MEDIUMBuilt-inLoan_portfolio
43.4%
commercial real estate mortgage loans
“10-K Item 1A: 'As of December 31, 2025, commercial real estate mortgage loans comprised approximately 43.4% of our loan portfolio.'”
HBCP · Concentration risk · 10-K extracted
Home Bancorp (HBCP) concentration risks
Updated
The most significant concentration Home Bancorp discloses is commercial real estate mortgage loans at 43.4%, classified MEDIUM by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Home Bancorp’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 4 disclosed concentrations
HIGH0
MEDIUM2
LOW2
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
MEDIUMBuilt-inGeographic
south Louisiana, west Mississippi and Houston, Texas
“10-K Item 1A: 'Most of our loans are to individuals and businesses located in south Louisiana, west Mississippi and the Houston, Texas region.'”
LOWBuilt-inLoan_portfolio
12%
construction and land loans
“10-K Item 1A: 'the Bank's construction and land loans ... amounted to $329.2 million, or 12.0% of our loan portfolio'”
LOWOutside partyLoan_portfolio
2.4%
oil and gas industry loans
“10-K Item 1A: 'approximately $67.1 million, or 2.4% of the Company’s loan portfolio, at December 31, 2025 was comprised of loans to borrowers in the oil and gas industry'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06Home Bancorp's loan book carries a moderate, structural concentration: commercial real estate mortgage loans make up approximately 43.4% of the portfolio, with lending activity concentrated geographically in south Louisiana, west Mississippi and the Houston, Texas region. Construction and land loans add a smaller structural slice at 12%. Together these reflect the ordinary footprint of a community bank rather than an idiosyncratic bet — the exposures move with regional real estate cycles rather than a single counterparty's fortunes. The one dependency-type exposure, loans to oil and gas industry borrowers at 2.4%, is a small share tied to a specific sector's price cycle rather than the bank's core book. Netting these together, the portfolio's risk is dominated by regional commercial real estate and geographic concentration, both moderate in size and slow-moving; the oil and gas sliver is too small to swing the overall credit outlook on its own. None of the disclosed exposures rises to a scale that alone would move the verdict, but the commercial real estate and geographic overlap bear watching together, since a regional downturn would touch both simultaneously.
For the engine’s reasoning on HBCP’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| HBCP● | Home Bancorp, Inc. | 0 | 2 | 2 | 4 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.