Startseite Federal Bancorp, Inc. of Louisiana (HFBL): Business Model Canvas

Im Herzen der Finanzlandschaft Louisianas entwickelt sich Home Federal Bancorp, Inc. (HFBL) zu einem dynamischen lokalen Bankenkraftwerk, das ein ausgeklügeltes Geschäftsmodell entwickelt, das über traditionelle Bankparadigmen hinausgeht. Durch die strategische Kombination gemeinschaftsorientierter Dienste, innovativer digitaler Plattformen und tief verwurzelter lokaler Beziehungen hat HFBL einen einzigartigen Ansatz entwickelt, der Banking von einem Transaktionserlebnis in eine personalisierte Reise zur finanziellen Stärkung verwandelt. Ihr sorgfältig gestaltetes Business Model Canvas offenbart eine überzeugende Darstellung davon, wie eine Regionalbank gleichzeitig das Wirtschaftswachstum vorantreiben, Community-Verbindungen pflegen und außergewöhnliche Banklösungen in einem immer komplexer werdenden Finanzökosystem bereitstellen kann.

Home Federal Bancorp, Inc. of Louisiana (HFBL) – Geschäftsmodell: Wichtige Partnerschaften

Lokale Wirtschaftsverbände in Louisiana

Home Federal Bancorp arbeitet mit den folgenden lokalen Wirtschaftsverbänden zusammen:

Vereinsname	Einzelheiten zur Partnerschaft	Gründungsjahr
Louisiana Bankers Association	Aktive Mitgliedschaft seit 2015	2015
Wirtschaftsverband des Großraums New Orleans	Mitglied im kollaborativen Netzwerk	2017

Regionale Finanzdienstleister

Zu den wichtigsten Partnerschaften im Finanzdienstleistungsbereich gehören:

• FDIC-registrierter Partner
• Mitglied der Federal Home Loan Bank of Dallas
• Fidelity National Financial Services Integration

Gemeinschaftsentwicklungsorganisationen

Organisation	Partnerschaftsfokus	Jährliche Investition
Wirtschaftsentwicklung in Louisiana	Unterstützung für kleine Unternehmen	$250,000
Fonds für gemeinschaftliche Entwicklungsfinanzinstitutionen	Community-Reinvestitionsprogramme	$175,000

Netzwerke für Hypothekendarlehen

Netzwerke von Hypothekenpartnerschaften:

• Von Fannie Mae zugelassener Verkäufer/Servicer
• Von Freddie Mac zugelassener Kreditgeber
• Von der FHA zugelassenes Kreditinstitut

Anbieter von Technologiedienstleistungen

Anbieter	Technologiedienst	Jährlicher Vertragswert
Jack Henry & Mitarbeiter	Kernbankenplattform	1,2 Millionen US-Dollar
Finastra	Digitale Banking-Lösungen	$750,000

Startseite Federal Bancorp, Inc. of Louisiana (HFBL) – Geschäftsmodell: Hauptaktivitäten

Privatkundendienstleistungen

Ab 2024 unterhält Home Federal Bancorp sechs Full-Service-Bankstandorte in ganz Louisiana. Die gesamten Vermögenswerte im Privatkundengeschäft belaufen sich auf 362,4 Millionen US-Dollar.

Servicetyp	Anzahl der Konten	Durchschnittlicher Kontostand
Persönliche Überprüfung	12,453	$4,876
Sparkonten	8,721	$6,234

Gewerbe- und Wohnkredite

Gesamtkreditportfolio: 324,6 Millionen US-Dollar, Stand 4. Quartal 2023.

• Gewerbliche Immobilienkredite: 187,2 Millionen US-Dollar
• Hypothekendarlehen für Wohnimmobilien: 112,4 Millionen US-Dollar
• Verbraucherkredite: 25 Millionen US-Dollar

Verwaltung von Einlagenkonten

Gesamteinlagen: 398,7 Millionen US-Dollar im Jahr 2024.

Einzahlungsart	Gesamteinlagen	Zinssatz
Sichteinlagen	124,5 Millionen US-Dollar	0.25%
Spareinlagen	186,3 Millionen US-Dollar	1.75%

Online- und Mobile-Banking-Plattformen

Kennzahlen zum digitalen Banking:

• Aktive Mobile-Banking-Nutzer: 9.876
• Online-Banking-Transaktionen pro Monat: 42.500
• Volumen der mobilen Scheckeinzahlung: vierteljährlich 18,3 Millionen US-Dollar

Gemeinschaftsinvestitionen und -unterstützung

Investitionen in die Gemeindeentwicklung: 2,4 Millionen US-Dollar im Jahr 2024

Anlagekategorie	Betrag
Zuschüsse für lokale Unternehmen	$750,000
Community-Entwicklungsprogramme	1,65 Millionen US-Dollar

Startseite Federal Bancorp, Inc. of Louisiana (HFBL) – Geschäftsmodell: Schlüsselressourcen

Starkes lokales Filialnetz in Louisiana

Seit dem vierten Quartal 2023 betreibt Home Federal Bancorp, Inc. 14 Full-Service-Filialen in ganz Louisiana, die sich hauptsächlich auf die Ballungsräume Baton Rouge und New Orleans konzentrieren.

Niederlassungsstandorte	Anzahl der Filialen
Gesamtzahl der Filialen	14
Metropolregion Baton Rouge	8
Metropolregion New Orleans	6

Erfahrene Bankprofis

Die Bank beschäftigte zum 31. Dezember 2023 187 Bankfachkräfte in Vollzeit.

• Durchschnittliche Betriebszugehörigkeit: 9,2 Jahre
• Managementteam mit insgesamt über 150 Jahren Bankerfahrung
• Durchschnittliche Berufszertifizierungsrate: 62 % bei leitenden Mitarbeitern

Digitale Banking-Infrastruktur

Gesamtinvestition in digitale Banking-Technologie: 2,3 Millionen US-Dollar im Jahr 2023.

Digitale Plattform	Benutzerstatistiken
Online-Banking-Benutzer	42,500
Mobile-Banking-Benutzer	35,700
Digitales Transaktionsvolumen	1,2 Millionen Transaktionen im Jahr 2023

Kundenvertrauen und Reputation

Kundenbindungsrate: 87,3 % ab 2023.

• Bessere Business Bureau-Bewertung: A+
• Kundenzufriedenheitswert: 4,6/5
• Engagement vor Ort: 12 gemeinnützige Partnerschaften

Finanzkapital und Reserven

Finanzkennzahlen zum 31. Dezember 2023:

Finanzkennzahl	Betrag
Gesamtvermögen	1,42 Milliarden US-Dollar
Gesamteigenkapital	128,6 Millionen US-Dollar
Kernkapitalquote	12.4%
Zahlungsmittel und Zahlungsmitteläquivalente	87,3 Millionen US-Dollar

Startseite Federal Bancorp, Inc. of Louisiana (HFBL) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für lokale Gemeinschaften

Ab dem vierten Quartal 2023 bietet Home Federal Bancorp gezielte Bankprodukte an, die speziell für lokale Gemeinden in Louisiana entwickelt wurden:

Produktkategorie	Spezifische Angebote	Marktdurchdringung
Persönliches Banking	Maßgeschneiderte Giro-/Sparkonten	87,3 % lokaler Marktanteil
Banking für kleine Unternehmen	Maßgeschneiderte gewerbliche Kreditlösungen	62,5 % regionale Geschäftskundenabdeckung

Wettbewerbsfähige Zinssätze für Kredite und Einlagen

Aktuelle Zinsstruktur per Januar 2024:

• Hypothekendarlehen: 6,75 % durchschnittlicher Festzins
• Privatkredite: durchschnittlicher Zinssatz von 8,25 %
• Sparkonten: 4,15 % jährliche prozentuale Rendite
• Einlagenzertifikate: 5,30 % für eine Laufzeit von 12 Monaten

Beziehungsorientierter Kundenservice

Servicemetrik	Leistung
Kundenbindungsrate	93.4%
Durchschnittliche Kundeninteraktionshäufigkeit	2,7 Touchpoints pro Monat

Bequeme digitale und physische Bankoptionen

Digital-Banking-Kennzahlen für 2023:

• Mobile-Banking-Benutzer: 45.672 aktive Benutzer
• Online-Transaktionsvolumen: 1,2 Millionen monatliche Transaktionen
• Physisches Filialnetz: 17 Standorte in ganz Louisiana

Lokale Entscheidungsfindung und Gemeinschaftsfokus

Kategorie „Gemeinschaftliche Investitionen“.	Zuteilung 2023
Lokale Geschäftskredite	87,3 Millionen US-Dollar
Zuschüsse für die Gemeindeentwicklung	1,2 Millionen US-Dollar
Lokale gemeinnützige Unterstützung	$456,000

Home Federal Bancorp, Inc. of Louisiana (HFBL) – Geschäftsmodell: Kundenbeziehungen

Persönliche Interaktionen in lokalen Filialen

Ab 2024 betreibt Home Federal Bancorp 15 physische Filialen in ganz Louisiana. Durchschnittliche tägliche Kundeninteraktionen pro Filiale: 42 Kunden.

Zweigtyp	Anzahl der Filialen	Durchschnittliche tägliche Interaktionen
Städtische Zweige	8	52 Kunden
Vorstadtfilialen	5	38 Kunden
Ländliche Zweige	2	24 Kunden

Persönlicher Kundenservice

Kundendienstkennzahlen für HFBL im Jahr 2024:

• Durchschnittliche Reaktionszeit des Kunden: 12 Minuten
• Quote der personalisierten Finanzberatung: 67 %
• Kundenzufriedenheitsbewertung: 4,3/5

Digitale Kommunikationskanäle

Kanal	Nutzungsprozentsatz	Durchschnittliche monatliche Interaktionen
Mobile-Banking-App	72%	14.500 Interaktionen
Online-Banking-Website	58%	9.200 Interaktionen
E-Mail des Kundensupports	25%	3.800 Interaktionen
Live-Chat	15%	2.300 Interaktionen

Relationship-Banking-Ansatz

Kennzahlen zur Kundenbeziehung:

• Durchschnittliche Kundenbeziehungsdauer: 7,2 Jahre
• Cross-Selling-Erfolgsquote: 43 %
• Wiederholungskundenquote: 81 %

Community-Engagement-Programme

Programmtyp	Jährliche Investition	Community-Reichweite
Lokale Sponsorings	$275,000	12 lokale Organisationen
Workshops zur Finanzbildung	$95,000	1.200 Teilnehmer
Zuschüsse für die Gemeindeentwicklung	$150,000	8 Initiativen auf Gemeindeebene

Startseite Federal Bancorp, Inc. of Louisiana (HFBL) – Geschäftsmodell: Kanäle

Physische Zweigstellen

Ab 2024 betreibt Home Federal Bancorp 18 physische Filialen in ganz Louisiana, die sich auf die folgenden Gemeinden konzentrieren:

Pfarrei	Anzahl der Filialen
Gemeinde Lafourche	5
Gemeinde Terrebonne	7
Jefferson-Gemeinde	4
Pfarrei Mariä Himmelfahrt	2

Online-Banking-Plattform

Die Online-Banking-Plattform von Home Federal Bancorp bietet die folgenden digitalen Dienste:

• Überwachung des Kontostands
• Geldtransfers
• Rechnungszahlungsdienste
• Elektronische Kontoauszüge

Mobile-Banking-Anwendung

Die Funktionen der mobilen Anwendung der Bank:

• Mobile Scheckeinzahlung
• Transaktionswarnungen in Echtzeit
• Kartenkontrolleinstellungen
• Biometrische Anmeldung

Telefon-Banking-Dienste

Servicetyp	Verfügbarkeitszeiten
Kundensupport	8:00 – 18:00 Uhr CST
Automatisierte Kontoinformationen	24/7

ATM-Netzwerk

Gesamtzahl der Geldautomatenstandorte: 22

ATM-Netzwerktyp	Anzahl der Maschinen
Bankeigene Geldautomaten	18
Gemeinsam genutzte Netzwerk-Geldautomaten	4

Startseite Federal Bancorp, Inc. of Louisiana (HFBL) – Geschäftsmodell: Kundensegmente

Einheimische Einwohner von Louisiana

Im Jahr 2023 betreut Home Federal Bancorp über sein Bankennetzwerk rund 32.450 Einwohner Louisianas. Die Bank betreibt 12 Filialen hauptsächlich in der Region Acadiana.

Kundendemografie	Gesamtzahl	Prozentsatz
Einheimische Einwohner von Louisiana	32,450	68.3%
Städtische Kunden	18,675	39.2%
Ländliche Kunden	13,775	29.1%

Kleine bis mittlere Unternehmen

HFBL unterstützt 1.275 kleine und mittlere Unternehmen in Louisiana mit einem gesamten gewerblichen Kreditportfolio von 187,4 Millionen US-Dollar (Stand Q4 2023).

• Durchschnittliche Kredithöhe für Unternehmen: 147.000 $
• Belieferte Geschäftsbereiche: Landwirtschaft, Gesundheitswesen, Einzelhandel, Baugewerbe
• Bindungsrate Geschäftskunden: 92,6 %

Privatkunden im Privatkundengeschäft

Gesamtzahl der Privatkunden im Privatkundengeschäft: 24.890, Stand Dezember 2023.

Kontotyp	Anzahl der Kunden	Durchschnittlicher Kontostand
Girokonten	14,250	$8,750
Sparkonten	7,640	$15,300
Geldmarktkonten	3,000	$42,500

Geschäftsbankkunden

Das Geschäftsbanksegment umfasst 685 aktive Geschäftskunden mit einem gesamten Geschäftsvermögen von 276,5 Millionen US-Dollar im Jahr 2023.

• Durchschnittlicher Geschäftskundenbeziehungswert: 403.650 $
• Wachstumsrate der gewerblichen Kredite: 7,2 % im Jahresvergleich
• Branchenkonzentration: 40 % Unternehmen mit Sitz in Louisiana

Gemeinschaftsorganisationen

HFBL unterstützt 215 Gemeinschaftsorganisationen mit einer Gesamtinvestition von 1,7 Millionen US-Dollar im Jahr 2023.

Organisationstyp	Nummer unterstützt	Gesamtinvestition
Bildungseinrichtungen	87	$625,000
Gemeinnützige Organisationen	68	$475,000
Lokale Wohltätigkeitsorganisationen	60	$600,000

Home Federal Bancorp, Inc. of Louisiana (HFBL) – Geschäftsmodell: Kostenstruktur

Gehälter und Leistungen der Mitarbeiter

Nach der letzten Finanzberichterstattung meldete Home Federal Bancorp, Inc. aus Louisiana für das Geschäftsjahr 2023 Gesamtaufwendungen für Mitarbeitervergütungen in Höhe von 7.823.000 US-Dollar.

Ausgabenkategorie	Betrag ($)
Grundgehälter	5,642,000
Krankenversicherung	1,103,000
Altersvorsorgeleistungen	678,000
Weitere Leistungen an Arbeitnehmer	400,000

Betriebsausgaben der Zweigstelle

Die Betriebskosten der Bankfiliale beliefen sich im Jahr 2023 auf insgesamt 3.456.000 US-Dollar und setzten sich wie folgt zusammen:

• Miet- und Pachtkosten: 1.245.000 $
• Nebenkosten: 412.000 $
• Wartung und Reparaturen: 678.000 $
• Büromaterial: 231.000 US-Dollar
• Sicherheitskosten: 890.000 US-Dollar

Wartung von Technologie und Infrastruktur

Die Investitionen in die Technologieinfrastruktur beliefen sich im Jahr 2023 auf 2.345.000 US-Dollar, darunter:

Kategorie der Technologieausgaben	Betrag ($)
Wartung von IT-Systemen	1,456,000
Cybersicherheit	534,000
Softwarelizenzierung	355,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Aufwendungen für die Einhaltung gesetzlicher Vorschriften beliefen sich im Jahr 2023 auf 1.789.000 US-Dollar:

• Rechts- und Compliance-Mitarbeiter: 678.000 US-Dollar
• Externe Prüfungsgebühren: 456.000 US-Dollar
• Regulatorische Meldesysteme: 345.000 US-Dollar
• Compliance-Schulung: 310.000 US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben für 2023 beliefen sich auf insgesamt 892.000 US-Dollar:

Kategorie der Marketingausgaben	Betrag ($)
Digitales Marketing	345,000
Print und traditionelle Medien	276,000
Gemeinschaftspatenschaften	156,000
Kampagnen zur Kundengewinnung	115,000

Home Federal Bancorp, Inc. of Louisiana (HFBL) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Darlehen

Für das Geschäftsjahr 2023 meldete Home Federal Bancorp, Inc. aus Louisiana einen Gesamtzinsertrag von 19.231.000 US-Dollar. Die Darlehenszinserträge setzen sich wie folgt zusammen:

Kreditkategorie	Zinserträge ($)
Gewerbliche Kredite	7,845,000
Immobilienkredite	9,672,000
Verbraucherkredite	1,714,000

Gebühren für das Einlagenkonto

Die Einlagenkontogebühren für 2023 beliefen sich auf insgesamt 1.456.000 US-Dollar, mit folgender Verteilung:

• Girokontogebühren: 612.000 $
• Sparkontengebühren: 384.000 $
• Gebühren für Geldmarktkonten: 460.000 $

Servicegebühren

Servicegebühren generierten im Geschäftsjahr 2023 einen Umsatz von 2.103.000 US-Dollar:

Art der Servicegebühr	Umsatz ($)
Überziehungsgebühren	1,247,000
Gebühren für Geldautomatentransaktionen	456,000
Gebühren für Überweisungen	400,000

Kapitalerträge

Die Kapitalerträge für 2023 beliefen sich auf 3.672.000 US-Dollar und setzten sich zusammen aus:

• Wertpapierzins: 2.345.000 USD
• Dividendenertrag: 867.000 US-Dollar
• Realisierte Gewinne aus Wertpapieren: 460.000 USD

Einnahmen aus Hypothekendarlehen

Die Einnahmen aus Hypothekendarlehen beliefen sich im Jahr 2023 auf 4.589.000 US-Dollar, mit folgender Aufteilung:

Kategorie Hypothekendarlehen	Umsatz ($)
Vergabe von Wohnhypotheken	2,786,000
Gebühren für die Hypothekenbearbeitung	1,203,000
Gebühren für die Refinanzierung von Hypotheken	600,000

Home Federal Bancorp, Inc. of Louisiana (HFBL) - Canvas Business Model: Value Propositions

You're looking at the core value Home Federal Bancorp, Inc. of Louisiana offers its customers and the market. It's not just about the rates; it's about the local structure and the stability that comes with longevity.

Community-focused banking with local decision-making

This bank is defintely rooted in its community, operating as the holding company for Home Federal Bank, which conducts business from ten full-service banking centers in Louisiana, primarily concentrated in northwest Louisiana. The value here is that decisions about your loan or account aren't being made a thousand miles away; they're made locally, which helps build those relationship-based banking ties.

Stability and trust from a bank established in 1924

A century of operation is a powerful value proposition in finance. Home Federal Bancorp, Inc. of Louisiana started way back on April 1, 1924. That long history translates into tangible financial stability, reflected in their strong regulatory capital position as of June 30, 2025. For instance, their Common Equity Tier 1 capital ratio stood at a solid 13.59%, with a Total Capital ratio of 14.67%. Plus, they maintain significant available liquidity, having $56.4 million in borrowing capacity from the Federal Home Loan Bank with no advances outstanding at that date.

Diversified lending products for both retail and commercial clients

Home Federal Bancorp, Inc. of Louisiana's business centers on originating loans, and they offer a broad spectrum of products. As of June 30, 2025, their net loan portfolio totaled $461.0 million, which represented approximately 75.64% of their total assets. This portfolio isn't just one thing; it's spread across several categories, which helps manage risk, even if the concentration is local.

Here's a quick look at how that loan book was shaped at the end of fiscal 2025:

Loan Category	Amount (as of 6/30/2025)	Percentage of Total Loans
One-to-Four Family Residential Loans	$175.0 million	37.59%
Commercial Real Estate Loans	$138.9 million	29.84%
Total Net Loan Portfolio	$461.0 million	100.00%

Personalized service for relationship-based banking

The bank's policy emphasizes relationship banking, especially on the funding side. Although they sell a substantial amount of their fixed-rate residential loan originations, they require commercial customers to maintain a deposit relationship, which often consists of NOW accounts or non-interest checking accounts. This focus helps ensure a stable, relationship-driven funding base to support their lending activities. Their net interest income for fiscal 2025 was $18.8 million, showing the core profitability from these relationships.

A strategic focus on higher-yielding commercial loans

While one-to-four family residential loans are the largest single component, the bank's strategy leans toward higher-yielding assets where possible. Their business consists primarily of originating single-family loans, but also, to a lesser extent, commercial real estate loans, commercial business loans, and real estate secured lines of credit, which typically carry higher rates and shorter terms than the single-family loans. This strategy helped their average interest rate spread increase from 2.38% in fiscal 2024 to 2.55% in fiscal 2025. The net interest margin for the three months ended June 30, 2025, was 3.52%.

The bottom line for shareholders in fiscal 2025 was net income of $3.9 million, with book value per share reaching $17.66 at June 30, 2025. Finance: draft the Q4 2025 asset quality review by next Tuesday.

