0001436425-22-000066.txt : 20221018 0001436425-22-000066.hdr.sgml : 20221018 20221018103116 ACCESSION NUMBER: 0001436425-22-000066 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20221018 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Other Events ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20221018 DATE AS OF CHANGE: 20221018 FILER: COMPANY DATA: COMPANY CONFORMED NAME: HOME BANCORP, INC. CENTRAL INDEX KEY: 0001436425 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036] IRS NUMBER: 711051785 STATE OF INCORPORATION: LA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-34190 FILM NUMBER: 221315202 BUSINESS ADDRESS: STREET 1: 503 KALISTE SALOOM ROAD CITY: LAFAYETTE STATE: LA ZIP: 70508 BUSINESS PHONE: (337) 237-1960 MAIL ADDRESS: STREET 1: 503 KALISTE SALOOM ROAD CITY: LAFAYETTE STATE: LA ZIP: 70508 8-K 1 hbcp-20221018.htm 8-K hbcp-20221018
503 Kaliste Saloom RoadLafayetteLouisiana337237-1960October 18, 20220001436425FALSE00014364252022-10-182022-10-18

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
 
Washington, D.C. 20549
 
FORM 8-K
 
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
Date of Report (Date of earliest event reported)October 18, 2022
Home Bancorp, Inc.
(Exact name of registrant as specified in its charter)
Louisiana001-3419071-1051785
(State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.)
503 Kaliste Saloom Road, Lafayette, Louisiana
70508
(Address of principal executive offices)(Zip Code)
Registrant’s telephone number, including area code
(337) 237-1960
N/A
(Former name or former address, if changed since last report)
 
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2 below):
☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading symbol(s)Name of each exchange on which registered
Common StockHBCPNasdaq Stock Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
 
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. ¨
 
 


Item 2.02Results of Operations and Financial Condition
 
On October 18, 2022, the Registrant announced its results of operations for the quarter ended September 30, 2022. A copy of the related press release (the "Press Release") is attached as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated by reference herein. The Press Release attached hereto is being furnished to the SEC and shall not be deemed "filed" for any purpose except as otherwise provided herein.

Item 8.01Other Events

On October 18, 2022, the Registrant announced that its Board of Directors increased its quarterly cash dividend on shares of its common stock to $0.24 per share. The cash dividend will be paid on November 10, 2022 to shareholders of record at the close of business on October 31, 2022.


Item 9.01Financial Statements and Exhibits

(a)Not applicable.
(b)Not applicable.
(c)Not applicable.
(d)Exhibits

The following exhibit is filed herewith.
Exhibit Number Description
 
104The cover page of Home Bancorp Inc.'s Form 8-K is formatted in Inline XBRL.
 



SIGNATURES
 

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
 HOME BANCORP, INC. 
    
    
Date:  October 18, 2022
By:/s/ John W. Bordelon 
  John W. Bordelon 
  Chairman of the Board, President and Chief Executive Officer 

 
 


 EX-99.1 2 a2022q3earningsrelease.htm EX-99.1 Document


homebancorp.jpg

For further information contact:
John W. Bordelon, Chairman of the Board, President and CEO
(337) 237-1960

Release Date:October 18, 2022
For Immediate Release

HOME BANCORP, INC. ANNOUNCES 2022 THIRD QUARTER RESULTS AND
INCREASES QUARTERLY DIVIDEND BY 4%

Lafayette, Louisiana – Home Bancorp, Inc. (Nasdaq: “HBCP”) (the “Company”), the parent company for Home Bank, N.A. (the “Bank”) (www.home24bank.com), reported financial results for the third quarter of 2022. For the quarter, the Company reported net income of $10.4 million, or $1.28 per diluted common share (“diluted EPS”), up $2.0 million from $8.5 million, or $1.03 diluted EPS, for the second quarter of 2022. The third and second quarters of 2022 include merger expenses, net of taxes totaling $41,000 and $1.3 million, respectively, related to the acquisition of Friendswood Capital Corporation ("Friendswood"), the former holding company of Texan Bank, N.A. ("Texan Bank") of Houston, Texas, which was consummated on March 26, 2022. Income pre-tax, pre-provision and pre-PPP income totaled $14.7 million, up $4.0 million, or 37%, from the prior quarter.

“We are excited to report strong earnings and loan growth throughout our footprint for the second consecutive quarter," said John W. Bordelon, President and Chief Executive Officer of the Company and the Bank. "While maintaining a strong credit discipline, the Company’s total loans increased on a reported basis 4% from the previous quarter. Excluding PPP loans, total loans increased $83.6 million, or 15% on an annualized basis of which approximately 27% was attributable to the Houston market. We are seeing continuous success attracting new customers throughout our footprint.”

Third Quarter 2022 Highlights

•Loans totaled $2.3 billion at September 30, 2022, up $78.6 million, or 4%, from June 30, 2022. Excluding PPP loans, total organic loans were up $83.6 million, or 15% annualized, from June 30, 2022. PPP loans totaled $7.1 million at September 30, 2022, down $5.0 million, or 41%, from June 30, 2022.

•Net interest income totaled $32.0 million, up $2.7 million, or 9% from the prior quarter. Excluding PPP income, net interest income totaled $31.8 million, up $3.0 million, or 10% from the prior quarter.

•The net interest margin ("NIM") increased 35 basis points from 3.76% for the second quarter of 2022 to 4.11%. Excluding PPP, NIM increased 38 basis points during the third quarter of 2022 to 4.11%.

•The Company recorded a $1.7 million provision to the allowance for loan losses primarily due to loan growth.

•The Company repurchased 77,021 shares of its common stock during the third quarter of 2022 at an average price per share of $37.06.



1
    
Loans

Loans totaled $2.3 billion at September 30, 2022, up $78.6 million, or 4%, from June 30, 2022. PPP loans, included in commercial and industrial loans, decreased $5.0 million, or 41%, from June 30, 2022. The following table summarizes the changes in the Company’s loan portfolio, net of unearned income, from June 30, 2022 to September 30, 2022.

(dollars in thousands)9/30/20226/30/2022Increase (Decrease)
Real estate loans:




One- to four-family first mortgage$376,028 $369,410 $6,618 2 %
Home equity loans and lines60,624 59,799 825 1 
Commercial real estate1,086,656 1,053,696 32,960 3 
Construction and land328,753 317,351 11,402 4 
Multi-family residential97,212 101,136 (3,924)(4)
Total real estate loans1,949,273 1,901,392 47,881 3 
Other loans:



Commercial and industrial320,900 290,157 30,743 11 
Consumer33,106 33,106 — — 
Total other loans354,006 323,263 30,743 10 
Total loans$2,303,279 $2,224,655 $78,624 4 %

The average loan yield was 5.17% for the third quarter of 2022, up 23 basis points from the second quarter of 2022. Commercial real estate, commercial and industrial and construction and land loans were the primary drivers for the loan growth during the third quarter of 2022. Commercial and industrial loan growth for the current quarter was primarily in our Acadiana, Baton Rouge and Mississippi markets. At September 30, 2022, the growth in commercial real estate and construction loans was primarily within our Houston and New Orleans markets.


Credit Quality and Allowance for Credit Losses

Nonperforming assets (“NPAs”) totaled $17.5 million, or 0.55% of total assets, at September 30, 2022, down $1.3 million, or 7%, from $18.8 million, or 0.56% of total assets, at June 30, 2022. During the third quarter of 2022, the Company recorded net loan charge-offs of $365,000, compared to net charge-offs of $439,000 during the second quarter of 2022.

The Company provisioned $1.7 million to the allowance for loan losses in the third quarter of 2022. At September 30, 2022, the allowance for loan losses totaled $27.4 million, or 1.19% of total loans, compared to $26.0 million, or 1.17% of total loans, at June 30, 2022. Excluding PPP loans, the ratios of the allowance for loan losses to total loans were 1.19% and 1.18% at September 30, 2022 and June 30, 2022, respectively. Changes in expected losses consider various factors including the changing economic activity, potential mitigating effects of governmental stimulus, the duration of the health crisis, customer specific information impacting changes in risk ratings, projected delinquencies and the impact of industry-wide loan modification efforts, among other factors.


Deposits

Total deposits were $2.7 billion at September 30, 2022, down $182.0 million, or 6%, from June 30, 2022. Non-maturity deposits decreased $145.4 million during the third quarter of 2022 to $2.4 billion. The decrease was primarily due to $40.6 million decline in public funds and $53.1 million decline in surge deposits related to three current customers. The following table summarizes the changes in the Company’s deposits from June 30, 2022 to September 30, 2022.
2
    
(dollars in thousands)

9/30/20226/30/2022Increase (Decrease)
Demand deposits$921,089 $938,531 $(17,442)(2)%
Savings325,594 316,974 8,620 3 
Money market452,474 483,951 (31,477)(7)
NOW686,592 791,692 (105,100)(13)
Certificates of deposit352,675 389,228 (36,553)(9)
Total deposits$2,738,424 $2,920,376 $(181,952)(6)%

The average rate on interest-bearing deposits increased five basis points from 0.22% for the second quarter of 2022 to 0.27% for the third quarter of 2022. At September 30, 2022, certificates of deposit maturing within the next 12 months totaled $274.7 million.

Net Interest Income

The net interest margin ("NIM") increased 35 basis points from 3.76% for the second quarter of 2022 to 4.11% for the third quarter of 2022 primarily due to an increase in the average yield on interest-earning assets, which was partially offset with an increase in the average cost of interest-bearing liabilities. The increase in average cost of interest-bearing liabilities was primarily due to the issuance of subordinated debt on June 30, 2022. Loan income from the recognition of deferred PPP lender fees totaled $108,000 during the third quarter of 2022, down $262,000, or 71%, compared to the second quarter of 2022.

The average loan yield was 5.17% for the third quarter of 2022, up 23 basis points from the second quarter of 2022. Due to the declining balance of PPP loans, income from PPP loans did not significantly impact the average loan yield or the NIM during the third quarter of 2022. During the second quarter of 2022, PPP loans positively impacted the average loan yield by three basis points and the NIM by three basis points.

Average PPP loans were $9.4 million for the third quarter of 2022, down $6.0 million, or 39%, from the second quarter of 2022. Unrecognized PPP lender fees totaled $103,000 at September 30, 2022.

Average other interest-earning assets were $262.1 million for the third quarter of 2022, down $160.1 million, or 38%, from the second quarter of 2022 primarily due to a reallocation of certain other assets to partially fund the increases in loans and investment securities.

Loan accretion income from acquired loans totaled $846,000 for the third quarter of 2022, down $33,000, or 4% from the second quarter of 2022.

The following table summarizes the Company’s average volume and rate of its interest-earning assets and interest-bearing liabilities for the periods indicated. Taxable equivalent (“TE”) yields on investment securities have been calculated using a marginal tax rate of 21%.

Quarter Ended

9/30/20226/30/2022
(dollars in thousands)Average BalanceInterestAverage Yield/ RateAverage BalanceInterestAverage Yield/ Rate
Interest-earning assets:






Loans receivable$2,265,846 $29,859 5.17 %$2,190,721 $27,304 4.94 %
Investment securities (TE)
532,300 2,958 2.25 475,853 2,338 1.99 
Other interest-earning assets262,127 1,447 2.19 422,265 863 0.82 
Total interest-earning assets$3,060,273 $34,264 4.41 %$3,088,839 $30,505 3.93 %
Interest-bearing liabilities:






Deposits:






Savings, checking, and money market$1,522,350 $876 0.23 %$1,584,118 $673 0.17 %
3
    
Certificates of deposit371,925 394 0.42 406,367 430 0.42 
Total interest-bearing deposits1,894,275 1,270 0.27 1,990,485 1,103 0.22 
Other borrowings5,539 53 3.80 5,794 54 3.71 
Subordinated debt$53,943 $859 6.32 %774 — — 
FHLB advances24,977 105 1.68 25,426 107 1.69 
Total interest-bearing liabilities$1,978,734 $2,287 0.46 %$2,022,479 $1,264 0.25 %
Net interest spread (TE)


3.95 %


3.68 %
Net interest margin (TE)


4.11 %


3.76 %

Noninterest Income

Noninterest income for the third quarter of 2022 totaled $3.5 million, down $212,000, or 6%, from the second quarter of 2022. A decrease in net gain on sale of loans of $186,000, or 70% from the second quarter was the primary reason for the decline in noninterest income for the third quarter of 2022.

