Ville Platte, LA · Cert 12611 · Evangeline Bancshares Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Alexandria, LA · 2026 SOD (annual) · 7.6% share · #3 of 15 inst. · $0.3B of $3.4B
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 | 1.38% | 1.32% | 1.42% | 1.49% | 1.49% | 1.55% | 2.06% | 1.79% | +30 bps | |
| Return on Equity | 10.34% | 9.99% | 10.89% | 11.33% | 11.23% | 11.69% | 15.10% | 12.93% | +160 bps | |
| Net Interest Margin | 3.94% | 3.88% | 3.88% | 3.94% | 4.00% | 4.00% | 4.13% | 4.20% | +26 bps | |
| Efficiency Ratio | 55.68% | 56.58% | 54.81% | 53.14% | 51.93% | 53.05% | 47.92% | 51.94% | -120 bps | |
| Non-Interest Burden | 2.04% | 2.05% | 1.99% | 1.85% | 1.86% | 1.93% | 1.52% | 1.89% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.77% | 9.36% | 8.00% | 7.19% | 7.64% | 4.72% | 3.52% | 1.35% | -584 bps | |
| Loan Growth (YoY) | 6.10% | 5.15% | 6.44% | 5.42% | 3.87% | 3.25% | 1.28% | 1.79% | -363 bps | |
| Deposit Growth (YoY) | 7.32% | 11.72% | 10.04% | 8.27% | 9.46% | 5.04% | 4.06% | 1.38% | -689 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.47% | 1.57% | 1.66% | 1.44% | 2.19% | 1.23% | 1.31% | 1.24% | -19 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.05% | -0.02% | 0.22% | 0.21% | 0.27% | 0.01% | 0.05% | -16 bps | |
| Allowance / Loans | 1.43% | 1.48% | 1.48% | 1.44% | 1.48% | 1.42% | 1.42% | 1.39% | -5 bps | |
| Allowance Coverage of NPLs | 1.0x | 0.9x | 0.9x | 1.0x | 0.7x | 1.2x | 1.1x | 1.1x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.70% | 13.26% | 13.17% | 13.41% | 13.65% | 13.42% | 13.94% | 14.22% | +82 bps | |
| Total Risk-Based Capital | 13.70% | 13.26% | 13.17% | 13.41% | 13.65% | 13.42% | 13.94% | 14.22% | +82 bps | |
| Equity / Assets | 13.55% | 12.92% | 13.17% | 13.34% | 13.59% | 13.39% | 13.91% | 14.33% | +99 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.27% | 102.55% | 104.15% | 104.00% | 103.69% | 100.80% | 101.37% | 104.42% | +42 bps | |
| Liquid Assets / Assets | 2.11% | 4.37% | 2.80% | 3.15% | 3.21% | 3.75% | 1.84% | 1.93% | -122 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 286% | 278% | 268% | n/a | n/a | |