial real estate
EPS	–	Earnings per common share
FASB	–	Financial Accounting Standards Board
FHLB	–	Federal Home Loan Bank
GAAP	–	Generally Accepted Accounting Principles
LTV	–	Loan-to-value
NPA(s)	–	Nonperforming asset(s)
OCI	–	Other comprehensive income
ORE	–	Other real estate
PCD	–	Purchased credit deteriorated

PPP	–	Paycheck Protection Program
SBA	–	U.S. Small Business Association
SEC	–	U.S. Securities and Exchange Commission
TE	–	Taxable equivalent
U.S.	–	United States

HOME BANCORP, INC. AND SUBSIDIARY

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION


	(Unaudited)		(Audited)
(dollars in thousands)	September 30, 2025		December 31, 2024
Assets
Cash and cash equivalents	$	189,324	$	98,548

Investment securities available for sale, at fair value (amortized cost $409,842 and $443,804, respectively)	383,340		402,792
Investment securities held to maturity (fair values of $1,066 and $1,065, respectively)	1,065		1,065
Mortgage loans held for sale	1,932		832
Loans, net of unearned income	2,705,895		2,718,185
Allowance for loan losses	(32,827)		(32,916)
Total loans, net of unearned income and allowance for loan losses	2,673,068		2,685,269
Office properties and equipment, net	45,223		42,324
Cash surrender value of bank-owned life insurance	49,269		48,421
Goodwill and core deposit intangibles	84,214		85,044
Accrued interest receivable and other assets	66,639		79,373
Total Assets	$	3,494,074	$	3,443,668
Liabilities
Deposits:
Noninterest-bearing	$	801,974	$	733,073
Interest-bearing	2,173,529		2,047,623
Total Deposits	2,975,503		2,780,696
Other borrowings	5,539		5,539
Subordinated debt, net of issuance cost	54,621		54,459
Short-term Federal Home Loan Bank advances	—		137,220
Long-term Federal Home Loan Bank advances	3,059		38,326
Accrued interest payable and other liabilities	32,308		31,340
Total Liabilities	3,071,030		3,047,580
Shareholders’ Equity
Preferred stock, $0.01 par value - 10,000,000 shares authorized; none issued	—		—
Common stock, $0.01 par value - 40,000,000 shares authorized; 7,827,481 and 8,091,522 shares issued and outstanding, respectively	78		81
Additional paid-in capital	168,016		168,138
Unallocated common stock held by:
Employee Stock Ownership Plan (ESOP)	(1,071)		(1,339)

Retained earnings	275,912		259,190
Accumulated other comprehensive loss	(19,891)		(29,982)
Total Shareholders’ Equity	423,044		396,088
Total Liabilities and Shareholders’ Equity	$	3,494,074	$	3,443,668

The accompanying Notes are an integral part of these Consolidated Financial Statements.

HOME BANCORP, INC. AND SUBSIDIARY

CONSOLIDATED STATEMENTS OF INCOME

(Unaudited)


	Three Months Ended September 30,				Nine Months Ended September 30,
(dollars in thousands, except per share data)	2025		2024		2025		2024
Interest Income
Loans, including fees	$	45,607	$	43,711	$	134,926	$	126,277
Investment securities:
Taxable interest	2,432		2,604		7,547		7,986
Tax-exempt interest	72		73		217		219
Other investments and deposits	1,111		991		2,362		2,481
Total interest income	49,222		47,379		145,052		136,963
Interest Expense
Deposits	13,805		13,908		39,569		39,174
Other borrowings	54		1,673		160		4,815
Subordinated debt expense	845		844		2,534		2,533
Short-term Federal Home Loan Bank advances	303		252		3,078		798
Long-term Federal Home Loan Bank advances	109		320		505		967
Total interest expense	15,116		16,997		45,846		48,287
Net interest income	34,106		30,382		99,206		88,676
(Reversal) provision for loan losses	(229)		140		654		1,542
Net interest income after provision for loan losses	34,335		30,242		98,552		87,134
Noninterest Income
Service fees and charges	1,408		1,291		4,062		3,784
Bank card fees	1,646		1,613		4,974		4,939
Gain on sale of loans, net	144		195		635		408
Income from bank-owned life insurance	288		281		848		818

Gain (loss) on sale of assets, net	—		(10)		7		(6)
Other income	252		322		937		1,053
Total noninterest income	3,738		3,692		11,463		10,996
Noninterest Expense
Compensation and benefits	13,531		13,058		39,505		38,016
Occupancy	2,544		2,732		7,618		7,789
Marketing and advertising	515		382		1,405		1,333
Data processing and communication	2,556		2,646		7,826		7,715
Professional services	406		450		1,207		1,506
Forms, printing and supplies	175		188		578		580
Franchise and shares tax	475		488		1,434		1,463
Regulatory fees	459		493		1,477		1,471
Foreclosed assets and ORE, net	377		62		1,023		216
Amortization of acquisition intangible	268		328		830		1,011
(Reversal) provision for credit losses on unfunded commitments	—		—		(970)		(134)
Other expenses	1,225		1,431		4,584		3,968
Total noninterest expense	22,531		22,258		66,517		64,934
Income before income tax expense	15,542		11,676		43,498		33,196
Income tax expense	3,185		2,239		8,847		6,442
Net Income	$	12,357	$	9,437	$	34,651	$	26,754
Earnings per share:
Basic	$	1.60	$	1.19	$	4.45	$	3.36
Diluted	$	1.59	$	1.18	$	4.41	$	3.34
Cash dividends declared per common share	$	0.29	$	0.25	$	0.83	$	0.75

The accompanying Notes are an integral part of these Consolidated Financial Statements.

