Home Federal Bancorp (Nasdaq: HFBL) net income climbs to $6.174M

Rhea-AI Filing Summary

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.

Positive

• Record profitability: Annual net income rose to $6.174 million from $3.888 million, with basic EPS increasing to $2.05 from $1.27, reflecting significantly stronger earnings.
• Margin expansion: Net interest margin improved to 3.72% from 3.23% and average interest rate spread to 3.07% from 2.55%, supported by higher interest income and lower interest expense.
• Stronger returns and capital: Return on average assets increased to 0.99% and return on average equity to 10.70%, while stockholders’ equity rose to $58.757 million, lifting book value per share to $19.31.

Negative

• Higher credit costs: Provision for credit losses increased to $594,000 from a $(126,000) recovery, and non-performing assets rose to $3.649 million, or 0.57% of total assets.
• Problem property write-down: Other real estate owned write-down expense increased by $200,000 for the year, tied to one large commercial property adjustment.

Filing Explained

At June 30, 2026, common shares outstanding were lower than a year earlier, so the filing does not show dilution from a larger share base.

This July 30, 2026 Form 8-K reports Home Federal Bancorp’s results for the three months and year ended June 30, 2026 under Item 2.02. The attached press release was furnished to the SEC rather than filed, except as otherwise provided.

Its structural disclosure for common holders is the period-end share count: 3,042,451 common shares were issued and outstanding at June 30, 2026, versus 3,084,764 at June 30, 2025.

The filing attributes part of the equity change to $1.838 million of proceeds from stock-option exercises and $3.333 million of stock repurchases. Because the reported year-end share count was lower, these figures do not show dilution from a larger outstanding-share base.

8-K Event Classification

2 items: 2.02, 9.01

2 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Key Figures

Annual Net Income: $6.174 million Basic EPS (Annual): $2.05 Net Interest Margin: 3.72% +4 more

7 metrics

Annual Net Income $6.174 million Year ended June 30, 2026, vs $3.888 million for 2025

Basic EPS (Annual) $2.05 Year ended June 30, 2026, vs $1.27 for 2025

Net Interest Margin 3.72% Year ended June 30, 2026, vs 3.23% for 2025

Total Assets $643.330 million As of June 30, 2026, vs $609.492 million at June 30, 2025

Non-performing Assets $3.649 million 0.57% of total assets at June 30, 2026, vs 0.54% in 2025

Book Value Per Share $19.31 At June 30, 2026, vs $17.90 at June 30, 2025

Allowance for Credit Losses Ratio 1.03% Allowance as a percent of total loans receivable at June 30, 2026

Key Terms

net interest margin, average interest rate spread, provision for credit losses, other real estate owned, +1 more

5 terms

net interest margin financial

"The Company’s net interest margin was 3.72% for the year ended June 30, 2026"

Net interest margin measures how much a bank earns from lending and investing compared with what it pays for funding, expressed as a percentage of its interest-earning assets. Think of it like a grocery store’s markup: it shows the gap between buying cost and selling price per dollar of goods — here, the cost is interest paid and the sale is interest received. Investors watch it because a higher margin usually means a bank is more profitable and better at managing interest rate and credit conditions.

average interest rate spread financial

"The Company’s average interest rate spread was 3.07% for the year ended June 30, 2026"

provision for credit losses financial

"an increase of $720,000, or 571.4%, in the provision for credit losses"

Provision for credit losses is an amount set aside by a financial institution to cover potential future losses from borrowers who may not repay their loans. It acts like a safety net, helping the institution manage risks and stay financially healthy. For investors, it signals how cautious a lender is about potential loan defaults and can impact the company's profitability and financial stability.

other real estate owned financial

"The $200,000 increase in other real estate owned write-down expense"

Assets a lender or financial firm holds after taking back real property through foreclosure or repossession because a borrower defaulted. Think of it like a store keeping returned items it didn’t sell — these properties are not earning interest, can be costly to maintain, and may be sold at a loss or profit, so they directly affect a lender’s balance sheet, cash flow and perceived credit risk for investors.

non-performing assets financial

"the Company had $3.649 million of non-performing assets (defined as non-accruing loans"

Loans or other credit exposures that are not producing expected income because borrowers have stopped making scheduled payments for a significant period (commonly around 90 days). Think of it like a business lending money that has gone quiet — the cash flow stops while the lender still carries the debt on its books. High levels of non-performing assets matter to investors because they reduce a lender’s earnings, tie up capital that could be used for growth, and signal higher risk of future losses.

