Caldwell Bank & Trust Company
Columbia, LA · Cert 11785 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · Caldwell Holding Co.
State charter, non-member · FDIC · 2 affiliate banks · 6 branches (17 in holding)
Q2 2026
$298.6MAssets
$228.3MLoans
$257.6MDeposits
$29.5MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 60% of banks under $1B in assets operating in a single state (rank 303 of 752).
- Widest gap: nonperforming loans / loans trails 94% of banks under $1B in assets operating in a single state (rank 707 of 748).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.76%
Rank 549 of 752
Net Interest Margin
3.90%
Rank 303 of 752
Efficiency Ratio
78.94%
Rank 609 of 752
Equity / Assets
9.87%
Rank 462 of 752
Non-interest income vs. expense
Unfavorable gap of $8.2M · efficiency ratio beats 19% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.76% | 0.72% | 1.07% | 1.45% | Beats 27% | 549 / 752 | |
| Return on Equity | 7.65% | 6.78% | 10.58% | 13.65% | Beats 31% | 518 / 752 | |
| Net Interest Margin | 3.90% | 3.18% | 3.69% | 4.17% | Beats 60% | 303 / 752 | |
| Efficiency Ratio | 78.94% | 55.75% | 64.49% | 75.47% | Beats 19% | 609 / 752 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.86% | 0.09% | 0.42% | 1.03% | Beats 6% | 707 / 748 | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.05% | Beats 28% | 538 / 748 | |
| Capital |
| Tier 1 Capital Ratio | 10.03% | 11.55% | 13.75% | 17.60% | Beats 9% | 688 / 752 | |
| Total Risk-Based Capital Ratio | 10.03% | 11.70% | 14.33% | 18.47% | Beats 8% | 691 / 752 | |
| Equity / Assets | 9.87% | 8.93% | 10.56% | 13.13% | Beats 39% | 462 / 752 | |
| Liquidity & Funding |
| Loans / Deposits | 88.63% | 62.23% | 78.64% | 91.26% | 70th pctl | 225 / 752 | |
| Loans / Assets | 76.47% | 54.61% | 67.41% | 76.47% | 75th pctl | 188 / 752 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |