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 · 2026-11-04 vs the prior 10-Q · 2026-08-03
| Section | Outcome | Added | Removed | Minor | Unchanged |
|---|---|---|---|---|---|
| MD&A | Text added/removed | +28 | −23 | ~27 | 27 |
| 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 · 2026-11-04
environmental liability and severe weather, natural disasters, acts of war or terrorism or other external events. The Company undertakes no obligation to update these forward-looking statements to reflect events or circumstances that occur after the date on which such statements were made.
The Company reported net income for the third quarter of 2026 of $10.1 million, or $1.28 diluted EPS, down $2.3 million, or 18.3%, compared to the third quarter of 2025. Net income for the third quarter of 2025 totaled $12.4 million, or $1.59 diluted EPS. For the nine months ended September 30, 2026…
Key components of the Company’s performance during the three and nine months ended September 30, 2026 include:
•During the three and nine months ended September 30, 2026, the Company recorded provisions for credit losses of $1.0 million and $2.7 million, respectively. The provision for the three months ended September 30, 2026 was primarily attributable to increased reserves on individually analyzed loans, p…
•The ALL totaled $34.4 million, or 1.24% of total loans, at September 30, 2026 compared to $33.1 million, or 1.21% of total loans, at December 31, 2025. The ACL, which is comprised of the ALL plus the allowance for unfunded lending commitments, totaled $36.1 million, or 1.30% of total loans, at Sept…
Text removed 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…
Key components of the Company’s performance during the three and six months ended June 30, 2026 include:
•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 ALL totaled $34.0 million, or 1.22% of total loans, at June 30, 2026 compared to $33.1 million, or 1.21% of total loans, at December 31, 2025. The ACL, which is comprised of the ALL plus the allowance for unfunded lending commitments, totaled $35.6 million, or 1.28% of total loans, at June 30, …
•Nonperforming assets ("NPAs") increased $3.1 million, or 8.6%, from $36.1 million, or 1.03% of total assets, at December 31, 2025 to $39.2 million, or 1.09% of total assets, at June 30, 2026. The increase in NPAs during the six months ended June 30, 2026 was primarily attributable to multiple loan …
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