Home Federal Bancorp, Inc. da Louisiana (HFBL): Modelo de Negócios Canvas [Jan-2025 Atualizado]

No coração do cenário financeiro da Louisiana, o Home Federal Bancorp, Inc. (HFBL) surge como uma potência bancária local dinâmica, tecendo um modelo de negócios sofisticado que transcende os paradigmas bancários tradicionais. Ao misturar estrategicamente serviços focados na comunidade, plataformas digitais inovadoras e relacionamentos locais profundamente enraizados, a HFBL criou uma abordagem única que transforma o banco de uma experiência transacional em uma jornada personalizada de empoderamento financeiro. Sua tela de modelo de negócios meticulosamente projetada revela uma narrativa convincente de como um banco regional pode impulsionar simultaneamente o crescimento econômico, nutrir conexões comunitárias e fornecer soluções bancárias excepcionais em um ecossistema financeiro cada vez mais complexo.

Home Federal Bancorp, Inc. da Louisiana (HFBL) - Modelo de Negócios: Principais Parcerias

Associações comerciais locais na Louisiana

O Home Federal Bancorp faz parceria com as seguintes associações comerciais locais:

Nome da associação	Detalhes da parceria	Ano estabelecido
Associação de Banqueiros da Louisiana	Associação ativa desde 2015	2015
Greater New Orleans Business Association	Membro de rede colaborativa	2017

Provedores de serviços financeiros regionais

As principais parcerias de serviço financeiro incluem:

• Parceiro registrado do FDIC
• Membro do Banco Federal de Empréstimos à Criação de Dallas
• Fidelity National Financial Services Integration

Organizações de desenvolvimento comunitário

Organização	Foco em parceria	Investimento anual
Desenvolvimento Econômico da Louisiana	Suporte para pequenas empresas	$250,000
Fundo de Instituições Financeiras de Desenvolvimento Comunitário	Programas de reinvestimento da comunidade	$175,000

Redes de empréstimos hipotecários

Redes de parceria hipotecária:

• Fannie Mae, vendedor/serviço aprovado
• Freddie Mac aprovado pelo credor
• Instituição de empréstimo aprovada pela FHA

Fornecedores de serviços de tecnologia

Fornecedor	Serviço de Tecnologia	Valor anual do contrato
Jack Henry & Associados	Plataforma bancária principal	US $ 1,2 milhão
Finsastra	Soluções bancárias digitais	$750,000

Home Federal Bancorp, Inc. da Louisiana (HFBL) - Modelo de negócios: Atividades -chave

Serviços bancários de varejo

A partir de 2024, o Home Federal Bancorp mantém 6 locais bancários de serviço completo em toda a Louisiana. Total de ativos bancários de varejo relatados em US $ 362,4 milhões.

Tipo de serviço	Número de contas	Balanço médio
Verificação pessoal	12,453	$4,876
Contas de poupança	8,721	$6,234

Empréstimos comerciais e residenciais

Portfólio de empréstimos Total: US $ 324,6 milhões a partir do quarto trimestre 2023.

• Empréstimos imobiliários comerciais: US $ 187,2 milhões
• Empréstimos de hipoteca residencial: US $ 112,4 milhões
• Empréstimos ao consumidor: US $ 25 milhões

Gerenciamento de conta de depósito

Total de depósitos: US $ 398,7 milhões em 2024.

Tipo de depósito	Total de depósitos	Taxa de juro
Depósitos de demanda	US $ 124,5 milhões	0.25%
Depósitos de poupança	US $ 186,3 milhões	1.75%

Plataformas bancárias online e móveis

Métricas bancárias digitais:

• Usuários de bancos móveis ativos: 9.876
• Transações bancárias online por mês: 42.500
• Volume de depósito de cheque móvel: US $ 18,3 milhões trimestrais

Investimento e suporte comunitário

Investimentos de desenvolvimento comunitário: US $ 2,4 milhões em 2024

Categoria de investimento	Quantia
Subsídios de negócios locais	$750,000
Programas de desenvolvimento comunitário	US $ 1,65 milhão

Home Federal Bancorp, Inc. da Louisiana (HFBL) - Modelo de negócios: Recursos -chave

Forte Rede Local de Ramo na Louisiana

A partir do quarto trimestre 2023, a Home Federal Bancorp, Inc. opera 14 locais de serviço completo em toda a Louisiana, concentrados principalmente nas áreas metropolitanas de Baton Rouge e de Nova Orleans.

Locais da filial	Número de ramificações
Filiais totais	14
Área metropolitana de Baton Rouge	8
Área metropolitana de Nova Orleans	6

Profissionais bancários experientes

O banco emprega 187 profissionais bancários em tempo integral em 31 de dezembro de 2023.

• Posse média dos funcionários: 9,2 anos
• Equipe de gerenciamento com mais de 150 anos de experiência bancária
• Taxa média de certificação profissional: 62% entre a equipe sênior

Infraestrutura bancária digital

Investimento total em tecnologia bancária digital: US $ 2,3 milhões em 2023.

Plataforma digital	Estatísticas do usuário
Usuários bancários online	42,500
Usuários bancários móveis	35,700
Volume de transação digital	1,2 milhão de transações em 2023

Confiança e reputação do cliente

Taxa de retenção de clientes: 87,3% a partir de 2023.

• Melhor classificação do departamento de negócios: a+
• Pontuação de satisfação do cliente: 4,6/5
• Engajamento da comunidade local: 12 parcerias de caridade

Capital financeiro e reservas

Métricas financeiras em 31 de dezembro de 2023:

Métrica financeira	Quantia
Total de ativos	US $ 1,42 bilhão
Patrimônio total	US $ 128,6 milhões
Índice de capital de camada 1	12.4%
Caixa e equivalentes de dinheiro	US $ 87,3 milhões

Home Federal Bancorp, Inc. da Louisiana (HFBL) - Modelo de Negócios: Proposições de Valor

Soluções bancárias personalizadas para comunidades locais

A partir do quarto trimestre 2023, o Home Federal Bancorp oferece produtos bancários direcionados especificamente projetados para comunidades locais da Louisiana:

Categoria de produto	Ofertas específicas	Penetração de mercado
Bancos pessoais	Contas de verificação/poupança personalizadas	87,3% de participação de mercado local
Bancos de pequenas empresas	Soluções de empréstimos comerciais personalizados	62,5% de cobertura regional de clientes

Taxas de juros competitivas em empréstimos e depósitos

Estrutura atual da taxa de juros em janeiro de 2024:

• Empréstimos hipotecários: 6,75% de taxa fixa média
• Empréstimos pessoais: 8,25% de taxa de juros
• Contas de poupança: 4,15% de rendimento por percentual anual
• Certificados de depósito: 5,30% para termos de 12 meses

Atendimento ao cliente orientado por relacionamento

Métrica de serviço	Desempenho
Taxa de retenção de clientes	93.4%
Frequência média de interação do cliente	2,7 pontos de contato por mês

Opções bancárias digitais e físicas convenientes

Métricas bancárias digitais para 2023:

• Usuários bancários móveis: 45.672 usuários ativos
• Volume de transações online: 1,2 milhão de transações mensais
• Rede de filial física: 17 locais em toda a Louisiana

Tomada de decisão local e foco da comunidade

Categoria de investimento comunitário	2023 Alocação
Empréstimos comerciais locais	US $ 87,3 milhões
Subsídios de desenvolvimento comunitário	US $ 1,2 milhão
Suporte local sem fins lucrativos	$456,000

Home Federal Bancorp, Inc. da Louisiana (HFBL) - Modelo de Negócios: Relacionamentos ao Cliente

Interações presenciais nas filiais locais

A partir de 2024, o Home Federal Bancorp opera 15 localizações de filiais físicas em toda a Louisiana. Interações médias diárias do cliente por filial: 42 clientes.

Tipo de ramificação	Número de ramificações	Interações diárias médias
Ramos urbanos	8	52 clientes
Ramos suburbanos	5	38 clientes
Ramos rurais	2	24 clientes

Atendimento ao cliente personalizado

Métricas de atendimento ao cliente para HFBL em 2024:

• Tempo médio de resposta ao cliente: 12 minutos
• Taxa de consulta financeira personalizada: 67%
• Classificação de satisfação do cliente: 4.3/5

Canais de comunicação digital

Canal	Porcentagem de uso	Interações mensais médias
Aplicativo bancário móvel	72%	14.500 interações
Site bancário online	58%	9.200 interações
Email de suporte ao cliente	25%	3.800 interações
Bate -papo ao vivo	15%	2.300 interações

Abordagem bancária de relacionamento

Métricas de relacionamento com o cliente:

• Duração média do relacionamento do cliente: 7,2 anos
• Taxa de sucesso da venda cruzada: 43%
• Taxa repetida do cliente: 81%

Programas de envolvimento da comunidade

Tipo de programa	Investimento anual	Alcance da comunidade
Patrocínios locais	$275,000	12 organizações locais
Oficinas de educação financeira	$95,000	1.200 participantes
Subsídios de desenvolvimento comunitário	$150,000	8 Iniciativas no nível da paróquia

Home Federal Bancorp, Inc. da Louisiana (HFBL) - Modelo de Negócios: Canais

Locais de ramificação física

A partir de 2024, o Home Federal Bancorp opera 18 localizações de filiais físicas em toda a Louisiana, concentradas nas seguintes paróquias:

Freguesia	Número de ramificações
Paróquia de Lafourche	5
Paróquia de Terrebonne	7
Paróquia de Jefferson	4
Paróquia de suposição	2

Plataforma bancária online

A plataforma bancária on -line do Home Federal Bancorp fornece os seguintes serviços digitais:

• Monitoramento do saldo da conta
• Transferências de fundos
• Serviços de pagamento da conta
• Declarações eletrônicas

Aplicativo bancário móvel

Os recursos de aplicativo móvel do banco:

• Depósito de cheque móvel
• Alertas de transações em tempo real
• Configurações de controle de cartões
• Login biométrico

Serviços bancários telefônicos

Tipo de serviço	Horário de disponibilidade
Suporte ao cliente	8:00 - 18:00 CST
Informações da conta automatizada	24/7

Rede ATM

Locais totais de atm: 22

Tipo de rede ATM	Número de máquinas
Caixas eletrônicos de propriedade de bancos	18
Caixas eletrônicos de rede compartilhada	4

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

Residentes locais da Louisiana

A partir de 2023, o Home Federal Bancorp atende aproximadamente 32.450 residentes locais da Louisiana em sua rede bancária. O Banco opera 12 localizações da filial principalmente na região de Acadiana.

Demografia demográfica do cliente	Número total	Percentagem
Residentes locais da Louisiana	32,450	68.3%
Clientes urbanos	18,675	39.2%
Clientes rurais	13,775	29.1%

Pequenas e médias empresas

A HFBL suporta 1.275 empresas pequenas e médias na Louisiana, com o portfólio total de empréstimos comerciais de US $ 187,4 milhões a partir do quarto trimestre de 2023.

• Tamanho médio de empréstimo comercial: US $ 147.000
• Os setores de negócios serviram: agricultura, saúde, varejo, construção
• Taxa de retenção de clientes de negócios: 92,6%

Clientes bancários de varejo individuais

Total de clientes de banco de varejo individuais: 24.890 em dezembro de 2023.

Tipo de conta	Número de clientes	Balanço médio
Contas de verificação	14,250	$8,750
Contas de poupança	7,640	$15,300
Contas do mercado monetário	3,000	$42,500

Clientes bancários comerciais

O segmento bancário comercial inclui 685 clientes comerciais ativos com ativos comerciais totais de US $ 276,5 milhões em 2023.

