Evangeline Bank and Trust Company, The
Ville Platte, LA · Cert 12611 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Evangeline Bancshares Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
$1.1BAssets
$929.9MLoans
$890.6MDeposits
$159.6MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 91% of banks $1B-$10B in assets operating in a single state (rank 22 of 258).
- Widest gap: nonperforming loans / loans trails 82% of banks $1B-$10B in assets operating in a single state (rank 213 of 258).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.80%
Rank 31 of 258
Net Interest Margin
4.20%
Rank 33 of 258
Efficiency Ratio
51.94%
Rank 67 of 257
Equity / Assets
14.33%
Rank 22 of 258
Non-interest income vs. expense
Unfavorable gap of $21.3M · efficiency ratio beats 74% of banks $1B-$10B 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 | 1.80% | 0.93% | 1.23% | 1.54% | Beats 88% | 31 / 258 | | |
| Return on Equity | 12.56% | 9.26% | 11.84% | 14.74% | Beats 57% | 112 / 258 | | |
| Net Interest Margin | 4.20% | 3.16% | 3.49% | 3.88% | Beats 87% | 33 / 258 | | |
| Efficiency Ratio | 51.94% | 51.71% | 60.30% | 69.65% | Beats 74% | 67 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.24% | 0.19% | 0.46% | 0.90% | Beats 18% | 213 / 258 | | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.02% | 0.07% | Beats 38% | 160 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 14.22% | 11.41% | 12.98% | 15.12% | Beats 67% | 84 / 258 | | |
| Total Risk-Based Capital Ratio | 14.22% | 12.10% | 13.91% | 16.08% | Beats 53% | 122 / 258 | | |
| Equity / Assets | 14.33% | 9.09% | 10.24% | 11.72% | Beats 91% | 22 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 104.42% | 73.24% | 86.34% | 95.95% | 91st pctl | 24 / 258 | | |
| Loans / Assets | 83.49% | 63.01% | 72.27% | 78.40% | 91st pctl | 24 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |