Sicily Island, LA · Cert 12722
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
53
Asset Quality
86
Profitability
71
Liquidity
0
Efficiency
53
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Sicily Island, LA · Cert 12722
State charter, non-member · FDIC · 2 branches
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 | 1.38% | 1.50% | 1.86% | 1.82% | 1.80% | 1.78% | 1.40% | 1.41% | -42 bps | |
| Return on Equity | 10.97% | 11.92% | 14.66% | 13.88% | 13.67% | 13.72% | 11.32% | 11.16% | -272 bps | |
| Net Interest Margin | 4.81% | 4.88% | 4.98% | 4.77% | 4.79% | 4.59% | 4.35% | 4.48% | -29 bps | |
| Efficiency Ratio | 69.28% | 67.08% | 59.43% | 59.62% | 59.54% | 59.65% | 64.27% | 63.50% | +388 bps | |
| Non-Interest Burden | 3.12% | 3.03% | 2.63% | 2.56% | 2.57% | 2.48% | 2.60% | 2.65% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.01% | 3.12% | 6.07% | -4.05% | 4.68% | 12.27% | 8.35% | 13.51% | +1,755 bps | |
| Loan Growth (YoY) | 2.96% | -0.37% | 2.02% | 10.82% | 5.96% | 4.26% | 2.60% | -0.80% | -1,163 bps | |
| Deposit Growth (YoY) | 13.36% | 4.74% | 8.78% | -6.66% | 0.69% | 11.06% | 9.02% | 18.98% | +2,564 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.28% | 0.23% | 1.00% | 1.18% | 0.46% | 0.14% | 0.22% | 0.13% | -105 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | -0.01% | 0.03% | 0.04% | 0.04% | -0.03% | -0.05% | -8 bps | |
| Allowance / Loans | 1.05% | 1.07% | 1.02% | 0.98% | 0.96% | 0.98% | 0.96% | 1.01% | +3 bps | |
| Allowance Coverage of NPLs | 3.7x | 4.7x | 1.0x | 0.8x | 2.1x | 6.9x | 4.4x | 7.6x | +6.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.07% | 12.60% | 13.24% | 13.35% | 13.83% | 12.34% | 12.56% | 13.19% | -16 bps | |
| Total Risk-Based Capital | 19.85% | 19.41% | 19.07% | 13.35% | 13.83% | 12.34% | 12.56% | 13.19% | -16 bps | |
| Equity / Assets | 12.78% | 12.71% | 12.71% | 14.05% | 13.24% | 12.32% | 12.45% | 13.09% | -96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.25% | 106.61% | 106.28% | 120.65% | 107.60% | 100.08% | 100.02% | 100.59% | -2,006 bps | |
| Liquid Assets / Assets | 11.32% | 7.30% | 7.75% | 0.02% | 10.92% | 14.82% | 13.09% | 12.85% | +1,283 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 197.61% | 227% | 239% | n/a | n/a | |
Sicily Island, LA · Cert 12722 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
1.41%
Rank 203 of 746
Net Interest Margin
4.48%
Rank 99 of 746
Efficiency Ratio
63.50%
Rank 348 of 746
Equity / Assets
13.09%
Rank 184 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.41% | 0.72% | 1.06% | 1.45% | Beats 73% | 203 / 746 | ||
| Return on Equity | 10.77% | 6.74% | 10.51% | 13.63% | Beats 53% | 352 / 746 | ||
| Net Interest Margin | 4.48% | 3.17% | 3.68% | 4.16% | Beats 87% | 99 / 746 | ||
| Efficiency Ratio | 63.50% | 55.74% | 64.58% | 75.47% | Beats 53% | 348 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.13% | 0.09% | 0.42% | 1.07% | Beats 72% | 207 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.19% | 11.55% | 13.75% | 17.60% | Beats 44% | 417 / 746 | ||
| Total Risk-Based Capital Ratio | 13.19% | 11.71% | 14.33% | 18.43% | Beats 39% | 452 / 746 | ||
| Equity / Assets | 13.09% | 8.90% | 10.51% | 13.06% | Beats 75% | 184 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 100.59% | 61.31% | 78.27% | 90.78% | 90th pctl | 74 / 746 | ||
| Loans / Assets | 79.36% | 53.60% | 66.97% | 76.08% | 84th pctl | 119 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||