The bank maintains an exceptionally conservative capital structure with an equity-to-assets ratio of 0.09, while holding $581.2M in investment securities against $641.6M in total assets.
Home Federal Bancorp, Inc. of Louisiana (HFBL) balance sheet — 23-year assets, liabilities & shareholders' equity history
| Metric | TTM | Jun'26 | Jun'25 | Jun'24 | Jun'23 | Jun'22 | Jun'21 | Jun'20 | Jun'19 | Jun'18 | Jun'17 | Jun'16 | Jun'15 | Jun'14 | Jun'13 | Jun'12 | Jun'11 | Jun'10 | Jun'09 | Jun'08 | Jun'07 | Jun'06 | Jun'05 | Jun'04 |
|---|
| Cash & Short Term Investments | 210.44M | 77.93M | 50.44M | 42.28M | 59.34M | 70.35M | 90.33M | 78.86M | 56.99M | 36.39M | 43.06M | 54.73M | 50.15M | 52.94M | 50.65M | 74.41M | 9.6M | 8.84M | 10.01M | 7.36M | 3.97M | 4.93M | 9.29M | 4.34M |
| Cash & Due from Banks | 37.56M | 34.3M | 16.2M | 15.25M | 19.79M | 42.25M | 60.78M | 36.8M | 15.33M | 7.07M | 6.13M | 4.76M | 5.27M | 4.51M | 2.69M | 5.99M | 9.6M | 8.84M | 10.01M | 7.36M | 3.97M | 4.93M | 9.29M | 4.34M |
| Short Term Investments | 45.5M | 43.62M | 34.25M | 27.04M | 39.55M | 28.1M | 29.55M | 42.06M | 41.66M | 29.32M | 36.94M | 50.17M | 44.88M | 48.43M | 47.96M | 68.43M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 617.55M | 649.53M | 558.77M | 568.54M | 603.47M | 499.9M | 435.08M | 437.64M | 399.75M | 382.47M | 391.69M | 355.27M | 329.52M | 299.14M | 258.97M | 249.23M | 212.79M | 172.28M | 143.06M | 127.13M | 111.85M | 105.98M | 101.02M | 89.56M |
| Investments Growth % | 32.23% | 16.24% | -1.72% | -5.79% | 20.72% | 14.9% | -0.59% | 9.48% | 4.52% | -2.36% | 10.25% | 7.81% | 10.16% | 15.51% | 3.91% | 17.12% | 23.51% | 20.43% | 12.53% | 13.66% | 5.53% | 4.92% | 12.8% | - |
| Long-Term Investments | 2.37B | 605.91M | 524.53M | 541.5M | 563.92M | 471.8M | 405.53M | 395.58M | 358.09M | 353.14M | 354.76M | 305.1M | 284.64M | 250.7M | 211.01M | 180.8M | 212.79M | 172.28M | 143.06M | 127.13M | 111.85M | 105.98M | 101.02M | 89.56M |
| Accounts Receivables | 0 | 1.9M | 1.84M | 1.77M | 1.79M | 1.12M | 1.16M | 1.86M | 1.17M | 1.15M | 1.09M | 1.02M | 927K | 965K | 774K | 826K | 801K | 560K | 543K | 550K | 499K | 464.91K | 435.53K | 405.81K |
| Goodwill & Intangibles | 3.62M | 3.67M | 3.9M | 4.19M | 4.52M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 2.99M | 2.99M | 2.99M | 2.99M | 2.99M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 625K | 675K | 915K | 1.2M | 1.53M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 16.02M | 16.17M | 17.27M | 18.3M | 16.56M | 16.25M | 14.91M | 13.23M | 13.55M | 12.24M | 12.22M | 12.37M | 10.19M | 8.45M | 6.56M | 4.87M | 3.94M | 3.05M | 982K | 880K | 923K | 947.58K | 524.75K | 467.78K |
| Other Assets | -617.55M | -605.91M | 10.35M | 28.28M | 13.47M | 29.81M | 52.98M | 27.93M | 11.8M | 17.63M | 13.87M | 7.3M | 23.1M | 15.74M | 7.39M | 35.27M | 6.2M | 414K | 178K | 104K | 1.54M | 1.67M | 60K | 891.31K |
| Total Current Assets | 569.3M | 555.31M | 52.28M | 44.06M | 61.13M | 71.48M | 91.49M | 80.72M | 58.16M | 37.54M | 44.16M | 55.95M | 51.08M | 53.91M | 51.42M | 75.24M | 10.4M | 9.4M | 10.55M | 7.91M | 4.47M | 5.39M | 9.73M | 4.75M |
| Total Non-Current Assets | 21.13M | 20.9M | 557.21M | 593.45M | 599.78M | 519M | 474.24M | 437.5M | 384.29M | 384.11M | 382.45M | 325.75M | 318.75M | 275.62M | 225.74M | 220.94M | 222.92M | 175.75M | 144.22M | 129.8M | 114.31M | 108.61M | 101.6M | 90.91M |
| Total Assets | 655.56M | 643.33M | 609.49M | 637.51M | 660.91M | 590.48M | 565.73M | 518.22M | 442.45M | 421.65M | 426.61M | 381.7M | 369.83M | 329.53M | 277.15M | 296.18M | 233.32M | 185.15M | 154.77M | 137.72M | 118.78M | 114M | 111.33M | 95.66M |
| Asset Growth % | 16.65% | 5.55% | -4.4% | -3.54% | 11.93% | 4.37% | 9.17% | 17.12% | 4.93% | -1.16% | 11.76% | 3.21% | 12.23% | 18.9% | -6.42% | 26.94% | 26.02% | 19.63% | 12.38% | 15.94% | 4.2% | 2.4% | 16.38% | - |
| Return on Assets (ROA) | 1.01% | 0.99% | 0.62% | 0.55% | 0.91% | 0.84% | 0.99% | 0.8% | 1.1% | 0.84% | 0.9% | 0.9% | 0.96% | 0.9% | 1.09% | 1.07% | 0.93% | 0.39% | 0.35% | -0.06% | 0.55% | 0.56% | 0.82% | 0.86% |
| Accounts Payable | 0 | 0 | 0 | 0 | 3.91M | 2.61M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 17.56M | 3.56M | 4M | 7M | 8.55M | 3.18M | 3.27M | 3.36M | 1.8M | 11.94M | 48.91M | 48.06M | 38.41M | 12.9M | 22.16M | 23.47M | 26.89M | 31.51M | 36M | 26.88M | 12.37M | 13.42M | 8.39M | 9.75M |
| Net Debt | -20M | -30.75M | -12.2M | -8.25M | -11.24M | -39.07M | -57.51M | -33.44M | -13.53M | 4.87M | 42.78M | 43.31M | 33.15M | 8.39M | 19.48M | 17.48M | 17.29M | 22.67M | 25.99M | 19.51M | 8.4M | 8.49M | -898K | 5.41M |
| Long-Term Debt | 17.56M | 3.56M | 0 | 0 | 0 | 0 | 832K | 867K | 1.06M | 6.36M | 11.91M | 24.57M | 38.41M | 12.9M | 21.66M | 23.47M | 26.89M | 31.51M | 36M | 26.88M | 12.37M | 13.42M | 8.22M | 7.22M |
| Short-Term Debt | 0 | 31K | 4M | 7M | 8.55M | 3.18M | 2.44M | 2.49M | 745K | 5.58M | 37M | 23.5M | 0 | 0 | 500K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 170K | 2.52M |
| Other Liabilities | 579.25M | 581.02M | 4M | 3.7M | -3.35M | -2.25M | 426K | 522K | 584K | 725K | 698K | 716K | 578K | 428K | 277K | 256K | 235K | 205K | 137K | 3.75M | 895K | 765K | 511K | 471.61K |
| Total Current Liabilities | 0 | 31K | 550.29M | 578.69M | 613.73M | 540.38M | 511.75M | 466.3M | 390.47M | 367.53M | 367.75M | 313.03M | 287.46M | 273.43M | 213.23M | 222.53M | 154.58M | 119.15M | 87.23M | 79.21M | 77.71M | 71.28M | 70.17M | 70.66M |
| Total Non-Current Liabilities | 596.81M | 584.57M | 4M | 3.7M | -3.35M | -2.25M | 1.26M | 1.39M | 1.64M | 7.08M | 12.61M | 25.28M | 38.99M | 13.32M | 21.94M | 23.76M | 27.56M | 32.63M | 36.09M | 30.63M | 13.26M | 14.18M | 8.73M | 7.7M |
| Total Liabilities | 596.81M | 584.57M | 554.29M | 584.71M | 610.37M | 538.13M | 513.01M | 467.69M | 392.11M | 374.61M | 380.36M | 338.31M | 326.45M | 286.75M | 235.17M | 246.29M | 182.14M | 151.78M | 123.46M | 109.84M | 90.97M | 85.46M | 78.9M | 78.35M |
| Total Equity | 58.76M | 58.76M | 55.2M | 52.8M | 50.54M | 52.35M | 52.73M | 50.53M | 50.34M | 47.04M | 46.25M | 43.39M | 43.39M | 42.78M | 41.98M | 49.89M | 51.18M | 33.37M | 31.31M | 27.87M | 27.81M | 28.54M | 32.43M | 17.31M |
| Equity Growth % | 23.34% | 6.43% | 4.55% | 4.47% | -3.45% | -0.72% | 4.33% | 0.38% | 7.03% | 1.71% | 6.58% | 0.01% | 1.42% | 1.9% | -15.85% | -2.53% | 53.4% | 6.56% | 12.33% | 0.22% | -2.55% | -12% | 87.37% | - |
| Equity / Assets (Capital Ratio) | 8.96% | 9.13% | 9.06% | 8.28% | 7.65% | 8.87% | 9.32% | 9.75% | 11.38% | 11.16% | 10.84% | 11.37% | 11.73% | 12.98% | 15.15% | 16.84% | 21.94% | 18.02% | 20.23% | 20.24% | 23.41% | 25.03% | 29.13% | 18.09% |
| Return on Equity (ROE) | 11.12% | 10.84% | 7.2% | 6.95% | 11.09% | 9.28% | 10.39% | 7.63% | 9.74% | 7.65% | 8.15% | 7.78% | 7.79% | 6.47% | 6.81% | 5.63% | 4.58% | 2.07% | 1.74% | -0.29% | 2.26% | 2.08% | 3.42% | 4.74% |
| Book Value per Share | 19.14 | 19.14 | 17.88 | 17.13 | 16.03 | 15.11 | 15.39 | 14.06 | 13.29 | 12.74 | 12.11 | 11.17 | 10.68 | 10.09 | 8.77 | 8.85 | 8.80 | 5.13 | 4.81 | 4.30 | 4.15 | 4.28 | 4.71 | 1.93 |
| Tangible BV per Share | 17.96 | 17.95 | 16.61 | 15.77 | 14.60 | 15.11 | 15.39 | 14.06 | 13.29 | 12.74 | 12.11 | 11.17 | 10.68 | 10.09 | 8.77 | 8.85 | 8.80 | 5.13 | 4.81 | 4.30 | 4.15 | 4.28 | 4.71 | 1.93 |
| Common Stock | 30K | 34K | 32K | 32K | 31K | 34K | 34K | 22K | 23K | 23K | 23K | 23K | 25K | 34K | 32K | 32K | 32K | 14K | 14K | 14K | 14K | 14K | 14K | 0 |
| Additional Paid-in Capital | 44.58M | 44.43M | 42.19M | 41.74M | 40.98M | 40.15M | 37.7M | 36.53M | 35.91M | 35.06M | 34.52M | 33.86M | 33.38M | 32.85M | 32.22M | 31.2M | 30.88M | 13.65M | 13.61M | 13.57M | 13.51M | 13.45M | 13.39M | 0 |
| Retained Earnings | 17.53M | 16.42M | 15.24M | 14.05M | 12.71M | 14.51M | 15.47M | 13.94M | 15.37M | 14.13M | 13.32M | 11.02M | 11.66M | 27.59M | 25.39M | 22.9M | 20.78M | 20.66M | 20.29M | 20.07M | 20.45M | 20.15M | 19.83M | 18.98M |
| Accumulated OCI | -3.13M | -2.13M | -1.93M | -2.62M | -2.65M | -1.7M | 275K | 915K | 20K | -1.05M | -352K | 84K | 100K | 172K | 44K | 1.37M | 1.43M | 2.1M | 439K | -2.63M | -4.39M | -4.86M | -801K | -1.67M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -15.7M | -13.17M | -2.71M | 0 | -2.09M | -1.89M | -1.81M | -1.77M | -211K | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Quick answers to the most common questions about buying HFBL stock.
As of 2026, Home Federal Bancorp, Inc. of Louisiana (HFBL) had total assets of $643.3M including $555.3M in current assets.
Home Federal Bancorp, Inc. of Louisiana (HFBL) carries total debt of $3.6M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Home Federal Bancorp, Inc. of Louisiana (HFBL) has total shareholders' equity (book value) of $58.8M ($19.14 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Home Federal Bancorp, Inc. of Louisiana (HFBL) reported a current ratio of 17913.35x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.
Key Metrics
Top Statement Risk
Regional economic concentration
Metrics are mathematically derived from official filings.
Asset Base Stability Amidst Conservatism
As reported in recent financial statements, HFBL's total assets have remained relatively stable, fluctuating between $607.8M and $654.2M over the last ten quarters, which suggests a management strategy focused on balance sheet preservation rather than aggressive expansion within the competitive Northwest Louisiana banking landscape.
The bank's asset composition is heavily weighted toward investment securities rather than a rapidly growing loan book, indicating a defensive posture. This reliance on securities suggests that the bank is prioritizing liquidity and capital preservation over the higher-risk, higher-reward pursuit of organic loan growth.
Excessive Capitalization Limits Return Potential
Based on the provided quarterly data, HFBL maintains an equity-to-assets ratio consistently near 0.09, which, when coupled with a debt-to-equity ratio of 0.07%, indicates an exceptionally conservative capital structure that provides a significant buffer against potential losses but likely suppresses the bank's overall return on equity.
This fortress-like capital position suggests that the bank is significantly over-capitalized relative to its current risk profile. While this provides immense safety for depositors, it raises questions regarding the efficiency of capital deployment and whether management is missing opportunities to leverage this strength for accretive growth.
Securities Portfolio Dominates Liquidity Profile
According to the latest balance sheet figures, the bank holds $581.2M in investment securities against $641.6M in total assets, demonstrating a heavy reliance on fixed-income instruments as the primary source of liquidity rather than a diversified, high-velocity loan portfolio.
This concentration in investment securities implies that the bank's liquidity profile is highly sensitive to interest rate fluctuations and the duration of its bond holdings. Investors should monitor whether this portfolio is being used to manage interest rate risk or if it reflects a lack of local loan demand.
Hidden Risks in Asset Concentration
As evidenced by the bank's 100% geographic concentration in the Shreveport-Bossier City corridor, the primary risk to the balance sheet is not traditional leverage, but rather the potential for localized economic stagnation to impair the value of the bank's core assets and investment securities.
The bank's reliance on a single regional market means that any downturn in local property values or employment could disproportionately impact its asset quality. The lack of geographic diversification warrants further investigation into how the bank's underwriting models account for specific regional economic vulnerabilities.