Bom Bank
Natchitoches, LA · Cert 1373 · Peer group: banks $1B-$10B in assets operating regionally (n=178) · Grant Bancshares Inc.
State charter, non-member · FDIC · 26 branches
Q2 2026
$1.6BAssets
$1.2BLoans
$1.4BDeposits
$167.0MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 57% of banks $1B-$10B in assets operating regionally (rank 76 of 178).
- Widest gap: total risk-based capital ratio trails 89% of banks $1B-$10B in assets operating regionally (rank 159 of 178).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.97%
Rank 125 of 178
Net Interest Margin
3.66%
Rank 76 of 178
Efficiency Ratio
69.36%
Rank 144 of 178
Equity / Assets
10.38%
Rank 86 of 178
Non-interest income vs. expense
Unfavorable gap of $36.9M · efficiency ratio beats 20% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.97% | 0.91% | 1.25% | 1.53% | Beats 30% | 125 / 178 | |
| Return on Equity | 9.33% | 9.18% | 11.89% | 14.44% | Beats 27% | 130 / 178 | |
| Net Interest Margin | 3.66% | 3.22% | 3.56% | 3.91% | Beats 57% | 76 / 178 | |
| Efficiency Ratio | 69.36% | 52.04% | 58.90% | 67.10% | Beats 20% | 144 / 178 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.86% | 0.29% | 0.60% | 1.26% | Beats 36% | 115 / 178 | |
| Net Charge-Offs / Loans | 0.12% | 0.01% | 0.03% | 0.10% | Beats 19% | 146 / 178 | |
| Capital |
| Tier 1 Capital Ratio | 10.64% | 11.19% | 12.72% | 14.14% | Beats 16% | 149 / 178 | |
| Total Risk-Based Capital Ratio | 10.64% | 11.91% | 13.63% | 15.33% | Beats 11% | 159 / 178 | |
| Equity / Assets | 10.38% | 9.12% | 10.35% | 11.80% | Beats 52% | 86 / 178 | |
| Liquidity & Funding |
| Loans / Deposits | 87.30% | 80.94% | 89.92% | 97.12% | 40th pctl | 107 / 178 | |
| Loans / Assets | 75.12% | 69.25% | 75.52% | 80.96% | 49th pctl | 91 / 178 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |