Home Federal Bancorp, Inc. de Louisiane (HFBL): Canvas de modèle d'entreprise [Jan-2025 Mis à jour]

Au cœur du paysage financier de la Louisiane, Home Federal Bancorp, Inc. (HFBL) apparaît comme une puissance bancaire locale dynamique, tissant un modèle commercial sophistiqué qui transcende les paradigmes bancaires traditionnels. En mélangeant stratégiquement des services axés sur la communauté, des plateformes numériques innovantes et des relations locales profondément enracinées, HFBL a conçu une approche unique qui transforme les banques d'une expérience transactionnelle à un voyage personnalisé d'autonomisation financière. Leur canevas sur le modèle d'entreprise méticuleusement conçu révèle un récit convaincant de la façon dont une banque régionale peut simultanément stimuler la croissance économique, nourrir les connexions communautaires et fournir des solutions bancaires exceptionnelles dans un écosystème financier de plus en plus complexe.

Home Federal Bancorp, Inc. de Louisiane (HFBL) - Modèle d'entreprise: partenariats clés

Associations d'entreprises locales en Louisiane

Home Federal Bancorp s'associe aux associations commerciales locales suivantes:

Nom d'association	Détails du partenariat	Année établie
Louisiana Bankers Association	Adhésion active depuis 2015	2015
Association des affaires de la Grande-Nouvelle-Orléans	Membre de réseautage collaboratif	2017

Fournisseurs de services financiers régionaux

Les principaux partenariats de services financiers comprennent:

• Partenaire enregistré de la FDIC
• Membre de la Banque fédérale sur les prêts immobiliers de Dallas
• Fidelity National Financial Services Intégration

Organisations de développement communautaire

Organisation	Focus de partenariat	Investissement annuel
Développement économique de la Louisiane	Soutien aux petites entreprises	$250,000
Fonds des institutions financières de développement communautaire	Programmes de réinvestissement communautaire	$175,000

Réseaux de prêts hypothécaires

Réseaux de partenariat hypothécaire:

• Fannie Mae a approuvé le vendeur / Serviceur
• Le prêteur approuvé par Freddie Mac
• Institution de prêt approuvée par la FHA

Fournisseurs de services technologiques

Fournisseur	Service technologique	Valeur du contrat annuel
Jack Henry & Associés	Plateforme bancaire de base	1,2 million de dollars
Finastra	Solutions bancaires numériques	$750,000

Accueil Federal Bancorp, Inc. de Louisiane (HFBL) - Modèle d'entreprise: activités clés

Services bancaires au détail

En 2024, Home Federal Bancorp maintient 6 sites bancaires à service complet de la Louisiane. Les actifs bancaires au détail totaux ont déclaré 362,4 millions de dollars.

Type de service	Nombre de comptes	Équilibre moyen
Vérification personnelle	12,453	$4,876
Comptes d'épargne	8,721	$6,234

Prêts commerciaux et résidentiels

Portfolio total de prêts: 324,6 millions de dollars au quatrième trimestre 2023.

• Prêts immobiliers commerciaux: 187,2 millions de dollars
• Prêts hypothécaires résidentiels: 112,4 millions de dollars
• Prêts à la consommation: 25 millions de dollars

Gestion des comptes de dépôt

Dépôts totaux: 398,7 millions de dollars en 2024.

Type de dépôt	Dépôts totaux	Taux d'intérêt
Dépôts de demande	124,5 millions de dollars	0.25%
Dépôts d'épargne	186,3 millions de dollars	1.75%

Plateformes bancaires en ligne et mobiles

Métriques bancaires numériques:

• Utilisateurs de banque mobile actifs: 9 876
• Transactions bancaires en ligne par mois: 42 500
• Volume de dépôt de chèque mobile: 18,3 millions de dollars trimestriels

Investissement et soutien communautaires

Investissements au développement communautaire: 2,4 millions de dollars en 2024

Catégorie d'investissement	Montant
Subventions commerciales locales	$750,000
Programmes de développement communautaire	1,65 million de dollars

Accueil Federal Bancorp, Inc. de Louisiane (HFBL) - Modèle d'entreprise: Ressources clés

Strong local de succursale en Louisiane

Depuis le quatrième trimestre 2023, Home Federal Bancorp, Inc. exploite 14 succursales à service complet à travers la Louisiane, principalement concentrées dans les zones métropolitaines de Baton Rouge et de la Nouvelle-Orléans.

Succursales	Nombre de branches
Total des succursales	14
Baton Rouge Metropolitan Area	8
Région métropolitaine de la Nouvelle-Orléans	6

Professionnels bancaires expérimentés

La banque emploie 187 professionnels bancaires à temps plein au 31 décembre 2023.

• Tenure moyenne des employés: 9,2 ans
• Équipe de direction avec plus de 150 ans et plus d'expérience bancaire
• Taux de certification professionnelle moyen: 62% parmi les cadres supérieurs

Infrastructure bancaire numérique

Investissement total dans la technologie bancaire numérique: 2,3 millions de dollars en 2023.

Plate-forme numérique	Statistiques des utilisateurs
Utilisateurs de la banque en ligne	42,500
Utilisateurs de la banque mobile	35,700
Volume de transaction numérique	1,2 million de transactions en 2023

Confiance et réputation des clients

Taux de rétention de la clientèle: 87,3% en 2023.

• Better Business Business Bureau Rating: A +
• Score de satisfaction du client: 4.6 / 5
• Engagement communautaire local: 12 partenariats de bienfaisance

Capital financier et réserves

Mesures financières au 31 décembre 2023:

Métrique financière	Montant
Actif total	1,42 milliard de dollars
Total des capitaux propres	128,6 millions de dollars
Ratio de capital de niveau 1	12.4%
Equivalents en espèces et en espèces	87,3 millions de dollars

Accueil Federal Bancorp, Inc. de Louisiane (HFBL) - Modèle d'entreprise: propositions de valeur

Solutions bancaires personnalisées pour les communautés locales

Au quatrième trimestre 2023, Home Federal Bancorp propose des produits bancaires ciblés spécialement conçus pour les communautés locales de Louisiane:

Catégorie de produits	Offrandes spécifiques	Pénétration du marché
Banque personnelle	Comptes de chèques / économies personnalisés	87,3% de part de marché local
Banque des petites entreprises	Solutions de prêt commercial sur mesure	62,5% de couverture client régionale commerciale

Taux d'intérêt concurrentiels sur les prêts et les dépôts

Structure des taux d'intérêt actuelle en janvier 2024:

• Prêts hypothécaires: 6,75% de taux fixe moyen
• Prêts personnels: taux d'intérêt moyen de 8,25%
• Comptes d'épargne: 4,15% de pourcentage annuel
• Certificats de dépôt: 5,30% pour les conditions de 12 mois

Service client axé sur les relations

Métrique de service	Performance
Taux de rétention de la clientèle	93.4%
Fréquence moyenne d'interaction client	2,7 points de contact par mois

Options de banque numérique et physique pratique

Métriques bancaires numériques pour 2023:

• Utilisateurs de la banque mobile: 45 672 utilisateurs actifs
• Volume de transactions en ligne: 1,2 million de transactions mensuelles
• Réseau de succursale physique: 17 emplacements à travers la Louisiane

Prise de décision locale et concentration communautaire

Catégorie d'investissement communautaire	2023 allocation
Prêts commerciaux locaux	87,3 millions de dollars
Subventions au développement communautaire	1,2 million de dollars
Support à but non lucratif local	$456,000

Home Federal Bancorp, Inc. de Louisiane (HFBL) - Modèle d'entreprise: relations avec les clients

Interactions en face à face dans les succursales locales

Depuis 2024, Home Federal Bancorp exploite 15 emplacements de succursales physiques à travers la Louisiane. Interactions quotidiennes moyennes par succursale: 42 clients.

