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 (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 | 0.71% | -0.36% | 0.98% | 1.18% | 0.90% | 0.63% | 1.11% | 0.44% | -74 bps | |
| Return on Equity | 8.66% | -4.19% | 11.05% | 13.08% | 9.64% | 6.43% | 11.26% | 4.46% | -862 bps | |
| Net Interest Margin | 4.22% | 4.05% | 4.37% | 4.22% | 4.25% | 4.10% | 3.95% | 3.90% | -32 bps | |
| Efficiency Ratio | 78.43% | 75.16% | 73.60% | 70.24% | 75.07% | 73.07% | 69.68% | 87.73% | +1,748 bps | |
| Non-Interest Burden | 3.16% | 2.77% | 3.07% | 2.58% | 3.08% | 2.82% | 2.39% | 3.24% | +65 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 | 0.02% | 0.32% | 0.29% | 0.03% | 0.41% | 0.61% | 0.01% | 0.01% | -2 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 | |