Company: HBCP
Filing Date: 2025-06-23
Form Type: 11-K
Source: 0001436425-25-000026
Chunk: 4

Company: HOME BANCORP, INC.
Filing Date: 2025-06-23
Form: 11-K
Chunk 4
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On the occurrence of death, disability, retirement or Plan termination, a participant becomes fully vested in employer contributions and related earnings.

#### Payment of Benefits
Participants may elect to receive their account value in the form of an annuity, a lump-sum distribution or, if eligible, in the form of an IRA rollover when they terminate employment or because of death, disability or retirement. Participants may also transfer their account balance to another tax deferred qualified plan. In accordance with the Plan provisions, hardship withdrawals and certain in-service distributions may be made by the Plan.

#### Participant Accounts
Individual accounts are maintained for each of the Plan’s participants to reflect the participant’s contributions, the Bank’s safe harbor matching contributions and allocations of the Plan’s investment income or losses and administrative expenses. Allocations are based on participant earnings or account balances, as defined. The benefit to which a participant is entitled is the benefit that can be provided from the participant’s vested account.

#### Forfeited Accounts
At December 31, 2024 and 2023, the Plan had forfeited nonvested accounts of $4,741 and $1,847, respectively. In 2024, administrative expenses of $25,435 were paid from forfeited nonvested accounts.

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#### Notes Receivable from Participants
Participants may borrow from their accounts in amounts ranging from a minimum of $1,000 to a maximum of 50% of the account balance, not to exceed $50,000. Loan maturities generally range from one to five years, but may extend up to ten years for the purchase of a primary residence. The loans are collateralized by the balance in the participant’s account. The outstanding loan balances carried an interest rate of 7.00% for both 2024 and 2023. Principal and interest are paid ratably through bi-weekly payroll deductions.

#### Investment Options
Under the provisions of the Plan, participating employees may direct contributions to various investment options, including mutual funds, pooled separate accounts and a common stock fund for Home Bancorp, Inc. The Home Bancorp, Inc. Stock Fund holds common stock of Home Bancorp, Inc. and uninvested cash to meet certain distributions and, on a short-term basis, pending investment in additional Home Bancorp, Inc. common stock. Participants have the ability to change investment elections and transfer funds among the various fund options on a daily basis.

#### 2.

#### Summary of Significant