HOME BANCORP, INC. AND SUBSIDIARY

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

(Unaudited)


	Three Months Ended September 30,				Nine Months Ended September 30,
(dollars in thousands)	2025		2024		2025		2024
Net Income	$	12,357	$	9,437	$	34,651	$	26,754
Other Comprehensive Income
Unrealized gains on available for sale investment securities	3,688		14,343		14,510		11,218
Unrealized losses on cash flow hedges	(394)		(1,606)		(1,737)		(1,412)

Tax effect	(692)		(2,675)		(2,682)		(2,059)
Other comprehensive income, net of taxes	2,602		10,062		10,091		7,747
Comprehensive Income	$	14,959	$	19,499	$	44,742	$	34,501

The accompanying Notes are an integral part of these Consolidated Financial Statements.

HOME BANCORP, INC. AND SUBSIDIARY

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY

(Unaudited)


(dollars in thousands, except per share data)	Common stock		Additional Paid-in capital		Unallocated Common Stock Held by ESOP		Unallocated Common Stock Held by RRP		Retained Earnings		Accumulated Other Comprehensive Loss		Total
Balance, June 30, 2024	$	81	$	165,918	$	(1,518)	$	—	$	245,046	$	(33,697)	$	375,830
Net income									9,437				9,437
Other comprehensive income											10,062		10,062
Purchase of Company’s common stock at cost, 24,473 shares	—		(245)						(772)				(1,017)
Cash dividends declared, $0.25 per share									(2,018)				(2,018)
Common Stock issued under incentive plans, net of shares surrendered in payment, including tax benefit, 13,168 shares	—		411						(1)				410
Exercise of stock options	—		18										18

ESOP shares released for allocation			327		90								417
Share-based compensation cost			314										314
Balance, September 30, 2024	$	81	$	166,743	$	(1,428)	$	—	$	251,692	$	(23,635)	$	393,453
Balance, June 30, 2025	$	78	$	166,576	$	(1,160)	$	—	$	265,817	$	(22,493)	$	408,818
Net income									12,357				12,357
Other comprehensive income											2,602		2,602
Purchase of Company’s common stock at cost, 100 shares	—		(2)						7				5
Cash dividends declared, $0.29 per share									(2,269)				(2,269)
Common Stock issued under incentive plans, net of shares surrendered in payment, including tax benefit, 18,160 shares	—		606						—				606
Exercise of stock options	—		27										27

ESOP shares released for allocation			439		89								528
Share-based compensation cost			370										370
Balance, September 30, 2025	$	78	$	168,016	$	(1,071)	$	—	$	275,912	$	(19,891)	$	423,044

The accompanying Notes are an integral part of these Consolidated Financial Statements.

HOME BANCORP, INC. AND SUBSIDIARY

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY - CONTINUED

(Unaudited)


(dollars in thousands, except per share data)	Common stock		Additional Paid-in capital		Unallocated Common Stock Held by ESOP		Unallocated Common Stock Held by RRP		Retained Earnings		Accumulated Other Comprehensive Loss		Total
Balance, December 31, 2023	$	81	$	165,823	$	(1,696)	$	(1)	$	234,619	$	(31,382)	$	367,444

Net income									26,754				26,754
Other comprehensive income											7,747		7,747
Purchase of Company’s common stock at cost, 122,634 shares	—		(1,226)						(3,460)				(4,686)
Cash dividends declared, $0.75 per share									(6,090)				(6,090)
Common Stock issued under incentive plans, net of shares surrendered in payment, including tax benefit, 34,392 shares			400						(131)				269
Exercise of stock options	—		18										18
RRP shares released for allocation			(1)				1						—
ESOP shares released for allocation			909		268								1,177
Share-based compensation cost			820										820
Balance, September 30, 2024	$	81	$	166,743	$	(1,428)	$	—	$	251,692	$	(23,635)	$	393,453
Balance, December 31, 2024	$	81	$	168,138	$	(1,339)	$	—	$	259,190	$	(29,982)	$	396,088
Net income									34,651				34,651
Other comprehensive income											10,091		10,091
Purchase of Company’s common stock at cost, 320,840 shares	(3)		(3,206)						(11,104)				(14,313)
Cash dividends declared, $0.83 per share									(6,562)				(6,562)
Common Stock issued under incentive plans, net of shares surrendered in payment, including tax benefit, 55,549 shares	—		871						(263)				608
Exercise of stock options	—		38										38

ESOP shares released for allocation			1,186		268								1,454
Share-based compensation cost			989										989
Balance, September 30, 2025	$	78	$	168,016	$	(1,071)	$	—	$	275,912	$	(19,891)	$	423,044

The accompanying Notes are an integral part of these Consolidated Financial Statements.

HOME BANCORP, INC. AND SUBSIDIARY

CONSOLIDATED STATEMENTS OF CASH FLOWS

(Unaudited)


	For the Nine Months Ended September 30,
(dollars in thousands)	2025		2024
Cash flows from operating activities:
Net income	$	34,651	$	26,754
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	654		1,542
Depreciation	2,473		2,674
Amortization and accretion of purchase accounting valuations and intangibles	1,895		2,340

Federal Home Loan Bank stock dividends	(305)		(422)
Net amortization of discount on investments	166		222
Amortization of subordinated debt issuance cost	162		161

Gain on loans sold, net	(635)		(408)
Proceeds, including principal payments, from loans held for sale	45,095		37,839
Originations of loans held for sale	(45,870)		(37,426)
(Gain) loss on sale of assets, net	(7)		6
Non-cash compensation	2,443		1,997
Deferred income tax expense	198		72
Decrease in accrued interest receivable and other assets	1,774		1,633
Increase in cash surrender value of bank-owned life insurance	(848)		(818)
Increase in accrued interest payable and other liabilities	968		6,733
Net cash provided by operating activities	42,814		42,899
Cash flows from investing activities:
Purchases of securities available for sale	(11,652)		(4,936)
Proceeds from maturities, prepayments and calls on securities available for sale	45,448		29,135


Decrease (increase) in loans, net	8,453		(89,236)
Decrease in interest-bearing deposits in banks	—		99
Proceeds from sale of foreclosed assets	2,588		1,879
Purchases of office properties and equipment	(5,552)		(3,511)




Proceeds from sale of office properties and equipment	187		153
Purchase of Federal Home Loan Bank stock	(1,582)		(973)
Proceeds from redemption of Federal Home Loan Bank stock	7,987		7,335
Net cash provided by (used in) investing activities	45,877		(60,055)
Cash flows from financing activities:
Increase in deposits, net	194,801		106,994
Borrowings of Federal Home Loan Bank advances	3,598,875		795,830
Repayments of Federal Home Loan Bank advances	(3,771,362)		(950,133)
Proceeds from other borrowings	—		135,000

Proceeds from exercise of stock options	38		18
Issuance of stock under incentive plans, net	608		269
Dividends paid to shareholders	(6,562)		(6,090)
Purchase of Company’s common stock	(14,313)		(4,686)
Net cash provided by financing activities	2,085		77,202
Net change in cash and cash equivalents	90,776		60,046
Cash and cash equivalents, beginning	98,548		75,831
Cash and cash equivalents, ending	$	189,324	$	135,877
Supplementary cash flow information:
Interest paid on deposits and borrowed funds	$	44,680	$	46,202
Income taxes paid	10,312		6,516

The accompanying Notes are an integral part of these Consolidated Financial Statements.

HOME BANCORP, INC. AND SUBSIDIARY

NOTES TO UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS

1. Basis of Presentation

The accompanying unaudited consolidated financial statements of the Company were prepared in accordance with instructions for Form 10-Q and Regulation S-X and do not include information or footnotes necessary for a complete presentation of financial condition, results of operations, comprehensive income, changes in shareholders’ equity and cash flows in conformity with accounting principles generally accepted in the United States of America. However, in the opinion of management, all adjustments (consisting of normal recurring adjustments) necessary for a fair presentation of the financial statements have been included. Certain reclassifications have been made to prior period balances to conform to the current period presentation. The results of operations for the three and nine months ended September 30, 2025 and 2024 are not necessarily indicative of the results which may be expected for the entire fiscal year. These statements should be read in conjunction with the Consolidated Financial Statements and notes thereto included in the Company’s Annual Report on Form 10-K filed with the SEC for the year ended December 31, 2024.

Critical Accounting Policies and Estimates

Critical accounting policies are defined as those that are reflective of significant judgments and uncertainties and could reflect materially different results under different assumptions and conditions. Methodologies the Company uses when applying critical accounting policies and developing critical accounting estimates are included in its Annual Report on Form 10-K for the year ended December 31, 2024.

There have been no material changes from the critical accounting policies previously disclosed in the Company's Annual Report on Form 10-K for the year ended December 31, 2024. In preparing its financial statements, the Company is required to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. Actual results could differ from those estimates.

Reclassifications

Certain reclassifications have been made to prior period balances to conform to the current period presentation.

2. Recent Accounting Pronouncements

Accounting Standards Adopted in 2025

ASU No. 2023-07, "Improvements to Reportable Segment Disclosures" ("ASU 2023-07") primarily will require enhanced disclosures about significant segment expenses. The amendments in ASU 2023-07 are effective for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024, with early adoption permitted, and are to be applied on a retrospective basis. The adoption of ASU 2023-07 did not have a significant impact on our consolidated financial statements.

ASU No. 2023-09, "Improvements to Income Tax Disclosures" ("ASU 2023-09") is intended to enhance the transparency and decision usefulness of income tax disclosures primarily through changes to the rate reconciliation and income taxes paid information. This update is effective for annual periods beginning after December 15, 2024, though early adoption is permitted. The adoption of ASU 2023-09 did not have a significant impact on our consolidated financial statements.

Issued but Not Yet Adopted Accounting Standards

ASU 2023-06, "Disclosure Improvements: Codification Amendments in Response to the SEC’s Disclosure Update and Simplification Initiative" ("ASU 2023-06") related to disclosure or presentation requirements for various subtopics in the FASB’s Accounting Standards Codification (“Codification”). The amendments in the update are intended to align the requirements in the Codification with the U.S. Securities and Exchange Commission's (“SEC”) regulations and facilitate the application of GAAP for all entities. The effective date for each amendment is the date on which the SEC's removal of the related disclosure requirement from Regulation S-X or Regulation S-K becomes effective, or if the SEC has not removed the requirements by June 30, 2027, this amendment will be removed from the Codification and will not become effective for any entity. Early adoption is prohibited. We do not expect this update to have a material impact on our consolidated financial statements.

ASU 2024-03, "Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures" ("ASU 2024-03") requires the disaggregation of certain expenses in the notes to the financial statements, to provide enhanced transparency into the expense captions presented on the face of the income statement. The amendments in ASU 2024-03 are effective for annual reporting periods beginning after December 31, 2026, and interim reporting periods beginning after December 15, 2027. Early adoption is permitted. The amendments in this ASU may be applied either prospectively or retrospectively. The Company is currently evaluating the impact that this update will have on its disclosures in the consolidated financial statements.

ASU 2025-03, "Business Combinations (Topic 805) and Consolidation (Topic 810): Determining the Accounting Acquirer in the Acquisition of a Variable Interest Entity (VIE)" ("ASU 2025-03") clarifies the guidance in determining the accounting acquirer in a business combination effected primarily by exchanging equity interests when the acquiree is a VIE that meets the definition of a business. The standard is effective for fiscal years beginning after December 15, 2026, including interim periods within those fiscal years. Early adoption is permitted, and the standard is to be applied prospectively to acquisitions after the adoption date. We do not expect this update to have a material impact on our consolidated financial statements.

3. Investment Securities

The following tables summarize the Company’s available for sale and held to maturity investment securities at September 30, 2025 and December 31, 2024.


(dollars in thousands)	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value
September 30, 2025
Available for sale:
U.S. agency mortgage-backed	$	277,168	$	331	$	19,629	$	257,870
Collateralized mortgage obligations	63,606		1		1,142		62,465
Municipal bonds	53,130		5		5,325		47,810
U.S. government agency	11,448		—		497		10,951
Corporate bonds	4,490		3		249		4,244
Total available for sale	$	409,842	$	340	$	26,842	$	383,340
Held to maturity:
Municipal bonds	$	1,065	$	1	$	—	$	1,066
Total held to maturity	$	1,065	$	1	$	—	$	1,066


(dollars in thousands)	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value
December 31, 2024
Available for sale:
U.S. agency mortgage-backed	$	291,351	$	45	$	29,523	$	261,873
Collateralized mortgage obligations	73,931		1		2,543		71,389
Municipal bonds	53,458		1		7,630		45,829
U.S. government agency	18,079		—		951		17,128
Corporate bonds	6,985		—		412		6,573
Total available for sale	$	443,804	$	47	$	41,059	$	402,792
Held to maturity:
Municipal bonds	$	1,065	$	1	$	1	$	1,065
Total held to maturity	$	1,065	$	1	$	1	$	1,065

The estimated fair value and amortized cost by contractual maturity of the Company’s investment securities as of September 30, 2025 are shown in the following tables. Securities are classified according to their contractual maturities without consideration of principal amortization, potential prepayments or call options. The expected maturity of a security may differ from its contractual maturity because of prepayments or the exercise of call options. Accordingly, actual maturities may differ from contractual maturities. The Company’s investment securities portfolio had an effective duration of 3.5 years and 3.9 years at September 30, 2025 and December 31, 2024, respectively.


(dollars in thousands)	One Year or Less		After One Year through Five Years		After Five Years through Ten Years		After Ten Years		Total
Fair Value
Available for sale:
U.S. agency mortgage-backed	$	16,696	$	75,146	$	64,295	$	101,733	$	257,870
Collateralized mortgage obligations	12,877		35,611		436		13,541		62,465
Municipal bonds	—		10,489		34,540		2,781		47,810
U.S. government agency	—		1,929		9,022		—		10,951
Corporate bonds	—		—		4,244		—		4,244
Total available for sale	$	29,573	$	123,175	$	112,537	$	118,055	$	383,340
Held to maturity:
Municipal bonds	$	1,066	$	—	$	—	$	—	$	1,066
Total held to maturity	$	1,066	$	—	$	—	$	—	$	1,066

(dollars in thousands)	One Year or Less		After One Year through Five Years		After Five Years through Ten Years		After Ten Years		Total
Amortized Cost
Available for sale:
U.S. agency mortgage-backed	$	16,935	$	78,533	$	66,810	$	114,890	$	277,168
Collateralized mortgage obligations	12,934		36,230		444		13,998		63,606
Municipal bonds	—		10,975		39,039		3,116		53,130
U.S. government agency	—		2,051		9,397		—		11,448
Corporate bonds	—		—		4,490		—		4,490
Total available for sale	$	29,869	$	127,789	$	120,180	$	132,004	$	409,842
Held to maturity:
Municipal bonds	$	1,065	$	—	$	—	$	—	$	1,065
Total held to maturity	$	1,065	$	—	$	—	$	—	$	1,065

Management evaluates securities for impairment from credit losses at least quarterly, and more frequently when economic and market conditions warrant such evaluations. Consideration is given to numerous factors including, but not limited to, the extent to which the fair value is less than the amortized cost basis; adverse conditions causing changes in the financial condition of the issuer of the security or underlying loan guarantors; changes to the rating of the security by a rating agency; and the Company’s intent to sell a security or whether it is more likely than not the Company will be required to sell the security before the recovery of its amortized cost, which may extend to maturity.

The Company performs a process to determine whether the decline in the fair value of securities has resulted from credit losses or other factors. This process involves evaluating each security for impairment by monitoring credit performance, collateral type, collateral geography, bond credit support, loan-to-value ratios, credit scores, loss severity levels, pricing levels, downgrades by rating agencies, cash flow projections and other factors as indicators of potential credit issues. If this evaluation indicates the existence of credit losses, the Company compares the present value of cash flows expected to be collected from the security with the amortized cost basis. If the present value of expected cash flows is less than the amortized cost basis, an ACL is recorded, limited by the amount that the fair value of the security is less than its amortized cost.

The Company's investment securities with unrealized losses, aggregated by type and length of time that individual securities have been in a continuous loss position, are summarized in the following tables.


(dollars in thousands)	Less Than 1 Year				Over 1 Year				Total
September 30, 2025	Fair Value		Unrealized Losses		Fair Value		Unrealized Losses		Fair Value		Unrealized Losses
Available for sale:
U.S. agency mortgage-backed	$	4,229	$	32	$	229,634	$	19,597	$	233,863	$	19,629
Collateralized mortgage obligations	—		—		62,437		1,142		62,437		1,142
Municipal bonds	—		—		45,863		5,325		45,863		5,325
U.S. government agency	—		—		10,951		497		10,951		497
Corporate bonds	—		—		3,251		249		3,251		249
Total available for sale	$	4,229	$	32	$	352,136	$	26,810	$	356,365	$	26,842


(dollars in thousands)	Less Than 1 Year				Over 1 Year				Total
December 31, 2024	Fair Value		Unrealized Losses		Fair Value		Unrealized Losses		Fair Value		Unrealized Losses
Available for sale:
U.S. agency mortgage-backed	$	16,024	$	336	$	240,693	$	29,187	$	256,717	$	29,523
Collateralized mortgage obligations	—		—		71,342		2,543		71,342		2,543
Municipal bonds	1,435		14		43,893		7,616		45,328		7,630
U.S. government agency	—		—		17,128		951		17,128		951
Corporate bonds	—		—		6,573		412		6,573		412
Total available for sale	$	17,459	$	350	$	379,629	$	40,709	$	397,088	$	41,059

At September 30, 2025, 217 of the Company’s debt securities had unrealized losses totaling 7.0% of the individual securities’ amortized cost basis and 6.5% of the Company’s total amortized cost basis of the investment securities portfolio. At such date, 216 of the 217 securities had been in a continuous loss position for over 12 months. Management has determined that the declines in the fair value of these securities were not attributable to credit losses. As a result, no ACL was recorded for available for sale investment securities at September 30, 2025.

At September 30, 2025, it was determined that no ACL was required for the Company's held-to-maturity investment securities. The Company monitors credit quality of debt securities held-to-maturity through the use of credit ratings. The following tables present the amortized cost of the Company's held-to-maturity securities by credit quality rating at September 30, 2025 and December 31, 2024.


	Credit Ratings
(dollars in thousands)	AAA/AA/A		BBB/BB/B		Total
September 30, 2025
Held to maturity:
Municipal bonds	$	1,065	$	—	$	1,065


	Credit Ratings
(dollars in thousands)	AAA/AA/A		BBB/BB/B		Total
December 31, 2024
Held to maturity:
Municipal bonds	$	1,065	$	—	$	1,065

Accrued interest receivable on the Company's investment securities was $1,138,000 and $1,471,000 at September 30, 2025 and December 31, 2024, respectively. These amounts are recorded in accrued interest receivable and other assets on the Consolidated Statements of Financial Condition.

At September 30, 2025 and December 31, 2024, the Company had $140,204,000 and $134,887,000, respectively, of securities pledged to secure public deposits.

4. Earnings Per Share

Earnings per common share was computed based on the following:


	Three Months Ended September 30,				Nine Months Ended September 30,
(in thousands, except per share data)	2025		2024		2025		2024
Numerator:
Net income available to common shareholders	$	12,357	$	9,437	$	34,651	$	26,754
Denominator:
Weighted average common shares outstanding	7,713		7,922		7,789		7,959
Effect of dilutive securities:
Restricted stock	41		23		44		27
Stock options	29		22		30		22
Weighted average common shares outstanding – assuming dilution	7,783		7,967		7,863		8,008
Basic earnings per common share	$	1.60	$	1.19	$	4.45	$	3.36
Diluted earnings per common share	$	1.59	$	1.18	$	4.41	$	3.34

Options for 16,346 and 78,584 shares of common stock were not included in the computation of diluted EPS for the three months ended September 30, 2025 and 2024, respectively, because the effect of those shares was anti-dilutive. For the nine months ended September 30, 2025 and 2024, options for 8,357 and 67,235, respectively, shares of common stock were not included in the computation of diluted EPS because the effect of these shares was anti-dilutive.

5. Credit Quality and Allowance for Credit Losses

The Company’s loans, net of unearned income, consisted of the following as of the dates indicated.


(dollars in thousands)	September 30, 2025		December 31, 2024
Real estate loans:
One- to four-family first mortgage	$	490,600	$	501,225
Home equity loans and lines	86,885		79,097
Commercial real estate	1,175,384		1,158,781
Construction and land	325,725		352,263
Multi-family residential	184,022		178,568
Total real estate loans	2,262,616		2,269,934
Other loans:
Commercial and industrial	413,590		418,627
Consumer	29,689		29,624
Total other loans	443,279		448,251
Total loans	$	2,705,895	$	2,718,185

The net discount on the Company’s acquired loans was $1,421,000 and $2,469,000 at September 30, 2025 and December 31, 2024, respectively. In addition, loan balances as of September 30, 2025 and December 31, 2024 are reported net of unearned income of $4,895,000 and $5,122,000, respectively.

