HFBL Q4 net income $1.2M ($0.39/sh) vs $638k ($0.21); NPLs $3.3M

Home Federal Bancorp, Inc. of Louisiana

2025-FY EPS reported $1.26 revenue$1,303,000

Net income $1.2M in Q4 (EPS $0.39) vs $638K ($0.21); full year $3.9M ($1.27) vs $3.6M ($1.18).
Net interest margin expanded to 3.52% in Q4 from 2.91% prior year; average spread 2.89% vs 2.15%.
Non-performing assets rose to $3.3M at June 30, 2025 from $1.9M a year earlier.
Data processing expense increased $784K for the year due to billing discrepancy settlement with core processor.
Book value per share grew to $17.66 from $16.80; total deposits fell $27.7M (4.8%) to $546.3M.

item 2.02item 9.01

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