Sicily Island State Bank
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
$92.4MAssets
$73.3MLoans
$72.9MDeposits
$12.1MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: total risk-based capital ratio trails 61% of banks under $1B in assets operating in a single state (rank 452 of 746).
- Overall: at or above the peer median on 7 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $2.5M · efficiency ratio beats 53% of banks under $1B 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 | 1.41% | 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 |