# EDGAR Filing Document

**Accession Number:** 0001500375
**File Stem:** 0000927089-26-000080
**Filing Date:** 2026-4
**Character Count:** 30427
**Document Hash:** d8672986d9a9713abdd786fa99cc0c36
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000927089-26-000080.hdr.sgml**: 20260430

**ACCESSION NUMBER**: 0000927089-26-000080

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 14

**CONFORMED PERIOD OF REPORT**: 20260430

**ITEM INFORMATION**: Results of Operations and Financial Condition

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260430

**DATE AS OF CHANGE**: 20260430

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Home Federal Bancorp, Inc. of Louisiana
- **CENTRAL INDEX KEY:** 0001500375
- **STANDARD INDUSTRIAL CLASSIFICATION:** SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 000000000
- **STATE OF INCORPORATION:** LA
- **FISCAL YEAR END:** 0630

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-35019
- **FILM NUMBER:** 26926265

**BUSINESS ADDRESS:**
- **STREET 1:** 624 MARKET STREET
- **CITY:** SHREVEPORT
- **STATE:** LA
- **ZIP:** 71101
- **BUSINESS PHONE:** (318) 222-1145

**MAIL ADDRESS:**
- **STREET 1:** 624 MARKET STREET
- **CITY:** SHREVEPORT
- **STATE:** LA
- **ZIP:** 71101

?xml version='1.0' encoding='ASCII'? hfbil20260429_8k.htm

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| **UNITED STATES**<br> **SECURITIES AND EXCHANGE COMMISSION** |
| **Washington, D.C. 20549** |
| **FORM 8-K** |
| **CURRENT REPORT** |
| **Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934** |

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| | |
|:---|:---|
| Date of Report (Date of earliest event reported) | April 30, 2026 |

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|:---|
| Home Federal Bancorp, Inc. of Louisiana |
| (Exact name of registrant as specified in its charter) |

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|:---|:---|:---|
| Louisiana | 001-35019 | 02-0815311 |
| (State or other jurisdiction<br> of incorporation) | (Commission File Number) | (IRS Employer<br> Identification No.) |

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|:---|:---|
| 624 Market Street, Shreveport, Louisiana | 71101  |
| (Address of principal executive offices) | (Zip Code) |

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|:---|:---|
| Registrant's telephone number, including area code | (318) 222-1145 |

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| Not Applicable |
| (Former name or former address, if changed since last report) |

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Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2 below):<br>

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

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| | |
|:---|:---|
| <br> Title of each class | <br> Name of each exchange on which registered |
| Common Stock (par value $.01 per share)<br> HFBL | Nasdaq Stock Market, LLC |

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|:---|
| Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). |
| Emerging growth company ☐ |
| If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐ |

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**Item 2.02**&nbsp;&nbsp;&nbsp;&nbsp; **<u>Results of Operations and Financial Condition</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On April 30, 2026, Home Federal Bancorp, Inc. of Louisiana (the "Company") reported its results of operations for the three and nine months ended March 31, 2025.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For additional information, reference is made to the Company's press release dated April 30, 2026, which is included as Exhibit 99.1 hereto and is incorporated herein by reference thereto. The press release attached hereto is being furnished to the Securities and Exchange Commission and shall not be deemed to be "filed" for any purpose except as otherwise provided herein.

**Item 9.01**&nbsp;&nbsp;&nbsp;&nbsp; **<u>Financial Statements and Exhibits</u>**

(a)&nbsp;&nbsp;&nbsp;&nbsp; Not applicable.

(b)&nbsp;&nbsp;&nbsp;&nbsp; Not applicable.

(c)&nbsp;&nbsp;&nbsp;&nbsp; Not applicable.

(d) Exhibits.

The following exhibits are filed herewith.

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| | |
|:---|:---|
| Exhibit Number | Description |
| 99.1 | [Press release dated April 30, 2026](ex_953502.htm) |
| 104 | Cover Page Interactive Date File (embedded within the Inline XBRL document.) |

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**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

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| | | |
|:---|:---|:---|
|  | **HOME FEDERAL BANCORP, INC. OF LOUISIANA** | **HOME FEDERAL BANCORP, INC. OF LOUISIANA** |
| Date: April 30, 2026 | By: | /s/ Brad Ezernack |
|  |  | Brad Ezernack |
|  |  | Executive Vice President and Chief Financial Officer |

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## Exhibit 99.1

**Exhibit 99.1**

![homefedlogo.jpg](homefedlogo.jpg)

**FOR RELEASE: Thursday, April 30, 2026, at 4:30 PM (Eastern)**

**HOME FEDERAL BANCORP, INC. OF LOUISIANA REPORTS RESULTS OF OPERATIONS**

**FOR THE THREE AND NINE MONTHS ENDED MARCH 31, 2026**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shreveport, Louisiana – April 30, 2026 – Home Federal Bancorp, Inc. of Louisiana (the "Company") (Nasdaq: HFBL), the holding company of Home Federal Bank, reported net income for the three months ended March 31, 2026, of $1.472 million compared to net income of $748,000 reported for the three months ended March 31, 2025. The Company's basic and diluted earnings per share were $0.49 and $0.48, respectively, for the three months ended March 31, 2026, compared to $0.24 for the three months ended March 31, 2025. The Company reported net income of $4.746 million for the nine months ended March 31, 2026, compared to $2.708 million for the nine months ended March 31, 2025. The Company's basic and diluted earnings per share were $1.57 and $1.55, respectively, for the nine months ended March 31, 2026, compared to $0.88 for the nine months ended March 31, 2025.

 **The Company reported the following highlights during the nine months ended March 31, 2026:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Net interest margin increased 54 basis points to 3.68% for the nine months ended March 31, 2026, compared to 3.14% for the same period in 2025.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Return on average assets increased 44 basis points to 1.02% for the nine months ended March 31, 2026, compared to 0.58% for the same period in 2025.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Home Federal Bancorp repurchased 92,399 shares of its common stock through its stock repurchase program at an average price of $16.08 per share during the nine months ended March 31, 2026, leaving 47,932 shares authorized for repurchase under the program at March 31, 2026.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Book value per share increased to $18.96 at March 31, 2026, from $17.90 at June 30, 2025.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The increase in net income for the three months ended March 31, 2026, as compared to the same period in 2025, resulted from an increase of $733,000, or 15.7%, in net interest income, a decrease of $282,000, or 6.6%, in non-interest expense, and an increase of $83,000, or 15.4%, in non-interest income, partially offset by an increase of $263,000, or 4,383.3%, in the provision for credit losses, and an increase of $111,000, or 53.6%, in the provision for income taxes. The increase in net interest income for the three months ended March 31, 2026, as compared to the same period in 2025, resulted from an increase of $590,000, or 7.9%, in total interest income and a decrease of $143,000, or 5.2%, in total interest expense. The Company's average interest rate spread was 3.13 % for the three months ended March 31, 2026, compared to 2.66% for the three months ended March 31, 2025. The Company's net interest margin was 3.75% for the three months ended March 31, 2026, compared to 3.33% for the three months ended March 31, 2025.

The increase in net income for the nine months ended March 31, 2026, as compared to the same period in 2025 resulted primarily from an increase of $2.346 million, or 17.1%, in net interest income, an increase of $583,000, or 44.0%, in non-interest income, and a decrease of $484,000, or 4.0%, in non-interest expense, partially offset by an increase of $782,000, or 199.5%, in provision for income taxes and an increase of $593,000, or 344.8%, in the provision for credit losses. The increase in net interest income for the nine months ended March 31, 2026, as compared to the same period in 2025, was primarily due to an increase of $1.264 million, or 5.5%, in total interest income, and a decrease of $1.082 million, or 11.9%, in total interest expense. The Company's average interest rate spread was 3.04% for the nine months ended March 31, 2026, compared to 2.44% for the nine months ended March 31, 2025. The Company's net interest margin was 3.68% for the nine months ended March 31, 2026, compared to 3.14% for the nine months ended March 31, 2025.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following tables set forth the Company's average balances and average yields earned and rates paid on its interest-earning assets and interest-bearing liabilities for the periods indicated.

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| | | | | |
|:---|:---|:---|:---|:---|
|  | **For the Three Months Ended March 31,** | **For the Three Months Ended March 31,** | **For the Three Months Ended March 31,** | **For the Three Months Ended March 31,** |
|  | **2026** | **2026** | **2025** | **2025** |
|  | **Average**<br> **Balance** | **Average**<br> **Yield/Rate** | **Average**<br> **Balance** | **Average**<br> **Yield/Rate** |
|  | (Dollars in thousands) | (Dollars in thousands) | (Dollars in thousands) | (Dollars in thousands) |
| Interest-earning assets: |  |  |  |  |
| Loans receivable | $478937 | 6.23% | $459828 | 5.94% |
| Investment securities | 98514 | 2.39 | 95706 | 2.44 |
| Interest-earning deposits | 7613 | 3.94 | 14513 | 3.05 |
| Total interest-earning assets | $585064 | 5.56% | $570047 | 5.28% |
| Interest-bearing liabilities: |  |  |  |  |
| Savings accounts | $92604 | 1.48% | $94375 | 1.75% |
| NOW accounts | 65736 | 1.18 | 69562 | 1.15 |
| Money market accounts | 67553 | 1.90 | 75882 | 2.01 |
| Certificates of deposit | 204379 | 3.35 | 182721 | 3.76 |
| Total interest-bearing deposits | 430272 | 2.39 | 422540 | 2.57 |
| Other bank borrowings | 3849 | 6.53 | 4000 | 7.71 |
| FHLB advances | 1419 | 3.72 |  |  |
| Total interest-bearing liabilities | $435540 | 2.43% | $426540 | 2.62% |

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|:---|:---|:---|:---|:---|
|  | **For the Nine months ended March 31,** | **For the Nine months ended March 31,** | **For the Nine months ended March 31,** | **For the Nine months ended March 31,** |
|  | **2026** | **2026** | **2025** | **2025** |
|  | **Average**<br> **Balance** | **Average**<br> **Yield/Rate** | **Average**<br> **Balance** | **Average**<br> **Yield/Rate** |
|  | (Dollars in thousands) | (Dollars in thousands) | (Dollars in thousands) | (Dollars in thousands) |
| Interest-earning assets: |  |  |  |  |
| Loans receivable | $470696 | 6.22% | $460972 | 5.90% |
| Investment securities | 97449 | 2.32 | 96395 | 2.24 |
| Interest-earning deposits | 12781 | 4.39 | 23326 | 4.45 |
| Total interest-earning assets | $580926 | 5.52% | $580693 | 5.24% |
| Interest-bearing liabilities: |  |  |  |  |
| Savings accounts | $92985 | 1.57% | $89171 | 1.69% |
| NOW accounts | 65617 | 1.14 | 71022 | 1.17 |
| Money market accounts | 70213 | 1.97 | 76828 | 2.20 |
| Certificates of deposit | 199346 | 3.42 | 191936 | 4.04 |
| Total interest-bearing deposits | 428161 | 2.43 | 428957 | 2.75 |
| Other bank borrowings | 3951 | 7.11 | 4832 | 7.55 |
| FHLB advances | 466 | 3.72 |  |  |
| Total interest-bearing liabilities | $432578 | 2.48% | $433789 | 2.80% |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The $83,000 increase in non-interest income for the three months ended March 31, 2026, compared to the same period in 2025, resulted from an increase of $49,000 in gain on sale of loans, an increase of $42,000 in service charges on deposit accounts, and an increase of $3,000 in other non-interest income, partially offset by an increase of $10,000 in loss on sale of real estate, and a decrease of $1,000 in income on bank owned life insurance. The $583,000 increase in non-interest income for the nine months ended March 31, 2026, compared to the same period in 2025, resulted from a decrease of $248,000 in loss on sale of real estate, an increase of $224,000 in gain on sale of loans, an increase of $118,000 in service charges on deposit accounts, and a decrease of $6,000 in loss on sale of securities, partially offset by a decrease of $12,000 in other non-interest income, and a decrease of $1,000 in income on bank owned life insurance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The $282,000 decrease in non-interest expense for the three months ended March 31, 2026, compared to the same period in 2025, resulted from decreases of $203,000 in data processing, $37,000 in audit and examination fees, $27,000 in other expenses, $15,000 in franchise and bank shares tax, $13,000 in amortization core deposit intangible, $11,000 in loan and collection, $9,000 in professional fees, and $3,000 in occupancy and equipment, partially offset by increases in $25,000 in compensation and benefits, $9,000 in advertising, and $2,000 in deposit insurance premium. The $484,000 decrease in non-interest expense for the nine months ended March 31, 2026, compared to the same period in 2025, resulted from decreases of $255,000 in compensation and benefits, $181,000 in audit and examination fees, $103,000 in data processing, $39,000 in advertising, $28,000 in amortization core deposit intangible, and $25,000 in professional fees, partially offset by increases in $98,000 in other expenses, $22,000 in occupancy and equipment, $14,000 in deposit insurance premium, $8,000 in loan and collection, and $5,000 in franchise and bank shares tax.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total assets increased $32.157 million, or 5.3%, from $609.492 million at June 30, 2025 to $641.649 million at March 31, 2026. The increase in assets resulted from increases in net loans receivable of $17.921 million, or 3.9%, from $461.004 million at June 30, 2025 to $478.925 million at March 31, 2026, cash and cash equivalents of $11.596 million, or 66.8%, from $17.347 million at June 30, 2025 to $28.943 million at March 31, 2026, investment securities of $2.449 million, or 2.5%, from $96.230 million at June 30, 2025 to $98.679 million at March 31, 2026, loans-held-for-sale of $1.205 million, or 78.2%, from $1.540 million at June 30, 2025 to $2.745 million at March 31, 2026, accrued interest receivable of $86,000, or 4.7%, from $1.836 million at June 30, 2025 to $1.922 million at March 31, 2026, and bank owned life insurance of $86,000, or 1.2%, from $6.926 million at June 30, 2025 to $7.012 million at March 31, 2026, partially offset by decreases in premises and equipment of $763,000, or 4.4%, from $17.266 million at June 30, 2025 to $16.503 million at March 31, 2026, core deposit intangible of $188,000, or 20.5%, from $915,000 at June 30, 2025 to $727,000 at March 31, 2026, real estate owned of $156,000, or 16.1%, from $970,000 at June 30, 2025 to $814,000 at March 31, 2026, other assets of $42,000, or 3.2%, from $1.305 million at June 30, 2025 to $1.263 million at March 31, 2026, and deferred tax asset of $37,000, or 3.2%, from $1.163 million at June 30, 2025 to $1.126 million at March 31, 2026.

Total liabilities increased $29.358 million, or 5.3%, from $554.287 million at June 30, 2025 to $583.645 million at March 31, 2026. The increase in liabilities resulted from increases in total deposits of $28.142 million, or 5.2%, from $546.290 million at June 30, 2025 to $574.432 million at March 31, 2026, and advances from the Federal Home Loan Bank of Dallas of $2.000 million, from none at June 30, 2025 to $2.000 million at March 31, 2026, partially offset by decreases in other borrowings of $444,000, or 11.1%, from $4.000 million at June 30, 2025 to $3.556 million at March 31, 2026, other accrued expenses and liabilities of $280,000, or 8.1%, from $3.454 million at June 30, 2025 to $3.174 million at March 31, 2026, and advances from borrowers for taxes and insurance of $60,000, or 11.0%, from $543,000 at June 30, 2025 to $483,000 at March 31, 2026. The increase in deposits resulted from increases in certificates of deposit of $21.683 million, or 11.6%, from $187.357 million at June 30, 2025 to $209.040 million at March 31, 2026, and non-interest deposits of $16.694 million, or 13.6%, from $122.416 million at June 30, 2025 to $139.110 million at March 31, 2026, partially offset by decreases in money market deposits of $4.701 million, or 6.4%, from $73.771 million at June 30, 2025 to $69.070 million at March 31, 2026, savings deposits of $2.854 million, or 3.0%, from $95.627 million at June 30, 2025 to $92.773 million at March 31, 2026, and NOW accounts of $2.680 million, or 4.0%, from $67.119 million at June 30, 2025 to $64.439 million at March 31, 2026.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;At March 31, 2026, the Company had $4.197 million of non-performing assets (defined as non-accruing loans, accruing loans 90 days or more past due, and other real estate owned) compared to $3.305 million of non-performing assets at June 30, 2025, consisting of eighteen one-to-four family residential loans, three home equity loans, two commercial non-real estate loans, one commercial real estate loan, one consumer loan, and one commercial real estate property in other real estate owned at March 31, 2026, compared to six one-to-four family residential loans, two home equity loans, three commercial non-real estate loans, two commercial real estate loans and one single-family residence in other real estate owned at June 30, 2025. At March 31, 2026 the Company had seventeen one-to-four family residential loans, three home equity loans, two commercial non-real estate loans, two consumer loans, and one commercial real estate loan classified as substandard, compared to eight one-to-four family residential loans, five commercial non-real estate loans, two home equity loans, two commercial real estate loans and one consumer loan classified as substandard at June 30, 2025. There were no loans classified as doubtful at March 31, 2026 or June 30, 2025.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Stockholders' equity increased $2.799 million, or 5.1%, from $55.205 million at June 30, 2025 to $58.004 million at March 31, 2026. The increase in stockholders' equity resulted from net income for the nine months ended March 31, 2026 of $4.746 million, proceeds from the issuance of common stock from the exercise of stock options of $1.769 million, a decrease in the Company's accumulated other comprehensive loss of $136,000, and the vesting of restricted stock awards, stock options, and the release of employee stock ownership plan shares totaling $290,000, partially offset by stock repurchases of $2.892 million and dividends paid totaling $1.250 million.

Home Federal Bancorp, Inc. of Louisiana is the holding company for Home Federal Bank which conducts business from its ten full-service banking offices and home office in northwest Louisiana.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*Statements contained in this news release which are not historical facts may be forward-looking statements as that term is defined in the Private Securities Litigation Reform Act of 1995. Forward-looking statements can be identified by the fact that they do not relate strictly to historical or current facts. They often include words like* "*believe*"*,* "*expect*"*,* "*anticipate*"*,* "*estimate*"*, and* "*intend*"*, or future or conditional verbs such as* "*will*"*,* "*would*"*,* "*should*"*,* "*could*"*, or* "*may*"*. We undertake no obligation to update any forward-looking statements.*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*In addition to factors previously disclosed in the reports filed by the Company with the Securities and Exchange Commission and those identified elsewhere in this press release, the following factors, among others, could cause actual results to differ materially from forward-looking statements or historical performance: the strength of the United States economy in general and the strength of the local economies in which the Company conducts its operations; general economic conditions; legislative and regulatory changes; monetary and fiscal policies of the federal government; changes in tax policies, rates and regulations of federal, state and local tax authorities including the effects of the Tax Reform Act; changes in interest rates, deposit flows, the cost of funds, demand for loan products and the demand for financial services, competition, changes in the quality or composition of the Company*'*s loans, investment and mortgage-backed securities portfolios; geographic concentration of the Company*'*s business; fluctuations in real estate values; the adequacy of loan loss reserves; the risk that goodwill and intangibles recorded in the Company*'*s financial statements will become impaired; changes in accounting principles, policies or guidelines and other economic, competitive, governmental and technological factors affecting the Company*'*s operations, markets, products, services and fees.*

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| | | |
|:---|:---|:---|
| **HOME FEDERAL BANCORP, INC. OF LOUISIANA** | **HOME FEDERAL BANCORP, INC. OF LOUISIANA** | **HOME FEDERAL BANCORP, INC. OF LOUISIANA** |
| **CONSOLIDATED BALANCE SHEETS** | **CONSOLIDATED BALANCE SHEETS** | **CONSOLIDATED BALANCE SHEETS** |
| (In thousands except share and per share data) | (In thousands except share and per share data) | (In thousands except share and per share data) |
|  | **March 31, 2026** | **June 30, 2025** |
|  | (Unaudited) |  |
| **ASSETS** |  |  |
| Cash and Cash Equivalents (Includes Interest-Bearing Deposits with Other Banks of $16,518 and $10,380 at March 31, 2026, and June 30, 2025, respectively) | $28943 | $17347 |
| Securities Available-for-Sale (amortized cost March 31, 2026: $43,251; June 30, 2025: $36,695, respectively) | 40975 | 34246 |
| Securities Held-to-Maturity (fair value March 31, 2026: $47,726; June 30, 2025: $51,139, respectively) | 56764 | 61334 |
| Other Securities | 940 | 650 |
| Loans Held-for-Sale | 2745 | 1540 |
| Loans Receivable, Net of Allowance for Credit Losses (March 31, 2026: $4,750; June 30, 2025: $4,484, respectively) | 478925 | 461004 |
| Accrued Interest Receivable | 1922 | 1836 |
| Premises and Equipment, Net | 16503 | 17266 |
| Bank Owned Life Insurance | 7012 | 6926 |
| Goodwill | 2990 | 2990 |
| Core Deposit Intangible | 727 | 915 |
| Deferred Tax Asset | 1126 | 1163 |
| Real Estate Owned | 814 | 970 |
| Other Assets | 1263 | 1305 |
| **Total Assets** | $641649 | $609492 |
| **LIABILITIES AND STOCKHOLDERS**' **EQUITY** |  |  |
| **LIABILITIES** |  |  |
| Deposits: |  |  |
| Non-interest bearing | $139110 | $122416 |
| Interest-bearing | 435322 | 423874 |
| Total Deposits | 574432 | 546290 |
| Advances from Borrowers for Taxes and Insurance | 483 | 543 |
| Advances from the Federal Home Loan Bank of Dallas | 2000 |  |
| Other Borrowings | 3556 | 4000 |
| Other Accrued Expenses and Liabilities | 3174 | 3454 |
| **Total Liabilities** | 583645 | 554287 |
| **STOCKHOLDERS**' **EQUITY** |  |  |
| Preferred Stock - $0.01 Par Value; 10,000,000 Shares Authorized: None Issued and Outstanding |  |  |
| Common Stock - $0.01 Par Value; 40,000,000 Shares Authorized: 3,059,889 and 3,084,764 Shares Issued and Outstanding at March 31, 2026 and June 30, 2025, respectively | 34 | 32 |
| Additional Paid-in Capital | 44201 | 42187 |
| Unearned ESOP Stock | (277) | (321) |
| Retained Earnings | 15844 | 15241 |
| Accumulated Other Comprehensive Loss | (1798) | (1934) |
| **Total Stockholders**' **Equity** | 58004 | 55205 |
| **TOTAL LIABILITIES AND STOCKHOLDERS**' **EQUITY** | $641649 | $609492 |

