Here are the 10-K annual reports from Home Federal Bancorp, Inc. of Louisiana (HFBL) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow HFBL and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full HFBL filings page.
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 reported net income of $3.9 million for fiscal 2025, up from $3.6 million a year earlier. The companys net loan portfolio was $461.0 million, representing 75.64% of total assets, with one-to-four family residential loans of $175.0 million (37.59% of loans) and commercial real estate loans of $138.9 million (29.84%). Non-performing assets rose to $3.3 million from $1.9 million, and the allowance for credit losses totaled $4.5 million at June 30, 2025. Tier 1 and common equity Tier 1 capital ratios were strong at 13.59% and total capital was 14.67%; the Company had no FHLB advances outstanding and $56.4 million available. The bank remains locally concentrated in northwest Louisiana and continues to sell fixed-rate residential loans to manage interest rate risk.