# HOME FEDERAL BANK
SHREVEPORT, LA · FDIC certificate 27654 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $644.0M | |
| Deposits | $579.1M | |
| Loans and leases | $482.1M | |
| Total equity | $61.2M | |
| Loans / deposits | 82.40% (p51 of band) | 82.04% |
| Liquid assets / assets | 20.70% (p34 of band) | |
| Uninsured deposits / deposits | 20.46% (p30 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.29% (p18 of band) | 10.81% |
| Unrealized securities loss / equity | -18.21% (p25 of band) | -8.10% |
| AOCI / equity | -0.78% (p31 of band) | |
| ROA (annualized) | 1.07% (p37 of band) | 1.28% |
| Net interest margin | 3.79% (p43 of band) | 3.91% |
| Efficiency ratio | 62.46% (p54 of band) | |
| Noncurrent loans | 0.63% (p60 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p7 of band) | |
| Reserve coverage of noncurrent | 162.25% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 92.13% (p83 of band) | |
| Auto loans | $223,000 (0.05% of loans; DQ 6.73%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.7% | |
| Employees | 75 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | wholesale funding >15% |  |
| 2013-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | wholesale funding >15% |
| 2013-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 3 | loans exceed deposits, wholesale funding >15%, capital falling |  |
| 2014-12 | 2 |  | capital falling |
| 2015-03 | 1 |  | wholesale funding >15% |
| 2015-06 | 2 | capital falling, uninsured deposits leaving | loans exceed deposits |
| 2015-09 | 0 |  | capital falling, uninsured deposits leaving |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | loans exceed deposits |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | wholesale funding >15%, reserve under noncurrent | loans exceed deposits |
| 2017-03 | 0 |  | wholesale funding >15%, reserve under noncurrent |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | charge-offs p90 |  |
| 2017-12 | 0 |  | charge-offs p90 |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | charge-offs p90 |  |
| 2018-09 | 2 | capital falling |  |
| 2018-12 | 0 |  | charge-offs p90, capital falling |
| 2019-03 | 1 | reserve under noncurrent |  |
| 2019-06 | 2 | capital falling |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 | charge-offs p90 | reserve under noncurrent |
| 2020-03 | 3 | noncurrent p90, reserve under noncurrent | charge-offs p90 |
| 2020-06 | 2 |  | noncurrent p90 |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 | charge-offs p90 | capital falling |
| 2021-03 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | securities losses >30% of equity |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | securities losses >30% of equity |
| 2023-06 | 0 |  |  |
| 2023-09 | 2 | securities losses >30% of equity, uninsured deposits leaving |  |
| 2023-12 | 0 |  | securities losses >30% of equity, uninsured deposits leaving |
| 2024-03 | 4 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2024-06 | 2 | capital falling | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-09 | 1 | assets shrinking | charge-offs p90, capital falling |
| 2024-12 | 2 | deposits shrinking |  |
| 2025-03 | 0 |  | assets shrinking, deposits shrinking |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-27 [Home Federal Bank warns customers of phone scam - KTBS 3](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQdTdKWjVFaWVzWHVMOXp4dEh3cUx6YjJvSFpkY2hQU29NTURrQk01d1ZCNVhCeDd2bmd3WmJKdHFjQWhkY2lzUVhUeWtXcl83VHZxR3hvdFZ2QVp5TTdKSWpPQ0F4b1RONnFWTXQxa0pxWERSR2o1VFJROXNLUDVBcGJpS0doN0wtcTFhdUpKWEhNZ3FzY1Z0LVd0SklFaDhKUVFUZ19FTGdEVUVWaTVZYWM0bmkxcS1KdnY4NUo2cnRtdER0T01USA?oc=5) · KTBS 3
- 2025-08-14 [Man arrested in connection to robbery at Home Federal Bank - KSLA](https://news.google.com/rss/articles/CBMikAFBVV95cUxOeUVjc2tHc1pPREx5UmNhclo2RnhQWF83RWJFTk9uZXUxY2MxS3ZsODF6S0lpQkU1Mm44VkNVbmRnWGRmUTYtM0k1eW5sUjhmT1VoRy1SbUJfenlKakxUVEU2XzFqZTdrajVSNU1TUkFMbi1WendsVVVHdHJpeUg3anJEc0ZnQTV4Y3ctbExFSUg?oc=5) · KSLA
- 2021-02-22 [Home Federal Bank (LA) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMihAFBVV95cUxQNHJzY2tBSHpIZm5ad0pMWlhfVW1qRklqekJuUVgtVEZjOTVCYlk0cjRaY3VjLXVON3hzU09aX3laUGMxTmxUa1dlcWRHVVZaNDRFMnRhaHFwaHUtRlhvdFFfcWtRczRlQUJET2dsbGl1Wmpvem96NFdNS1dVSEQ2U3pzZW4?oc=5) · SmartAsset
- 2025-06-20 [83 rising bank leader advance knowledge at LA Tech’s School of Banking - Lincoln Parish Journal](https://news.google.com/rss/articles/CBMitAFBVV95cUxNWUI2Q1JpUmZuWm5STUVTZVdjMkdTNGQyT2hQeFpQdzNKa3AwdG9nMGZMbUw4bTJOZXNZQVljYm9BR0psTEF4OTlkYXpuTlh0OFE4NnBUR1RuMmN2Wkt4ajd3dVZ0RVJlY24za3RSdUFIRXgxMk9Xb2ZlQUZMYm5sZjVXVl9RWmVRUjN2c3FyZXhuVVY5NG1qNHJ6enN3Y2pnZjdCZEE3YVYzUElYTTVlX3VlUnk?oc=5) · Lincoln Parish Journal
- 2020-07-31 [Home Federal Bank Announces Additional Employee Bonuses - GlobeNewswire](https://news.google.com/rss/articles/CBMixgFBVV95cUxPUmt5V19SSzlJcVBrZjlTT3ktZVBCbHR2aW1IdmhXX0R0dk9zOUl4aWNZVU8yUUpNbVdFSkR2WGt5UmRNUkFjQXljX1kydzBOek1KbjAwUXBCVHRWdVRjR3hVOHdIUVhSc294dHhpVk5uY2lzU2RRaEp2RVpMOVZVVXNWSFhBcnVjUVBmMkpsR29YQTMwVV9JTGVvLW1qV2IteG9NUURDbGVnb1NYLUQ3bUdKVnRSRkVSaGZ2QmdJN1dGUC1ydmc?oc=5) · GlobeNewswire
- 2026-04-07 [Northwest Louisiana banker chosen to lead banking association education arm - The Shreveport-Bossier City Advocate](https://news.google.com/rss/articles/CBMigAJBVV95cUxOX19XMFo5SXhuX3dBQ3ZWMWFsVWJRNmMtZXg5cTk0MHZOVGJ0T1UwaTR2eEJVNEtZaEhmV21kY3V1Qm5TUE1zV2ZBWnpoQmJxWTFiWXZoZXl5blRybmx2U1ZWcXZaUTZyaVJ5YTRaMnRPR1Q0THFFMkx1UlFTUndubUsydndzOEQ2ZHpKMjJlaW9ieDgwYUZUbE50UXlRb3l0TmRLZlFIcGd0QW9XYXNwcFROOWxVRmhTT1ZPVUVyNi1OMUpqbk85T0tPdXlXNlV6ajZSMVkxcWdaVzcwMEE0ZEZxM2oxZm1JQnBjeWtkZ2NIbjZORHRSWWtGQ3h0akM3?oc=5) · The Shreveport-Bossier City Advocate
- 2025-08-14 [Shreveport police looking for armed bank robbery suspect - KSLA](https://news.google.com/rss/articles/CBMihgFBVV95cUxQbk10UjZJeUdVdzdaMzAxTDFEY2lQVHV1NFljSkJvY2Q1bExzclhZRmVqNFdsdWZKOFFSVExJWVFlZmpRM3F6cS1SUjRCX2dRdUczcEE5S0VQWFFzVE5hT2o5WjkzU2lKVFVHM1djdC1Wb3VzUEo4dUhzbEF1QmlrRHRybDlrd9IBmgFBVV95cUxPUHNycVFEdjQ0Qm9Sb0NFR3d6SWdzYzRxaElIWU9kMEotbkdLT3VvZzd2TXYxWDhzWkZtLXFoOEczT2xfVUlKeWlIU296VHVEYU9JZktUa2ZBcmdwd0txMVBaOWlCeGVYYmFzTDlQQWNIYVk1cHJWMUlQcTU1OFVtQVNHdlJzcm40Q3BBd0FaTWs3aVNQY2Rfdl93?oc=5) · KSLA
- 2019-03-13 [Home Federal Bank cuts ribbon at new location - KTBS 3](https://news.google.com/rss/articles/CBMiygFBVV95cUxPQjdBLXJzQkQ0NldWV0tTWWpfcE1mUGcxT1BBNzlYNUNFYTh1dG1yRTAzSW9vREZCUnZZN2t3dDhWUmtnVEhmR0UtREpiMHJ4SUhfaTRyTWlPUEJYeEJfUE1HTzJiX1owNVNjVWZ5NkxCZnZMN3dOOEd5THU2OGdNUWU0dWt4STZEWTc0cVA3R1dmQ094RHpfOTMzLU9fSmg4ZTJsMlVzRkRDODIwY2c0anZxQU04N0ZkbTlRUU51Z1VCZUFYVi1jVnl3?oc=5) · KTBS 3

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27654 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/6.json (key "27654", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide