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Home Federal Bank

$100M-$1B Specialty: Commercial LA FDIC cert 27654

Shreveport, LA

11 branches across LA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 73 in LA.
  • Deposits +5.7% year over year ($579.1M on the books).
  • Delinquency rate 0.64%.
  • Return on assets 1.07%.
  • Efficiency ratio 62.46% vs a 64.48% peer average.
  • Loan-to-deposit ratio 82.40% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 73 in LA
View $100M-$1B leaderboard (LA) →

Home Federal Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 2.02% below tier average
  • + Delinquency Rate 0.28% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 5.0% in tier
  • - Credit Quality Pressure: Bottom 27.5% in tier
  • - ROA 0.25% below tier average
  • - Net Interest Margin 0.19% below tier average
Get updates when Home Federal Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Total Assets ? $644.0M
+5.6% YoY +0.3% QoQ
+$257.5M $386.6M
+1.2% YoY
$799.3M
+7.8% YoY
$6.3B
+7.7% YoY
84%
Total Loans ? $477.1M
+3.2% YoY -0.9% QoQ
+$218.8M $258.3M
+1.7% YoY
$538.5M
+5.3% YoY
$3.2B
+9.4% YoY
Top 13.7% in tier
Total Deposits ? $579.1M
+5.7% YoY +0.6% QoQ
+$252.3M $326.7M
+0.7% YoY
$677.9M
+7.3% YoY
$4.9B
+7.3% YoY
Top 13.5% in tier
Return on Assets ? 1.07%
+41.1% YoY -1.7% QoQ
-0.25% 1.32%
+10.8% YoY
1.37%
+23.6% YoY
1.30%
+12.1% YoY
39%
Net Interest Margin ? 3.79%
+10.8% YoY +2.2% QoQ
-0.19% 3.99%
+5.0% YoY
4.15%
+0.0% YoY
3.95%
+4.9% YoY
42%
Efficiency Ratio ? 62.46%
-13.4% YoY +2.6% QoQ
-2.02% 64.48%
-3.2% YoY
69.40%
-0.9% YoY
70.05%
+2.5% YoY
50%
Delinquency Rate ? 0.64%
+6.4% YoY -9.4% QoQ
-0.28% 0.92%
+15.7% YoY
1.53%
+7.9% YoY
0.98%
+16.3% YoY
40%
Loan-to-Deposit Ratio ? 82.40%
-2.4% YoY -1.5% QoQ
+4.45% 77.95%
+1.0% YoY
77.15%
-1.0% YoY
79.03%
+2.3% YoY
44%
Non-Interest-Bearing Deposit Share ? 24.15%
+6.7% YoY -1.1% QoQ
+2.12% 22.03%
-0.6% YoY
24.65%
+0.5% YoY
21.98%
-0.6% YoY
63%
Nonperforming Asset Ratio ? 0.57%
-7.5% YoY -13.3% QoQ
-0.10% 0.67%
+16.4% YoY
1.11%
+4.1% YoY
0.69%
+15.8% YoY
36%
Tier 1 Capital Ratio ? 13.11%
-3.5% YoY +0.5% QoQ
-2.80% 15.91%
+1.4% YoY
17.35%
+5.4% YoY
17.09%
+0.8% YoY
49%
Non-Interest Income / Assets ? 0.21%
+7.0% YoY +121.2% QoQ
-0.35% 0.57%
+7.6% YoY
0.33%
+19.6% YoY
0.66%
+5.2% YoY
54%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Noninterest-Bearing 24.1%
+1.5pp YoY
-0.3pp QoQ
 +2.0pp 22.1% 24.6% 22.2% 63%
Brokered Deposits n/a n/a 7.9% 6.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
C&I 12.3%
+0.7pp YoY
+0.6pp QoQ
 +0.7pp 11.6% 12.6% 12.5% 65%
CRE 47.2%
+3.2pp YoY
+0.3pp QoQ
 +7.7pp 39.5% 44.9% 41.4% 66%
1-4 Family 40.0%
-3.2pp YoY
-0.6pp QoQ
 +7.3pp 32.6% 34.2% 31.3% 70%
Consumer 0.1%
-0.1pp YoY
0.0pp QoQ
 -4.0pp 4.1% 4.2% 5.0% 6%

Capital

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
CET1 Ratio 13.1%
-0.5pp YoY
+0.1pp QoQ
 -5.7pp 18.8% 22.5% 19.7% 29%
Leverage Ratio 9.3%
-0.1pp YoY
-0.2pp QoQ
 -2.9pp 12.2% 13.4% 12.6% 17%
Total Capital Ratio 14.2%
-0.5pp YoY
+0.1pp QoQ
 -5.7pp 19.9% 23.6% 20.8% 29%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Full-Time Employees 75
+3 (+4.2%) YoY
+4 (+5.6%) QoQ
 +16 58 114 482 74%
Assets per Employee ($) $8.6M
+1.4% YoY
-5.0% QoQ
 +$1.1M $7.5M $6.8M $8.8M 75%
Branch Count 11
0 YoY
0 QoQ
 +6 4 9 18 93%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.4% 0.4% 49%
Nonaccrual 0.5%
0.0pp YoY
-0.1pp QoQ
 -0.4pp 0.9% 1.4% 1.0% 55%
Allowance Coverage 1.62x
+0.1% YoY
+15.6% QoQ
 -22.53x 24.15x 27.36x 20.23x 42%
Net Charge-off Rate (YTD) -0.0%
-0.2pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 11%

Profitability

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
ROE 11.3%
+3.1pp YoY
-0.2pp QoQ
 -0.9pp 12.2% 12.5% 11.6% 45%
Cost of Funds (YTD) 1.7%
-0.1pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.7% 1.7% 53%
Net Income ($, YTD) $3.4M
+46.6% YoY
— QoQ
 +$859K $2.6M $5.1M $40.4M 74%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk
#48 of 936 • Bottom 5.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#347 of 1256 • Bottom 27.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.64%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

358
Total Deposits
size
Value: $579.07M
Peer Median: $326.73M
#358 of 2643 Top 13.5% in $100M-$1B
362
Total Loans
size
Value: $477.14M
Peer Median: $258.35M
#362 of 2643 Top 13.7% in $100M-$1B
429
Total Assets
size
Value: $644.02M
Peer Median: $386.57M
#429 of 2643 Top 16.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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