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|:---|:---|:---|:---|:---|
| **HOME FEDERAL BANCORP, INC. OF LOUISIANA**<br> **CONSOLIDATED STATEMENTS OF OPERATIONS**<br> (In thousands, except per share data)<br> (Unaudited) | **HOME FEDERAL BANCORP, INC. OF LOUISIANA**<br> **CONSOLIDATED STATEMENTS OF OPERATIONS**<br> (In thousands, except per share data)<br> (Unaudited) | **HOME FEDERAL BANCORP, INC. OF LOUISIANA**<br> **CONSOLIDATED STATEMENTS OF OPERATIONS**<br> (In thousands, except per share data)<br> (Unaudited) | **HOME FEDERAL BANCORP, INC. OF LOUISIANA**<br> **CONSOLIDATED STATEMENTS OF OPERATIONS**<br> (In thousands, except per share data)<br> (Unaudited) | **HOME FEDERAL BANCORP, INC. OF LOUISIANA**<br> **CONSOLIDATED STATEMENTS OF OPERATIONS**<br> (In thousands, except per share data)<br> (Unaudited) |
|  | **Three Months Ended** | **Three Months Ended** | **Nine months ended** | **Nine months ended** |
|  | **March 31,** | **March 31,** | **March 31,** | **March 31,** |
|  | **2026** | **2025** | **2026** | **2025** |
| Interest income |  |  |  |  |
| Loans, including fees | $7361 | $6740 | $21971 | $20426 |
| Investment securities | 8 | 83 | 30 | 213 |
| Mortgage-backed securities | 572 | 493 | 1666 | 1406 |
| Other interest-earning assets | 74 | 109 | 421 | 779 |
| Total interest income | 8015 | 7425 | 24088 | 22824 |
| Interest expense |  |  |  |  |
| Deposits | 2533 | 2675 | 7819 | 8851 |
| Federal Home Loan Bank borrowings | 13 |  | 13 |  |
| Other bank borrowings | 62 | 76 | 211 | 274 |
| Total interest expense | 2608 | 2751 | 8043 | 9125 |
| Net interest income | 5407 | 4674 | 16045 | 13699 |
| Provision for (recovery of) credit losses | 269 | 6 | 421 | (172) |
| Net interest income after provision for credit losses | 5138 | 4668 | 15624 | 13871 |
| Non-interest income |  |  |  |  |
| Gain on sale of loans | 129 | 80 | 405 | 181 |
| Loss on sale of real estate | (10) |  | (18) | (266) |
| Loss on sale of securities |  |  |  | (6) |
| Income on Bank-Owned Life Insurance | 28 | 29 | 86 | 87 |
| Service charges on deposit accounts | 424 | 382 | 1283 | 1165 |
| Other income | 50 | 47 | 153 | 165 |
| Total non-interest income | 621 | 538 | 1909 | 1326 |
| Non-interest expense |  |  |  |  |
| Compensation and benefits | 2161 | 2136 | 6412 | 6667 |
| Occupancy and equipment | 607 | 610 | 1733 | 1711 |
| Data processing | 350 | 553 | 1004 | 1107 |
| Audit and examination fees | 113 | 150 | 292 | 473 |
| Franchise and bank shares tax | 120 | 135 | 309 | 304 |
| Advertising | 31 | 22 | 84 | 123 |
| Professional fees | 136 | 145 | 371 | 396 |
| Loan and collection | 35 | 46 | 112 | 104 |
| Amortization Core Deposit Intangible | 57 | 70 | 188 | 216 |
| Deposit insurance premium | 104 | 102 | 281 | 267 |
| Other expenses | 255 | 282 | 827 | 729 |
| Total non-interest expense | 3969 | 4251 | 11613 | 12097 |
| Income before income taxes | 1790 | 955 | 5920 | 3100 |
| Provision for income tax expense | 318 | 207 | 1174 | 392 |
| NET INCOME | $1472 | $748 | $4746 | $2708 |
| EARNINGS PER SHARE |  |  |  |  |
| Basic | $0.49 | $0.24 | $1.57 | $0.88 |
| Diluted | $0.48 | $0.24 | $1.55 | $0.88 |

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| | | | | |
|:---|:---|:---|:---|:---|
|  | **Three Months Ended** | **Three Months Ended** | **Nine months ended** | **Nine months ended** |
|  | **March 31,** | **March 31,** | **March 31,** | **March 31,** |
|  | **2026** | **2025** | **2026** | **2025** |
| **Selected Operating Ratios<sup>(1)</sup>:** |  |  |  |  |
| Average interest rate spread | 3.13% | 2.66% | 3.04% | 2.44% |
| Net interest margin | 3.75% | 3.33% | 3.68% | 3.14% |
| Return on average assets | 0.96% | 0.50% | 1.02% | 0.58% |
| Return on average equity | 10.18% | 5.59% | 11.03% | 6.85% |
| **Asset Quality Ratios<sup>(2)</sup>:** |  |  |  |  |
| Non-performing assets as a percent of total assets | 0.65% | 0.49% | 0.65% | 0.49% |
| Allowance for credit losses as a percent of non-performing loans | 140.40% | 215.44% | 140.40% | 215.44% |
| Allowance for credit losses as a percent of total loans receivable | 1.00% | 1.00% | 1.00% | 1.00% |
| **Per Share Data:** |  |  |  |  |
| Shares outstanding at period end | 3059889 | 3118764 | 3059889 | 3118764 |
| Weighted average shares outstanding: |  |  |  |  |
| Basic | 3016628 | 3061928 | 3015888 | 3062511 |
| Diluted | 3070024 | 3087624 | 3057429 | 3081233 |
| Book value per share at period end | $18.96 | $17.55 | $18.96 | $17.55 |
| ____________________ |  |  |  |  |
| (1) Ratios for the three and nine month periods are annualized. |  |  |  |  |
| (2) Asset quality ratios are end of period ratios. |  |  |  |  |

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 <br> CONTACT: James R. Barlow *Chairman of the Board, President and Chief Executive Officer* (318) 222-1145