Lucedale, MS · Cert 11448 · Bancorp of Lucedale Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Mobile, AL · 2026 SOD (annual) · 1.5% share · #12 of 25 inst. · $0.2B of $10.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | 1.05% | 0.96% | 1.13% | 1.16% | 1.24% | 1.21% | 1.27% | +15 bps | |
| Return on Equity | 13.93% | 12.93% | 12.03% | 13.81% | 13.54% | 13.86% | 13.55% | 14.14% | +33 bps | |
| Net Interest Margin | 3.62% | 3.62% | 3.57% | 3.80% | 3.86% | 4.11% | 4.05% | 4.11% | +31 bps | |
| Efficiency Ratio | 63.05% | 72.01% | 70.57% | 66.63% | 67.27% | 71.35% | 66.68% | 66.89% | +27 bps | |
| Non-Interest Burden | 1.96% | 2.37% | 2.29% | 2.28% | 2.34% | 2.70% | 2.42% | 2.48% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.18% | 3.90% | 8.65% | 6.22% | 4.13% | 4.03% | 2.84% | 2.69% | -353 bps | |
| Loan Growth (YoY) | 6.67% | 2.25% | 2.50% | -0.87% | -2.66% | 5.62% | 3.66% | 7.84% | +872 bps | |
| Deposit Growth (YoY) | 6.89% | 3.30% | 9.74% | 5.77% | 3.70% | 3.00% | 1.87% | 1.79% | -398 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.74% | 0.52% | 0.48% | 0.48% | 0.52% | 0.61% | 0.63% | 0.60% | +11 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.63% | 0.12% | 0.03% | 0.10% | 0.11% | 0.17% | 0.02% | 0 bps | |
| Allowance / Loans | 1.52% | 1.44% | 1.40% | 1.44% | 1.45% | 1.36% | 1.33% | 1.31% | -12 bps | |
| Allowance Coverage of NPLs | 2.0x | 2.8x | 2.9x | 3.0x | 2.8x | 2.2x | 2.1x | 2.2x | -0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.55% | 9.41% | 9.45% | 9.52% | 9.74% | 9.85% | 10.08% | 10.12% | +60 bps | |
| Total Risk-Based Capital | 9.55% | 9.41% | 9.45% | 9.52% | 9.74% | 9.85% | 10.08% | 10.12% | +60 bps | |
| Equity / Assets | 8.33% | 7.88% | 8.03% | 8.28% | 8.90% | 9.01% | 8.89% | 9.13% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.50% | 75.15% | 74.80% | 73.17% | 72.76% | 77.07% | 76.11% | 77.52% | +435 bps | |
| Liquid Assets / Assets | 2.98% | 3.99% | 3.57% | 4.40% | 4.42% | 0.42% | 3.47% | 1.71% | -269 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 238% | 263% | 261% | n/a | n/a | |