Home Federal Bancorp, Inc. of Louisiana (HFBL) - Canvas Business Model: Customer Relationships

You're focused on how Home Federal Bancorp, Inc. of Louisiana (HFBL) maintains its connections with clients in its core North Louisiana market, which is key since the bank has a long history dating back to 1924. The relationship strategy blends traditional, in-person banking with modern digital tools, all while leaning on deep local knowledge to foster loyalty.

The physical presence remains a cornerstone of the relationship model. As of late 2025, Home Federal Bank operates 11 domestic locations across Louisiana. This network supports the commitment to personal, face-to-face service. You can see this commitment in their recent expansion, having opened a new branch in Baton Rouge, which extends their local reach beyond their traditional northwest Louisiana base as reported in their September 26, 2025 filing.

For your commercial clients, the bank deploys dedicated expertise. Greg A. Doyal serves as a Senior Vice President of Commercial Banking, a role explicitly focused on leading business development and working closely with companies to provide tailored banking solutions, which is the essence of a dedicated relationship manager approach. This personalized attention helps HFBL maintain stability, evidenced by their decision to keep zero dependency on wholesale funding, with no brokered deposits or Federal Home Loan Bank (FHLB) advances as of September 30, 2025.

Still, digital access is non-negotiable today. HFBL supports automated self-service through readily available online and mobile banking channels for both consumer and business users. They even provide Digital Banking Guides to help customers get started, showing they are actively supporting the shift to digital tools while maintaining their physical footprint. The bank also allows clients to Apply For Mortgage Loan directly online.

The entire approach is geared toward cultivating long-term customer loyalty, which is a stated strength of Home Federal Bancorp, Inc. of Louisiana. Their differentiation, even against larger institutions, is often cited as resting on their deposit sources, locations, and relationships. This focus on relationships is what underpins their financial health, allowing them to report a book value per share of $18.46 as of September 30, 2025.

Here is a quick look at the relationship touchpoints:

Relationship Component	Key Metric/Data Point	Latest Value/Count
Personal Service Footprint	Total Domestic Branch Locations (as of Nov 2025)	11
Geographic Expansion	New Branch Opened (as of Sep 2025 Filing)	Baton Rouge
Commercial Client Support	Dedicated Senior Commercial Banking Role	Confirmed (SVP Commercial Banking)
Automated Self-Service	Online Banking Availability	Consumer and Business Logins
Loyalty Foundation	Core Operating Region	Northwest Louisiana

The bank reinforces these connections through a commitment to ethical conduct, where all directors, officers, and employees are expected to act with the highest standards of personal and professional integrity to maintain customer confidence.

You can see the tangible results of this relationship focus in their recent performance metrics:

• Net income for the three months ended September 30, 2025, reached $1.599 million.
• Net interest margin improved to 3.63% for Q3 2025.
• Book value per share stood at $18.46 at the end of September 2025.
• The bank maintained zero dependency on wholesale funding as of September 30, 2025.

Finance: draft the 13-week cash view by Friday.

Home Federal Bancorp, Inc. of Louisiana (HFBL) - Canvas Business Model: Channels

You're looking at how Home Federal Bancorp, Inc. of Louisiana gets its products and services-loans, deposits, and account access-to its customers in northwest Louisiana. This is where the rubber meets the road for their community-focused model.

The physical branch network remains central, especially given the local market focus. As of mid-2025, Home Federal Bancorp, Inc. of Louisiana, through its subsidiary Home Federal Bank, operates its physical touchpoints primarily across Shreveport and Bossier City.

• - Physical branch network in the Shreveport-Bossier City area
• - Direct loan origination staff for commercial and residential lending
• - Online and mobile banking applications for account access
• - ATMs and debit card services

Let's break down the physical footprint. While reports from mid-2021 mentioned seven full-service banking offices and one commercial lending office, more recent data suggests a total of 11 Offices across the service area. You can definitely find them on the ground in key Shreveport locations like Downtown, Youree Drive, and Northwood, plus Bossier City locations like Stockwell and Viking Drive. This physical presence supports their lending strategy, which relies on direct engagement.

The direct loan origination channel is key for their core business of originating single-family residential loans, commercial real estate loans, and commercial business loans. While I don't have the exact headcount for the direct loan origination staff as of late 2025, the bank's strategy relies on having the same people who make decisions available to customers. This direct channel is supported by the bank's financial strength, evidenced by a Book value per share increasing to $17.66 at June 30, 2025. They actively manage their balance sheet, having reduced Other borrowings to $4.0 million at June 30, 2025, showing reliance on core deposits rather than wholesale funding for loan deployment.