Accrued interest receivable on the Company's loans was $12,900,000 and $13,314,000 at September 30, 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 Losses

The 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.


	September 30, 2025
(dollars in thousands)	Collectively Evaluated		Individually Evaluated		Total
Allowance for credit losses:
One- to four-family first mortgage	$	5,006	$	213	$	5,219
Home equity loans and lines	986		—		986
Commercial real estate	14,373		430		14,803
Construction and land	3,090		—		3,090
Multi-family residential	1,021		136		1,157
Commercial and industrial	6,467		357		6,824
Consumer	748		—		748
Total allowance for loan losses	$	31,691	$	1,136	$	32,827

Unfunded lending commitments(1)	$	1,730	$	—	$	1,730
Total allowance for credit losses	$	33,421	$	1,136	$	34,557


	September 30, 2025
(dollars in thousands)	Collectively Evaluated		Individually Evaluated(2)		Total
Loans:
One- to four-family first mortgage	$	488,427	$	2,173	$	490,600
Home equity loans and lines	86,885		—		86,885
Commercial real estate	1,173,158		2,226		1,175,384
Construction and land	325,206		519		325,725
Multi-family residential	183,419		603		184,022
Commercial and industrial	412,971		619		413,590
Consumer	29,689		—		29,689
Total loans	$	2,699,755	$	6,140	$	2,705,895


	December 31, 2024
(dollars in thousands)	Collectively Evaluated		Individually Evaluated		Total
Allowance for credit losses:
One- to four-family first mortgage	$	4,430	$	—	$	4,430
Home equity loans and lines	801		—		801
Commercial real estate	13,321		200		13,521
Construction and land	5,484		—		5,484
Multi-family residential	1,090		—		1,090
Commercial and industrial	6,613		248		6,861
Consumer	729		—		729
Total allowance for loan losses	$	32,468	$	448	$	32,916

Unfunded lending commitments(1)	$	2,700	$	—	$	2,700
Total allowance for credit losses	$	35,168	$	448	$	35,616

	December 31, 2024
(dollars in thousands)	Collectively Evaluated		Individually Evaluated(2)		Total
Loans:
One- to four-family first mortgage	$	501,225	$	—	$	501,225
Home equity loans and lines	79,097		—		79,097
Commercial real estate	1,154,063		4,718		1,158,781
Construction and land	352,263		—		352,263
Multi-family residential	178,568		—		178,568
Commercial and industrial	418,373		254		418,627
Consumer	29,624		—		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.

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)	Beginning Balance		Charge-offs		Recoveries		Provision (Reversal)		Ending Balance
Allowance for credit losses:
One- to four-family first mortgage	$	4,430	$	—	$	11	$	778	$	5,219
Home equity loans and lines	801		—		36		149		986
Commercial real estate	13,521		(21)		—		1,303		14,803
Construction and land	5,484		(102)		—		(2,292)		3,090
Multi-family residential	1,090		—		—		67		1,157
Commercial and industrial	6,861		(765)		334		394		6,824
Consumer	729		(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 Balance		Charge-offs		Recoveries		Provision (Reversal)		Ending Balance
Allowance for credit losses:
One- to four-family first mortgage	$	3,255	$	—	$	4	$	1,143	$	4,402
Home equity loans and lines	688		—		35		62		785
Commercial real estate	14,805		—		—		(1,334)		13,471
Construction and land	5,415		(123)		—		(125)		5,167
Multi-family residential	474		—		12		593		1,079
Commercial and industrial	6,166		(719)		151		1,079		6,677
Consumer	734		(188)		27		124		697
Total allowance for loan losses	$	31,537	$	(1,030)	$	229	$	1,542	$	32,278

Unfunded lending commitments	$	2,594	$	—	$	—	$	(134)	$	2,460
Total allowance for credit losses	$	34,131	$	(1,030)	$	229	$	1,408	$	34,738

Credit Quality

The following tables present the Company’s loan portfolio by credit quality classification and origination year as of September 30, 2025 and December 31, 2024. The gross charge-offs presented in the tables that follow are for the nine months ended September 30, 2025 and the year ended December 31, 2024.


	September 30, 2025
	Term Loans by Origination Year
(dollars in thousands)	2025		2024		2023		2022		2021		Prior		Revolving Loans		Revolving Loans Converted to Term Loans		Total
One- to four-family first mortgage:
Pass	$	43,941	$	64,741	$	87,863	$	94,257	$	70,350	$	96,684	$	25,060	$	841	$	483,737
Special Mention	—		—		—		—		—		—		—		—		—
Substandard	22		245		1,083		2,553		410		2,380		170		—		6,863
Doubtful	—		—		—		—		—		—		—		—		—
Total one- to four-family first mortgages	$	43,963	$	64,986	$	88,946	$	96,810	$	70,760	$	99,064	$	25,230	$	841	$	490,600
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Home equity loans and lines:
Pass	$	1,297	$	1,603	$	1,674	$	2,041	$	1,435	$	4,235	$	71,991	$	1,601	$	85,877
Special Mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		143		535		179		122		29		—		1,008
Doubtful	—		—		—		—		—		—		—		—		—
Total home equity loans and lines	$	1,297	$	1,603	$	1,817	$	2,576	$	1,614	$	4,357	$	72,020	$	1,601	$	86,885
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial real estate:
Pass	$	93,803	$	174,203	$	144,356	$	277,678	$	182,608	$	243,750	$	20,027	$	4,317	$	1,140,742
Special Mention	—		—		—		1,052		805		1,210		—		—		3,067
Substandard	399		—		—		7,813		8,508		14,305		550		—		31,575
Doubtful	—		—		—		—		—		—		—		—		—
Total commercial real estate loans	$	94,202	$	174,203	$	144,356	$	286,543	$	191,921	$	259,265	$	20,577	$	4,317	$	1,175,384
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	21	$	—	$	—	$	21
Construction and land:
Pass	$	84,217	$	111,315	$	86,482	$	12,676	$	2,797	$	5,991	$	11,323	$	185	$	314,986
Special Mention	—		—		749		143		—		—		—		—		892
Substandard	—		162		9,165		520		—		—		—		—		9,847
Doubtful	—		—		—		—		—		—		—		—		—
Total construction and land loans	$	84,217	$	111,477	$	96,396	$	13,339	$	2,797	$	5,991	$	11,323	$	185	$	325,725
Current period gross charge-offs	$	—	$	100	$	—	$	—	$	2	$	—	$	—	$	—	$	102


	September 30, 2025
	Term Loans by Origination Year
(dollars in thousands)	2025		2024		2023		2022		2021		Prior		Revolving Loans		Revolving Loans Converted to Term Loans		Total
Multi-family residential:
Pass	$	20,122	$	40,504	$	24,078	$	48,633	$	21,825	$	26,290	$	1,279	$	—	$	182,731
Special Mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		318		—		602		371		—		1,291
Doubtful	—		—		—		—		—		—		—		—		—
Total multi-family residential loans	$	20,122	$	40,504	$	24,078	$	48,951	$	21,825	$	26,892	$	1,650	$	—	$	184,022
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial and industrial:
Pass	$	44,005	$	65,611	$	49,963	$	46,150	$	10,254	$	6,784	$	183,002	$	822	$	406,591
Special Mention	—		—		—		—		—		—		—		—		—
Substandard	1,258		73		179		313		346		—		4,710		120		6,999
Doubtful	—		—		—		—		—		—		—		—		—
Total commercial and industrial loans	$	45,263	$	65,684	$	50,142	$	46,463	$	10,600	$	6,784	$	187,712	$	942	$	413,590
Current period gross charge-offs	$	—	$	19	$	247	$	19	$	—	$	115	$	—	$	365	$	765
Consumer:
Pass	$	5,921	$	3,219	$	1,565	$	1,348	$	235	$	8,143	$	9,197	$	1	$	29,629
Special Mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		11		17		32		—		—		60
Doubtful	—		—		—		—		—		—		—		—		—
Total consumer loans	$	5,921	$	3,219	$	1,565	$	1,359	$	252	$	8,175	$	9,197	$	1	$	29,689
Current period gross charge-offs	$	—	$	19	$	8	$	—	$	141	$	2	$	—	$	116	$	286
Total loans:
Pass	$	293,306	$	461,196	$	395,981	$	482,783	$	289,504	$	391,877	$	321,879	$	7,767	$	2,644,293
Special Mention	—		—		749		1,195		805		1,210		—		—		3,959
Substandard	1,679		480		10,570		12,063		9,460		17,441		5,830		120		57,643
Doubtful	—		—		—		—		—		—		—		—		—
Total loans	$	294,985	$	461,676	$	407,300	$	496,041	$	299,769	$	410,528	$	327,709	$	7,887	$	2,705,895
Current period gross charge-offs	$	—	$	138	$	255	$	19	$	143	$	138	$	—	$	481	$	1,174


	December 31, 2024
	Term Loans by Origination Year
(dollars in thousands)	2024		2023		2022		2021		2020		Prior		Revolving Loans		Revolving Loans Converted to Term Loans		Total
One- to four-family first mortgage:
Pass	$	71,582	$	95,261	$	108,853	$	76,116	$	31,482	$	88,472	$	20,042	$	1,560	$	493,368
Special Mention	—		146		491		186		—		—		—		—		823
Substandard	56		1,040		2,316		575		340		2,707		—		—		7,034
Doubtful	—		—		—		—		—		—		—		—		—
Total one- to four-family first mortgages	$	71,638	$	96,447	$	111,660	$	76,877	$	31,822	$	91,179	$	20,042	$	1,560	$	501,225
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Home equity loans and lines:
Pass	$	1,833	$	1,249	$	2,359	$	1,409	$	627	$	3,535	$	65,597	$	2,209	$	78,818
Special Mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		65		—		—		185		29		—		279
Doubtful	—		—		—		—		—		—		—		—		—
Total home equity loans and lines	$	1,833	$	1,249	$	2,424	$	1,409	$	627	$	3,720	$	65,626	$	2,209	$	79,097
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	22	$	—	$	22
Commercial real estate:
Pass	$	151,397	$	130,833	$	298,344	$	217,602	$	153,122	$	162,925	$	25,820	$	197	$	1,140,240
Special Mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		1,754		1,405		2,788		12,594		—		—		18,541
Doubtful	—		—		—		—		—		—		—		—		—
Total commercial real estate loans	$	151,397	$	130,833	$	300,098	$	219,007	$	155,910	$	175,519	$	25,820	$	197	$	1,158,781
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Construction and land:
Pass	$	141,926	$	131,483	$	51,789	$	4,529	$	6,656	$	2,925	$	7,749	$	(18)	$	347,039
Special Mention	—		—		—		—		—		—		—		—		—
Substandard	30		135		1,201		253		3		—		—		3,602		5,224
Doubtful	—		—		—		—		—		—		—		—		—
Total construction and land loans	$	141,956	$	131,618	$	52,990	$	4,782	$	6,659	$	2,925	$	7,749	$	3,584	$	352,263
Current period gross charge-offs	$	—	$	—	$	123	$	—	$	—	$	—	$	—	$	—	$	123
Multi-family residential:
Pass	$	38,559	$	25,331	$	48,047	$	22,401	$	14,523	$	27,549	$	1,228	$	—	$	177,638
Special Mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		930		—		930


