Columbia, LA · Cert 11785 · Caldwell Holding Co.
State charter, non-member · FDIC · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
19
Asset Quality
17
Profitability
40
Liquidity
53
Efficiency
19
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Columbia, LA · Cert 11785 · Caldwell Holding Co.
State charter, non-member · FDIC · 2 affiliate banks · 6 branches (17 in holding)
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 0.62% | 0.98% | 1.08% | 1.03% | 0.93% | 1.11% | 0.77% | -31 bps | |
| Return on Equity | 10.73% | 7.13% | 11.05% | 12.12% | 11.26% | 10.05% | 11.26% | 7.82% | -430 bps | |
| Net Interest Margin | 4.07% | 3.79% | 4.37% | 4.21% | 4.21% | 4.24% | 3.95% | 3.90% | -31 bps | |
| Efficiency Ratio | 74.99% | 75.04% | 73.60% | 71.80% | 72.83% | 72.88% | 69.68% | 78.94% | +715 bps | |
| Non-Interest Burden | 2.83% | 2.63% | 3.07% | 2.77% | 2.86% | 2.89% | 2.39% | 2.80% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.86% | 13.29% | 19.99% | 4.17% | -1.40% | 2.83% | 0.94% | 0.69% | -348 bps | |
| Loan Growth (YoY) | 23.11% | 20.96% | 19.42% | 8.28% | 3.68% | -3.75% | -3.59% | -3.55% | -1,182 bps | |
| Deposit Growth (YoY) | 21.63% | 13.89% | 20.88% | 2.59% | -5.55% | 1.45% | -0.19% | -0.11% | -270 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.39% | 3.78% | 2.45% | 2.17% | 2.22% | 3.28% | 3.58% | 2.86% | +69 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.11% | 0.29% | 0.15% | 0.24% | 0.36% | 0.01% | 0.01% | -14 bps | |
| Allowance / Loans | 0.78% | 1.30% | 1.15% | 1.12% | 1.05% | 1.20% | 1.18% | 1.15% | +2 bps | |
| Allowance Coverage of NPLs | 0.2x | 0.3x | 0.5x | 0.5x | 0.5x | 0.4x | 0.3x | 0.4x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.11% | 8.40% | 9.38% | 9.41% | 9.63% | 9.80% | 10.03% | 10.03% | +62 bps | |
| Total Risk-Based Capital | 9.11% | 8.40% | 9.38% | 9.41% | 9.63% | 9.80% | 10.03% | 10.03% | +62 bps | |
| Equity / Assets | 8.27% | 8.73% | 8.95% | 9.08% | 9.66% | 9.87% | 9.86% | 9.87% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.93% | 85.17% | 86.68% | 91.79% | 92.13% | 80.81% | 83.73% | 88.63% | -316 bps | |
| Liquid Assets / Assets | 11.47% | 9.01% | 8.63% | 6.45% | 5.76% | 13.79% | 10.63% | 8.57% | +212 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 281% | 229% | 221% | n/a | n/a | |
Columbia, LA · Cert 11785 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Caldwell Holding Co.
State charter, non-member · FDIC · 2 affiliate banks · 6 branches (17 in holding)
Q2 2026
Return on Assets
0.76%
Rank 543 of 746
Net Interest Margin
3.90%
Rank 293 of 746
Efficiency Ratio
78.94%
Rank 605 of 746
Equity / Assets
9.87%
Rank 447 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.76% | 0.72% | 1.06% | 1.45% | Beats 27% | 543 / 746 | ||
| Return on Equity | 7.65% | 6.74% | 10.51% | 13.63% | Beats 31% | 513 / 746 | ||
| Net Interest Margin | 3.90% | 3.17% | 3.68% | 4.16% | Beats 61% | 293 / 746 | ||
| Efficiency Ratio | 78.94% | 55.74% | 64.58% | 75.47% | Beats 19% | 605 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.86% | 0.09% | 0.42% | 1.07% | Beats 6% | 700 / 743 | ||
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.05% | Beats 27% | 541 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.03% | 11.55% | 13.75% | 17.60% | Beats 9% | 681 / 746 | ||
| Total Risk-Based Capital Ratio | 10.03% | 11.71% | 14.33% | 18.43% | Beats 8% | 684 / 746 | ||
| Equity / Assets | 9.87% | 8.90% | 10.51% | 13.06% | Beats 40% | 447 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 88.63% | 61.31% | 78.27% | 90.78% | 71st pctl | 218 / 746 | ||
| Loans / Assets | 76.47% | 53.60% | 66.97% | 76.08% | 76th pctl | 178 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||