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Home Federal Bancorp, Inc. of Louisiana
HFBLCIK 0001500375NasdaqNon-AcceleratedSmaller ReportingSavings Institution, Federally CharteredLouisianaFY ends Jun 30
Period
FY 2025
Revenue
—
Net Income
$3.89M
Total Assets
$609.49M
Equity
$55.20M
Shares Out
3.07M
Op. Cash Flow
$5.47M
Business
Home Federal Bancorp, Inc. of Louisiana is the holding company for Home Federal Bank and provides retail and commercial banking services through its subsidiary. The company offers deposit accounts, one-to-four family residential mortgages, commercial real estate and business loans, construction and land loans, home equity products, consumer loans, mortgage origination and loan sales, and investment securities. Its primary business segments consist of its banking subsidiary, mortgage lending and sales, commercial lending, and investment/treasury activities. It distributes services through full-service branch offices serving Caddo, Bossier and Webster Parishes in the Shreveport‑Bossier‑Minden area and through correspondent and secondary market channels.
Summary from filing dated 2025-09-26
Financials
Consolidated Statement of Income
Year Ended · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-06-30 | FY 2024 2024-06-30 | FY 2023 2023-06-30 | FY 2022 2022-06-30 | FY 2021 2021-06-30 |
|---|---|---|---|---|---|---|
| Loans, including fees | 27 | 29 | 23 | 18 | 19 | |
| Investment securities | 325,000 | 651,000 | 251,000 | 4,000 | 5,000 | |
| Mortgage-backed securities | 2 | 2 | 2 | 2 | 1 | |
| Other interest-earning assets | 850,000 | 371,000 | 974,000 | 224,000 | 104,000 | |
| Total interest income | 30 | 32 | 27 | 19 | 20 | |
| Deposits | 11 | 12 | 5 | 2 | 3 | |
| Federal Home Loan Bank borrowings | 0 | 180,000 | 79,000 | 41,000 | 45,000 | |
| Other bank borrowings | 350,000 | 735,000 | 494,000 | 66,000 | 64,000 | |
| Total interest expense | 12 | 13 | 5 | — | — | |
| Net interest income | 19 | 19 | 22 | 17 | 17 | |
| PROVISION FOR (RECOVERY OF) CREDIT LOSSES | −126,000 | 40,000 | 868,000 | 336,000 | 2 | |
| Net interest income after provision for credit losses | 19 | 19 | 21 | 17 | 15 | |
| Gain on sale of loans | 384,000 | 265,000 | 466,000 | 2 | 4 | |
| Loss on sale of real estate | −265,000 | −415,000 | 0 | — | — | |
| (Loss) Gain on sale of securities | −6,000 | 26,000 | 0 | — | 0 | |
| Income on bank owned life insurance | 116,000 | 110,000 | 103,000 | 113,000 | 127,000 | |
| Service charges on deposit accounts | 2 | 2 | 1 | 1 | 991,000 | |
| Other income | 208,000 | 74,000 | 50,000 | 282,000 | 57,000 | |
| Total non-interest income | 2 | 2 | 2 | 3 | 5 | |
| Compensation and benefits | 9 | 10 | 9 | 9 | 9 | |
| Occupancy and equipment | 2 | 2 | 2 | 2 | 2 | |
| Data processing | 1 | 655,000 | 842,000 | 820,000 | 750,000 | |
| Audit and examination fees | 597,000 | 549,000 | 314,000 | — | — | |
| Franchise and bank shares tax | 439,000 | 656,000 | 531,000 | 535,000 | 407,000 | |
| Advertising | 145,000 | 360,000 | 340,000 | 329,000 | 190,000 | |
| Professional fees | 495,000 | 557,000 | 1 | 328,000 | 233,000 | |
| Loan and collection | 134,000 | 155,000 | 198,000 | 220,000 | 366,000 | |
| Amortization core deposit intangible | 284,000 | 334,000 | 174,000 | 0 | — | |
| Deposit insurance premium | 347,000 | 393,000 | 297,000 | 154,000 | 137,000 | |
| Other expenses | 974,000 | 1 | 916,000 | 921,000 | 869,000 | |