Earnings Snapshot

Annual net income: $6.174 million

Three months and year ended June 30, 2026

Annual net income $6.174 million vs $3.888 million for the year ended June 30, 2025

Quarterly net income $1.428 million vs $1.181 million for the three months ended June 30, 2025

Basic EPS (annual) $2.05 vs $1.27 for the year ended June 30, 2025

AI-generated analysis. How Rhea-AI works. Not financial advice.

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FAQ

What were Home Federal Bancorp (HFBL)'s net income and EPS for fiscal 2026?

Home Federal Bancorp reported net income of $6.174 million for the year ended June 30, 2026, up from $3.888 million. Basic and diluted EPS were $2.05 and $2.02, compared with $1.27 and $1.26 for the prior year.

How did HFBL's margins perform in 2026 compared to 2025?

For 2026, HFBL’s net interest margin was 3.72%, up from 3.23%, and its average interest rate spread was 3.07%, up from 2.55%. These improvements reflect higher total interest income and lower total interest expense.

How did Home Federal Bancorp's (HFBL) balance sheet change year over year?

Total assets grew to $643.330 million at June 30, 2026, from $609.492 million. Net loans receivable increased to $475.491 million, while total deposits rose to $577.292 million. Cash and cash equivalents nearly doubled to $34.304 million.

What happened to HFBL's asset quality and non-performing assets in 2026?

At June 30, 2026, HFBL reported non-performing assets of $3.649 million, or 0.57% of total assets, versus 0.54% a year earlier. The allowance for credit losses covered 162.27% of non-performing loans and represented 1.03% of total loans receivable.

How did non-interest income and expenses affect HFBL's 2026 results?

Non-interest income increased by $667,000 to $2.672 million, aided by higher gains on loan sales and lower real estate losses. Non-interest expense decreased by $66,000 to $16.082 million, reflecting lower audit, data processing, and compensation costs despite higher other real estate write-downs.

What were HFBL's returns on assets and equity for 2026?

For 2026, HFBL’s return on average assets was 0.99%, up from 0.63%, and return on average equity was 10.70%, up from 7.31%. These higher returns correspond with the company’s record annual net income.

false 0001500375 0001500375 2026-07-30 2026-07-30

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported) July 30, 2026

Home Federal Bancorp, Inc. of Louisiana

(Exact name of registrant as specified in its charter)

Louisiana	001-35019	02-0815311
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification No.)

624 Market Street, Shreveport, Louisiana		71101
(Address of principal executive offices)		(Zip Code)

Registrant’s telephone number, including area code (318) 222-1145

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2 below):

☐	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock (par value $.01 per share)	HFBL	Nasdaq Stock Market, LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02        Results of Operations and Financial Condition

          On July 30, 2026, Home Federal Bancorp, Inc. of Louisiana (the “Company”) reported its results of operations for the three months and year ended June 30, 2026.

          For additional information, reference is made to the Company’s press release dated July 30, 2026, which is included as Exhibit 99.1 hereto and is incorporated herein by reference thereto.  The press release attached hereto is being furnished to the Securities and Exchange Commission and shall not be deemed to be “filed” for any purpose except as otherwise provided herein.

Item 9.01        Financial Statements and Exhibits

(a)        Not applicable.

(b)        Not applicable.

(c)        Not applicable.

(d)        Exhibits.

The following exhibits are filed herewith.

	Exhibit Number		Description
	99.1		Press release dated July 30, 2026
	104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

2

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

	HOME FEDERAL BANCORP, INC. OF LOUISIANA
Date: July 30, 2026	By:	/s/ Brad Ezernack
		Brad Ezernack
		Executive Vice President and Chief Financial Officer

3

Exhibit 99.1

FOR RELEASE: Thursday, July 30, 2026, at 4:30 PM (Eastern)

HOME FEDERAL BANCORP, INC. OF LOUISIANA REPORTS RECORD ANNUAL EARNINGS

AND RESULTS OF OPERATIONS FOR THE THREE MONTHS AND YEAR ENDED JUNE 30, 2026

          Shreveport, Louisiana – July 30, 2026 – Home Federal Bancorp, Inc. of Louisiana (the “Company”) (Nasdaq: HFBL), the holding company of Home Federal Bank, reported the highest annual earnings in the Company’s history. The Company reported net income for the three months ended June 30, 2026, of $1.428 million compared to net income of $1.181 million reported for the three months ended June 30, 2025. The Company’s basic and diluted earnings per share were $0.48 and $0.46, respectively, for the three months ended June 30, 2026, compared to $0.39 and $0.38, respectively, for the three months ended June 30, 2025. The Company reported net income of $6.174 million for the year ended June 30, 2026, compared to $3.888 million for the year ended June 30, 2025. The Company’s basic and diluted earnings per share were $2.05 and $2.02, respectively, for the year ended June 30, 2026, compared to $1.27 and $1.26, respectively, for the year ended June 30, 2025.

The Company reported the following highlights during the year ended June 30, 2026:

●  Net interest margin increased 49 basis points to 3.72% for the year ended June 30, 2026, compared to 3.23% for the same period in 2025.

●  Return on average assets increased 36 basis points to 0.99% for the year ended June 30, 2026, compared to 0.63% for the same period in 2025.

●  Book value per share increased to $19.31 at June 30, 2026, from $17.90 at June 30, 2025.

●  Loans increased $14.350 million, or 3.1%, since June 30, 2025, funded by deposit growth of $31.002 million, or 5.7%, over the same period.

          The increase in net income for the three months ended June 30, 2026, as compared to the same period in 2025, resulted from an increase of $771,000, or 15.5%, in net interest income, and an increase of $84,000 or 12.4%, in non-interest income, partially offset by an increase of $418,000, or 10.3%, in non-interest expense, an increase of $127,000, or 276.1%, in the provision for credit losses, and an increase of $63,000, or 16.8%, in the provision for income taxes. The increase in net interest income for the three months ended June 30, 2026, as compared to the same period in 2025, resulted from an increase of $772,000, or 10.1%, in total interest income. The Company’s average interest rate spread was 3.16% for the three months ended June 30, 2026, compared to 2.89% for the three months ended June 30, 2025. The Company’s net interest margin was 3.82% for the three months ended June 30, 2026, compared to 3.52% for the three months ended June 30, 2025.

The increase in net income for the year ended June 30, 2026, as compared to the same period in 2025 resulted primarily from an increase of $3.118 million, or 16.7%, in net interest income, an increase of $667,000, or 33.3%, in non-interest income, and a decrease of $66,000, or 0.4%, in non-interest expense, partially offset by an increase of $845,000, or 110.3%, in provision for income taxes and an increase of $720,000, or 571.4%, in the provision for credit losses. The increase in net interest income for the year ended June 30, 2026, as compared to the same period in 2025, was primarily due to an increase of $2.036 million, or 6.7%, in total interest income, and a decrease of $1.082 million, or 9.2%, in total interest expense. The Company’s average interest rate spread was 3.07% for the year ended June 30, 2026, compared to 2.55% for the year ended June 30, 2025. The Company’s net interest margin was 3.72% for the year ended June 30, 2026, compared to 3.23% for the year ended June 30, 2025. The increase in the provision for credit losses was primarily attributable to growth in the loan portfolio and additional reserve allocations on certain existing problem loans based on updated valuation reports.

          The following tables set forth the Company’s average balances and average yields earned and rates paid on its interest-earning assets and interest-bearing liabilities for the periods indicated.