Noninterest Expense

Noninterest expense for the third quarter of 2022 totaled $20.7 million, down $1.0 million, or 5%, from the second quarter of 2022. The decrease was related primarily to a reduction in merger expenses related to the acquisition of Friendswood, which was partially offset by an increase in compensation and benefits expense, primarily reflecting the growth of the Bank. Noninterest expense for the third quarter of 2022 and the second quarter of 2022 include $60,000 and $1.6 million, respectively, of merger expenses related to the acquisition of Friendswood.

Capital

At September 30, 2022, shareholders’ equity totaled $316.7 million, down $12.5 million, or 4%, compared to $329.1 million at June 30, 2022. The decrease was primarily due to the Company’s accumulated other comprehensive loss on available for sale investment securities during the third quarter of 2022, which was partially offset by the Company's earnings. The market value of the Company's available for sale securities at September 30, 2022 declined $25.1 million, or 73% compared to $34.5 million at June 30, 2022. Preliminary Tier 1 leverage capital and total risk-based capital ratios were 9.76% and 13.50%, respectively, at September 30, 2022, compared to 9.30% and 13.74%, respectively, at June 30, 2022.

Dividend and Share Repurchases

The Company announced that its Board of Directors increased its quarterly cash dividend on shares of its common stock to $0.24 per share payable on November 10, 2022, to shareholders of record as of October 31, 2022.

The Company repurchased 77,021 shares of its common stock during the third quarter of 2022 at an average price per share of $37.06. An additional 197,033 shares remain eligible for purchase under the 2021 Repurchase Plan. The book value per share and tangible book value per share of the Company’s common stock was $38.27 and $27.66, respectively, at September 30, 2022.
4
    
Non-GAAP Reconciliation

This news release contains financial information determined by methods other than in accordance with generally accepted accounting principles (“GAAP”). The Company's management uses this non-GAAP financial information in its analysis of the Company's performance. In this news release, information is included which excludes intangible assets, PPP loans and certain acquisition related metrics. Management believes the presentation of this non-GAAP financial information provides useful information that is helpful to a full understanding of the Company’s financial position and operating results. This non-GAAP financial information should not be viewed as a substitute for financial information determined in accordance with GAAP, nor is it necessarily comparable to non-GAAP financial information presented by other companies. A reconciliation on non-GAAP information included herein to GAAP is presented below.



Quarter Ended
(dollars in thousands, except per share data)9/30/20226/30/20229/30/2021
Reported net income$10,434 $8,461 $15,059 
Add: Core deposit intangible amortization, net tax358 359 230 
Non-GAAP tangible income$10,792 $8,820 $15,289 
Reported loan income$29,859 $27,304 $27,045 
Less: PPP loan income132 402 4,742 
Loan income excluding PPP loan income$29,727 $26,902 $22,303 
Loan yield5.17 %4.94 %5.60 %
(Positive) negative impact of PPP loans— (0.03)(0.60)
Loan yield excluding PPP loans5.17 %4.91 %5.00 %
Net interest margin4.11 %3.76 %4.16 %
(Positive) negative impact of PPP loans— (0.03)(0.52)
Net interest margin excluding PPP loans4.11 %3.73 %3.64 %




Total assets$3,167,666 $3,362,216 $2,763,466 
Less: Intangible assets87,839 88,309 62,229 
Non-GAAP tangible assets$3,079,827 $3,273,907 $2,701,237 




Total shareholders’ equity$316,656 $329,124 $344,149 
Less: Intangible assets87,839 88,309 62,229 
Non-GAAP tangible shareholders’ equity$228,817 $240,815 $281,920 
Total loans$2,303,279 $2,224,655 $1,875,176 
Less: PPP loans7,094 12,083 95,560 
Organic loan portfolio$2,296,185 $2,212,572 $1,779,616 
Reported net income$10,434 $8,461 $15,059 
Add: Provision (reversal) for loan losses1,696 591 (2,385)
Add: Provision for credit losses on unfunded commitments146 — — 
Add: Income tax expense2,598 2,110 3,412 
Pre-tax, pre-provision income$14,874 $11,162 $16,086 
Less: PPP income132 402 4,742 
Pre-tax, pre-provision, pre- PPP income$14,742 $10,760 $11,344 
5
    

Quarter Ended
(dollars in thousands, except per share data)9/30/20226/30/20229/30/2021
Allowance for loan losses to total loans1.19 %1.17 %1.29 %
Less: PPP loans— 0.01 0.07 
Non-GAAP allowance for loan losses to total loans1.19 %1.18 %1.36 %




Return on average equity12.35 %10.20 %17.46 %
Add: Average intangible assets4.99 4.23 4.22 
Non-GAAP return on average tangible common equity17.34 %14.43 %21.68 %




Common equity ratio10.00 %9.79 %12.45 %
Less: Intangible assets2.57 2.43 2.01 
Non-GAAP tangible common equity ratio7.43 %7.36 %10.44 %




Book value per share$38.27 $39.44 $40.38 
Less: Intangible assets10.61 10.58 7.30 
Non-GAAP tangible book value per share$27.66 $28.86 $33.08 

This news release contains certain forward-looking statements. Forward-looking statements can be identified by the fact that they do not relate strictly to historical or current facts. They often include the words “believe,” “expect,” “anticipate,” “intend,” “plan,” “estimate” or words of similar meaning, or future or conditional verbs such as “will,” “would,” “should,” “could” or “may.”

