secwatch.observer — SEC 8-K summary
======================================

Issuer:     Home Federal Bancorp, Inc. of Louisiana (HFBL)
CIK:        0001500375
Form:       8-K
Filed at:   2025-07-29T23:59:59+00:00
Accession:  0000927089-25-000126
Event type: earnings
Sentiment:  neutral
Materiality: 0.60
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1500375/000092708925000126/0000927089-25-000126-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1500375/000092708925000126/hfbil20250728_8k.htm
  HTML page:      https://secwatch.observer/filing/0000927089-25-000126

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer