🧾 What This Document Is

This is a Definitive Proxy Statement (DEF 14A). It's the official invitation and information packet for Home Bancorp's annual shareholder meeting. Think of it as the company's annual "state of the union" for its owners (shareholders), where they vote on key issues and review how the company is run.

• Meeting Date: Tuesday, May 12, 2026, at 10:00 a.m. CDT.
• Location: The Petroleum Club of Lafayette, Louisiana.
• Record Date: Shareholders as of March 23, 2026, can vote. 👉 You can vote online, by phone, or by mail. Your vote matters even if you can't attend!

🏢 What The Company Does

In simple terms, Home Bancorp, Inc. (HBCP) is the parent company of Home Bank, N.A., a regional bank based in Lafayette, Louisiana. They provide traditional banking services like taking deposits and making loans to individuals and businesses in their local communities.

🗳️ What Shareholders Are Voting On

There are three main proposals for this year's meeting. The Board recommends voting FOR all of them.

1. Elect Directors: Vote for one director for a 2-year term and two for 3-year terms. The nominees are Daniel G. Guidry, Paul J. Blanchet, III, and Chris P. Rader.
2. "Say on Pay": A non-binding vote to approve the compensation of the top executives.
3. Ratify Auditors: Approve Wipfli LLP as the independent accounting firm for 2026.

👥 Board & Management

The company has a staggered board with three classes of directors. Here are the key people nominated or continuing their service:

Nominees for Election:

• Daniel G. Guidry (73): Retired attorney.
• Paul J. Blanchet, III (71): Retired CPA and audit partner.
• Chris P. Rader (58): CEO of an IT company.

Other Continuing Directors & Officers:

• John W. Bordelon (70): Chairman, President, and CEO. He's led the bank since 1993.
• Executive Team: Includes Darren E. Guidry (Chief Risk Officer), David T. Kirkley (CFO), and others listed in the filing.

Board Committees: The work is divided among the Audit, Compensation, and Nominating Committees, all made up of independent directors.

💰 Executive Compensation

This is the core of the "Say on Pay" vote. The plan is designed to be competitive and tie pay to performance.

Philosophy: Attract and retain talent with a mix of cash and stock, targeting about 25% of total compensation in long-term stock to align executives with shareholders.

How Pay Works:

• Base Salary: Reviewed annually. Increased for top executives in April 2025 from 6.2% to 15.8%.
• Annual Bonus: Cash bonus based on hitting specific company goals. For 2025, CEO John Bordelon received a $485,000 bonus, and other top executives received between $104,500 and $117,000.
• Long-Term Incentives: Awards of Restricted Stock Units (RSUs) that vest over five years to encourage long-term thinking.

Pay-for-Performance Link: The filing includes a required table showing the relationship between executive pay and company performance over five years. 👉 The key metrics used to determine bonuses are Return on Assets (ROA), Efficiency Ratio, and Earnings Per Share (EPS). For example, the 2025 ROA was 1.33%.

⚖️ Big Picture: Strengths & Risks

👍 Strengths:

• Strong Local Leadership: Long-tenured CEO and board with deep community ties.
• Clear Governance: Established committees and insider trading policies.
• Aligned Interests: Stock ownership guidelines for directors and the CEO.

⚠️ Risks & Considerations:

• Concentrated Leadership: The CEO is also the Chairman of the Board. The Board believes this creates unity but it reduces independent oversight.
• Regional Focus: As a local bank, its fortunes are tied to the Louisiana economy.
• "Rubber Stamp" Risk: Shareholders must decide if the executive pay truly reflects performance.

📇 Key Contacts & People

Board & Executive Contacts:

• John W. Bordelon: Chairman, President & CEO
• Daniel G. Guidry: Corporate Secretary, Director
• David T. Kirkley: Senior Executive VP & CFO
• Darren E. Guidry: Senior Executive VP & Chief Risk Officer

For Proxy & Voting Assistance:

• Computershare (Transfer Agent)
• Phone: 1-800-368-5948
• Email: [email protected]
• Mailing Address: Computershare, Investor Services, 150 Royall Street, Suite 101, Canton, MA 02021

Company Address: Home Bancorp, Inc. 503 Kaliste Saloom Road Lafayette, Louisiana 70508 (337) 237-1960

Websites for Materials:

• www.envisionreports.com/HBCP
• www.home24bank.com (under "Investor Relations")

🧠 The Analogy

Reading this proxy is like reviewing the charter and captain's report for a ship (Home Bancorp) before its annual shareholders' meeting. You get to see who's steering the ship (the board), how the crew is being paid (executive compensation), and what route they plan to take (strategy). Your vote is your chance to approve the map or signal concerns.

🧩 Final Takeaway

This document is your guide as a shareholder to understanding who runs Home Bancorp, how they are paid, and how you can have a say. The main takeaways are the director elections, the approval of the company's pay-for-performance model, and the confirmation of its auditors.