	December 31, 2024
	Term Loans by Origination Year
(dollars in thousands)	2024		2023		2022		2021		2020		Prior		Revolving Loans		Revolving Loans Converted to Term Loans		Total
Doubtful	—		—		—		—		—		—		—		—		—
Total multi-family residential loans	$	38,559	$	25,331	$	48,047	$	22,401	$	14,523	$	27,549	$	2,158	$	—	$	178,568
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial and industrial:
Pass	$	75,576	$	59,626	$	60,175	$	17,993	$	6,547	$	4,482	$	188,676	$	1,797	$	414,872
Special Mention	—		—		—		—		—		—		—		—		—
Substandard	1,344		284		368		345		46		19		49		1,300		3,755
Doubtful	—		—		—		—		—		—		—		—		—
Total commercial and industrial loans	$	76,920	$	59,910	$	60,543	$	18,338	$	6,593	$	4,501	$	188,725	$	3,097	$	418,627
Current period gross charge-offs	$	—	$	17	$	317	$	53	$	—	$	17	$	471	$	—	$	875
Consumer:
Pass	$	5,815	$	2,952	$	1,842	$	371	$	585	$	9,056	$	8,850	$	126	$	29,597
Special Mention	—		—		—		—		—		—		—		—		—
Substandard	—		6		4		4		—		11		—		2		27
Doubtful	—		—		—		—		—		—		—		—		—
Total consumer loans	$	5,815	$	2,958	$	1,846	$	375	$	585	$	9,067	$	8,850	$	128	$	29,624
Current period gross charge-offs	$	7	$	39	$	24	$	—	$	10	$	8	$	177	$	—	$	265
Total loans:
Pass	$	486,688	$	446,735	$	571,409	$	340,421	$	213,542	$	298,944	$	317,962	$	5,871	$	2,681,572
Special Mention	—		146		491		186		—		—		—		—		823
Substandard	1,430		1,465		5,708		2,582		3,177		15,516		1,008		4,904		35,790
Doubtful	—		—		—		—		—		—		—		—		—
Total loans	$	488,118	$	448,346	$	577,608	$	343,189	$	216,719	$	314,460	$	318,970	$	10,775	$	2,718,185
Current period gross charge-offs	$	7	$	56	$	464	$	53	$	10	$	25	$	670	$	—	$	1,285

The above classifications follow regulatory guidelines and can generally be described as follows:

•Pass loans are of satisfactory quality.

•Special mention loans have an existing weakness that could cause future impairment, including the deterioration of financial ratios, past due status, questionable management capabilities and possible reduction in the collateral values.

•Substandard loans have an existing specific and well-defined weakness that may include poor liquidity and deterioration of financial performance. Such loans may be past due and related deposit accounts experiencing overdrafts. Immediate corrective action is necessary.

•Doubtful loans have specific weaknesses that are severe enough to make collection or liquidation in full highly questionable and improbable.

In addition, residential loans are classified using an inter-agency regulatory methodology that incorporates, among other factors, the extent of delinquencies and loan-to-value ratios. These classifications were the most current available as of the dates indicated and were generally updated within the quarter.

Age analysis of past due loans as of the dates indicated are as follows.


	September 30, 2025
(dollars in thousands)	30-59 Days Past Due		60-89 Days Past Due		Greater Than 90 Days Past Due		Total Past Due		Current Loans		Total Loans



























Real estate loans:
One- to four-family first mortgage	$	4,917	$	714	$	5,051	$	10,682	$	479,918	$	490,600
Home equity loans and lines	129		100		29		258		86,627		86,885
Commercial real estate	2,496		1,334		3,007		6,837		1,168,547		1,175,384
Construction and land	318		1,595		9,713		11,626		314,099		325,725
Multi-family residential	—		—		973		973		183,049		184,022
Total real estate loans	7,860		3,743		18,773		30,376		2,232,240		2,262,616
Other loans:
Commercial and industrial	222		132		989		1,343		412,247		413,590
Consumer	102		21		37		160		29,529		29,689
Total other loans	324		153		1,026		1,503		441,776		443,279
Total loans	$	8,184	$	3,896	$	19,799	$	31,879	$	2,674,016	$	2,705,895

December 31, 2024

(dollars in thousands)

30-59 Days Past Due

60-89 Days Past Due

Greater Than 90 Days Past Due

Total Past Due

Current Loans

Total Loans

Real estate loans:

One- to four-family first mortgage

4,208

HOME BANCORP, INC. 10-Q