TellerScore

Home Federal Bank is a savings bank headquartered in Shreveport, Louisiana, in business for about 102 years. At the end of Q2 2026 it reported $644.0M in total assets and $579.1M in deposits, with 11 offices.

Based on its Q2 2026 filing, Home Federal Bank scores 65/100, which we describe as moderate. That is higher than only 29% of 2,650 banks with $100 million – $1 billion. Among 104 banks headquartered in Louisiana, it ranks 66th. Its strongest component is problem-loan coverage (89/100; 5.5%), and its lowest is capital cushion (43/100; 9.29%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Tier 1 leverage ratio: 9.29%
Loan quality79/100
Noncurrent loans ÷ total loans: 0.63%
Earnings63/100
Return on assets (annualized): 1.07%
Funding & liquidity72/100
Loans ÷ deposits and uninsured-deposit share: 82.4% · 20.5% uninsured
Problem-loan coverage89/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.52%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (63 → 65), mostly because the earnings component improved by 13 points.

TellerScore
626567Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202463
Q4 202462
Q1 202562
Q2 202563
Q3 202566
Q4 202567
Q1 202664
Q2 202665
Tier 1 leverage ratio
5.00%7.22%9.44%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.99%
Q3 20249.02%
Q4 20248.94%
Q1 20259.24%
Q2 20259.40%
Q3 20259.35%
Q4 20259.36%
Q1 20269.44%
Q2 20269.29%
Noncurrent loans
0.33%0.51%0.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.33%
Q3 20240.40%
Q4 20240.48%
Q1 20250.55%
Q2 20250.59%
Q3 20250.41%
Q4 20250.36%
Q1 20260.70%
Q2 20260.63%
Return on assets
0.57%0.83%1.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.57%
Q3 20240.63%
Q4 20240.67%
Q1 20250.64%
Q2 20250.76%
Q3 20250.91%
Q4 20251.00%
Q1 20261.09%
Q2 20261.07%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$644.0M9.29%0.63%1.07%82.4%
Q1 202664$641.9M9.44%0.70%1.09%83.6%
Q4 202567$621.9M9.36%0.36%1.00%84.9%
Q3 202566$623.1M9.35%0.41%0.91%83.3%
Q2 202563$609.6M9.40%0.59%0.76%84.4%
Q1 202562$619.5M9.24%0.55%0.64%82.3%
Q4 202462$607.7M8.94%0.48%0.67%83.8%
Q3 202463$628.5M9.02%0.40%0.63%80.7%
Q2 202463$637.7M8.99%0.33%0.57%82.1%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.29%
17th
Total risk-based capital14.20%
63rd
Problem loans0.63%
40th
Net charge-offs-0.02%
91st
Return on assets1.07%
39th
Net interest margin3.79%
42nd
Efficiency ratio62.5%
50th
Loans to deposits82.4%
44th
Uninsured deposits20.5%
63rd
Loan-loss reserves1.02%
29th
Texas ratio5.5%
33rd

Similar-size banks in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
The First National Bank of JeaneretteBank Jeanerette, LA73 out of 100, Strong$646.5M10.0%0.23%vs
Delta BankBank Vidalia, LA67 out of 100, Moderate$632.0M10.0%1.04%vs
First National Bank of LouisianaBank Crowley, LA78 out of 100, Strong$631.1M11.0%0.00%vs
Homeland Federal Savings BankBank Columbia, LA59 out of 100, Moderate$657.8M9.2%0.99%vs
South Louisiana BankBank Houma, LA91 out of 100, Very strong$659.8M15.3%0.45%vs
United Community BankBank Raceland, LA83 out of 100, Strong$665.5M14.5%0.73%vs

Deposit insurance

Is my money safe at Home Federal Bank?

Yes. Home Federal Bank is an FDIC-insured institution (FDIC certificate #27654). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 20.5% of deposits ($118.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.29%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.20% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

Home Federal Bank lists 11 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Home Federal Bank reported 207 home-loan applications under HMDA (LEI 549300K2EV48DVSYNV15): 197 originated ($46,885,000 total), 8 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Home Federal Bank
Former names
Home Federal Savings and Loan Association
Type
Savings bank
FDIC certificate #
27654
RSSD ID
804374
Primary regulator
OCC
Holding company
Home Federal Bcorp Inc of LA
Established
January 1, 1924
Headquarters
222 Florida St, Shreveport, LA 71105
Employees
75

Quick answers

Home Federal Bank: common questions

Is Home Federal Bank FDIC insured?

Yes. Home Federal Bank is an FDIC-insured institution (FDIC certificate #27654). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Home Federal Bank's TellerScore?

65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Home Federal Bank ever failed?

There is no failure record for FDIC certificate #27654 in the FDIC failed bank list.

How many branches does Home Federal Bank have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Shreveport

InstitutionScoreAssetsCapitalProblem loansCompare
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
Willis Knighton Federal Credit UnionCredit union Shreveport, LA85 out of 100, Very strong$46.1M18.5%0.32%vs
Shreveport Police Federal Credit UnionCredit union Shreveport, LA85 out of 100, Very strong$8.7M17.2%0.68%vs
Avenue Baptist Brotherhood Federal Credit UnionCredit union Shreveport, LA84 out of 100, Strong$601K24.6%0.00%vs
Red River BankBank Alexandria, LA82 out of 100, Strong$3.3B12.5%0.11%vs
City Bank & Trust Co.Bank Natchitoches, LA82 out of 100, Strong$382.0M11.4%0.00%vs