 INVESTKentucky Churchill Downs, Louisville, KY John E. Peck, President & Chief Executive Officer Billy C. Duvall, Senior Vice President & Chief Financial Officer June 9, 2011 1 Exhibit 99.1 |
 Certain statements contained herein are forward-looking statements, within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934 and are subject to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995, that involve risks and uncertainties. Actual results may differ materially from the results in these forward-looking statements. Factors that might cause such a difference include, among other matters, changes in interest rates, economic conditions, governmental regulation and legislation, credit quality and competition affecting the Company’s business; the risk of natural disasters and future catastrophic events including terrorist related incidents; and other factors discussed in the Company’s Annual Report on Form 10-K for the year ended December 31, 2010 and in subsequent reports filed on Form 10-Q and Form 8-K. We can give no assurance that any of the events anticipated by the forward-looking statements will occur or, if any of them does, what impact they will have on our results of operations and financial condition. We disclaim any intent or obligation to publicly update or revise any forward-looking statements, regardless of whether new information becomes available, future developments occur or otherwise, except as required by law. 2 Cautionary and Forward Looking Statements |
 3 Headquarters: Hopkinsville, Kentucky 18 branches: 11 in Kentucky; 7 in Tennessee Total Assets: $1.07 billion Common Stockholders’ Equity: $108.3 million Total Loans: $594.7 million Total Deposits: $833.9 million Source: SNL Financial LC and Company reports Financials as of March 31, 2011 Company Profile |
 4 Experienced Management Our management team has over 125 years of combined industry experience and strong ties to the Western Kentucky and Middle Tennessee markets Years with Industry Name Position HFBC Experience Previous experience John Peck President & CEO 11 30 President and CEO of United Commonwealth Bank President of Firstar Bank-Calloway County Mike Woolfolk Chief Operating Officer 11 39 President of Firstar Bank-Marshall County Senior Vice President of Operations of Citizens Bank Billy Duvall Chief Financial Officer 10 21 Auditor with Rayburn, Betts & Bates, P.C. Examiner with National Credit Union Administration Michael Stalls SVP & Chief Credit Officer 8 37 Senior Lending Officer at Regions Bank (Southern TN) |
 5 Business Strategy Focus on relationship banking We operate our franchise in a manner that provides local decision making in our retail offices We have a local market president and a local market advisory board within our larger markets Focus on our existing market footprint Our markets are ideal for a community bank as they provide both stability and growth Ft. Campbell military base, located within our markets, is a major source of stability Considerable population growth is projected for both the Clarksville and Nashville MSAs Take advantage of our unique position as a middle market player Our primary competitors are either large regional banks or smaller community banks We are small enough to present ourselves to our customers as a locally-based community bank, yet large enough to attract businesses that require a larger capital base to service their needs Continue to reposition our balance sheet In the last ten years we have transformed our Bank from a traditional mutual savings bank into a highly diversified financial institution We believe that the continued diversification of our loan portfolio and improved deposit mix will result in improved operating results We distinguish our self from our competition by offering comprehensive banking services to businesses and individuals in our markets with personalized service |
 Summary Rationale Pricing date: June 16, 2010 Gross proceeds: $32.4 million (including overallotment) Price per share: $9.00 Shares issued: 3,583,334 Shares issued / total shares: 49.9% Price/ pro forma tang. book value: 69.0% 2% Stock Dividend September 30, 2010 Further strengthens our balance sheet and regulatory capital ratios Supports ongoing and future growth Eventual redemption of our TARP preferred capital Current Pricing Multiples Stock Price (as of 6/05/11): $9.37 TBV ($12.17): 68.6% Source: SNL Financial LC and Company reports 6 2010 Common Stock Offering |
 Balance Sheet Strength Consolidated Capital Ratios Asset Quality as of March 31, 2011 Tier 1 Capital Ratio (1) : 10.94% RBC Ratio (1) : 19.27% TCE / TA: 8.47% Non-accrual loans / Loans: 1.02% Performing TDRs / Loans: 1.38% NPAs / Total assets: Including TDRs: 2.17% Excluding TDRs: 1.41% LLR / Non-accrual loans: 229% LLR / Total loans: 2.35% (1) Includes $18..4 million in TARP preferred equity 7 |
 Market Areas – Clarksville/Hopkinsville 8 Offices in 4 counties Clarksville, TN is ninth fastest growing city in United States Entire market area home to Ft. Campbell Army Base with 22,000 active personnel – largest employer in TN and KY “Green Energy Corridor” – future home of Hemlock Semiconductor Diverse agricultural production – corn, wheat, soybeans, cattle and tobacco Strong retail and service industries Home to Austin Peay State University with 10,000+ students Recognized for growth potential, talented labor pool and affordable living Clarksville/Hopkinsville MSA Market Share (1) (1) Source: FDIC Summary of Deposit data as of June 30, 2010 Institution Name Number Deposits Market Market Of In Share Rank State Offices Market Percent 1 PLANTERS BANK INC KY 8 422,909 13.13% 2 F&M BANK TN 9 410,122 12.74% 3 HERITAGE BANK KY 7 364,325 11.32% 4 REGIONS BANK AL 7 343,073 10.66% 5 BRANCH BANKING&TRUST CO NC 6 257,748 8.01% 6 LEGENDS BANK TN 6 249,970 7.76% 7 U S BANK NATIONAL ASSN MN 12 245,376 7.62% 8 FIRST FEDERAL SAVINGS BANK TN 5 218,468 6.79% 9 BANK OF AMERICA NA NC 6 203,812 6.33% 10 GREENBANK TN 5 122,550 3.81% 11 CUMBERLAND BANK&TRUST TN 5 120,076 3.73% 12 UNITED SOUTHERN BANK KY 4 117,757 3.66% 13 BANK OF CADIZ&TRUST CO KY 4 72,992 2.27% 14 INTEGRA BANK NATIONAL ASSN IN 2 69,995 2.17% 15 FORT SILL NATIONAL BANK OK 1 645 0.02% TOTALS 87 3,219,818 100.00% 8 |
 Market Areas – Western Kentucky 6 Offices in 3 counties Significant agricultural base with prominent wheat, corn and soybean production Light manufacturing Tourism focused on Kentucky Lake and Land Between the Lakes Home to Murray State with 10,000+ students Market Share Fulton, Marshall and Calloway Counties (1) (1) Source: FDIC Summary of Deposit data as of June 30, 2010 Market Number of In Market Market Ranking Institution Name State Offices Deposits Share 1 CFSB KY 6 361,920 23.47% 2 HERITAGE BANK KY 6 359,921 23.34% 3 BB&T NC 4 207,650 13.46% 4 REGIONS BANK KY 5 189,480 12.29% 5 MURRAY BANK KY 2 177,834 11.53% 6 U.S. BANK N/A OH 3 108,332 7.02% 7 CITIZENS BANK KY 2 77,530 5.03% 8 REELFOOT BANK KY 1 32,938 2.14% 9 FIRST KENTUCKY BANK KY 2 16,772 1.09% 10 FNB BANK KY 1 7,757 0.50% 11 BANK OF CADIZ KY 1 1,475 0.10% 12 WOODFOREST BANK TX 1 545 0.04% GRAND TOTAL 34 1,542,154 100.00% 9 |
 10 Market Areas – Middle Tennessee 3 Offices in Cheatham County and 1 in Houston County Cheatham County is in Nashville MSA and currently serves as a Nashville bedroom community Light manufacturing Management values good deposit mix, long term growth prospects and proximity to Nashville Nashville MSA Market Share (1) (1) Source: FDIC Summary of Deposit data as of June 30, 2010 Number Deposits Market Offices in Market Rank Institution Name State In Market Market Share 1 REGIONS BANK AL 66 6,610,975 17.79% 2 BANK OF AMERICA NA NC 38 5,940,444 15.98% 3 SUNTRUST BANK GA 56 4,332,099 11.66% 4 PINNACLE NATIONAL BANK TN 30 3,557,595 9.57% 5 FIRST TENNESSEE BANK NA TN 48 1,975,700 5.32% 6 FIFTH THIRD BANK OH 30 1,466,635 3.95% 7 WILSON BANK&TRUST TN 20 1,248,176 3.36% 8 TENNESSEE COMMERCE BANK TN 1 1,244,551 3.35% 9 U S BANK NATIONAL ASSN OH 52 1,066,240 2.87% 10 WELLS FARGO BANK NA SD 12 833,982 2.24% 48 HERITAGE BANK KY 3 61,537 0.17% 60 Grand Total 564 37,169,372 100.00% |
 Over the last 10 years, we have transformed our franchise from traditional mutual to a vibrant community bank Dec. 2000 Dec. 2008 Mar.2011 (Dollars in Thousands) Non-interest bearing 3,828 2.3% 57,134 8.0% $72,503 8.7% Interest bearing checking 9,527 5.7% 89,549 12.6% 135,785 16.3% Total checking 13,355 8.0% 146,683 20.6% 208,288 25.0% MMDA & Savings 34,371 20.8% 58,374 8.2% 67,012 8.0% Time Deposits Retail < 100K 103,446 62.5% 289,063 40.5% 349,269 41.9% Retail > 100K 14,432 8.7% 218,885 30.7% 121,962 14.6% Brokered --- --- --- --- 87,372 10.5% Total time deposits 117,878 71.2% 507,948 71.2% 558,603 67.0% Total deposits 165,604 100.0% 713,005 100.0% $833,903 100.0% Franchise Transformation - Funding 11 |
 Deposit Portfolio Total Deposit Growth ($M) Marketing campaign focused on increasing our market share of checking accounts that began in 2008 has netted 4,000 new noninterest bearing checking accounts in each of the last three years Our base of core deposits has been a driver of our net interest margin and profitability throughout our recent history Company is reducing outstanding balances of brokered deposits and FHLB borrowings. Source: SNL Financial LC and company reports 12 |
 Deposits at March 31, 2011 Cost of Deposits 1 st Qtr. 2010 Overall Cost of Deposits: 2.27% 1 st Qtr. 2011 Overall Cost of Deposits: 1.86% 13 |
 Dec.2000 Dec.2008 Mar.2011 (Dollars in Thousands) Loans: 1-4 family $93,147 71.1% $223,598 35.3% $227,137 38.2% Multi-family 2,841 2.2% 36,857 5.8% 28,664 4.8% Non-residential real estate 21,695 16.6% 162,980 25.7% 191,673 32.3% Construction & Development 5,729 4.4% 122,500 19.3% 79,578 13.4% Commercial 946 0.7% 64,595 10.2% 50,076 8.4% Franchise Transformation - Lending 14 |
 15 Loans at March 31, 2011 Total Loans: $594.3 million Weighted Average Yield: 5.73% 1 - 4 family 38% 5% Constr. 3% Land 10% CRE 32% Consumer 3% C&I 9% Multi-family |
 Loan Concentrations / Risk Based Capital (Dollars in Thousands) Outstanding % of Total % of Risk Balance Loans Based Capital Consumer $17,218 2.9% 13.8% RE - 1 - 4 family 227,137 38.3% 182.0% Multi-family 28,664 4.8% 23.0% CRE (investor) 28,402 4.8% 22.8% CRE (owner occupied) 163,271 27.5% 130.8% Construction 20,164 3.4% 16.2% Land & land development 59,414 10.0% 47.6% C&I 50,076 8.4% 40.1% Total $594,346 100.0% 518.4% Consolidated Risk Based Capital $124,816 16 |
 Loans Past Due 30 - 89 Days 17 |
 Non-Performing Loans / Total Loans 18 |
 Non-Performing Assets/ Total Assets 19 |
 Allowance / Total Loans 20 |
 Net Interest Margin 21 |
 (1) Excludes goodwill impairment and foreclosed property expense. (2) KY Banks & Thrifts include all banks and thrifts headquartered in Kentucky that are listed on a major stock exchange. 0.69% 0.56% 0.53% 0.55% 0.74% 0.09% 0.00% 0.25% 0.50% 0.75% 1.00% 1.25% 1.50% 2005 2006 2007 2008 2009 YTD 61.95% 70.66% 73.30% 69.84% 66.88% 62.58% 40.00% 50.00% 60.00% 70.00% 80.00% 2005 2006 2007 2008 2009 YTD 2.61% 2.71% 2.89% 3.06% 2.97% 3.28% 0.00% 1.00% 2.00% 3.00% 4.00% 5.00% 2005 2006 2007 2008 2009 YTD 9.24% 8.33% 7.65% 7.84% 8.08% 1.18% 0.00% 2.50% 5.00% 7.50% 10.00% 12.50% 15.00% 2005 2006 2007 2008 2009 YTD Return on Average Equity Net Interest Margin Efficiency Ratio (1) Return on Average Assets HopFed Bancorp, Inc. KY Banks & Thrifts (2) Source: SNL Financial LC and company reports 22 Historical Performance |
 Why Invest in HopFed Bancorp, Inc. History of strong financial performance We have remained profitable during the recent economic downturn and believe that we are positioned to take advantage of future growth opportunities Strong Asset Quality Our asset quality metrics have remained superior to our peers Experienced Management Team We have an experienced and energetic management team with strong relationships in our market areas Disciplined approach to internal and external growth We are confident in our ability to successfully integrate future branch or whole bank acquisitions as well as grow through de novo branches Attractive Entry Point Opportunity to invest in a high quality franchise with a proven track record and at a significant discount to tangible book value and peer trading multiples We believe there will be exceptional opportunities for responsible strategic growth in our market areas 23 |
 Appendix: Company History 1879: The Bank was founded under the name Hopkinsville Building and Loan Association 1940: The Bank converted to a savings association and began insuring deposits 1983: The Bank became a federal mutual savings bank 1997: HopFed Bancorp, Inc. was incorporated under the laws of Delaware 1998: The Bank converted from a federal mutual savings bank to a federal stock savings bank and the Company became listed on the NASDAQ 2000: John E. Peck named President and Chief Executive Officer 2002: Bank changed name from Hopkinsville Federal Savings Bank to Heritage Bank 2002: Acquired two branch offices in Fulton, Kentucky from Old National Bancorp 2006: Acquired four branch offices in Middle Tennessee from AmSouth Bancorp 2006: Opened first of three branch offices in Clarksville, Tennessee 2008: Issued $18.4 million of Series A Preferred Stock under CPP to the Treasury June 2010: Completed sale of 3,583,334 shares of common stock We are a Kentucky-based unitary savings and loan holding company. Our wholly-owned savings bank subsidiary is Heritage Bank. 24 |
 John E. Peck Billy C. Duvall President & Chief Executive Officer SVP & Chief Financial Officer (270) 887-8401 (270) 887-8404 john.peck@bankwithheritage.com billy.duvall@bankwithheritage.com 25 |