---
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"
generated_at: "2026-06-03T06:23:33.941923+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Home Federal Bancorp Q3 net income down 33% to $732K; NIM narrows to 2.89%

## Summary
- 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%.

## SEC filing metadata
- 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
- 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/1500375/000092708924000076/0000927089-24-000076-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1500375/000092708924000076/hfbil20240424_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000927089-24-000076
- JSON: https://secwatch.observer/filing/0000927089-24-000076.json
- Plain text: https://secwatch.observer/filing/0000927089-24-000076.txt

## Key facts
- Earnings Releases
  Home Federal Bancorp, Inc. of Louisiana reported financial results for the three and nine months ended March 31, 2024.
  - Period: the three and nine months ended March 31, 2024
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1500375/000092708924000076/0000927089-24-000076-index.htm

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