Forward-looking statements, by their nature, are subject to risks and uncertainties. A number of factors - many of which are beyond our control - could cause actual conditions, events or results to differ significantly from those described in the forward-looking statements. Home Bancorp’s Annual Report on Form 10-K for the year ended December 31, 2021 describes some of these factors, including risk elements in the loan portfolio, the level of the allowance for credit losses, the impact of the COVID-19 pandemic, risks of our growth strategy, geographic concentration of our business, dependence on our management team, risks of market rates of interest and of regulation on our business and risks of competition. Forward-looking statements speak only as of the date they are made. We do not undertake to update forward-looking statements to reflect circumstances or events that occur after the date the forward-looking statements are made or to reflect the occurrence of unanticipated events.
6
    
HOME BANCORP, INC. AND SUBSIDIARY
CONDENSED STATEMENTS OF FINANCIAL CONDITION
(Unaudited)
(dollars in thousands)9/30/20226/30/2022% Change9/30/2021
Assets
Cash and cash equivalents$150,556 $444,151 (66)%$413,694 
Interest-bearing deposits in banks349 349 — 349 
Investment securities available for sale, at fair value492,758 480,007 3 304,125 
Investment securities held to maturity1,080 2,086 (48)2,110 
Mortgage loans held for sale169 1,444 (88)3,476 
Loans, net of unearned income2,303,279 2,224,655 4 1,875,176 
Allowance for loan losses(27,351)(26,020)5 (24,149)
Total loans, net of allowance for loan losses2,275,928 2,198,635 4 1,851,027 
Office properties and equipment, net43,685 43,979 (1)44,331 
Cash surrender value of bank-owned life insurance46,019 40,788 13 40,142 
Goodwill and core deposit intangibles87,839 88,309 (1)62,229 
Accrued interest receivable and other assets69,283 62,468 11 41,983 
Total Assets$3,167,666 $3,362,216 (6)$2,763,466 
Liabilities
Deposits$2,738,424 $2,920,376 (6)%$2,365,717 
Other Borrowings5,539 5,539 — 5,539 
Subordinated debt, net of issuance cost53,958 53,926 — — 
Federal Home Loan Bank advances24,816 25,307 (2)26,430 
Accrued interest payable and other liabilities28,273 27,944 1 21,631 
Total Liabilities2,851,010 3,033,092 (6)2,419,317 
Shareholders' Equity
Common stock83 84 (1)%85 
Additional paid-in capital164,024 164,177 — 164,316 
Common stock acquired by benefit plans(2,150)(2,240)4 (2,513)
Retained earnings197,553 191,114 3 180,327 
Accumulated other comprehensive (loss) income(42,854)(24,011)(78)1,934 
Total Shareholders' Equity316,656 329,124 (4)344,149 
Total Liabilities and Shareholders' Equity$3,167,666 $3,362,216 (6)$2,763,466 

7
    
HOME BANCORP, INC. AND SUBSIDIARY
CONDENSED STATEMENTS OF INCOME
(Unaudited)
Quarter Ended
(dollars in thousands, except per share data)9/30/20226/30/2022% Change9/30/2021% Change
Interest Income
Loans, including fees$29,859 $27,304 9 %$27,045 10 %
Investment securities2,958 2,338 27 1,189 149 
Other investments and deposits
1,447 863 68 189 666 
Total interest income34,264 30,505 12 28,423 21 
Interest Expense
Deposits1,270 1,103 15 %1,120 13 %
Other borrowings53 54 (2)53 — 
Subordinated debt expense859 — — — — 
Federal Home Loan Bank advances
105 107 (2)116 (9)
Total interest expense2,287 1,264 81 1,289 77 
Net interest income31,977 29,241 9 27,134 18 
Provision (reversal) for loan losses1,696 591 187 (2,385)171 
Net interest income after provision (reversal) for loan losses30,281 28,650 6 29,519 3 
Noninterest Income
Service fees and charges1,300 1,257 3 %1,260 3 %
Bank card fees1,623 1,636 (1)1,519 7 
Gain on sale of loans, net78 264 (70)415 (81)
Income from bank-owned life insurance
231 213 8 1,938 (88)
Gain (loss) on sale of assets, net18 (6)400 (3)700 
Other income224 322 (30)254 (12)
Total noninterest income3,474 3,686 (6)5,383 (35)
Noninterest Expense
Compensation and benefits12,128 12,583 (4)%9,809 24 %
Occupancy2,297 2,354 (2)1,717 34 
Marketing and advertising658 648 2 399 65 
Data processing and communication
2,284 2,533 (10)2,118 8 
Professional fees331 475 (30)234 41 
Forms, printing and supplies185 253 (27)158 17 
Franchise and shares tax633 391 62 360 76 
Regulatory fees467 698 (33)301 55 
Foreclosed assets, net101 (10)1110 74 36 
Amortization of acquisition intangible
453 454 — 291 56 
Provision for credit losses on unfunded commitments146 — — — — 
Other expenses1,040 1,386 (25)970 7 
Total noninterest expense20,723 21,765 (5)16,431 26 
Income before income tax expense
13,032 10,571 23 18,471 (29)
Income tax expense2,598 2,110 23 3,412 (24)
Net income$10,434 $8,461 23 $15,059 (31)
Earnings per share - basic$1.29 $1.04 24 %$1.80 (28)%
Earnings per share - diluted$1.28 $1.03 24 %$1.79 (28)%
Cash dividends declared per common share
$0.23 $0.23 — %$0.23 — %

8
    
HOME BANCORP, INC. AND SUBSIDIARY
SUMMARY FINANCIAL INFORMATION
(Unaudited)
Quarter Ended
(dollars in thousands, except per share data)9/30/20226/30/2022% Change9/30/2021% Change
EARNINGS DATA
Total interest income$34,264 $30,505 12 %$28,423 21 %
Total interest expense2,287 1,264 81 1,289 77 
Net interest income31,977 29,241 9 27,134 18 
(Reversal) provision for loan losses1,696 591 187 (2,385)171 
Total noninterest income3,474 3,686 (6)5,383 (35)
Total noninterest expense20,723 21,765 (5)16,431 26 
Income tax expense2,598 2,110 23 3,412 (24)
Net income$10,434 $8,461 23 $15,059 (31)
AVERAGE BALANCE SHEET DATA
Total assets$3,265,907 $3,295,196 (1)%$2,756,353 18 %
Total interest-earning assets3,060,273 3,088,839 (1)2,563,981 19 
Total loans2,265,846 2,190,721 3 1,896,808 19 
PPP loans9,431 15,463 (39)144,626 (93)
Total interest-bearing deposits1,894,275 1,990,485 (5)1,645,047 15 
Total interest-bearing liabilities1,978,734 2,022,479 (2)1,677,597 18 
Total deposits2,818,318 2,906,568 (3)2,358,086 20 
Total shareholders' equity335,053 332,640 1 342,189 (2)
PER SHARE DATA
Earnings per share - basic$1.29 $1.04 24 %$1.80 (28)%
Earnings per share - diluted1.28 1.03 24 1.79 (28)
Book value at period end38.27 39.44 (3)40.38 (5)
Tangible book value at period end27.66 28.86 (4)33.08 (16)
Shares outstanding at period end8,273,334 8,344,095 (1)8,523,473 (3)
Weighted average shares outstanding
Basic8,089,246 8,129,340 — %8,354,176 (3)%
Diluted8,138,307 8,185,595 (1)8,405,610 (3)
SELECTED RATIOS (1)
Return on average assets1.27 %1.03 %23 %2.17 %(41)%
Return on average equity12.35 10.20 21 17.46 (29)
Common equity ratio10.00 9.79 2 12.45 (20)
Efficiency ratio (2)
58.45 66.10 (12)50.53 16 
Average equity to average assets10.26 10.09 2 12.41 (17)
Tier 1 leverage capital ratio (3)
9.76 9.30 5 10.05 (3)
Total risk-based capital ratio (3)
13.50 13.74 (2)15.60 (13)
Net interest margin (4)
4.11 3.76 9 4.16 (1)
SELECTED NON-GAAP RATIOS (1)
Tangible common equity ratio (5)
7.43 %7.36 %1 %10.44 %(29)%
Return on average tangible common equity (6)
17.34 14.43 20 21.68 (20)

9
    
(1)With the exception of end-of-period ratios, all ratios are based on average daily balances during the respective periods.
(2)The efficiency ratio represents noninterest expense as a percentage of total revenues. Total revenues is the sum of net interest income and noninterest income.
(3)Capital ratios are preliminary end-of-period ratios for the Bank only and are subject to change.
(4)Net interest margin represents net interest income as a percentage of average interest-earning assets. Taxable equivalent yields are calculated using a marginal tax rate of 21%.
(5)Tangible common equity ratio is common shareholders' equity less intangible assets divided by total assets less intangible assets. See "Non-GAAP Reconciliation" for additional information.
(6)Return on average tangible common equity is net income plus amortization of core deposit intangible, net of taxes, divided by average common shareholders' equity less average intangible assets. See "Non-GAAP Reconciliation" for additional information.
10
    
HOME BANCORP, INC. AND SUBSIDIARY
SUMMARY CREDIT QUALITY INFORMATION
(Unaudited)
9/30/20226/30/20229/30/2021
(dollars in thousands)OriginatedAcquiredTotalOriginatedAcquiredTotalOriginatedAcquiredTotal
CREDIT QUALITY (1)
Nonaccrual loans(2)
$4,281 $12,799 $17,080 $5,332 $13,165 $18,497 $8,592 $5,896 $14,488 
Accruing loans 90 days or more past due3 — 3 8 — 8 13 — 13 
Total nonperforming loans4,284 12,799 17,083 5,340 13,165 18,505 8,605 5,896 14,501 
Foreclosed assets and ORE14 376 390 — 277 277 772 259 1,031 
Total nonperforming assets4,298 13,175 17,473 5,340 13,442 18,782 9,377 6,155 15,532 
Performing troubled debt restructurings4,686 879 5,565 3,939 1,063 5,002 3,961 1,085 5,046 
Total nonperforming assets and troubled debt restructurings$8,984 $14,054 $23,038 $9,279 $14,505 $23,784 $13,338 $7,240 $20,578 
Nonperforming assets to total assets0.55 %0.56 %0.56 %
Nonperforming loans to total assets 0.54 0.55 0.52 
Nonperforming loans to total loans 0.74 0.83 0.77 
(1)It is our policy to cease accruing interest on loans 90 days or more past due, with certain limited exceptions. Nonperforming assets consist of nonperforming loans, foreclosed assets and surplus real estate (ORE). Foreclosed assets consist of assets acquired through foreclosure or acceptance of title in-lieu of foreclosure. ORE consists of closed or unused bank buildings.
(2)Nonaccrual loans include originated restructured loans placed on nonaccrual totaling $3.3 million, $5.3 million and $4.1 million at September 30, 2022, June 30, 2022 and September 30, 2021, respectively. Acquired restructured loans placed on nonaccrual totaled $3.2 million, $2.8 million and $3.5 million at September 30, 2022, June 30, 2022 and September 30, 2021, respectively.

