Home Federal Bancorp reports record annual net income of $6.2M, up 59% on margin expansion

Filed July 30, 2026 · Period ending July 30, 2026 · ~1 min read

Key Changes

• high

  Net income rose 58.8% to $1.428 million for fiscal 2026 vs. $3.888M prior year; EPS increased to $2.05 (basic) and $2.02 (diluted) from $1.27 and $1.26, driven by 16.7% net interest income growth and 33.3% non-interest income gain.

  Exhibit 99.1 view on EDGAR →
• high

  Net interest margin expanded 49 basis points to 3.72% from 3.23% year-over-year, with interest rate spread widening to 3.07% from 2.55%, reflecting favorable asset repricing and 9.2% decline in interest expense.

  Exhibit 99.1 view on EDGAR →
• medium

  Provision for credit losses increased $720K (571.4%) due to loan portfolio growth and additional reserves on certain problem loans based on updated valuations; non-performing assets rose to 0.57% of total assets from 0.54%.

  Exhibit 99.1 view on EDGAR →