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 | |