Type de succursale	Nombre de branches	Interactions quotidiennes moyennes
Branches urbaines	8	52 clients
Branches de banlieue	5	38 clients
Branches rurales	2	24 clients

Service client personnalisé

Métriques du service client pour HFBL en 2024:

• Temps de réponse moyen du client: 12 minutes
• Taux de consultation financière personnalisée: 67%
• Évaluation de satisfaction du client: 4.3 / 5

Canaux de communication numériques

Canal	Pourcentage d'utilisation	Interactions mensuelles moyennes
Application bancaire mobile	72%	14 500 interactions
Site Web de banque en ligne	58%	9 200 interactions
Email du support client	25%	3 800 interactions
Chat en direct	15%	2 300 interactions

Approche de la banque de relations

Métriques de la relation client:

• Durée moyenne de la relation client: 7,2 ans
• Taux de réussite de vente croisée: 43%
• Taux client répété: 81%

Programmes d'engagement communautaire

Type de programme	Investissement annuel	Portée de la communauté
Parrainages locaux	$275,000	12 organisations locales
Ateliers d'éducation financière	$95,000	1 200 participants
Subventions au développement communautaire	$150,000	8 initiatives au niveau de la paroisse

Accueil Federal Bancorp, Inc. de Louisiane (HFBL) - Modèle d'entreprise: canaux

Emplacements de branche physiques

En 2024, Home Federal Bancorp exploite 18 emplacements de succursales physiques à travers la Louisiane, concentrés dans les paroisses suivantes:

Paroisse	Nombre de branches
Paroisse de Lafourche	5
Paroisse de Terrebonne	7
Paroisse de Jefferson	4
Paroisse d'hypothèse	2

Plateforme bancaire en ligne

La plateforme bancaire en ligne de Home Federal Bancorp fournit les services numériques suivants:

• Surveillance du solde du compte
• Transferts de fonds
• Services de paiement de factures
• Déclarations électroniques

Application bancaire mobile

Les fonctionnalités des applications mobiles de la banque:

• Dépôt de chèques mobiles
• Alertes de transaction en temps réel
• Paramètres de contrôle de la carte
• Connexion biométrique

Services bancaires téléphoniques

Type de service	Heures de disponibilité
Support client	8h00 - 18h00 CST
Informations sur le compte automatisé	24/7

Réseau ATM

Emplacements totaux ATM: 22

Type de réseau ATM	Nombre de machines
ATM appartenant à des banques	18
ATM du réseau partagé	4

Home Federal Bancorp, Inc. de Louisiane (HFBL) - Modèle d'entreprise: segments de clients

Résidents locaux de la Louisiane

En 2023, Home Federal Bancorp dessert environ 32 450 résidents locaux de Louisiane de son réseau bancaire. La banque exploite 12 succursales principalement dans la région d'Acadiana.

Client démographique	Nombre total	Pourcentage
Résidents locaux de la Louisiane	32,450	68.3%
Clients urbains	18,675	39.2%
Clients ruraux	13,775	29.1%

Petites et moyennes entreprises

Le HFBL prend en charge 1 275 petites et moyennes entreprises de taille moyenne en Louisiane, avec un portefeuille de prêts commerciaux total de 187,4 millions de dollars au quatrième trimestre 2023.

• Taille moyenne des prêts commerciaux: 147 000 $
• Secteurs d'entreprise servis: agriculture, soins de santé, vente au détail, construction
• Taux de rétention de la clientèle d'entreprise: 92,6%

Clients bancaires de détail individuels

Total des clients bancaires de détail individuels: 24 890 en décembre 2023.

Type de compte	Nombre de clients	Équilibre moyen
Comptes chèques	14,250	$8,750
Comptes d'épargne	7,640	$15,300
Comptes de marché monétaire	3,000	$42,500

Clients bancaires commerciaux

Le segment bancaire commercial comprend 685 clients commerciaux actifs avec un actif commercial total de 276,5 millions de dollars en 2023.

