UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT ~~PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934~~

~~Date~~PURSUANT ofTO ~~Report~~SECTION 13 OR 15(~~Date~~d) ofOF ~~earliest~~THE ~~event~~SECURITIES ~~reported):~~EXCHANGE ~~July~~ACT ~~22,~~OF ~~2024~~1934

Date of Report (Date of earliest event reported): July 24, 2024

HMN Financial, Inc.
(Exact Name of Registrant as Specified in its Charter)

Delaware		0-24100		41-1777397
(State or other jurisdiction of incorporation)		(Commission File Number)		(IRS Employer Identification No.)

1016 Civic Center Drive Northwest Rochester, Minnesota		55901
(Address of principal executive offices)		(Zip Code)

Registrant's telephone number, including area code (507) 535-1200 ~~______________________________________________________________ (Former name or former address, if changed since last report)~~

~~Check~~(Former ~~the~~name ~~appropriate~~or ~~box~~former ~~below~~address, if ~~the~~changed ~~Form~~since ~~8-K~~last ~~filing~~report) ~~is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐ Written communications pursuant to Rule 425 under the~~ Securities ~~Act~~registered ~~(17 CFR 230.425) ☐ Soliciting material~~ pursuant to ~~Rule~~Section ~~14a-~~12 ~~under the Exchange Act~~ (~~17 CFR 240.14a-12) ☐ Pre-commencement communications pursuant to Rule 14d-2(~~b) ~~under~~of the ~~Exchange~~ Act ~~(17 CFR 240.14d-2(b)) ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))~~:

~~Securities~~Title ~~registered~~of ~~pursuant~~Each toClass ~~Section~~Trading 12Symbol(bs) Name of ~~the~~Each ~~Act:~~Exchange on Which Registered Common Stock HMNF The Nasdaq Stock Exchange LLC

~~Title~~Check ofthe ~~Each~~appropriate ~~Class~~box ~~Trading~~below ~~Symbol(s)~~if ~~Name~~the ofForm ~~Each~~8-K ~~Exchange~~filing onis ~~Which~~intended ~~Registered~~to ~~Common~~simultaneously ~~Stock~~satisfy ~~HMNF~~the ~~The~~filing ~~Nasdaq~~obligation ~~Stock~~of ~~Market~~the ~~LLC~~registrant under any of the following provisions:

~~Indicate~~☐ Written bycommunications ~~check~~pursuant ~~mark~~to ~~whether the registrant is an emerging growth company as defined in~~ Rule ~~405~~425 ofunder the Securities Act of(17 ~~1933~~CFR (§230.~~405~~425) ☐ Soliciting ofmaterial ~~this~~pursuant ~~chapter)~~to or Rule ~~12b~~14a-212 ofunder the ~~Securities~~ Exchange Act of(17 ~~1934~~CFR (§240.~~12b~~14a-~~2 of this chapter~~12). ~~Emerging growth company~~ ☐ If Pre-commencement ancommunications ~~emerging~~pursuant ~~growth~~to ~~company,~~Rule ~~indicate~~14d-2(b) byunder ~~check mark if~~ the ~~registrant~~Exchange ~~has~~Act ~~elected~~(17 ~~not~~CFR to240.14d-2(b)) ☐ Pre-commencement ~~use~~communications ~~the extended transition period for complying with any new or revised financial accounting standards provided~~ pursuant to ~~Section~~Rule 1313e-4(ac) ofunder the Exchange Act. ☐(17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2).
Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operation and Financial Condition.

On July 2224, 2024, HMN Financial, Inc. (the “Company”) issued a press release (the “Press Release”) that included ~~financial~~a ~~information~~dividend ~~for its quarter ended June 30, 2024~~declaration. A copy of the Press Release is attached as Exhibit 99 to this Form 8-K and incorporated by reference into this Item 2.02. The information included in the Press Release is to be considered furnished under the Securities Exchange Act of 1934, as amended.

Item 9.01. Financial Statements and Exhibits

(d) Exhibits

Exhibit Number	~~Exhibit Number~~Description	~~Description~~
99	99Press Release dated July 24, 2024	~~Press Release dated July 22, 2024~~
104	~~104~~Cover Page Interactive Data File (embedded within the Inline XBRL document)	~~Cover Page Interactive Data File (embedded within the Inline XBRL document)~~

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	HMN Financial, Inc. (Registrant)
Date: July 22, 2024	/s/ Jon Eberle
Date: July 24, 2024	/s/ Jon Eberle
	Jon Eberle
	Jon Eberle Senior Vice President, Chief Financial Officer and Treasurer
	Senior Vice President, Chief Financial Officer and Treasurer

3 Index to Exhibits

Exhibit No.	Description

Exhibit 99	Press Release dated July 24, 2024

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