Company: HBCP
Filing Date: 2025-06-23
Form Type: 11-K
Source: 0001436425-25-000026
Chunk: 3

Company: HOME BANCORP, INC.
Filing Date: 2025-06-23
Form: 11-K
Chunk 3
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"), the sponsor of the Plan and wholly-owned subsidiary of Home Bancorp, Inc. The Plan is subject to the applicable provisions of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”).

#### Contributions
Eligible participants may elect to contribute, on a pre-tax basis, up to 75% of their compensation, as defined in the Plan document, subject to certain limitations. Participants are also allowed to make rollover contributions from other qualified plans. The Plan provides for automatic enrollment contributions for eligible participants of 6% of their compensation, unless the eligible employee affirmatively elects otherwise. The deferral percentage is increased annually by 1% limited to 8% unless the eligible participant affirmatively elects otherwise.

The Bank may make a discretionary profit sharing contribution as determined each year. No profit sharing contributions were made for the year ended December 31, 2024. Effective January 1, 2017, the Plan was amended to make safe harbor matching contributions equal to 100% of employee deferral contributions that are not over 4% of compensation, plus 50% of the employee deferral contributions that are over 4% of compensation but are not over 6% of compensation. Participants age 50 or older may also make catch-up contributions up to limits specified under the Internal Revenue Code (“IRC”), but such contributions are not taken into account for purposes of determining the Bank’s safe harbor matching contribution.

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#### Vesting
Participants are immediately vested in their elective deferral and rollover contributions plus actual earnings thereon. Vesting in the employer’s safe harbor matching contributions is based on years of continuous service. A participant is 100% vested in safe harbor matching contributions after two years of credited service. Vesting in the employer’s matching, other than safe harbor matching contributions, and discretionary contribution portions of their accounts plus actual earnings thereon is based on years of continuous service. A participant is 100% vested after six years of credited service. Prior to death or retirement, participants vest in employer contributions and related earnings in accordance with the following schedule:

| Years of Service  |     | Vested Percent |
| Less than 2 years |     |            - % |
| 2 years           |     |             20 |
| 3 years           |     |             40 |
| 4 years           |     |             60 |
| 5 years           |     |             80 |
| 6 or more years