| Total non-interest expense | 16 | 16 | 16 | 14 | 14 | |
| Income before income taxes | 5 | 4 | 7 | 6 | 7 | |
| PROVISION FOR INCOME TAX EXPENSE | 766,000 | 476,000 | 1 | 1 | 1 | |
| NET INCOME | 4 | 4 | 6 | 5 | 5 | |
| Basic (in dollars per share) | 1.27 | 1.18 | 1.89 | 1.5 | 1.66 | |
| Diluted (in dollars per share) | 1.26 | 1.17 | 1.81 | 1.41 | 1.57 |
Consolidated Balance Sheet
As of · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-06-30 | FY 2024 2024-06-30 | FY 2023 2023-06-30 | FY 2022 2022-06-30 | FY 2021 2021-06-30 |
|---|---|---|---|---|---|---|
| Cash and Cash Equivalents (Includes Interest-Bearing Deposits with Other Banks of $10,380 and $25,505 at June 30, 2025 and June 30, 2024, respectively) | 17 | 35 | 25 | 64 | 104 | |
| Securities Available-for-Sale (amortized cost June 30, 2025: $36,695; June 30, 2024: $30,347, respectively) | 34 | 27 | 40 | 28 | 30 | |
| Securities Held-to-Maturity (fair value June 30, 2025: $51,139; June 30, 2024: $54,450, respectively) | 61 | 67 | 73 | 80 | 55 | |
| Other Securities | 650,000 | 2 | 2 | — | — | |
| Loans Held-for-Sale | 2 | 2 | 4,000 | 4 | 14 | |
| Loans Receivable, Net of Allowance for Credit Losses (June 30, 2025: $4,484; June 30, 2024: $4,574, respectively) | 461 | 471 | 489 | 388 | 336 | |
| Accrued Interest Receivable | 2 | 2 | 2 | 1 | 1 | |
| Premises and Equipment, Net | 17 | 18 | 17 | 16 | 15 | |
| Bank Owned Life Insurance | 7 | 7 | 7 | 7 | 7 | |
| Goodwill | 3 | 3 | 3 | 0 | — | |
| Core Deposit Intangible | 915,000 | 1 | 2 | 0 | — | |
| Deferred Tax Asset | 1 | 1 | 1 | 1 | 819,000 | |
| Real Estate Owned | 970,000 | 418,000 | 368,000 | 0 | — | |
| Other Assets | 1 | 1 | 1 | 1 | 2 | |
| Total Assets | 609 | 638 | 661 | 590 | 566 | |
| Non-interest bearing | 122 | 130 | 146 | 161 | 131 | |
| Interest-bearing | 424 | 444 | 452 | 371 | 376 | |
| Total Deposits | 546 | 574 | 597 | 532 | 507 | |
| Advances from Borrowers for Taxes and Insurance | 543,000 | 521,000 | 554,000 | 354,000 | 426,000 | |
| Other Borrowings | 4 | 7 | 9 | 2 | 2 | |
| Other Accrued Expenses and Liabilities | 3 | 3 | 4 | 3 | 3 | |
| Total Liabilities | 554 | 585 | 610 | 538 | 513 | |
| Preferred Stock - $0.01 Par Value; 10,000,000 Shares Authorized: None Issued and Outstanding | 0 | 0 | 0 | 0 | 0 | |
| Common Stock - $0.01 Par Value; 40,000,000 Shares Authorized: 3,084,764 and 3,142,168 Shares Issued and Outstanding at June 30, 2025 and June 30, 2024, respectively | 32,000 | 32,000 | 31,000 | 34,000 | 34,000 | |
| Additional Paid-in Capital | 42 | 42 | 41 | 40 | 38 | |
| Unearned ESOP Stock | −321,000 | −408,000 | −523,000 | −639,000 | −754,000 | |
| Retained Earnings | 15 | 14 | 13 | 15 | 15 | |
| Accumulated Other Comprehensive Loss | −2 | −3 | −3 | −2 | 275,000 | |
| Total Shareholders' Equity | 55 | 53 | 51 | 52 | 53 | |
| TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY | 609 | 638 | 661 | 590 | 566 |
Consolidated Statement of Cash Flows
Year Ended · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-06-30 | FY 2024 2024-06-30 | FY 2023 2023-06-30 | FY 2022 2022-06-30 | FY 2021 2021-06-30 |
|---|---|---|---|---|---|---|
| Loss on Sale of Loans | 6,000 | −26,000 | 0 | — | — | |
| Net Amortization and Accretion on Securities | −189,000 | −258,000 | −27,000 | 109,000 | 157,000 | |
| Amortization of Deferred Loan Fees | −71,000 | −113,000 | −300,000 | −805,000 | −1 | |
