Home Federal Bank

What Home Federal Bank does

Home Federal Bank is a 100-year-old community bank headquartered in northwest Louisiana, operating as a wholly-owned subsidiary of the publicly traded Home Federal Bancorp, Inc. of Louisiana (NASDAQ: HFBL). Founded in 1924, the bank operates 10 full-service banking offices plus a home office, serving retail consumers, small-to-mid-sized businesses, and mortgage lending customers across the northwest Louisiana market. As of March 31, 2026, the bank reported $641.649 million in total assets, up 5.3% year-over-year, and has maintained 11 consecutive years of dividend increases, signaling durable financial stability within its community banking niche. The institution is FDIC-insured and operates as an Equal Housing Lender, with no external private equity or venture capital ownership and a distributed public shareholder base.

The bank's product suite is organized into three pillars: deposit products (six personal checking variants including Cash Back, Smart Rewards, Premium, Prime, 55 Plus Senior, and New Start second-chance accounts, plus savings accounts, CDs, and a money market account), lending services (personal, business, and mortgage loans with dedicated mortgage team support and an online mortgage web center), and digital banking infrastructure (online banking platform, mobile app, and mobile wallet integration with Apple Pay, Google Pay, and Samsung Pay). For business customers, the bank offers tiered checking (E-Business, Basic, Advanced, Analyzed, and Business Priority), business savings, merchant card services, cash management solutions, and a Business Platinum credit card. Marketing emphasizes local decision-making by the same personnel who close loans, relationship banking, and over a century of community presence.

Revenue is generated primarily through net interest income — the spread between loan yields and deposit costs — with net interest margin expanding 54 basis points to 3.68% for the nine-month period ended March 31, 2026. Non-interest income from merchant card services, account maintenance fees, and other banking service charges provides a secondary stream. Return on average assets improved to 1.02% from 0.58% year-over-year, and book value per share rose to $18.96 from $17.90. The bank distributes through physical branches and direct-to-consumer digital channels, with no third-party intermediaries, and is currently returning capital via 11 consecutive years of dividend increases ($0.135/share quarterly) and a new stock repurchase program authorizing up to 100,000 shares over four calendar quarters.

Name

Home Federal Bank

Legal name

Home Federal Bank

Website

https://hfbla.com

Company type

Public

Founded year

1924

Operating status

Operating

Headcount range

101–250 employees

Short description

Home Federal Bank is a 100-year-old community bank serving personal, business, and mortgage customers across northwest Louisiana through 10 branch offices plus digital banking platforms, operating as a wholly-owned subsidiary of NASDAQ-listed Home Federal Bancorp, Inc. of Louisiana (HFBL) with $641.6M in total assets.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Depository Credit Intermediation (5221), Commercial Banking (52211), Commercial Banking (522110)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industry

Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB)

Keywords

• Community banking services
• Consumer deposit products
• Commercial lending
• Mortgage loan services
• Cash management solutions

Headquarters

HQ city

Shreveport

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Net Interest Income: Core banking revenue from spread between interest earned on loans (particularly net loans receivable growth) and interest paid on deposits. Net interest margin expanded 54 basis points to 3.68% for nine-month period ended March 31, 2026.
2. Non-Interest Income: Fee-based income from banking services including merchant card services, account maintenance fees, and other banking service charges
3. Dividend Payments: Company distributes quarterly cash dividends to shareholders, declaring $0.135 per share with 11 consecutive years of dividend increases

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Home Federal Bank is a full-service community bank offering consumer and business deposit products (checking, savings, CDs, money market), personal and commercial loans including mortgage lending, credit cards, merchant card processing, and cash management services. The bank distributes these through ten physical branches in northwest Louisiana and digital channels including online banking, mobile banking, and mobile wallet-enabled payment functionality.

Product overview

Home Federal Bank operates as a full-service regional bank offering a comprehensive suite of personal and business banking products organized around three core pillars: deposit products (checking, savings, CDs, and money market accounts), lending services (personal, business, and mortgage loans), and digital banking platforms. The bank serves retail customers through multiple checking variants (Cash Back, Smart Rewards, Premium, Prime, 55 Plus Senior, New Start) and savings options, while business customers access specialized checking (E-Business, Basic, Advanced, Analyzed, Business Priority), business savings, and cash management services. Credit offerings include Platinum credit cards for both consumer and business segments. All products are supported by online and mobile banking with mobile wallet integration for contactless payments.

