Home Federal Bancorp, Inc. de Louisiana (HFBL): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

En el corazón del panorama financiero de Louisiana, Home Federal Bancorp, Inc. (HFBL) surge como una potencia bancaria local dinámica, tejiendo un modelo de negocio sofisticado que trasciende los paradigmas bancarios tradicionales. Al combinar estratégicamente los servicios centrados en la comunidad, las plataformas digitales innovadoras y las relaciones locales profundamente arraigadas, HFBL ha creado un enfoque único que transforma la banca de una experiencia transaccional a un viaje personalizado de empoderamiento financiero. Su lienzo de modelo de negocio meticulosamente diseñado revela una narración convincente de cómo un banco regional puede impulsar simultáneamente el crecimiento económico, nutrir las conexiones comunitarias y ofrecer soluciones bancarias excepcionales en un ecosistema financiero cada vez más complejo.

Home Federal Bancorp, Inc. de Louisiana (HFBL) - Modelo de negocios: asociaciones clave

Asociaciones comerciales locales en Louisiana

Home Federal Bancorp se asocia con las siguientes asociaciones comerciales locales:

Nombre de la asociación	Detalles de la asociación	Año establecido
Asociación de banqueros de Louisiana	Membresía activa desde 2015	2015
Asociación de negocios de Greater New Orleans	Miembro colaborativo de redes	2017

Proveedores de servicios financieros regionales

Las asociaciones clave del servicio financiero incluyen:

• Socio registrado de la FDIC
• Miembro del Banco Federal de Préstamos para la Obrazo de Dallas
• Integración de servicios financieros nacionales de Fidelity National

Organizaciones de desarrollo comunitario

Organización	Enfoque de asociación	Inversión anual
Desarrollo económico de Louisiana	Soporte de pequeñas empresas	$250,000
Fondo de instituciones financieras de desarrollo comunitario	Programas de reinversión comunitaria	$175,000

Redes de préstamos hipotecarios

Redes de asociación hipotecaria:

• Vendedor/Servidor aprobado por Fannie Mae
• Prestamista aprobado por Freddie Mac
• Institución de préstamos aprobado por la FHA

Proveedores de servicios de tecnología

Proveedor	Servicio tecnológico	Valor anual del contrato
Jack Henry & Asociado	Plataforma bancaria central	$ 1.2 millones
Finastra	Soluciones de banca digital	$750,000

Home Federal Bancorp, Inc. de Louisiana (HFBL) - Modelo de negocio: actividades clave

Servicios de banca minorista

A partir de 2024, Home Federal Bancorp mantiene 6 lugares de banca de servicio completo en Louisiana. Los activos bancarios minoristas totales informaron en $ 362.4 millones.

Tipo de servicio	Número de cuentas	Saldo promedio
Comprobación personal	12,453	$4,876
Cuentas de ahorro	8,721	$6,234

Préstamos comerciales y residenciales

Portafolio de préstamos totales: $ 324.6 millones a partir del cuarto trimestre de 2023.

• Préstamos inmobiliarios comerciales: $ 187.2 millones
• Préstamos hipotecarios residenciales: $ 112.4 millones
• Préstamos al consumidor: $ 25 millones

Gestión de cuentas de depósito

Depósitos totales: $ 398.7 millones en 2024.

Tipo de depósito	Depósitos totales	Tasa de interés
Depósitos de demanda	$ 124.5 millones	0.25%
Depósitos de ahorro	$ 186.3 millones	1.75%

Plataformas de banca en línea y móvil

Métricas bancarias digitales:

• Usuarios de banca móvil activa: 9.876
• Transacciones bancarias en línea por mes: 42,500
• Volumen de depósito de cheques móviles: $ 18.3 millones trimestrales

Inversión y apoyo comunitario

Inversiones de desarrollo comunitario: $ 2.4 millones en 2024

Categoría de inversión	Cantidad
Subvenciones de negocios locales	$750,000
Programas de desarrollo comunitario	$ 1.65 millones

Home Federal Bancorp, Inc. de Louisiana (HFBL) - Modelo de negocios: recursos clave

Red de sucursales locales sólidas en Louisiana

A partir del cuarto trimestre de 2023, Home Federal Bancorp, Inc. opera 14 ubicaciones de sucursales de servicio completo en Louisiana, concentradas principalmente en las áreas metropolitanas de Baton Rouge y Nueva Orleans.

Ubicaciones de ramas	Número de ramas
Total de ramas	14
Área metropolitana de Baton Rouge	8
Área metropolitana de Nueva Orleans	6

Profesionales bancarios experimentados

El banco emplea a 187 profesionales bancarios a tiempo completo al 31 de diciembre de 2023.

• Promedio de la tenencia del empleado: 9.2 años
• Equipo de gestión con más de 150 años de experiencia bancaria
• Tasa promedio de certificación profesional: 62% entre el personal superior

Infraestructura bancaria digital

Inversión total en tecnología de banca digital: $ 2.3 millones en 2023.

Plataforma digital	Estadísticas de usuario
Usuarios bancarios en línea	42,500
Usuarios de banca móvil	35,700
Volumen de transacción digital	1,2 millones de transacciones en 2023

Confianza y reputación del cliente

Tasa de retención de clientes: 87.3% a partir de 2023.

• Mejor calificación de la oficina de negocios: A+
• Puntuación de satisfacción del cliente: 4.6/5
• Compromiso de la comunidad local: 12 asociaciones benéficas

Capital financiero y reservas

Métricas financieras al 31 de diciembre de 2023:

Métrica financiera	Cantidad
Activos totales	$ 1.42 mil millones
Equidad total	$ 128.6 millones
Relación de capital de nivel 1	12.4%
Equivalentes de efectivo y efectivo	$ 87.3 millones

Home Federal Bancorp, Inc. de Louisiana (HFBL) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para comunidades locales

A partir del cuarto trimestre de 2023, Home Federal Bancorp ofrece productos bancarios específicos diseñados específicamente para las comunidades locales de Louisiana:

Categoría de productos	Ofertas específicas	Penetración del mercado
Banca personal	Cuentas de corriente/ahorros personalizadas	87.3% de participación de mercado local
Banca de pequeñas empresas	Soluciones de préstamos comerciales a medida	62.5% de cobertura regional de clientes comerciales

Tasas de interés competitivas sobre préstamos y depósitos

Estructura actual de tasa de interés a partir de enero de 2024:

• Préstamos hipotecarios: 6.75% Tasa fija promedio
• Préstamos personales: tasa de interés promedio de 8.25%
• Cuentas de ahorro: 4.15% de rendimiento porcentual anual
• Certificados de depósito: 5.30% para términos de 12 meses

Servicio al cliente basado en relaciones

Métrico de servicio	Actuación
Tasa de retención de clientes	93.4%
Frecuencia promedio de interacción con el cliente	2.7 puntos de contacto por mes

Opciones de banca digital y física convenientes

Métricas de banca digital para 2023:

• Usuarios de banca móvil: 45,672 usuarios activos
• Volumen de transacciones en línea: 1.2 millones de transacciones mensuales
• Red de sucursales físicas: 17 ubicaciones en Louisiana

Toma de decisiones locales y enfoque comunitario

Categoría de inversión comunitaria	Asignación 2023
Préstamos comerciales locales	$ 87.3 millones
Subvenciones de desarrollo comunitario	$ 1.2 millones
Soporte local sin fines de lucro	$456,000

Home Federal Bancorp, Inc. de Louisiana (HFBL) - Modelo de negocios: relaciones con los clientes

Interacciones cara a cara en ramas locales

A partir de 2024, Home Federal Bancorp opera 15 ubicaciones de sucursales físicas en Louisiana. Interacciones diarias promedio de clientes por rama: 42 clientes.