| Amortization of Purchased Loans | −263,000 | −756,000 | 0 | — | — | |
| Depreciation of Premises and Equipment | 1 | 944,000 | 869,000 | 763,000 | 665,000 | |
| Loss on Sale of Real Estate and Fixed Assets | 265,000 | 415,000 | −4,000 | 48,000 | 42,000 | |
| ESOP Compensation Expense | 218,000 | 313,000 | 403,000 | 459,000 | 333,000 | |
| Stock Option Expense | 94,000 | 69,000 | 95,000 | 95,000 | 107,000 | |
| Deferred Income Tax (Benefit) Expense | −163,000 | 122,000 | −174,000 | −324,000 | −61,000 | |
| Share Awards Expense | 112,000 | 118,000 | 121,000 | 121,000 | — | |
| Increase in Cash Surrender Value on Bank Owned Life Insurance | −116,000 | −110,000 | −103,000 | 617,000 | −127,000 | |
| Amortization Core Deposit Intangible | 284,000 | 334,000 | 0 | — | — | |
| Origination of Loans Held-for-Sale | −18 | −18 | — | — | — | |
| Sale and Principal Repayments on Loans Held-for-Sale | 19 | 16 | 29 | 100 | 199 | |
| Accrued Interest Receivable | −61,000 | 15,000 | −666,000 | 39,000 | 697,000 | |
| Other Operating Assets | 45,000 | 74,000 | −35,000 | 366,000 | 62,000 | |
| Other Operating Liabilities | 273,000 | −727,000 | 1 | −111,000 | −276,000 | |
| Net Cash Provided by Operating Activities | 5 | 2 | 12 | 17 | 8 | |
| Loan Originations and Purchases, Net | 9 | 18 | −97 | −51 | 22 | |
| Deferred Loan Fees Collected | 78,000 | 48,000 | 151,000 | 372,000 | 634,000 | |
| Acquisition of Premises and Equipment | −46,000 | −3 | −1 | −3 | −2 | |
| Proceeds from Sale of Real Estate | 262,000 | 456,000 | — | — | — | |
| Improvements to Real Estate Owned Prior to Disposition | −117,000 | −38,000 | — | — | — | |
| Changes in FHLB Stock | 964,000 | −70,000 | — | — | — | |
| Principal Payments on Securities | 6 | 12 | 10 | 8 | 22 | |
| Purchase of Mortgage-Backed Securities | −13 | −3 | −6 | −9 | −10 | |
| Proceeds from Sales of Mortgage-Backed Securities | 157,000 | 3 | — | — | 0 | |
| Proceeds from Sales of US Treasury Notes | 494,000 | 0 | — | — | — | |
| Principal Payments on Mortgage-Backed Securities | 6 | 6 | 7 | 9 | 6 | |
| Net Cash Provided by Investing Activities | 10 | 34 | −115 | −79 | −1 | |
| Net Decrease in Deposits | −28 | −23 | 65 | 25 | 46 | |
| Proceeds from Advances from Federal Home Loan Bank | 0 | 793 | 184 | 0 | — | |
| Repayments of Advances from Federal Home Loan Bank | 0 | −793 | −185 | −35,000 | −193,000 | |
| Dividends Paid | −2 | −2 | −2 | −1 | −1 | |
| Company Stock Purchased | −1 | −487,000 | −6 | −4 | −3 | |
| Net Increase (Decrease) in Advances from Borrowers for Taxes and Insurance | 22,000 | −33,000 | 200,000 | −72,000 | −96,000 | |
| Proceeds from Other Bank Borrowings | 0 | 3 | 6 | 3 | 2 | |
| Repayment of Other Bank Borrowings | −3 | −4 | 0 | −3 | −2 | |
| Proceeds from Stock Options Exercised | 111,000 | 374,000 | 328,000 | 2 | 587,000 | |
| Net Cash Used in Financing Activities | −33 | −27 | 64 | 21 | 43 | |
| NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS | −18 | 10 | −39 | −40 | 50 | |
| Interest Paid on Deposits and Borrowed Funds | 12 | 13 | 5 | 2 | 3 | |
| Income Taxes Paid | 685,000 | 680,000 | 950,000 | 1 | 1 | |
| Market Value Adjustment for Unrealized Gain (Loss) on Debt Securities Available For Sale | 862,000 | 49,000 | −1 | 3 | −810,000 | |
| Transfer from Loans to Other Real Estate | 961,000 | 883,000 | 172,000 | 0 | 434,000 |
Filings
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