Differentiator

Problem solved

Functional benefit

Products and services

• Cash Back Checking Personal checking account offering cash back rewards on eligible purchases or transactions for individual consumers.
• Smart Rewards Checking Personal checking account with reward tiers based on relationship balance and account activity for individual consumers.
• Premium Checking Premium personal checking account with enhanced benefits and features for higher-balance individual customers.
• Prime Checking Personal checking account offering competitive rates and essential banking services for individual consumers.
• 55 Plus Senior Checking Specialized checking account designed for customers aged 55 and older, featuring senior-specific benefits.
• New Start Checking Second-chance checking account for individuals who may have had difficulty opening traditional bank accounts.
• Smart Savings Personal savings account offering competitive interest rates with easy access to funds for individual consumers.
• Relationship Savings Savings account with enhanced rates for customers who maintain multiple accounts with the bank.
• Minor Savings Savings account designed for minors with parental oversight and custodial features.
• Certificates of Deposit Fixed-term deposit accounts offering guaranteed returns with various maturity options.
• Compass Money Market Account Money market account offering competitive yields with limited check-writing privileges.
• Platinum Credit Cards Consumer credit card products offering platinum-tier benefits including rewards, travel perks, and fraud protection.
• Personal Loans Installment loans for personal use including debt consolidation, home improvements, and major purchases.
• E-Business Checking Electronic-focused business checking account with robust online banking features for tech-savvy businesses.
• Basic Business Checking Entry-level business checking account providing essential banking services for small businesses.
• Advanced Business Checking Business checking account with enhanced features for growing businesses requiring more services.
• Analyzed Business Checking Business checking account with analysis services to help businesses track and manage cash flow.
• Business Priority Account Premium business checking designed for high-volume business customers with priority service.
• Business Smart Savings Business savings account with competitive rates for business deposits.
• Business Loans Commercial lending products including term loans, lines of credit, and equipment financing for small and mid-sized businesses.
• Mortgage Loans Home mortgage products including purchase loans, refinances, and construction loans with dedicated mortgage team support.
• Merchant Card Services Payment processing services enabling businesses to accept credit and debit card transactions.
• Cash Management Services Comprehensive treasury management solutions including fraud protection, wire transfers, and ACH services for business customers.
• Business Platinum Credit Card Credit card for business customers offering enhanced spending controls and rewards.
• Online & Mobile Banking Digital banking platform providing 24/7 access to accounts, bill pay, mobile deposit, mobile wallet, and account management via web and mobile applications for consumer and business customers.

Quantifiable outcome

• Net interest margin expanded 54 basis points to 3.68%
• +3 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Scale indicators8 records

Recent moves4 records

Expansion highlights3 records

Direct peers

• Origin Bancorp: Origin Bancorp is a Louisiana-chartered bank holding company headquartered in Ruston, LA, with similar community banking focus, comparable asset size, and overlapping geographic market in Louisiana serving consumer and business banking customers.
• Heritage Commerce Corp: Heritage Commerce Corp is a California-based bank holding company operating community banks with similar asset size, business banking focus, and full-service deposit and lending products targeting SMBs and consumers.
• CNB Financial Corporation: CNB Financial Corp is a Pennsylvania-based community bank holding company of similar size operating full-service community banks with consumer and commercial lending, mortgage banking, and wealth management services.
• Stock Yards Bancorp: Stock Yards Bancorp is a Kentucky-based community bank holding company of comparable size offering consumer and business banking, wealth management, and commercial lending with similar geographic concentration in a single region.
• Investar Holding Corporation: Investar is a Louisiana-based community bank holding company operating branches across south Louisiana, with similar community banking model, comparable size, and personal/business banking products serving SMB and consumer customers.
• Colony Bankcorp: Colony Bankcorp is a Georgia-based community bank holding company of similar asset size, providing commercial banking, retail banking, and mortgage services to small and medium-sized businesses and consumers in the Southeast.
• First US Bancshares: First US Bancshares is an Alabama-based community bank holding company with similar asset size, offering community banking, mortgage lending, and digital banking services to consumers and businesses in the Southeast.

Others

• Q2 Holdings: Q2 Holdings provides digital banking software and platforms used by community banks, including online and mobile banking infrastructure comparable to what Home Federal Bank offers its customers—making it an enabling technology peer.

Broad incumbents

• Cadence Bank: Cadence Bank is a regional bank with significant Louisiana presence offering consumer, business, and mortgage banking—representing the larger regional competitor against which Home Federal Bank's local positioning differentiates.
• Lakeland Financial Corporation: Lakeland Financial is a larger Indiana-based community bank holding company operating Lake City Bank with comparable community banking focus, though meaningfully larger in assets and serving broader commercial banking relationships.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/homefederalbankla
• LinkedInlinkedin.com/company/home-federal-bank-nasdaq-hfbl-
• Instagraminstagram.com/home.federal.bank.la
• Xx.com/homefederalla

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Home Federal Bank