		For the Three Months Ended June 30,
		2026								2025
		Average Balance				Average Yield/Rate				Average Balance				Average Yield/Rate
		(Dollars in thousands)
Interest-earning assets:
Loans receivable		$	477,021				6.34	%		$	458,504				6.05	%
Investment securities			99,260				2.53				95,524				2.72
Interest-earning deposits		26,596					3.69				12,581				2.26
Total interest-earning assets		$	602,877				5.60	%		$	566,609				5.41	%
Interest-bearing liabilities:
Savings accounts		$	90,807				1.43	%		$	94,333				1.74	%
NOW accounts			62,366				1.09				68,425				1.16
Money market accounts			67,441				1.99				75,492				2.05
Certificates of deposit			213,947				3.33				180,979				3.53
Total interest-bearing deposits			434,561				2.40				419,229				2.48
Other bank borrowings			3,556				6.88				4,101				7.43
FHLB advances			-				-				55				-
Total interest-bearing liabilities		$	438,117				2.44	%		$	423,385				2.52	%

		For the Year Ended June 30,
		2026								2025
		Average Balance				Average Yield/Rate				Average Balance				Average Yield/Rate
		(Dollars in thousands)
Interest-earning assets:
Loans receivable		$	472,273				6.25	%		$	460,356				5.94	%
Investment securities			97,900				2.37				96,178				2.36
Interest-earning deposits		16,226					4.10				20,647				4.12
Total interest-earning assets		$	586,399				5.54	%		$	577,181				5.28	%
Interest-bearing liabilities:
Savings accounts		$	92,442				1.54	%		$	90,458				1.71	%
NOW accounts			64,807				1.13				70,375				1.17
Money market accounts			69,522				1.97				76,494				2.16
Certificates of deposit			202,987				3.40				189,204				3.92
Total interest-bearing deposits			429,758				2.43				426,531				2.68
Other bank borrowings			3,852				7.06				4,650				7.53
FHLB advances			350				3.71				14				-
Total interest-bearing liabilities		$	433,960				2.47	%		$	431,195				2.73	%

          The $84,000 increase in non-interest income for the three months ended June 30, 2026, compared to the same period in 2025, resulted from an increase of $34,000 in gain on sale of loans, an increase of $26,000 in service charges on deposit accounts, and an increase of $26,000 in other non-interest income, partially offset by a decrease of $1,000 in income on bank owned life insurance, and a decrease of $1,000 in gain on sale of real estate. The $667,000 increase in non-interest income for the year ended June 30, 2026, compared to the same period in 2025, resulted from an increase of $258,000 in gain on sale of loans, a decrease of $247,000 in loss on sale of real estate, an increase of $144,000 in service charges on deposit accounts, an increase of $14,000 in other non-interest income, and a decrease of $6,000 in loss on sale of securities, partially offset by a decrease of $2,000 in income on bank owned life insurance.

2

          The $418,000 increase in non-interest expense for the three months ended June 30, 2026, compared to the same period in 2025, resulted from increases of $200,000 in other real estate owned write-down expense, $166,000 in compensation and benefits, $19,000 in deposit insurance premium, $17,000 in advertising, $16,000 in loan and collection, $14,000 in data processing, $8,000 in occupancy and equipment, $7,000 in professional fees, and $7,000 in other expenses, partially offset by decreases of $16,000 in amortization core deposit intangible, $15,000 in franchise and bank shares tax, and $5,000 in audit and examination fees. The $66,000 decrease in non-interest expense for the year ended June 30, 2026, compared to the same period in 2025, resulted from decreases of $186,000 in audit and examination fees, $89,000 in compensation and benefits, $89,000 in data processing, $44,000 in amortization core deposit intangible, $22,000 in advertising, $18,000 in professional fees, and $10,000 in franchise and bank shares tax, partially offset by increases of $200,000 in other real estate owned write-down expense, $105,000 in other expenses, $33,000 in deposit insurance premium, $30,000 in occupancy and equipment, and $24,000 in loan and collection. The $200,000 increase in other real estate owned write-down expense for the three months and year ended June 30, 2026, compared to the same periods in 2025, related to the value of one large commercial property which was adjusted to reflect current market sentiment. No further adjustments are expected at this time.                  

          Total assets increased $33.838 million, or 5.6%, from $609.492 million at June 30, 2025 to $643.330 million at June 30, 2026. The increase in assets resulted from increases in cash and cash equivalents of $16.957 million, or 97.8%, from $17.347 million at June 30, 2025 to $34.304 million at June 30, 2026, net loans receivable of $14.487 million, or 3.1%, from $461.004 million at June 30, 2025 to $475.491 million at June 30, 2026, investment securities of $3.787 million, or 3.9%, from $96.230 million at June 30, 2025 to $100.017 million at June 30, 2026, other assets of $115,000, or 8.8%, from $1.305 million at June 30, 2025 to $1.420 million at June 30, 2026, loans-held-for-sale of $114,000, or 7.4%, from $1.540 million at June 30, 2025 to $1.654 million at June 30, 2026, bank owned life insurance of $114,000, or 1.6%, from $6.926 million at June 30, 2025 to $7.040 million at June 30, 2026, and accrued interest receivable of $59,000, or 3.2%, from $1.836 million at June 30, 2025 to $1.895 million at June 30, 2026, partially offset by decreases in premises and equipment of $1.093 million, or 6.3%, from $17.266 million at June 30, 2025 to $16.173 million at June 30, 2026, real estate owned of $357,000, or 36.8%, from $970,000 at June 30, 2025 to $613,000 at June 30, 2026, core deposit intangible of $240,000, or 26.2%, from $915,000 at June 30, 2025 to $675,000 at June 30, 2026, and deferred tax asset of $105,000, or 9.0%, from $1.163 million at June 30, 2025 to $1.058 million at June 30, 2026.

Total liabilities increased $30.286 million, or 5.5%, from $554.287 million at June 30, 2025 to $584.573 million at June 30, 2026. The increase in liabilities resulted from an increase in total deposits of $31.002 million, or 5.7%, from $546.290 million at June 30, 2025 to $577.292 million at June 30, 2026, partially offset by decreases in other borrowings of $444,000, or 11.1%, from $4.000 million at June 30, 2025 to $3.556 million at June 30, 2026, other accrued expenses and liabilities of $240,000, or 6.9%, from $3.454 million at June 30, 2025 to $3.214 million at June 30, 2026, and advances from borrowers for taxes and insurance of $32,000, or 5.9%, from $543,000 at June 30, 2025 to $511,000 at June 30, 2026.         The increase in deposits resulted from increases in certificates of deposit of $34.756 million, or 18.6%, from $187.357 million at June 30, 2025 to $222.113 million at June 30, 2026, and non-interest bearing deposits of $15.643 million, or 12.8%, from $122.416 million at June 30, 2025 to $138.059 million at June 30, 2026, partially offset by decreases in money market deposits of $7.793 million, or 10.6%, from $73.771 million at June 30, 2025 to $65.978 million at June 30, 2026, NOW accounts of $7.182 million, or 10.7%, from $67.119 million at June 30, 2025 to $59.937 million at June 30, 2026, and savings deposits of $4.422 million, or 4.6%, from $95.627 million at June 30, 2025 to $91.205 million at June 30, 2026.

          At June 30, 2026, the Company had $3.649 million of non-performing assets (defined as non-accruing loans, accruing loans 90 days or more past due, and other real estate owned) compared to $3.305 million of non-performing assets at June 30, 2025, consisting of sixteen one-to-four family residential loans, two home equity loans, one commercial non-real estate loan, one commercial real estate loan, one commercial real estate property in other real estate owned, and two residential lots in other real estate owned at June 30, 2026, compared to six one-to-four family residential loans, two home equity loans, three commercial non-real estate loans, two commercial real estate loans and one single-family residence in other real estate owned at June 30, 2025. At June 30, 2026 the Company had sixteen one-to-four family residential loans, two home equity loans, one commercial non-real estate loan, one consumer loan, and one commercial real estate loan classified as substandard, compared to eight one-to-four family residential loans, five commercial non-real estate loans, two home equity loans, two commercial real estate loans and one consumer loan classified as substandard at June 30, 2025. There were no loans classified as doubtful at June 30, 2026, or June 30, 2025.

3

          Stockholders’ equity increased $3.552 million, or 6.4%, from $55.205 million at June 30, 2025 to $58.757 million at June 30, 2026. The increase in stockholders’ equity resulted from net income for the year ended June 30, 2026 of $6.174 million, proceeds from the issuance of common stock from the exercise of stock options of $1.838 million, a decrease in the Company’s accumulated other comprehensive loss of $72,000, and the vesting of restricted stock awards, stock options, and the release of employee stock ownership plan shares totaling $464,000, partially offset by stock repurchases of $3.333 million and dividends paid totaling $1.663 million.