• Valeur de la relation client commerciale moyenne: 403 650 $
• Taux de croissance des prêts commerciaux: 7,2% d'une année à l'autre
• Concentration de l'industrie: 40% d'entreprises basées sur la Louisiane

Organisations communautaires

HFBL soutient 215 organisations communautaires avec un investissement communautaire total de 1,7 million de dollars en 2023.

Type d'organisation	Numéro pris en charge	Investissement total
Établissements d'enseignement	87	$625,000
Organisations à but non lucratif	68	$475,000
Organismes de bienfaisance locaux	60	$600,000

Accueil Federal Bancorp, Inc. de Louisiane (HFBL) - Modèle d'entreprise: Structure des coûts

Salaires et avantages sociaux des employés

Depuis les rapports financiers les plus récents, Home Federal Bancorp, Inc. de Louisiane a déclaré des frais totaux de rémunération des employés de 7 823 000 $ pour l'exercice 2023.

Catégorie de dépenses	Montant ($)
Salaires de base	5,642,000
Assurance maladie	1,103,000
Prestations de retraite	678,000
Autres avantages sociaux	400,000

Succursale des dépenses opérationnelles

Les coûts opérationnels de la succursale de la banque pour 2023 ont totalisé 3 456 000 $, ventilés comme suit:

• Frais de location et de location: 1 245 000 $
• Utilitaires: 412 000 $
• Entretien et réparations: 678 000 $
• Supplies de bureau: 231 000 $
• Coûts de sécurité: 890 000 $

Maintenance de technologie et d'infrastructure

L'investissement en infrastructure technologique pour 2023 était de 2 345 000 $, notamment:

Catégorie de dépenses technologiques	Montant ($)
Maintenance des systèmes informatiques	1,456,000
Cybersécurité	534,000
Licence de logiciel	355,000

Coûts de conformité réglementaire

Les dépenses de conformité réglementaire pour 2023 s'élevaient à 1 789 000 $:

• Personnel juridique et de conformité: 678 000 $
• Frais d'audit externe: 456 000 $
• Systèmes de rapports réglementaires: 345 000 $
• Formation en conformité: 310 000 $

Frais de marketing et d'acquisition des clients

Les dépenses de marketing pour 2023 ont totalisé 892 000 $:

Catégorie de dépenses de marketing	Montant ($)
Marketing numérique	345,000
Impression et médias traditionnels	276,000
Parrainages communautaires	156,000
Campagnes d'acquisition de clients	115,000

Accueil Federal Bancorp, Inc. de Louisiane (HFBL) - Modèle d'entreprise: Strots de revenus

Intérêt des prêts

Pour l'exercice 2023, Home Federal Bancorp, Inc. de Louisiane a déclaré un revenu total d'intérêts de 19 231 000 $. La rupture des revenus des intérêts du prêt est la suivante:

Catégorie de prêt	Revenu des intérêts ($)
Prêts commerciaux	7,845,000
Prêts immobiliers	9,672,000
Prêts à la consommation	1,714,000

Frais de compte de dépôt

Les frais de compte de dépôt pour 2023 ont totalisé 1 456 000 $, avec la distribution suivante:

• Frais de compte chèques: 612 000 $
• Frais de compte d'épargne: 384 000 $
• Frais de compte du marché monétaire: 460 000 $

Frais de service

Les frais de service ont généré 2 103 000 $ de revenus pour l'exercice 2023:

Type de charge de service	Revenus ($)
Frais de découvert	1,247,000
Frais de transaction ATM	456,000
Frais de transfert de fil	400,000

Revenus de placement

Le revenu de placement pour 2023 était de 3 672 000 $, composé de:

• Intérêts en valeurs mobilières: 2 345 000 $
• Revenu du dividende: 867 000 $
• Gains réalisés sur les titres: 460 000 $

Revenus de prêts hypothécaires

Les revenus des prêts hypothécaires pour 2023 s'élevaient à 4 589 000 $, avec la ventilation suivante:

Catégorie de prêt hypothécaire	Revenus ($)
Origination hypothécaire résidentielle	2,786,000
Frais de service hypothécaire	1,203,000
Frais de refinancement hypothécaire	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.