Shreveport, LA · Cert 27654 · Home Federal Bcorp Inc. of La
State savings bank · OCC · 11 branches
Q2 2026
Market Position · Shreveport-Bossier City, LA · 2026 SOD (annual) · 5.8% share · #8 of 23 inst. · $0.6B of $9.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 0.82% | 0.64% | 0.88% | 1.22% | 1.27% | 1.09% | 1.05% | +17 bps | |
| Return on Equity | 7.91% | 8.73% | 6.87% | 9.37% | 12.84% | 13.29% | 11.43% | 11.10% | +172 bps | |
| Net Interest Margin | 2.91% | 3.02% | 3.13% | 3.34% | 3.49% | 3.53% | 3.53% | 3.63% | +28 bps | |
| Efficiency Ratio | 79.40% | 69.79% | 76.24% | 68.30% | 59.74% | 57.09% | 60.88% | 63.93% | -438 bps | |
| Non-Interest Burden | 2.26% | 2.00% | 2.29% | 2.13% | 1.90% | 1.83% | 1.98% | 2.14% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.18% | -7.15% | -3.68% | -4.40% | -0.86% | 2.33% | 3.61% | 5.65% | +1,005 bps | |
| Loan Growth (YoY) | -10.01% | -8.85% | -8.32% | -2.12% | 1.96% | 2.84% | 4.85% | 3.22% | +534 bps | |
| Deposit Growth (YoY) | -4.70% | -6.28% | -3.75% | -4.78% | -1.10% | 1.57% | 3.16% | 5.70% | +1,048 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.40% | 0.48% | 0.55% | 0.59% | 0.41% | 0.36% | 0.70% | 0.63% | +4 bps | |
| Net Charge-Offs / Loans | -0.31% | 0.00% | 0.11% | 0.17% | 0.12% | 0.05% | -0.03% | 0.00% | -17 bps | |
| Allowance / Loans | 1.02% | 1.02% | 1.00% | 0.96% | 0.93% | 0.93% | 0.98% | 1.02% | +6 bps | |
| Allowance Coverage of NPLs | 2.6x | 2.1x | 1.8x | 1.6x | 2.3x | 2.6x | 1.4x | 1.6x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.02% | 8.94% | 9.24% | 9.40% | 9.35% | 9.36% | 9.44% | 9.29% | -11 bps | |
| Total Risk-Based Capital | 14.29% | 14.37% | 14.53% | 14.67% | 14.36% | 14.42% | 14.10% | 14.20% | -47 bps | |
| Equity / Assets | 9.36% | 9.35% | 9.26% | 9.48% | 9.48% | 9.68% | 9.43% | 9.50% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.52% | 84.65% | 83.10% | 85.25% | 84.04% | 85.72% | 84.46% | 83.25% | -200 bps | |
| Liquid Assets / Assets | 10.93% | 12.96% | 13.68% | 11.66% | 11.93% | 10.64% | 11.03% | 12.68% | +102 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 370% | 378% | 386% | n/a | n/a | |