{"schema_version":"secwatch.filing_event.v1","accession":"0000927089-25-000126","form_type":"8-K","ticker":"HFBL","cik":"0001500375","company_name":"Home Federal Bancorp, Inc. of Louisiana","filed_at":"2025-07-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:44.135632+00:00","generated_at":"2026-05-17T23:39:07.628545+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"HFBL Q4 net income $1.2M ($0.39/sh) vs $638k ($0.21); NPLs $3.3M","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000927089-25-000126","json":"https://secwatch.observer/filing/0000927089-25-000126.json","markdown":"https://secwatch.observer/filing/0000927089-25-000126.md","text":"https://secwatch.observer/filing/0000927089-25-000126.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1500375/000092708925000126/0000927089-25-000126-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1500375/000092708925000126/hfbil20250728_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T23:39:07.628545+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}