Home Federal Bancorp is the bank holding company for Home Federal Bank, a community savings bank operating in northwest Louisiana. The bank gathers deposits from local individuals and businesses and uses those funds to originate loans, primarily real estate loans—including one-to-four family residential and commercial properties—and commercial business loans. Home Federal Bank earns revenue primarily through net interest margin, which is the spread between interest earned on loans and securities and interest paid on customer deposits. To manage interest rate risk and generate fee income, the bank also sells a portion of its fixed-rate residential mortgage loans into the secondary market. The bank originates loans and gathers deposits through a network of branch offices across Caddo, Bossier, and Webster Parishes, relying on relationships with local customers, realtors, and builders. Home Federal Bank focuses on diversifying its loan portfolio away from residential mortgages toward commercial real estate, commercial business, and construction loans, while funding its balance sheet primarily through core customer deposits.