---
schema_version: "secwatch.filing_event.v1"
accession: "0000927089-25-000036"
form_type: "8-K"
ticker: "HFBL"
cik: "0001500375"
company_name: "Home Federal Bancorp, Inc. of Louisiana"
filed_at: "2025-01-30T23:59:59+00:00"
generated_at: "2026-05-27T05:16:36.230303+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# HFBL Q2 net income $1.02M, EPS $0.33; net interest margin narrows to 3.12%

## Summary
- Q2 net income $1.02M (flat YoY), EPS $0.33; net interest margin 3.12% vs 3.14%.
- Six-month net income $2.0M vs $2.2M prior; EPS $0.64 vs $0.73; net interest margin 3.06% vs 3.26%.
- Total assets $607.8M, down 4.7%; deposits $546.5M, down 4.8%; no FHLB advances.
- Nonperforming assets $1.8M (0.30% of assets), stable; other borrowings reduced to $4M.
- 2025 guidance: net income $52M-$69M, adj. EBITDA $210M-$225M, capex ~$65M.

## SEC filing metadata
- accession: 0000927089-25-000036
- form_type: 8-K
- ticker: HFBL
- cik: 0001500375
- company_name: Home Federal Bancorp, Inc. of Louisiana
- filed_at: 2025-01-30T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- 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/1500375/000092708925000036/0000927089-25-000036-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1500375/000092708925000036/hfbil20250129_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000927089-25-000036
- JSON: https://secwatch.observer/filing/0000927089-25-000036.json
- Plain text: https://secwatch.observer/filing/0000927089-25-000036.txt

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