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Overview / Commentary
624 Market St
Shreveport, LA 71101

Home Federal Bank (LA) is headquartered in Shreveport and is the 48th largest bank in the state of Louisiana. It is also the 2,231st largest bank in the nation. It was established in 1924 and as of March of 2014, it had grown to 50 employees at 4 locations. Home Federal Bank (LA) has a A+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Home Federal Bank (LA) had $269,000 in non-current loans and owned real-estate with $43.68 million in equity and loan loss allowances on hand to cover it. This gives Home Federal Bank (LA) a Texas Ratio of 0.62% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Home Federal Bank (LA) decreased dramatically from 1.73% as of March 31, 2013 to 0.62% as of March 31, 2014, resulting in a positive change of 64.45%.This indicates that the balance sheet and financial strength for Home Federal Bank (LA) has improved dramatically in recent periods.

Deposit Growth


In the past year, Home Federal Bank (LA) has increased its total deposits by $26.59 million, resulting in 13.05% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Home Federal Bank (LA) has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Home Federal Bank (LA) has $290.1 million in assets with $43.68 million in equity, resulting in a capitalization level of 15.06%, which is excellent.

Institution Statistics

FDIC Certificate #27654
Year Established1924
Primary RegulatorOCC
Assets and Liabilities
Assets$290.10 million
Loans$225.97 million
Deposits$230.26 million
Equity Capital$41.33 million
Loan Loss Allowance$2.35 million
Unbacked Noncurrent Loans$269,000
Real Estate Owned$0
Historic Data - March 2013
Assets$276.37 million
Equity Capital$42.27 million
Loan Loss Allowance$2.12 million
Unbacked Noncurrent Loans$269,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.98%
Return on Equity6.86%
Interest Income$3.21 million
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Home Federal Bank (LA) Checking Account Rates

4.00%-$15kSmart Rewards Checking - Qualifying

Home Federal Bank (LA) CD Rates

2.00%$10k-66 Month Flex CD
0.75%$1k$95k13 Month Flex CD

Home Federal Bank (LA) Locations
Viking Drive Branch2555 Viking DriveBossier City, LA 71111
Home Federal Bank624 Market StShreveport, LA 71101
6363 Youree Dr Branch6363 Youree DriveShreveport, LA 71105
8990 Mansfield Road Branch9300 Mansfield RoadShreveport, LA 71118