Home Federal Bank

What Home Federal Bank does

Home Federal Bank is a Louisiana state-chartered community bank founded in 1924 and headquartered in Shreveport, operating as the principal subsidiary of publicly traded Home Federal Bancorp, Inc. of Louisiana (NASDAQ: HFBL). The bank serves consumer households, small-to-medium businesses, and residential mortgage borrowers across northwest Louisiana through 10 full-service branches and a digital channel stack (online banking, iOS/Android mobile apps with mobile deposit, Apple Pay and Samsung Pay, and the CaBoodle personal financial management tool).

The product suite spans retail deposit products (checking, savings, money market, CDs), consumer and business lending, residential mortgage origination across conventional, FHA, VA, USDA, and portfolio channels, treasury and cash management services for businesses, and — more recently — branded credit cards issued in partnership with Card Assets LLC and a Professional Loan Program offering up to $750,000 in financing for medical and legal professionals. The bank is FDIC-insured and operates under a community bank charter adopted in 2009 after the prior savings and loan charter.

Revenue is generated primarily through net interest income on loans and securities, supplemented by deposit account fees and ancillary consumer fees; the capital allocation posture reflects this with 49+ consecutive quarterly cash dividends and a 14th share repurchase program approved in October 2025. Geographic expansion has been deliberate and regional, including branch openings in North Market (2016) and Pierremont (2019), a loan production office in Minden (2021), and the 2023 acquisition of Northwest Bancshares Corporation and its First National Bank of Benton subsidiary.

Name

Home Federal Bank

Legal name

Home Federal Bancorp, Inc. of Louisiana

Website

https://hfb.bank

Company type

Public

Founded year

1924

Operating status

Operating

Headcount range

51–100 employees

Short description

Home Federal Bank is a community bank founded in 1924 and headquartered in Shreveport, Louisiana, serving consumer households, small-to-medium businesses, and mortgage borrowers through 10 branches across northwest Louisiana as a subsidiary of NASDAQ-listed Home Federal Bancorp (HFBL).

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Government-Insured Mortgage Origination (FHA/VA/USDA) (FSALAAAI)

akta.pro secondary industry

Affordable Housing / Down Payment Assistance (DPA) Mortgage Origination (FSALAAAM)

Keywords

• Community banking
• Retail banking services
• Mortgage lending
• Consumer lending
• Business banking

Headquarters

HQ city

Shreveport

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Lending: The bank generates revenue primarily through interest earned on loans including personal loans, business loans, mortgage loans, and credit cards. This includes various loan products such as conventional mortgages, FHA/VA loans, USDA rural development loans, portfolio loans, and professional loan programs.
2. Deposit Account Fees: Revenue from various deposit account fees including service charges, overdraft fees, and ATM fees on certain account types.
3. Mortgage Lending Revenue: Income from mortgage origination and servicing, including conventional, FHA, VA, and USDA rural development mortgage products.
4. Business Banking Services: Fees from business checking accounts, merchant card services, cash management services, wire transfers, and payroll processing.
5. Dividend Income: Home Federal Bancorp, Inc. of Louisiana (NASDAQ: HFBL) pays quarterly dividends to shareholders, indicating dividend distribution as part of shareholder value.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

Home Federal Bank is a full-service community bank that provides personal and business deposit accounts (checking, savings, money market, CDs), consumer and commercial loans, mortgage lending (conventional, FHA, VA, USDA, portfolio), and ancillary services such as merchant card processing, cash management, payroll, wire transfers, and positive pay fraud protection. Services are delivered through ten physical branches in northwest Louisiana, supplemented by online and mobile banking channels with mobile deposit and mobile wallet integration.

Product overview

Home Federal Bank operates as a full-service community bank offering a comprehensive suite of banking products and services through multiple delivery channels. The core banking portfolio includes personal checking and savings accounts (with six checking variants and multiple savings options including CDs and money market), business banking products (checking, savings, and services), consumer and business loans, mortgage lending (conventional, FHA, VA, USDA, and portfolio options), platinum credit cards, and digital banking services. Digital banking features include online and mobile banking with Bill Pay 2.0, mobile deposit, Picture Pay, eStatements, and the CaBoodle financial management tool. Business services encompass merchant card processing, cash management, payroll services, wire transfers, sweep processing, remote deposit capture, and Positive Pay fraud protection. All services are delivered through the bank's branch network in northwest Louisiana and digital channels, with integration to Apple Pay and Samsung Pay mobile wallets.

Differentiator

Problem solved

Functional benefit

Brands

• HFB Personal Mobile Banking App: Mobile banking application for consumer customers to manage accounts, transfer funds, and deposit checks.
• HFB Business Mobile Banking App
• CaBoodle

Products and services

• Personal Checking Accounts Multiple personal checking account options including Cash Back Checking, Smart Rewards Checking, Premium Checking, Prime Checking, 55 Plus Senior Checking, and New Start (Second Chance) Checking, each with different fee structures, interest rates, and rewards programs for individual consumers.
• Personal Savings Accounts Savings products including Smart Savings (tiered interest rates), Relationship Savings (rates tied to active checking), Minor Savings (for children 17 and under), and Certificates of Deposit with $500 minimum and terms from 91 days to 5 years.
• Compass Money Market Account Money market savings account offering tiered interest rates with the benefits of a savings vehicle combined with limited check-writing capabilities for individual consumers.
• Business Checking Accounts Business checking options including E-Business Checking, Basic Business Checking, Advanced Checking, Analyzed Checking, and Business Priority, paired with Business Smart Savings for small to medium-sized businesses.
• Business Services Business banking services including Merchant Card Services, Cash Management Services, Payroll (direct deposit payroll delivery), Wire Transfer (domestic and international), Sweep Processing (automated fund transfers between accounts and credit lines), Smart Deposit Remote Capture (electronic check deposit), Positive Pay (fraud prevention tool), and Business Credit Cards through Card Assets LLC.
• Mortgage Loans Mortgage offerings including Conventional Home Loans, FHA & VA Loans (HUD-approved lender since 1928), USDA Rural Development Loans (among largest RD lenders in Louisiana), Portfolio Loans (non-conforming options), and Refinance products.
• Personal Loans Personal loan products for individual consumers, including unsecured personal credit.
• Business Loans Business loans and specialized lending products including a Professional Loan Program offering up to 100% financing up to $750,000 for eligible medical residents, doctors, dentists, attorneys, and CPAs.
• Online & Mobile Banking Digital banking platform providing account access via web and mobile apps (iOS and Android), with Bill Pay 2.0, Fund Transfers, Picture Pay, eStatements, Account Alerts, CaBoodle financial management, mobile deposit capture, and mobile wallet integration with Apple Pay and Samsung Pay for individual and business customers.
• Platinum Credit Cards HFB-branded platinum credit cards for consumers and businesses offered through Card Assets LLC, with choice of cash or point rewards, no spending caps, no annual fee, 24/7 customer support, online account management, e-statements, and email alerts.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature6 records

Partnerships

One partnership is on record.

• Card Assets LLCminorOthersHFB branded credit card partnership through Card Assets LLC offering platinum credit cards with global acceptance, cash or point rewards, no annual fee, and 24/7 customer support.

Scale indicators6 records

Recent moves9 records

Expansion highlights5 records

Broad incumbents

• Cadence Bank: Regional bank (NYSE: CADE) headquartered in Tupelo, MS / Houston, TX, with Louisiana operations. Competes with HFB for deposits and commercial relationships but offers a much wider product suite and technology footprint.
• Hancock Whitney Corporation: Gulf Coast regional bank holding company (NASDAQ: HWC) with substantial Louisiana presence. Larger incumbent competitor offering comparable consumer/business banking plus wealth and capital markets services that exceed HFB's scope.
• Trustmark National Bank: Regional bank holding company (NASDAQ: TRMK) headquartered in Jackson, MS, with a significant Louisiana branch network. Competes with HFB in NW Louisiana but operates at materially larger scale with broader geographic reach.

Direct peers

• b1BANK: Louisiana-chartered community bank (formerly Business First Bancshares) headquartered in Baton Rouge, LA. Closely comparable commercial and consumer community-banking model with business lending and treasury-management services that overlap HFB's product set.
• Origin Bancorp: Bank holding company (NASDAQ: OBNK) headquartered in Ruston/Choudrant, LA. Operates a community-banking model across Louisiana, Texas, and Mississippi with consumer, business, and mortgage lending broadly comparable to HFB's product set.
• First Guaranty Bancshares: Holding company for First Guaranty Bank, headquartered in Bossier City, LA. Direct geographic overlap with HFB in the Shreveport–Bossier metro and a comparable size/community-bank profile serving individuals and small businesses in Louisiana.
• Investar Holding Corporation: Holding company (NASDAQ: ISTR) for Investar Bank, headquartered in Baton Rouge, LA. Louisiana community bank with consumer, mortgage, and small-business banking directly comparable to HFB's offering, though larger in branch count.
• Sabine State Bank: Louisiana-chartered community bank headquartered in Many, LA, serving rural and small-town markets across central/northwest Louisiana. Directly comparable footprint and small-community-bank operating model to HFB.
• Midsouth Bank: Community bank based in Lafayette, LA with branches across south-central Louisiana. Offers deposit, consumer, and small-business banking products in the same regional, community-bank category as HFB.
• Red River Bancshares: Holding company (NASDAQ: RRBI) for Red River Bank, based in Alexandria, LA. Louisiana-focused community bank offering deposit, business lending, and mortgage services with a similar size band and community-banking orientation to HFB.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 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

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles18 records

Subsidiaries1 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