Tipo de rama	Número de ramas	Interacciones diarias promedio
Ramas urbanas	8	52 clientes
Ramas suburbanas	5	38 clientes
Ramas rurales	2	24 clientes

Servicio al cliente personalizado

Métricas de servicio al cliente para HFBL en 2024:

• Tiempo promedio de respuesta al cliente: 12 minutos
• Tasa de consulta financiera personalizada: 67%
• Calificación de satisfacción del cliente: 4.3/5

Canales de comunicación digital

Canal	Porcentaje de uso	Interacciones mensuales promedio
Aplicación de banca móvil	72%	14,500 interacciones
Sitio web de banca en línea	58%	9.200 interacciones
Correo electrónico de soporte al cliente	25%	3.800 interacciones
Chat en vivo	15%	2.300 interacciones

Enfoque de banca de relación

Métricas de la relación con el cliente:

• Duración promedio de la relación con el cliente: 7.2 años
• Tasa de éxito de venta cruzada: 43%
• Tasa de cliente repetida: 81%

Programas de participación comunitaria

Tipo de programa	Inversión anual	Comunicación alcance
Patrocinios locales	$275,000	12 organizaciones locales
Talleres de educación financiera	$95,000	1.200 participantes
Subvenciones de desarrollo comunitario	$150,000	8 iniciativas a nivel parroquial

Home Federal Bancorp, Inc. de Louisiana (HFBL) - Modelo de negocios: canales

Ubicaciones de ramas físicas

A partir de 2024, el hogar federal Bancorp opera 18 ubicaciones de sucursales físicas en Louisiana, concentrado en las siguientes parroquias:

Parroquia	Número de ramas
Parroquia de Lafourche	5
Parroquia de terrebonne	7
Parroquia de Jefferson	4
Parroquia de asunción	2

Plataforma bancaria en línea

La plataforma bancaria en línea de Home Federal Bancorp proporciona los siguientes servicios digitales:

• Monitoreo del saldo de la cuenta
• Transferencias de fondos
• Servicios de pago de facturas
• Declaraciones electrónicas

Aplicación de banca móvil

Las características de la aplicación móvil del banco:

• Depósito de cheque móvil
• Alertas de transacciones en tiempo real
• Configuración de control de tarjetas
• Inicio de sesión biométrico

Servicios de banca telefónica

Tipo de servicio	Horas de disponibilidad
Soporte al cliente	8:00 am - 6:00 pm CST
Información automatizada de la cuenta	24/7

Red de cajeros automáticos

Total de ubicaciones de cajeros automáticos: 22

Tipo de red ATM	Número de máquinas
Cajeros automáticos	18
ATM de red compartidos	4

Home Federal Bancorp, Inc. de Louisiana (HFBL) - Modelo de negocio: segmentos de clientes

Residentes locales de Louisiana

A partir de 2023, el hogar federal Bancorp atiende a aproximadamente 32,450 residentes locales de Louisiana en su red bancaria. El banco opera 12 ubicaciones de sucursales principalmente en la región de Acadiana.

Demográfico del cliente	Número total	Porcentaje
Residentes locales de Louisiana	32,450	68.3%
Clientes urbanos	18,675	39.2%
Clientes rurales	13,775	29.1%

Empresas pequeñas a medianas

HFBL admite 1,275 empresas pequeñas a medianas dentro de Louisiana, con una cartera de préstamos comerciales totales de $ 187.4 millones al cuarto trimestre de 2023.

• Tamaño promedio del préstamo comercial: $ 147,000
• Sectores de negocios atendidos: agricultura, atención médica, venta minorista, construcción
• Tasa de retención de clientes comerciales: 92.6%

Clientes de banca minorista individual

Total de clientes de banca minorista individual: 24,890 a diciembre de 2023.

Tipo de cuenta	Número de clientes	Saldo promedio
Cuentas corrientes	14,250	$8,750
Cuentas de ahorro	7,640	$15,300
Cuentas del mercado monetario	3,000	$42,500

Clientes de banca comercial

El segmento de banca comercial incluye 685 clientes comerciales activos con activos comerciales totales de $ 276.5 millones en 2023.

• Valor promedio de la relación de cliente comercial: $ 403,650
• Tasa de crecimiento de préstamos comerciales: 7.2% año tras año
• Concentración de la industria: 40% de negocios con sede en Louisiana

Organizaciones comunitarias

HFBL apoya a 215 organizaciones comunitarias con una inversión comunitaria total de $ 1.7 millones en 2023.

Tipo de organización	Número compatible	Inversión total
Instituciones educativas	87	$625,000
Organizaciones sin fines de lucro	68	$475,000
Organizaciones benéficas locales	60	$600,000

Home Federal Bancorp, Inc. de Louisiana (HFBL) - Modelo de negocio: Estructura de costos

Salarios y beneficios de los empleados

A partir de la información financiera más reciente, Home Federal Bancorp, Inc. de Louisiana reportó gastos totales de compensación de empleados de $ 7,823,000 para el año fiscal 2023.

Categoría de gastos	Monto ($)
Salarios base	5,642,000
Seguro médico	1,103,000
Beneficios de jubilación	678,000
Otros beneficios para empleados	400,000

Gastos operativos de rama

Los costos operativos de la sucursal del banco para 2023 totalizaron $ 3,456,000, desglosados ​​de la siguiente manera:

• Gastos de alquiler y arrendamiento: $ 1,245,000
• Utilidades: $ 412,000
• Mantenimiento y reparaciones: $ 678,000
• Suministros de oficina: $ 231,000
• Costos de seguridad: $ 890,000

Mantenimiento de tecnología e infraestructura

La inversión en infraestructura tecnológica para 2023 fue de $ 2,345,000, que incluye:

Categoría de gastos tecnológicos	Monto ($)
Mantenimiento de sistemas de TI	1,456,000
Ciberseguridad	534,000
Licencia de software	355,000

Costos de cumplimiento regulatorio

Los gastos de cumplimiento regulatorio para 2023 ascendieron a $ 1,789,000:

• Personal legal y de cumplimiento: $ 678,000
• Tarifas de auditoría externa: $ 456,000
• Sistemas de informes regulatorios: $ 345,000
• Capacitación de cumplimiento: $ 310,000

Gastos de marketing y adquisición de clientes

Los gastos de marketing para 2023 totalizaron $ 892,000:

Categoría de gastos de marketing	Monto ($)
Marketing digital	345,000
Impresión y medios tradicionales	276,000
Patrocinios comunitarios	156,000
Campañas de adquisición de clientes	115,000

Home Federal Bancorp, Inc. de Louisiana (HFBL) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de préstamos

Para el año fiscal 2023, Home Federal Bancorp, Inc. de Louisiana reportó ingresos por intereses totales de $ 19,231,000. El desglose de los ingresos por intereses del préstamo es el siguiente:

Categoría de préstamo	Ingresos de intereses ($)
Préstamos comerciales	7,845,000
Préstamos inmobiliarios	9,672,000
Préstamos al consumo	1,714,000

Tarifas de cuenta de depósito

Las tarifas de la cuenta de depósito para 2023 totalizaron $ 1,456,000, con la siguiente distribución:

• Tarifas de la cuenta corriente: $ 612,000
• Tarifas de la cuenta de ahorro: $ 384,000
• Tarifas de la cuenta del mercado monetario: $ 460,000

Cargos de servicio

Los cargos de servicio generaron $ 2,103,000 en ingresos para el año fiscal 2023:

Tipo de carga de servicio	Ingresos ($)
Tarifas de sobregiro	1,247,000
Tarifas de transacción de cajeros automáticos	456,000
Tarifas de transferencia de cables	400,000

Ingresos de inversión

El ingreso de inversión para 2023 fue de $ 3,672,000, compuesto por:

• Intereses de valores: $ 2,345,000
• Ingresos de dividendos: $ 867,000
• Ganaciones realizadas en valores: $ 460,000

Ingresos de préstamos hipotecarios

Los ingresos por préstamos hipotecarios para 2023 ascendieron a $ 4,589,000, con el siguiente desglose:

Categoría de préstamos hipotecarios	Ingresos ($)
Originación de la hipoteca residencial	2,786,000
Tarifas de servicio hipotecario	1,203,000
Tarifas de refinanciación hipotecaria	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.