CLB the Community Bank
Jonesville, LA · Cert 10532 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Catahoula Holding Co.
State charter, non-member · FDIC · 7 branches
Q2 2026
$350.9MAssets
$208.7MLoans
$313.1MDeposits
$36.8MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 66% of banks under $1B in assets operating in a single state (rank 253 of 746).
- Widest gap: net charge-offs / loans trails 93% of banks under $1B in assets operating in a single state (rank 693 of 743).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.22%
Rank 283 of 746
Net Interest Margin
3.99%
Rank 253 of 746
Efficiency Ratio
59.69%
Rank 277 of 746
Equity / Assets
10.49%
Rank 375 of 746
Non-interest income vs. expense
Unfavorable gap of $7.5M · efficiency ratio beats 63% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.22% | 0.72% | 1.06% | 1.45% | Beats 62% | 283 / 746 | | |
| Return on Equity | 11.66% | 6.74% | 10.51% | 13.63% | Beats 61% | 294 / 746 | | |
| Net Interest Margin | 3.99% | 3.17% | 3.68% | 4.16% | Beats 66% | 253 / 746 | | |
| Efficiency Ratio | 59.69% | 55.74% | 64.58% | 75.47% | Beats 63% | 277 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.58% | 0.09% | 0.42% | 1.07% | Beats 7% | 689 / 743 | | |
| Net Charge-Offs / Loans | 0.23% | 0.00% | 0.01% | 0.05% | Beats 7% | 693 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 11.36% | 11.55% | 13.75% | 17.60% | Beats 23% | 578 / 746 | | |
| Total Risk-Based Capital Ratio | 11.36% | 11.71% | 14.33% | 18.43% | Beats 21% | 587 / 746 | | |
| Equity / Assets | 10.49% | 8.90% | 10.51% | 13.06% | Beats 50% | 375 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 66.67% | 61.31% | 78.27% | 90.78% | 32nd pctl | 510 / 746 | | |
| Loans / Assets | 59.49% | 53.60% | 66.97% | 76.08% | 34th pctl | 489 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |