---
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"
generated_at: "2026-05-17T23:39:07.628545+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000927089-25-000126
- JSON: https://secwatch.observer/filing/0000927089-25-000126.json
- Plain text: https://secwatch.observer/filing/0000927089-25-000126.txt

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