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 | |