Home Federal Bank
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Data as of · sourced from FFIEC call reports. How we update
Home Federal Bank is an FDIC-insured savings institution headquartered in Shreveport, LA, established in 1924 (FDIC certificate 27654), and it is supervised by the OCC. At Q2 2026 it reported total assets of $644.0M, up 5.6% from Q2 2025, the 32nd largest of 102 banks headquartered in Louisiana. Its CET1 capital ratio was 13.11% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 27654
- Headquarters
- Shreveport, LA
- Established
- 1924
- Total assets, Q2 2026
- $644.0M
- Assets vs Q2 2025
- +5.6%
- CET1 ratio, Q2 2026
- 13.11%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 311170276
- Latest call report
- Q2 2026, FFIEC 051 · Home Federal Bank call report
- Holding company
- HOME FEDERAL BANCORP, INC. OF LOUISIANA
- Asset rank in state
- 32nd of 102 in Louisiana
Home Federal Bank operates with a thinner capital cushion than most banks of its size. The Shreveport, Louisiana bank had $644 million in assets at June 30, 2026, up 5.6% from a year earlier. It funds 9.29% of its assets with Tier 1 capital, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also holds commercial real estate loans worth 2.3 times its capital, about double the median of 1.2 times for banks its size.
Net income for the quarter rose 25% from a year earlier, to $1.7 million. Unrealized losses on its securities total $11 million, equal to 19% of Tier 1 capital, against 22% a year earlier.
As of June 30, 2026, Home Federal Bank reported a CET1 capital ratio of 13.11%, a return on assets of 1.05%, a nonperforming-loan ratio of 0.63% and a Texas ratio of 5.66%. The figures come from its call report filed with the FFIEC.
Of the 102 banks headquartered in Louisiana, Home Federal Bank is the 32nd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.3% to $644.0M, loans fell 0.9% and deposits rose 0.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 39.6% of total loans, ahead of owner-occupied commercial real estate loans at 18.9%. The FDIC Summary of Deposits lists 11 offices for it, in 4 cities in LA; its Shreveport 7 offices book 64% of its branch deposits. By the capital ratios in its Q2 2026 call report, Home Federal Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 222 Florida St, Shreveport, LA 71105
- County
- Caddo
- Metro Area
- Shreveport-Bossier City, LA
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1924
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 75
- Domestic deposits
- $579.1M
- Allowance for credit losses
- $4.9M
- Net charge-offs (YTD)
- -$41K
- Average total assets
- $643.2M
- Average total loans
- $477.1M
- Average interest-bearing deposits
- $435.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 27654
- Fed RSSD
- 804374
- SEC CIK
- 1500375 → filed by HOME FEDERAL BANCORP, INC. OF LOUISIANA
- Website
- www.hfb.bank →
- Parent Holding Company
- HOME FEDERAL BANCORP, INC. OF LOUISIANA (RSSD 4253121) · HFBL
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| James R Barlow | CEO | Chairman, President & CEO*** |
| Brad Ezernack | CFO | EVP & Chief Financial Officer |
| Mary L Jones | COO | Sr. VP Retail & COO* |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Home Federal Bank's total assets moved between a low of $607.7M (Q4 2024) and a high of $662.8M (Q3 2023) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$644.0M total assets against $609.6M; $582.9M total liabilities against $551.8M.
$477.1M net loans and leases against $462.5M; $579.1M total deposits against $547.9M.
$99.1M securities against $95.6M; $34.3M cash and balances due against $17.3M.
$8.4M total interest income against $7.6M; $2.6M total interest expense against $2.6M.
$5.8M net interest income against $5.0M.
$756K total noninterest income against $679K; $4.2M total noninterest expense against $3.9M.
$173K provision for credit losses against $47K.
$1.7M net income against $1.3M.
1.05% return on assets against 0.89%; 3.85% net interest margin against 3.51%.
13.11% CET1 capital ratio against 13.59%; 9.29% tier 1 leverage ratio against 9.40%.
Inside the full Home Federal Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Home Federal Bank rankings
Its closest position to the top of a national ranking is 1,191 of 3,640, for Texas Ratio; its furthest is 2,391 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.64% (Q1 2025) to 1.28% (Q4 2025) and its net interest margin ran from 3.15% (Q3 2024) to 3.85% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.11% | 1.05% | 0.63% | 5.66% | 3.85% |
| Q1 2026 | 13.05% | 1.11% | 0.70% | 6.62% | 3.74% |
| Q4 2025 | 13.39% | 1.28% | 0.36% | 3.96% | 3.75% |
| Q3 2025 | 13.33% | 1.22% | 0.41% | 4.02% | 3.66% |
| Q2 2025 | 13.59% | 0.89% | 0.59% | 6.22% | 3.51% |
| Q1 2025 | 13.42% | 0.64% | 0.55% | 5.77% | 3.29% |
| Q4 2024 | 13.23% | 0.81% | 0.48% | 3.70% | 3.22% |
| Q3 2024 | 13.19% | 0.74% | 0.40% | 3.28% | 3.15% |
Swipe the table sideways to see every column.
Branch Network
View all 11 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| 6363 Youree Dr Branch | Shreveport , LA | 71105 | $150.3M |
| Benton Office Branch | Benton , LA | 71006 | $90.2M |
| Market Street Branch | Shreveport , LA | 71101 | $72.6M |
| Mansfield Road Branch | Shreveport , LA | 71118 | $67.2M |
| Viking Drive Branch | Bossier City , LA | 71111 | $57.5M |
| Pierremont Branch | Shreveport , LA | 71106 | $45.6M |
| Stockwell Branch | Bossier City , LA | 71111 | $35.7M |
| Northwood Branch | Shreveport , LA | 71107 | $25.1M |
| Minden Branch | Minden , LA | 71055 | $23.9M |
| Huntington Branch | Shreveport , LA | 71129 | $11.1M |
| Home Federal Bank (main office) | Shreveport , LA | 71105 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 1, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2023 | Structure Change | Acquired First National Bank of Benton Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in LA, rank 33 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 207 applications, 197 loans originated, $46.9M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Home Federal Bank
What are Home Federal Bank's total assets?
As of the Q2 2026 filing, Home Federal Bank reported total assets of $644.0 million in its FFIEC call report.
Where is Home Federal Bank headquartered?
It is headquartered in Shreveport, LA, United States.
When was Home Federal Bank founded?
It was established in 1924, per the FDIC institution directory.
Is Home Federal Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #27654). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Home Federal Bank?
Home Federal Bank's primary federal regulator is the OCC.
What is Home Federal Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.11% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Home Federal Bank operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Home Federal Bank's Texas Ratio?
Its Texas Ratio is 5.66% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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