Caldwell Bank & Trust Company
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
$298.6MAssets
$228.3MLoans
$257.6MDeposits
$29.5MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 61% of banks under $1B in assets operating in a single state (rank 293 of 746).
- Widest gap: nonperforming loans / loans trails 94% of banks under $1B in assets operating in a single state (rank 700 of 743).
- Overall: at or above the peer median on 1 of 9 directional measures.
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
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 | 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 |