Home Federal Bancorp Inc of Louisiana
hfb.bankWhat Do They Do?
Attracts deposits from the public and makes home loans to households, along with commercial property and business loans to businesses in northwest Louisiana.
10-K for FY2026, filed Sep 25, 2026Home Federal Bancorp, Inc. of Louisiana, a Louisiana chartered corporation (“Home Federal Bancorp” or the “Company”), is the holding…View ↗
Our business consists primarily of originating single-family real estate loans secured by property in our market area and to a lesser…View ↗
Our primary market area for loans and deposits is in northwest Louisiana, particularly Caddo Parish and neighboring communities in Bossier…View ↗
How Do They Make Money?
Deposit customers pay account-maintenance fees monthly and transaction or overdraft fees when services occur. The Bank also earns debit-card interchange fees when cards are used, based on transaction value.
10-K for FY2026, filed Sep 25, 2026
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10-K for FY2026, filed Sep 25, 2026
FY2026 revenue by product or service ↗
$1.7M
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10-K for FY2026, filed Sep 25, 2026
$1.7M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Debit Card Interchange Fees
Usage-based
10-K for FY2026, filed Sep 25, 2026 |
39%
FY2023: 41%
|
Debit Card Interchange Fees, FY2026
$660K Sources
|
Usage-based |
|
ATM Surcharge Income
|
5.9%
FY2023: 6.2%
|
ATM Surcharge Income, FY2026
$100K Sources
|
|
|
Service Fees on Deposit Accounts
|
56%
FY2023: 53%
|
Service Fees on Deposit Accounts, FY2026
$952K Sources
|
|
|
Loss on Sale of Real Estate
|
−1.1%
FY2023: 0.0%
|
Loss on Sale of Real Estate, FY2026
−$18K Sources
|
Who Are Their Customers?
People and businesses use the Bank's branches for loans and deposits. Loan applications come mainly from existing customers, local realtors and builders.
10-K for FY2026, filed Sep 25, 2026Home Federal Bancorp, Inc. of Louisiana, a Louisiana chartered corporation (“Home Federal Bancorp” or the “Company”), is the holding…View ↗
Origination of Loans. Our lending activities are subject to written underwriting standards and loan origination procedures established by…View ↗
Most of the Company’s activities are provided to customers of the Bank by ten branch offices, six of which are located in the city of…View ↗
Do Revenues Turn Into Profits?
Yes. Its net income in FY2026 was larger than its revenue.
10-K for FY2026, filed Sep 25, 2026
$6.2MView ↗
How Are They Changing?
Growing. Revenue grew 48% in 4 years, from $1.1M in FY2022 to $1.7M in FY2026, about 10% a year.
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