Home Federal Bancorp, Inc. of Louisiana is the holding company for Home Federal Bank which conducts business from its ten full-service banking offices and home office in northwest Louisiana.

          Statements contained in this news release which are not historical facts may be forward-looking statements as that term is defined in the Private Securities Litigation Reform Act of 1995. Forward-looking statements can be identified by the fact that they do not relate strictly to historical or current facts. They often include words like “believe”, “expect”, “anticipate”, “estimate”, and “intend”, or future or conditional verbs such as “will”, “would”, “should”, “could”, or “may”. We undertake no obligation to update any forward-looking statements.

          In addition to factors previously disclosed in the reports filed by the Company with the Securities and Exchange Commission and those identified elsewhere in this press release, the following factors, among others, could cause actual results to differ materially from forward-looking statements or historical performance: the strength of the United States economy in general and the strength of the local economies in which the Company conducts its operations; general economic conditions; legislative and regulatory changes; monetary and fiscal policies of the federal government; changes in tax policies, rates and regulations of federal, state and local tax authorities including the effects of the Tax Reform Act; changes in interest rates, deposit flows, the cost of funds, demand for loan products and the demand for financial services, competition, changes in the quality or composition of the Company’s loans, investment and mortgage-backed securities portfolios; geographic concentration of the Company’s business; fluctuations in real estate values; the adequacy of loan loss reserves; the risk that goodwill and intangibles recorded in the Company’s financial statements will become impaired; changes in accounting principles, policies or guidelines and other economic, competitive, governmental and technological factors affecting the Company’s operations, markets, products, services and fees.

4

HOME FEDERAL BANCORP, INC. OF LOUISIANA CONSOLIDATED BALANCE SHEETS
(In thousands except share and per share data)
		June 30, 2026				June 30, 2025
		(Unaudited)
ASSETS
Cash and Cash Equivalents (Includes Interest-Bearing Deposits with Other Banks of $28,135 and $10,380 at June 30, 2026, and June 30, 2025, Respectively)		$	34,304			$	17,347
Securities Available-for-Sale (amortized cost June 30, 2026: $45,980; June 30, 2025: $36,695, Respectively)			43,624				34,246
Securities Held-to-Maturity (fair value June 30, 2026: $46,658; June 30, 2025: $51,139, Respectively)			55,439				61,334
Other Securities			954				650
Loans Held-for-Sale			1,654				1,540
Loans Receivable, Net of Allowance for Credit Losses (June 30, 2026:  $4,926; June 30, 2025: $4,484, Respectively)			475,491				461,004
Accrued Interest Receivable			1,895				1,836
Premises and Equipment, Net			16,173				17,266
Bank Owned Life Insurance			7,040				6,926
Goodwill			2,990				2,990
Core Deposit Intangible			675				915
Deferred Tax Asset			1,058				1,163
Real Estate Owned			613				970
Other Assets			1,420				1,305
Total Assets		$	643,330			$	609,492
LIABILITIES AND STOCKHOLDERS’ EQUITY
LIABILITIES
Deposits:
Non-interest bearing		$	138,059			$	122,416
Interest-bearing			439,233				423,874
Total Deposits			577,292				546,290
Advances from Borrowers for Taxes and Insurance			511				543
Other Borrowings			3,556				4,000
Other Accrued Expenses and Liabilities			3,214				3,454
Total Liabilities			584,573				554,287
STOCKHOLDERS’ EQUITY
Preferred Stock - $0.01 Par Value; 10,000,000 Shares Authorized: None Issued and Outstanding			-				-
Common Stock - $0.01 Par Value; 40,000,000 Shares Authorized: 3,042,451 and 3,084,764 Shares Issued and
Outstanding at June 30, 2026 and June 30, 2025, Respectively			34				32
Additional Paid-in Capital			44,429				42,187
Unearned ESOP Stock			(263	)			(321	)
Retained Earnings			16,419				15,241
Accumulated Other Comprehensive Loss			(1,862	)			(1,934	)
Total Stockholders’ Equity			58,757				55,205
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY		$	643,330			$	609,492

5

HOME FEDERAL BANCORP, INC. OF LOUISIANA

CONSOLIDATED STATEMENTS OF OPERATIONS

(In thousands except per share data)

		Three Months Ended								Year Ended
		June 30,								June 30,
		2026				2025				2026				2025
		(Unaudited)								(Unaudited)
INTEREST INCOME
Loans, including fees		$	7,539			$	6,920			$	29,510			$	27,346
Investment securities			26				112				56				325
Mortgage-backed securities			600				535				2,266				1,941
Other interest-earning assets			245				71				666				850
Total interest income			8,410				7,638				32,498				30,462
INTEREST EXPENSE
Deposits			2,605				2,589				10,424				11,441
Federal Home Loan Bank borrowings			-				-				13				-
Other bank borrowings			61				76				272				350
Total interest expense			2,666				2,665				10,709				11,791
Net interest income			5,744				4,973				21,789				18,671
PROVISION FOR (RECOVERY OF) CREDIT LOSSES			173				46				594				(126	)
Net interest income after provision for credit losses			5,571				4,927				21,195				18,797
NON-INTEREST INCOME
Gain (Loss) on sale of loans			237				203				642				384
Gain (Loss) on sale of real estate			-				1				(18	)			(265	)
Gain (Loss) on sale of securities			-				-				-				(6	)
Income on bank owned life insurance			28				29				114				116
Service charges on deposit accounts			429				403				1,712				1,568
Other income			69				43				222				208
Total non-interest income			763				679				2,672				2,005
NON-INTEREST EXPENSE
Compensation and benefits			2,439				2,273				8,851				8,940
Occupancy and equipment			651				643				2,384				2,354
Data processing			346				332				1,350				1,439
Audit and examination fees			119				124				411				597
Franchise and bank shares tax			120				135				429				439
Advertising			39				22				123				145
Professional fees			106				99				477				495
Loan and collection			46				30				158				134
Amortization core deposit intangible			52				68				240				284
Deposit insurance premium			99				80				380				347
Other real estate owned write-down expense			200				-				200				-
Other expenses			252				245				1,079				974
Total non-interest expense			4,469				4,051				16,082				16,148
Income before income taxes			1,865				1,555				7,785				4,654
PROVISION FOR INCOME TAX EXPENSE			437				374				1,611				766
NET INCOME		$	1,428			$	1,181			$	6,174			$	3,888
EARNINGS PER SHARE
Basic		$	0.48			$	0.39			$	2.05			$	1.27
Diluted		$	0.46			$	0.38			$	2.02			$	1.26

6

		Three Months Ended								Year Ended
		June 30,								June 30,
		2026				2025				2026				2025
Selected Operating Ratios(1):
Average interest rate spread			3.16	%			2.89	%			3.07	%			2.55	%
Net interest margin			3.82	%			3.52	%			3.72	%			3.23	%
Return on average assets			0.89	%			0.78	%			0.99	%			0.63	%
Return on average equity			9.73	%			8.64	%			10.70	%			7.31	%
Asset Quality Ratios(2):
Non-performing assets as a percent of total assets			0.57	%			0.54	%			0.57	%			0.54	%
Allowance for credit losses as a percent of non-performing loans			162.27	%			191.99	%			162.27	%			191.99	%
Allowance for credit losses as a percent of total loans receivable			1.03	%			0.96	%			1.03	%			0.96	%
Per Share Data:
Shares outstanding at period end			3,042,451				3,084,764				3,042,451				3,084,764
Weighted average shares outstanding:
Basic			3,003,486				3,032,234				3,012,800				3,054,254
Diluted			3,075,395				3,065,150				3,063,875				3,076,694
Book value per share at period end		$	19.31			$	17.90			$	19.31			$	17.90
_______________________
(1) Ratios for the three-month period are annualized.
(2) Asset quality ratios are end of period ratios.

CONTACT: James R. Barlow Chairman of the Board, President and Chief Executive Officer (318) 222-1145

7

Filing Exhibits & Attachments

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• EX-99.1 EXHIBIT 99.1 386.5 KB

Other Documents

• EX-101 XBRL TAXONOMY EXTENSION SCHEMA 3.5 KB
• EX-101 XBRL TAXONOMY EXTENSION DEFINITION LINKBASE 11.2 KB
• EX-101 XBRL TAXONOMY EXTENSION LABEL LINKBASE 15.0 KB
• EX-101 XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE 11.3 KB