---
schema_version: "secwatch.filing_event.v1"
accession: "0000927089-23-000133"
form_type: "8-K"
ticker: "HFBL"
cik: "0001500375"
company_name: "Home Federal Bancorp, Inc. of Louisiana"
filed_at: "2023-10-30T23:59:59+00:00"
generated_at: "2026-06-09T05:51:34.612824+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Home Federal Bancorp Q1 net income falls 29% to $1.2M; EPS $0.40 vs $0.55

## Summary
- Net income $1.2M vs $1.7M YoY; diluted EPS $0.39 vs $0.52.
- Net interest margin 3.37% (down from 3.90%); spread 2.68% vs 3.74%.
- Loans grew $17.1M to $506.6M; nonperforming assets $1.8M (0.28% of assets).
- Deposits down $4.9M to $592.5M; CDs up $12.1M, money market down $9.6M.
- Adopted CECL on July 1, 2023; ACL $5.1M (1.00% of gross loans).

## SEC filing metadata
- accession: 0000927089-23-000133
- form_type: 8-K
- ticker: HFBL
- cik: 0001500375
- company_name: Home Federal Bancorp, Inc. of Louisiana
- filed_at: 2023-10-30T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1500375/000092708923000133/0000927089-23-000133-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1500375/000092708923000133/hfbil20231027_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000927089-23-000133
- JSON: https://secwatch.observer/filing/0000927089-23-000133.json
- Plain text: https://secwatch.observer/filing/0000927089-23-000133.txt

## Key facts
- Earnings Releases
  Home Federal Bancorp, Inc. of Louisiana reported three months ended September 30, 2023 results: net income $1.2 million, EPS $0.40 basic, $0.39 diluted.
  - Period: three months ended September 30, 2023
  - Net income: $1.2 million
  - EPS: $0.40 basic, $0.39 diluted
  - Result: reported results
  source text: Home Federal Bancorp, Inc. of Louisiana (the “Company”) (Nasdaq: HFBL), the holding company of Home Federal Bank, reported net income for the three months ended September 30, 2023, of $1.2 million compared to net income of $1.7 million reported for the three months ended September 30, 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1500375/000092708923000133/0000927089-23-000133-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.