{"schema_version":"secwatch.filing_event.v1","accession":"0000927089-24-000076","form_type":"8-K","ticker":"HFBL","cik":"0001500375","company_name":"Home Federal Bancorp, Inc. of Louisiana","filed_at":"2024-04-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:18.695659+00:00","generated_at":"2026-06-03T06:23:33.941923+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Home Federal Bancorp Q3 net income down 33% to $732K; NIM narrows to 2.89%","bullets":["Net income $732K ($0.24 EPS) vs $1.1M ($0.35) a year ago; nine-month net $3.0M vs $4.4M.","Net interest margin fell to 2.89% from 3.56% as deposit costs surged 126% YoY.","Nonperforming assets increased to $2.4M (0.37% of assets) from $1.6M (0.24%).","Total deposits down $18.5M, partly due to a $24.8M estate settlement paying out.","Adopted CECL on July 1, 2023, with a $189K cumulative hit to equity; ACL at 0.97%."],"urls":{"canonical":"https://secwatch.observer/filing/0000927089-24-000076","json":"https://secwatch.observer/filing/0000927089-24-000076.json","markdown":"https://secwatch.observer/filing/0000927089-24-000076.md","text":"https://secwatch.observer/filing/0000927089-24-000076.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1500375/000092708924000076/0000927089-24-000076-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1500375/000092708924000076/hfbil20240424_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T06:23:33.941923+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"cd37b452822838b41d6d08e739a3a4fef41e07a5","claim":"Home Federal Bancorp, Inc. of Louisiana reported financial results for the three and nine months ended March 31, 2024.","evidence_excerpt":"On April 26, 2024, Home Federal Bancorp, Inc. of Louisiana (the “Company”) reported its results of operations for the three and nine months ended March 31, 2024.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1500375/000092708924000076/0000927089-24-000076-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three and nine months ended March 31, 2024"},{"label":"Result","value":"reported results"}]}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}