Home Federal Bancorp of Louisiana (HFBL) SEC Filings

Home Federal Bancorp, Inc. of Louisiana (HFBL) reported net income of $1.911 million for the three months ended September 30, 2026, compared with $1.599 million a year earlier. Basic and diluted earnings per share were $0.64 and $0.62, versus $0.53 and $0.52. Net interest income was $5.904 million, compared with $5.261 million; net interest margin was 3.83%, versus 3.63%, and the average interest rate spread was 3.17%, versus 2.99%.

Higher net interest income and non-interest income were partly offset by a $275,000 provision for credit losses, compared with $43,000, and higher non-interest expense. Non-interest income included a $204,000 gain from a bulk sale of 44 rental properties. Total assets were $655.564 million at September 30, 2026, compared with $643.330 million at June 30, 2026; deposits were $574.923 million, compared with $577.292 million. Advances from the Federal Home Loan Bank of Dallas were $14.000 million at September 30, 2026, compared with none at June 30, 2026. Non-performing assets were $1.556 million, compared with $3.649 million at June 30, 2026.

Home Federal Bancorp, Inc. of Louisiana declared a quarterly cash dividend of $0.15 per share on its common stock. The company is the holding company for Home Federal Bank, which conducts business from ten full-service banking offices and its home office in northwest Louisiana.

Home Federal Bancorp, Inc. of Louisiana asks shareholders at its November 18, 2026 annual meeting to elect Mark M. Harrison and Timothy W. Wilhite for three-year terms ending in 2029 and ratify Carr, Riggs & Ingram, LLC as independent auditor for fiscal 2027. The board recommends voting for both proposals. There were 3,030,594 common shares issued and outstanding as of September 21, 2026, with one vote per share.

The proxy reports fiscal 2026 total compensation of $797,356 for Chairman, President and CEO James R. Barlow, $281,581 for CFO Bradley L. Ezernack and $265,390 for Chief Risk Officer Donna C. Lewis. Effective July 1, 2026, Barlow’s supplemental retirement agreement raised the remaining vesting schedule to 10% annually beginning in 2026; he will become fully vested in the ordinary course on December 31, 2030 if he remains employed through then. Fully vested benefits are $120,000 annually, paid in equal installments over 10 years.

Home Federal Bancorp, Inc. of Louisiana (HFBL) reports that Mary L. Jones, Senior Vice President Retail and Chief Operations Officer of Home Federal Bank, exercised options on October 15, 2025, for 14,000 common shares at an $11.50 exercise price. The report also lists 9,989 shares delivered or withheld for payment of exercise price or tax liability. A remaining direct option covers 14,000 common shares at an $11.86 exercise price and expires November 11, 2030. Separately reported holdings include 14,444.936 units in the 401(k) Plan pooled stock fund and 16,845 ESOP shares. The amendment corrects the transaction code, withheld-share count and ownership form as direct.

Home Federal Bancorp, Inc. of Louisiana (HFBL) reported fiscal 2026 net income of $6.174 million, compared with $3.888 million in fiscal 2025; diluted earnings per share were $2.02 versus $1.26. Net interest income was $21.789 million, compared with $18.671 million, and net cash provided by operating activities was $7.620 million versus $5.472 million. Total assets were $643.330 million at June 30, 2026, while deposits were $577.292 million and net loans were $475.491 million.

Loan originations totaled $193.386 million, and the net loan portfolio increased $14.601 million in fiscal 2026, following a $10.041 million decrease in fiscal 2025. Non-performing assets were $3.649 million, or 0.57% of total assets, compared with $3.305 million, or 0.54%, one year earlier. Home Federal Bank reported capital ratios of 13.11% for common equity tier 1 and tier 1, 14.20% for total capital, and 9.29% for leverage and tangible capital.

Home Federal Bancorp, Inc. of Louisiana Chairman, President & CEO James R. Barlow reported an issuer disposition of 2,483 shares of Common Stock at $23 per share on August 4, 2026, leaving 91,000 shares held directly, including 5,000 unvested awards under the 2025 Stock Incentive Plan and 86,000 shares held jointly with his spouse. He also reports additional indirect holdings through an IRA, spouse IRA, a 401(k) plan pooled stock fund and an ESOP, plus stock options on 12,000 shares at 15.1700 and 20,000 shares at 11.8600 per share.

Home Federal Bancorp, Inc. of Louisiana reported record results for the three months and year ended June 30, 2026. Quarterly net income rose to $1.428 million from $1.181 million, with basic EPS of $0.48 versus $0.39, as net interest income increased 15.5% and non-interest income grew 12.4%.

For the full year, net income increased to $6.174 million from $3.888 million, and basic EPS to $2.05 from $1.27. Net interest income grew 16.7%, driven by higher interest income and a 3.07% average interest rate spread, while total interest expense declined 9.2%. The net interest margin expanded to 3.72% from 3.23%. Total assets reached $643.330 million, up 5.6%, with net loans of $475.491 million and deposits of $577.292 million. Non-performing assets were $3.649 million, or 0.57% of total assets, and stockholders’ equity increased to $58.757 million, lifting book value per share to $19.31.

Home Federal Bancorp, Inc. of Louisiana director Timothy W. Wilhite exercised stock options for 3000 shares of common stock at $11.8600 per share on July 22, 2026, increasing his direct common stock holdings to 51896.0000 shares.

This total includes 5000 shares granted under the 2025 Stock Incentive Plan that vest ratably over five years beginning December 18, 2026. He also continues to hold options on 5000 shares at $11.7900 expiring July 24, 2034 and on 12000 shares at $15.1700 expiring December 18, 2035.