The digital channels are clearly maintained and promoted, as evidenced by the copyright date of © HFBLA 2025 on their site, showing current operational status. They offer both Consumer Online Banking and Business Online Banking portals, complete with login assistance and Digital Banking Guides for new users. You can use these platforms to manage accounts and apply for a Mortgage Loan directly.

Here's a look at the service points available through these channels:

Channel Component	Service Offering Examples	Geographic/Digital Scope
Physical Branch Network	Consumer and commercial lending, deposit accounts, safe deposit boxes	Northwest Louisiana (Shreveport/Bossier City)
Direct Lending Staff	Mortgage Loans, Commercial Business Loans origination	Direct customer interaction for decision-making
Online & Mobile Banking	Account Login, View Guides, Apply For Mortgage Loan	Digital access for all customers
ATMs/Debit Card Services	24-hour ATM access, Lost/Stolen Card reporting	Onsite at many branches (e.g., Huntington, Pierremont)

The ATM and debit card services are integrated into the physical locations; for instance, several branches, including the Viking Drive and Stockwell locations, explicitly mention having a 24-hour ATM onsite. This blends the physical convenience with the digital transaction capability, which is important for a community bank competing in the modern landscape. They definitely keep the local feel while offering modern access points.

Finance: draft 13-week cash view by Friday.

Home Federal Bancorp, Inc. of Louisiana (HFBL) - Canvas Business Model: Customer Segments

You're looking at the core clientele Home Federal Bancorp, Inc. of Louisiana serves, which is heavily concentrated in a specific geographic area. The primary market area for loans and deposits is in northwest Louisiana, specifically Caddo Parish and neighboring communities in Bossier and Webster Parishes, which fall within the Shreveport-Bossier City-Minden combined statistical area. Home Federal Bancorp, Inc. of Louisiana conducts business from its ten full-service banking offices and home office in this region.

The customer base is fundamentally split between those providing funds (depositors) and those borrowing funds (loan customers). As of June 30, 2025, the total deposits stood at $546.3 million, representing the primary source of funding from the public.

Retail depositors seeking savings, checking, and CD products contribute to the liability side of the balance sheet. Here's the breakdown of total deposits as of June 30, 2025:

Deposit Product Category	Amount as of June 30, 2025
Total Deposits	$546.3 million
Certificates of Deposit (CDs)	$187.4 million
Non-Interest Deposits	$122.4 million
Savings Deposits	$95.6 million
NOW Accounts	$67.1 million
Money Market Deposits	$73.8 million

Individuals and families in Northwest Louisiana are served through various lending products, including one-to-four family residential loans and consumer loans. The bank also services home equity loans. To give you a snapshot of credit quality within this segment as of June 30, 2025, the substandard loan category included eight one-to-four family residential loans and two home equity loans.

Small to medium-sized businesses (SMBs) seeking commercial loans are the other major lending segment. Home Federal Bank originates commercial real-estate secured loans and commercial business loans. For context on the credit quality within the commercial book as of June 30, 2025, the substandard assets included five commercial non-real-estate loans and two commercial real-estate loans.

Corporate entities and local organizations are served through the general acceptance of deposits and the provision of various financial services. The loan offerings also include construction loans and land loans, which typically cater to business or organizational development projects. The bank also has one consumer loan classified as substandard as of June 30, 2025, which could represent a small business owner or an individual.

The bank's business primarily consists of attracting deposits from the general public and using those funds to originate loans. This means the entire deposit base, totaling $546.3 million on June 30, 2025, is sourced from these customer segments.

Home Federal Bancorp, Inc. of Louisiana (HFBL) - Canvas Business Model: Cost Structure

You're looking at the expenses that drive Home Federal Bancorp, Inc. of Louisiana's operations as of late 2025. These are the costs that chip away at the interest income generated from their loan and investment portfolios. It's all about managing these outflows effectively to boost that bottom line.

The most significant cost component, as expected for a bank, is the interest paid to depositors and lenders. For the fiscal year ended June 30, 2025, the Interest expense on deposits totaled \$11,441 thousand, down from \$11,998 thousand in the prior year. This aligns with the strategic focus of reducing high-cost funding, specifically the reported action of reducing high-cost time deposits by \$27.5 million in FY25.

Total interest expense for the year ended June 30, 2025, was \$11,791 thousand. This figure includes interest paid on deposits plus other borrowings, such as Federal Home Loan Bank advances, which were zero for the period.

Next up are the Non-Interest Expenses, which saw a favorable trend for the year ended June 30, 2025. Total non-interest expense decreased by \$278 thousand compared to fiscal 2024.

Here's a breakdown of key non-interest cost drivers:

• - Personnel and compensation costs saw a notable reduction, with compensation and benefits expense decreasing by \$584 thousand for the year ended June 30, 2025, versus fiscal 2024.
• - For executive oversight, the compensation expense recorded for the Supplemental Executive Retirement Agreement for fiscal 2025 was \$47,609.
• - Occupancy and equipment costs are a steady drain, though a decrease of \$7 thousand was noted for the three months ended December 31, 2024, compared to the prior year's quarter.

General and administrative expenses cover a wide range of operational necessities, including regulatory compliance and technology. You can see several expense lines contributing to the overall non-interest expense reduction in FY25:

Expense Category (Year Ended June 30, 2025 vs. 2024 Change)	Amount of Decrease (in thousands)
Compensation and Benefits Expense	\$584 thousand
Franchise and Bank Shares Tax Expense	\$217 thousand
Advertising Expense	\$215 thousand
Professional Fees	\$62 thousand
Deposit Insurance Premium Expense	\$46 thousand

The management team is clearly focused on controlling these overheads. Honestly, seeing compensation and benefits expense drop by over half a million dollars while simultaneously managing regulatory and IT costs is a good sign of operational discipline.

The general and administrative costs also showed specific movements in the earlier part of the fiscal year, for the three months ended December 31, 2024, versus 2023:

• - Other non-interest expense fell by \$132 thousand.
• - Audit and examination fees were down by \$80 thousand.
• - Occupancy and equipment expense saw a minor reduction of \$7 thousand.

If you're tracking this closely, Finance: draft 13-week cash view by Friday to see how these expense trends are holding up into Q1 2026.

Home Federal Bancorp, Inc. of Louisiana (HFBL) - Canvas Business Model: Revenue Streams

The revenue streams for Home Federal Bancorp, Inc. of Louisiana (HFBL) are fundamentally driven by traditional banking activities, centered on the spread between interest earned on assets and interest paid on liabilities, supplemented by fee-based services.

The core measure of profitability from this spread is the Net Interest Income (NII). For the fiscal year ended June 30, 2025, Home Federal Bancorp, Inc. of Louisiana reported NII of \$18.7 million, which represented a decrease of \$280,000, or 1.5%, compared to fiscal year 2024's NII of \$19.0 million. This annual decrease was primarily driven by a \$1.4 million reduction in total interest income, partially offset by a \$1.1 million decrease in total interest expense. The average balance of interest-earning assets for the year ended June 30, 2025, stood at \$577.2 million. Overall Total Revenue (TTM) as of late 2025 was reported at \$21.71 Million USD.

Interest income is generated predominantly from the loan portfolio, which at June 30, 2025, totaled \$461.0 million, representing 75.64% of total assets. You can see the composition of this key interest-earning asset class below:

Loan Category	Balance at June 30, 2025	Percentage of Total Loans
One-to-Four Family Residential Loans	\$175.0 million	37.59%
Commercial Real Estate Loans	\$138.9 million	29.84%
Other Loans (Commercial Business, Land, Construction, Consumer, etc.)	\$147.1 million (Calculated)	32.57% (Calculated)

The second major component of revenue is Non-interest income, which is derived from service charges, fees, and other non-lending activities. For the year ended June 30, 2025, non-interest income increased by \$421,000 compared to the prior year. Looking specifically at the three months ended June 30, 2025, the increase in non-interest income was \$173,000. This quarterly increase was detailed by specific fee sources:

• - Increase in gain on sale of loans: \$122,000
• - Increase in service charges on deposit accounts: \$30,000
• - Increase in other non-interest income: \$19,000

The specific amount for Gain on sale of fixed-rate residential mortgage loans for the full fiscal year 2025 isn't explicitly stated separately from the general 'gain on sale of loans' figure, but the quarterly data shows this is a meaningful driver of fee income, contributing \$122,000 to the non-interest income growth in the final quarter of the fiscal year. Service charges and fees are a consistent, albeit smaller, revenue stream, with the quarterly increase of \$30,000 in service charges on deposit accounts providing a clear data point for this revenue stream.