11
    
HOME BANCORP, INC. AND SUBSIDIARY
SUMMARY CREDIT QUALITY INFORMATION - CONTINUED
(Unaudited)
9/30/20226/30/20229/30/2021
Collectively EvaluatedIndividually EvaluatedTotalCollectively EvaluatedIndividually EvaluatedTotalCollectively EvaluatedIndividually EvaluatedTotal
ALLOWANCE FOR CREDIT LOSSES
One- to four-family first mortgage$2,293 $32 $2,325 $2,158 $— $2,158 $2,145 $— $2,145 
Home equity loans and lines500 — 500 491 — 491 521 — 521 
Commercial real estate12,504 1,193 13,697 12,068 1,193 13,261 12,872 455 13,327 
Construction and land4,973 — 4,973 4,689 — 4,689 3,628 — 3,628 
Multi-family residential498 — 498 526 — 526 627 — 627 
Commercial and industrial4,523 188 4,711 3,654 591 4,245 2,815 435 3,250 
Consumer647 — 647 650 — 650 651 — 651 
Total allowance for credit losses$25,938 $1,413 $27,351 $24,236 $1,784 $26,020 $23,259 $890 $24,149 
Unfunded lending commitments(3)
2,263 — 2,263 2,117 — 2,117 1,800 — 1,800 
Total allowance for credit losses$28,201 $1,413 $29,614 $26,353 $1,784 $28,137 $25,059 $890 $25,949 
Allowance for loan losses to nonperforming assets156.53 %138.54 %155.48 %
Allowance for loan losses to nonperforming loans160.11 %140.61 %166.53 %
Allowance for loan losses to total loans1.19 %1.17 %1.29 %
Allowance for credit losses to total loans1.29 %1.26 %1.38 %
Year-to-date loan charge-offs$1,260 $844 $1,807 
Year-to-date loan recoveries605 554 506 
Year-to-date net loan charge-offs$655 $290 $1,301 
Annualized YTD net loan charge-offs to average loans0.04 %0.03 %0.09 %
(3)The allowance for unfunded lending commitments is recorded within accrued interest payable and other liabilities on the Consolidated Statements of Financial Condition.
12
 EX-101.SCH 3 hbcp-20221018.xsd XBRL TAXONOMY EXTENSION SCHEMA DOCUMENT 0001001 - Document - Cover link:presentationLink link:calculationLink link:definitionLink EX-101.LAB 4 hbcp-20221018_lab.xml XBRL TAXONOMY EXTENSION LABEL LINKBASE DOCUMENT Pre-commencement Tender Offer Pre-commencement Tender Offer Amendment Flag Amendment Flag Entity Address, State or Province Entity Address, State or Province Entity Tax Identification Number Entity Tax Identification Number Title of 12(b) Security Title of 12(b) Security Entity File Number Entity File Number Written Communications Written Communications Pre-commencement Issuer Tender Offer Pre-commencement Issuer Tender Offer Entity Emerging Growth Company Entity Emerging Growth Company Trading Symbol Trading Symbol Document Period End Date Document Period End Date Soliciting Material Soliciting Material Document Type Document Type City Area Code City Area Code Entity Incorporation, State or Country Code Entity Incorporation, State or Country Code Entity Address, Address Line One Entity Address, Address Line One Entity Registrant Name Entity Registrant Name Local Phone Number Local Phone Number Entity Address, City or Town Entity Address, City or Town Cover [Abstract] Entity Address, Postal Zip Code Entity Address, Postal Zip Code Entity Central Index Key Entity Central Index Key Security Exchange Name Security Exchange Name EX-101.PRE 5 hbcp-20221018_pre.xml XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE DOCUMENT GRAPHIC 6 homebancorp.jpg begin 644 homebancorp.jpg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end XML 7 R1.htm IDEA: XBRL DOCUMENT v3.22.2.2
Cover
Oct. 18, 2022
Cover [Abstract]  
Document Type 8-K
Document Period End Date Oct. 18, 2022
Entity Registrant Name Home Bancorp, Inc.
Entity Incorporation, State or Country Code LA
Entity File Number 001-34190
Entity Tax Identification Number 71-1051785
Entity Address, Address Line One 503 Kaliste Saloom Road
Entity Address, City or Town Lafayette
Entity Address, State or Province LA
Entity Address, Postal Zip Code 70508
City Area Code 337
Local Phone Number 237-1960
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Title of 12(b) Security Common Stock
Trading Symbol HBCP
Security Exchange Name NASDAQ
Entity Emerging Growth Company false
Entity Central Index Key 0001436425
Amendment Flag false
XML 8 hbcp-20221018_htm.xml IDEA: XBRL DOCUMENT 0001436425 2022-10-18 2022-10-18 503 Kaliste Saloom Road Lafayette LA 337 237-1960 2022-10-18 0001436425 false 8-K Home Bancorp, Inc. LA 001-34190 71-1051785 503 Kaliste Saloom Road Lafayette LA 70508 337 237-1960 false false false false Common Stock HBCP NASDAQ false EXCEL 9 Financial_Report.xlsx IDEA: XBRL DOCUMENT begin 644 Financial_Report.xlsx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end XML 10 Show.js IDEA: XBRL DOCUMENT // Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission. Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105. var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0); e.removeAttribute('id');a.parentNode.appendChild(e)}} if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'} e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}} XML 11 report.css IDEA: XBRL DOCUMENT /* Updated 2009-11-04 */ /* v2.2.0.24 */ /* DefRef Styles */ ..report table.authRefData{ background-color: #def; border: 2px solid #2F4497; font-size: 1em; position: absolute; } ..report table.authRefData a { display: block; font-weight: bold; } ..report table.authRefData p { margin-top: 0px; } ..report table.authRefData .hide { background-color: #2F4497; padding: 1px 3px 0px 0px; text-align: right; } ..report table.authRefData .hide a:hover { background-color: #2F4497; } ..report table.authRefData .body { height: 150px; overflow: auto; width: 400px; } ..report table.authRefData table{ font-size: 1em; } /* Report Styles */ ..pl a, .pl a:visited { color: black; text-decoration: none; } /* table */ ..report { background-color: white; border: 2px solid #acf; clear: both; color: black; font: normal 8pt Helvetica, Arial, san-serif; margin-bottom: 2em; } ..report hr { border: 1px solid #acf; } /* Top labels */ ..report th { background-color: #acf; color: black; font-weight: bold; text-align: center; } ..report th.void { background-color: transparent; color: #000000; font: bold 10pt Helvetica, Arial, san-serif; text-align: left; } ..report .pl { text-align: left; vertical-align: top; white-space: normal; width: 200px; white-space: normal; /* word-wrap: break-word; */ } ..report td.pl a.a { cursor: pointer; display: block; width: 200px; overflow: hidden; } ..report td.pl div.a { width: 200px; } ..report td.pl a:hover { background-color: #ffc; } /* Header rows... */ ..report tr.rh { background-color: #acf; color: black; font-weight: bold; } /* Calendars... */ ..report .rc { background-color: #f0f0f0; } /* Even rows... */ ..report .re, .report .reu { background-color: #def; } ..report .reu td { border-bottom: 1px solid black; } /* Odd rows... */ ..report .ro, .report .rou { background-color: white; } ..report .rou td { border-bottom: 1px solid black; } ..report .rou table td, .report .reu table td { border-bottom: 0px solid black; } /* styles for footnote marker */ ..report .fn { white-space: nowrap; } /* styles for numeric types */ ..report .num, .report .nump { text-align: right; white-space: nowrap; } ..report .nump { padding-left: 2em; } ..report .nump { padding: 0px 0.4em 0px 2em; } /* styles for text types */ ..report .text { text-align: left; white-space: normal; } ..report .text .big { margin-bottom: 1em; width: 17em; } ..report .text .more { display: none; } ..report .text .note { font-style: italic; font-weight: bold; } ..report .text .small { width: 10em; } ..report sup { font-style: italic; } ..report .outerFootnotes { font-size: 1em; } XML 12 FilingSummary.xml IDEA: XBRL DOCUMENT 3.22.2.2 html 1 22 1 false 0 0 false 0 false false R1.htm 0001001 - Document - Cover Sheet http://www.home24bank.com/role/Cover Cover Cover 1 false false All Reports Book All Reports [ix-0514-Hidden-Fact-Eligible-For-Transform] WARN: 6 fact(s) appearing in ix:hidden were eligible for transformation: dei:CityAreaCode, dei:DocumentPeriodEndDate, dei:EntityAddressAddressLine1, dei:EntityAddressCityOrTown, dei:EntityAddressStateOrProvince, dei:LocalPhoneNumber - hbcp-20221018.htm 4 hbcp-20221018.htm a2022q3earningsrelease.htm hbcp-20221018.xsd hbcp-20221018_lab.xml hbcp-20221018_pre.xml http://xbrl.sec.gov/dei/2021 true false JSON 15 MetaLinks.json IDEA: XBRL DOCUMENT { "instance": { "hbcp-20221018.htm": { "axisCustom": 0, "axisStandard": 0, "contextCount": 1, "dts": { "inline": { "local": [ "hbcp-20221018.htm" ] }, "labelLink": { "local": [ "hbcp-20221018_lab.xml" ] }, "presentationLink": { "local": [ "hbcp-20221018_pre.xml" ] }, "schema": { "local": [ "hbcp-20221018.xsd" ], "remote": [ "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd", "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd", "http://www.xbrl.org/2003/xl-2003-12-31.xsd", "http://www.xbrl.org/2003/xlink-2003-12-31.xsd", "http://www.xbrl.org/2005/xbrldt-2005.xsd", "http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd", "http://www.xbrl.org/lrr/role/net-2009-12-16.xsd", "https://www.xbrl.org/dtr/type/2020-01-21/types.xsd", "https://xbrl.sec.gov/dei/2021/dei-2021.xsd" ] } }, "elementCount": 23, "entityCount": 1, "hidden": { "http://xbrl.sec.gov/dei/2021": 8, "total": 8 }, "keyCustom": 0, "keyStandard": 22, "memberCustom": 0, "memberStandard": 0, "nsprefix": "hbcp", "nsuri": "http://www.home24bank.com/20221018", "report": { "R1": { "firstAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "hbcp-20221018.htm", "contextRef": "i03c2ba7053c6466ba5d3c8b1b96e779a_D20221018-20221018", "decimals": null, "first": true, "lang": "en-US", "name": "dei:DocumentType", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "document", "isDefault": "true", "longName": "0001001 - Document - Cover", "role": "http://www.home24bank.com/role/Cover", "shortName": "Cover", "subGroupType": "", "uniqueAnchor": { "ancestors": [ "span", "div", "body", "html" ], "baseRef": "hbcp-20221018.htm", "contextRef": "i03c2ba7053c6466ba5d3c8b1b96e779a_D20221018-20221018", "decimals": null, "first": true, "lang": "en-US", "name": "dei:DocumentType", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } } }, "segmentCount": 0, "tag": { "dei_AmendmentFlag": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.", "label": "Amendment Flag", "terseLabel": "Amendment Flag" } } }, "localname": "AmendmentFlag", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.home24bank.com/role/Cover" ], "xbrltype": "booleanItemType" }, "dei_CityAreaCode": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Area code of city", "label": "City Area Code", "terseLabel": "City Area Code" } } }, "localname": "CityAreaCode", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.home24bank.com/role/Cover" ], "xbrltype": "normalizedStringItemType" }, "dei_CoverAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Cover page.", "label": "Cover [Abstract]" } } }, "localname": "CoverAbstract", "nsuri": "http://xbrl.sec.gov/dei/2021", "xbrltype": "stringItemType" }, "dei_DocumentPeriodEndDate": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.", "label": "Document Period End Date", "terseLabel": "Document Period End Date" } } }, "localname": "DocumentPeriodEndDate", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.home24bank.com/role/Cover" ], "xbrltype": "dateItemType" }, "dei_DocumentType": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.", "label": "Document Type", "terseLabel": "Document Type" } } }, "localname": "DocumentType", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.home24bank.com/role/Cover" ], "xbrltype": "submissionTypeItemType" }, "dei_EntityAddressAddressLine1": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Address Line 1 such as Attn, Building Name, Street Name", "label": "Entity Address, Address Line One", "terseLabel": "Entity Address, Address Line One" } } }, "localname": "EntityAddressAddressLine1", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.home24bank.com/role/Cover" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityAddressCityOrTown": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Name of the City or Town", "label": "Entity Address, City or Town", "terseLabel": "Entity Address, City or Town" } } }, "localname": "EntityAddressCityOrTown", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.home24bank.com/role/Cover" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityAddressPostalZipCode": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Code for the postal or zip code", "label": "Entity Address, Postal Zip Code", "terseLabel": "Entity Address, Postal Zip Code" } } }, "localname": "EntityAddressPostalZipCode", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.home24bank.com/role/Cover" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityAddressStateOrProvince": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Name of the state or province.", "label": "Entity Address, State or Province", "terseLabel": "Entity Address, State or Province" } } }, "localname": "EntityAddressStateOrProvince", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.home24bank.com/role/Cover" ], "xbrltype": "stateOrProvinceItemType" }, "dei_EntityCentralIndexKey": { "auth_ref": [ "r5" ], "lang": { "en-us": { "role": { "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.", "label": "Entity Central Index Key", "terseLabel": "Entity Central Index Key" } } }, "localname": "EntityCentralIndexKey", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.home24bank.com/role/Cover" ], "xbrltype": "centralIndexKeyItemType" }, "dei_EntityEmergingGrowthCompany": { "auth_ref": [ "r5" ], "lang": { "en-us": { "role": { "documentation": "Indicate if registrant meets the emerging growth company criteria.", "label": "Entity Emerging Growth Company", "terseLabel": "Entity Emerging Growth Company" } } }, "localname": "EntityEmergingGrowthCompany", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.home24bank.com/role/Cover" ], "xbrltype": "booleanItemType" }, "dei_EntityFileNumber": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.", "label": "Entity File Number", "terseLabel": "Entity File Number" } } }, "localname": "EntityFileNumber", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.home24bank.com/role/Cover" ], "xbrltype": "fileNumberItemType" }, "dei_EntityIncorporationStateCountryCode": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Two-character EDGAR code representing the state or country of incorporation.", "label": "Entity Incorporation, State or Country Code", "terseLabel": "Entity Incorporation, State or Country Code" } } }, "localname": "EntityIncorporationStateCountryCode", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.home24bank.com/role/Cover" ], "xbrltype": "edgarStateCountryItemType" }, "dei_EntityRegistrantName": { "auth_ref": [ "r5" ], "lang": { "en-us": { "role": { "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.", "label": "Entity Registrant Name", "terseLabel": "Entity Registrant Name" } } }, "localname": "EntityRegistrantName", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.home24bank.com/role/Cover" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityTaxIdentificationNumber": { "auth_ref": [ "r5" ], "lang": { "en-us": { "role": { "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.", "label": "Entity Tax Identification Number", "terseLabel": "Entity Tax Identification Number" } } }, "localname": "EntityTaxIdentificationNumber", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.home24bank.com/role/Cover" ], "xbrltype": "employerIdItemType" }, "dei_LocalPhoneNumber": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Local phone number for entity.", "label": "Local Phone Number", "terseLabel": "Local Phone Number" } } }, "localname": "LocalPhoneNumber", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.home24bank.com/role/Cover" ], "xbrltype": "normalizedStringItemType" }, "dei_PreCommencementIssuerTenderOffer": { "auth_ref": [ "r2" ], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.", "label": "Pre-commencement Issuer Tender Offer", "terseLabel": "Pre-commencement Issuer Tender Offer" } } }, "localname": "PreCommencementIssuerTenderOffer", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.home24bank.com/role/Cover" ], "xbrltype": "booleanItemType" }, "dei_PreCommencementTenderOffer": { "auth_ref": [ "r3" ], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.", "label": "Pre-commencement Tender Offer", "terseLabel": "Pre-commencement Tender Offer" } } }, "localname": "PreCommencementTenderOffer", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.home24bank.com/role/Cover" ], "xbrltype": "booleanItemType" }, "dei_Security12bTitle": { "auth_ref": [ "r0" ], "lang": { "en-us": { "role": { "documentation": "Title of a 12(b) registered security.", "label": "Title of 12(b) Security", "terseLabel": "Title of 12(b) Security" } } }, "localname": "Security12bTitle", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.home24bank.com/role/Cover" ], "xbrltype": "securityTitleItemType" }, "dei_SecurityExchangeName": { "auth_ref": [ "r1" ], "lang": { "en-us": { "role": { "documentation": "Name of the Exchange on which a security is registered.", "label": "Security Exchange Name", "terseLabel": "Security Exchange Name" } } }, "localname": "SecurityExchangeName", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.home24bank.com/role/Cover" ], "xbrltype": "edgarExchangeCodeItemType" }, "dei_SolicitingMaterial": { "auth_ref": [ "r4" ], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.", "label": "Soliciting Material", "terseLabel": "Soliciting Material" } } }, "localname": "SolicitingMaterial", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.home24bank.com/role/Cover" ], "xbrltype": "booleanItemType" }, "dei_TradingSymbol": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Trading symbol of an instrument as listed on an exchange.", "label": "Trading Symbol", "terseLabel": "Trading Symbol" } } }, "localname": "TradingSymbol", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.home24bank.com/role/Cover" ], "xbrltype": "tradingSymbolItemType" }, "dei_WrittenCommunications": { "auth_ref": [ "r6" ], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.", "label": "Written Communications", "terseLabel": "Written Communications" } } }, "localname": "WrittenCommunications", "nsuri": "http://xbrl.sec.gov/dei/2021", "presentation": [ "http://www.home24bank.com/role/Cover" ], "xbrltype": "booleanItemType" } }, "unitCount": 0 } }, "std_ref": { "r0": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "12", "Subsection": "b" }, "r1": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "12", "Subsection": "d1-1" }, "r2": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "13e", "Subsection": "4c" }, "r3": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "14d", "Subsection": "2b" }, "r4": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "14a", "Subsection": "12" }, "r5": { "Name": "Regulation 12B", "Number": "240", "Publisher": "SEC", "Section": "12", "Subsection": "b-2" }, "r6": { "Name": "Securities Act", "Number": "230", "Publisher": "SEC", "Section": "425" } }, "version": "2.1" } ZIP 16 0001436425-22-000066-xbrl.zip IDEA: XBRL DOCUMENT begin 644 0001436425-22-000066-xbrl.zip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