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Sicily Island State Bank

Sicily Island, LA · Cert 12722

State charter, non-member · FDIC · 2 branches

Q2 2026

$92.4MAssets
$73.3MLoans
$72.9MDeposits
$12.1MEquity
Loan mix
87%RE $62.6M9%C&I $6.5M4%Consumer $3.0MQ3 2024Q2 2026
Deposit mix
88%Interest-bearing $64.5M12%Noninterest $8.4MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.41%, down 35 bps year over year; NIM at 4.55%.
  • Asset quality: problem loans at 0.13% of loans (-105 bps YoY), with net recoveries of 0.08%.
  • Capital: tier 1 leverage ratio of 13.19%, down 16 bps from a year ago.
  • Funding: loans stand at 100.59% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.41%-35 bps YoY

Net Interest Margin (quarter, annualized)

4.55%-17 bps YoY

Efficiency Ratio (quarter, annualized)

62.75%+292 bps YoY

Tier 1 Leverage Ratio

13.19%-16 bps YoY

NIM

7.02%Q2 ’246.98%Q2 ’256.93%Q2 ’26+2%-4%

Non-interest income vs. expense

3.64%Q2 ’243.19%Q2 ’253.16%Q2 ’26-7%+4%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.91%1.81%1.86%1.76%1.81%1.70%1.40%1.41%-35 bps
Return on Equity15.23%14.22%14.66%13.15%13.31%13.29%11.32%11.04%-210 bps
Net Interest Margin5.09%4.90%4.98%4.72%4.87%4.76%4.35%4.55%-17 bps
Efficiency Ratio57.92%60.75%59.43%59.83%59.36%60.00%64.27%62.75%+292 bps
Non-Interest Burden2.67%2.62%2.63%2.57%2.61%2.64%2.60%2.67%+10 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 / Loans0.28%0.23%1.00%1.18%0.46%0.14%0.22%0.13%-105 bps
Net Charge-Offs / Loans0.00%0.01%-0.01%0.07%0.07%0.04%-0.03%-0.08%-15 bps
Allowance / Loans1.05%1.07%1.02%0.98%0.96%0.98%0.96%1.01%+3 bps
Allowance Coverage of NPLs3.7x4.7x1.0x0.8x2.1x6.9x4.4x7.6x+6.8x
Capital
Tier 1 Leverage Ratio13.07%12.60%13.24%13.35%13.83%12.34%12.56%13.19%-16 bps
Total Risk-Based Capital19.85%19.41%19.07%13.35%13.83%12.34%12.56%13.19%-16 bps
Equity / Assets12.78%12.71%12.71%14.05%13.24%12.32%12.45%13.09%-96 bps
Liquidity & Funding
Loans / Deposits102.25%106.61%106.28%120.65%107.60%100.08%100.02%100.59%-2,006 bps
Liquid Assets / Assets11.32%7.30%7.75%0.02%10.92%14.82%13.09%12.85%+1,283 bps
CRE / Total Capitaln/an/an/an/a197.61%227%239%n/an/a