HBCP — what changed in the latest 10-Q
A section-by-section comparison of HBCP's newest periodic SEC filing (10-K/10-Q) against the prior same-form filing: paragraphs added and removed per section, with verbatim excerpts. Purely a deterministic text diff — no similarity scores, no directional read, not investment advice.
Comparing 10-Q · 2026-08-03 vs the prior 10-Q · 2026-05-06
| Section | Outcome | Added | Removed | Minor | Unchanged |
|---|---|---|---|---|---|
| MD&A | Text added/removed | +30 | −26 | ~24 | 23 |
| Market risk (Item 3) | Text added/removed | 0 | 0 | ~1 | 0 |
| Controls & procedures | Text added/removed | 0 | 0 | ~1 | 1 |
| Risk factors | No material changes reported (points to the 10-K) | — | — | — | — |
| Other information | Text added/removed | 0 | 0 | ~1 | 0 |
Counts are paragraphs; added/removed means text added or removed vs the prior filing — no direction or judgement implied.
Not shown (absent or not faithfully extractable): Legal proceedings
Representative excerpts
Up to 5 excerpts of about 300 characters per section, quoted verbatim from the two SEC filings.
MD&A
Text added vs the prior filing · source: 10-Q · 2026-08-03
The Company reported net income for the second quarter of 2026 of $11.6 million, or $1.48 diluted EPS, up $285,000, or 2.5%, compared to the second quarter of 2025. Net income for the second quarter of 2025 totaled $11.3 million, or $1.45 diluted EPS. For the six months ended June 30, 2026, the Comp…
•During the three and six months ended June 30, 2026, the Company provisioned $762,000 and $1,684,000, respectively, to the ALL, primarily due to loan growth and net charge-offs. During the three and six months ended June 30, 2025, the Company provisioned $489,000 and $883,000, respectively, to the …
•The average rate paid on total interest-bearing deposits was 2.28% and 2.29% for the three and six months ended June 30, 2026, respectively, down 24 bps and 23 bps from the three and six months ended June 30, 2025.
•Total interest expense was $13.4 million and $26.7 million for the three and six months ended June 30, 2026, respectively, down $1.9 million, or 12.2% and down $4.1 million, or 13.2% from the three and six months ended June 30, 2025.
•Noninterest income for the second quarter of 2026 was $3.9 million, up $203,000, or 5.5%, compared to the second quarter of 2025, primarily due to increases in gain on sale of loans (up $115,000), service fees and charges (up $62,000), and other income (up $50,000), which were partially offset by a…
Text removed vs the prior filing · source: 10-Q · 2026-05-06
The Company reported net income for the first quarter of 2026 of $11.4 million, or $1.45 diluted EPS, up $396,000, or 3.6%, compared to the first quarter of 2025. Net income for the first quarter of 2025 totaled $11.0 million, or $1.37 diluted EPS.
•During the three months ended March 31, 2026, the Company provisioned $922,000 to the allowance for loan losses, primarily due an increase in individually impaired loan reserves, partially offset by loan reduction. During the three months ended March 31, 2025, the Company provisioned $394,000 to th…
•The average rate paid on total interest-bearing deposits was 2.29% for the first quarter of 2026, which was down 22 bps from the first quarter of 2025.
•Total interest expense for the first quarter of 2026 was $13.3 million, down $2.2 million, or 14.2%, compared to the first quarter of 2025, primarily due to a decrease in FHLB borrowing interest.
•Noninterest income for the first quarter of 2026 was $3.7 million, down $271,000, or 6.8%, compared to the first quarter of 2025, primarily due to decreases in other income (down $266,000) and gain on sale of loans (down $147,000), which were partially offset by an increase in service fees and char…
How to read Risk Factors (Item 1A) in a 10-Q
A 10-Q risk-factor section usually takes one of three forms; this page classifies it as one of:
- Pointer — the filer states there have been no material changes and points back to the annual 10-K risk factors; there is no own risk text to compare this quarter.
- Partial update — the filer carves out specific updated risks ("except as set forth below"); the excerpts show exactly what is new this quarter.
- Restated in full — the quarter carries the complete risk-factor text. When the prior quarter was only a pointer there is no prior full text to diff against, so the page flags the section as restated instead.
This describes the filing structure only — it is never a judgement on whether risk went up or down.
Source: text-level diff of the two SEC EDGAR filings · deterministic (no AI-generated content) · for reference only · not investment advice