HFBL Q3 FY26: Net income up 76% on margin expansion (+42bp) and loan growth; NPAs rise to $4.2M

Filed May 14, 2026 · Period ending March 31, 2026 · Compared to 10-Q May 13, 2025 · ~1 min read

Key Changes

• high

  Nine-month net income rose 76% to $4.7M from $2.7M, driven by net interest margin expansion to 3.68% from 3.14% (quarterly NIM 3.75% vs 3.33%) and 17% higher net interest income.

  MD&A: Net Income & Margin verify on EDGAR →
• high

  Non-performing assets climbed to $4.2M from $3.3M at June 30, 2025, continuing an upward trend; substandard loans rose to 25 (17 residential) from 18, signaling rising credit stress.

  MD&A: Asset Quality verify on EDGAR →
• high

  Loan portfolio grew 3.9% ($17.9M) to $478.9M, led by land loans (+$25.4M) and commercial real estate (+$2.5M); deposits up 5.2% ($28.1M) to $574.4M, reversing prior-year declines.

  MD&A: Balance Sheet Growth verify on EDGAR →