• Valor médio de relacionamento comercial do cliente: $ 403.650
• Taxa de crescimento de empréstimos comerciais: 7,2% ano a ano
• Concentração da indústria: 40% de empresas baseadas na Louisiana

Organizações comunitárias

A HFBL suporta 215 organizações comunitárias com investimento total da comunidade de US $ 1,7 milhão em 2023.

Tipo de organização	Número suportado	Investimento total
Instituições educacionais	87	$625,000
Organizações sem fins lucrativos	68	$475,000
Instituições de caridade locais	60	$600,000

Home Federal Bancorp, Inc. da Louisiana (HFBL) - Modelo de negócios: Estrutura de custos

Salários e benefícios dos funcionários

A partir dos relatórios financeiros mais recentes, a Home Federal Bancorp, Inc. da Louisiana registrou despesas totais de remuneração de funcionários de US $ 7.823.000 para o ano fiscal de 2023.

Categoria de despesa	Valor ($)
Salários da base	5,642,000
Seguro de saúde	1,103,000
Benefícios de aposentadoria	678,000
Outros benefícios dos funcionários	400,000

Despesas operacionais de ramificação

Os custos operacionais da agência do banco para 2023 totalizaram US $ 3.456.000, quebrados da seguinte forma:

• Despesas de aluguel e arrendamento: US $ 1.245.000
• Utilitários: US $ 412.000
• Manutenção e reparos: US $ 678.000
• Suprimentos de escritório: US $ 231.000
• Custos de segurança: US $ 890.000

Manutenção de tecnologia e infraestrutura

O investimento em infraestrutura tecnológica para 2023 foi de US $ 2.345.000, incluindo:

Categoria de despesa de tecnologia	Valor ($)
Manutenção de sistemas de TI	1,456,000
Segurança cibernética	534,000
Licenciamento de software	355,000

Custos de conformidade regulatória

As despesas de conformidade regulatória de 2023 totalizaram US $ 1.789.000:

• Equipe legal e de conformidade: US $ 678.000
• Taxas de auditoria externa: $ 456.000
• Sistemas de relatórios regulatórios: US $ 345.000
• Treinamento de conformidade: US $ 310.000

Despesas de marketing e aquisição de clientes

As despesas de marketing para 2023 totalizaram US $ 892.000:

Categoria de despesa de marketing	Valor ($)
Marketing digital	345,000
Mídia impressa e tradicional	276,000
Patrocínio da comunidade	156,000
Campanhas de aquisição de clientes	115,000

Home Federal Bancorp, Inc. da Louisiana (HFBL) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos

Para o ano fiscal de 2023, a Home Federal Bancorp, Inc. da Louisiana reportou receita total de juros de US $ 19.231.000. A repartição da receita de juros do empréstimo é a seguinte:

Categoria de empréstimo	Receita de juros ($)
Empréstimos comerciais	7,845,000
Empréstimos imobiliários	9,672,000
Empréstimos ao consumidor	1,714,000

Taxas de conta de depósito

As taxas de conta de depósito para 2023 totalizaram US $ 1.456.000, com a seguinte distribuição:

• Taxas de conta corrente: $ 612.000
• Taxas da conta poupança: $ 384.000
• Taxas de conta do mercado monetário: US $ 460.000

Cobranças de serviço

As cobranças de serviço geraram US $ 2.103.000 em receita para o ano fiscal de 2023:

Tipo de cobrança de serviço	Receita ($)
Taxas de cheque especial	1,247,000
Taxas de transação ATM	456,000
Taxas de transferência de fio	400,000

Receita de investimento

A receita de investimento para 2023 foi de US $ 3.672.000, composta por:

• Juros de valores mobiliários: US $ 2.345.000
• Receita de dividendos: US $ 867.000
• Ganhos realizados em valores mobiliários: US $ 460.000

Receita de empréstimos hipotecários

As receitas de empréstimos hipotecários para 2023 totalizaram US $ 4.589.000, com a seguinte quebra:

Categoria de empréstimos hipotecários	Receita ($)
Origem da hipoteca residencial	2,786,000
Taxas de manutenção de hipotecas	1,203,000
Taxas de refinanciamento de hipotecas	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.