Home Federal Bancorp is the holding company for Home Federal Bank, a community savings bank serving the Shreveport-Bossier City-Minden area of northwest Louisiana. The bank operates through its home office and eleven full-service branches across Caddo, Bossier, and Webster Parishes, including a branch added through the 2023 acquisition of First National Bank of Benton. Home Federal Bank operates a traditional community banking model: it collects deposits from local residents and businesses, then lends that money out at higher rates, earning the spread. Deposits total roughly $546M, split approximately 65% transaction accounts and 35% CDs. The loan portfolio is heavily concentrated in real estate, which accounts for about 88% of total loans, with one-to-four family residential mortgages and commercial real estate as the two largest categories. The portfolio is predominantly fixed-rate, which creates interest rate sensitivity — rising deposit costs are not offset quickly by higher loan yields. To manage this, the bank sells long-term fixed-rate conforming mortgages into the secondary market rather than holding them, which also generates modest fee income. The bank supplements loan income with an investment securities portfolio of roughly $86M, primarily mortgage-backed securities. Customers are primarily local individuals and small- to mid-sized businesses, and the bank sources loans through existing relationships, local realtors, and builders. Home Federal Bank was established in 1924 and competes on local relationships and market knowledge rather than scale.