Sicily Island, LA · Cert 12722
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.76% | 1.81% | 1.70% | 1.40% | 1.41% | -35 bps | |
| Return on Equity | 13.15% | 13.31% | 13.29% | 11.32% | 11.04% | -210 bps | |
| Net Interest Margin | 4.72% | 4.87% | 4.76% | 4.35% | 4.55% | -17 bps | |
| Efficiency Ratio | 59.83% | 59.36% | 60.00% | 64.27% | 62.75% | +292 bps | |
| Non-Interest Burden | 2.57% | 2.61% | 2.64% | 2.60% | 2.67% | +10 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.05% | 4.68% | 12.27% | 8.35% | 13.51% | +1,755 bps | |
| Loan Growth (YoY) | 10.82% | 5.96% | 4.26% | 2.60% | -0.80% | -1,163 bps | |
| Deposit Growth (YoY) | -6.66% | 0.69% | 11.06% | 9.02% | 18.98% | +2,564 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.18% | 0.46% | 0.14% | 0.22% | 0.13% | -105 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.07% | 0.04% | -0.03% | -0.08% | -15 bps | |
| Allowance / Loans | 0.98% | 0.96% | 0.98% | 0.96% | 1.01% | +3 bps | |
| Allowance Coverage of NPLs | 0.8x | 2.1x | 6.9x | 4.4x | 7.6x | +6.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.35% | 13.83% | 12.34% | 12.56% | 13.19% | -16 bps | |
| Total Risk-Based Capital | 13.35% | 13.83% | 12.34% | 12.56% | 13.19% | -16 bps | |
| Equity / Assets | 14.05% | 13.24% | 12.32% | 12.45% | 13.09% | -96 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 120.65% | 107.60% | 100.08% | 100.02% | 100.59% | -2,006 bps | |
| Liquid Assets / Assets | 0.02% | 10.92% | 14.82% | 13.09% | 12.85% | +1,283 bps | |
| CRE / Total Capital | n/a | 197.61% | 227% | 239% | n/a | n/a | |