Bom Bank
Natchitoches, LA · Cert 1373 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · 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 56% of banks $1B-$10B in assets operating regionally (rank 78 of 176).
- Widest gap: total risk-based capital ratio trails 88% of banks $1B-$10B in assets operating regionally (rank 155 of 176).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.97%
Rank 126 of 176
Net Interest Margin
3.66%
Rank 78 of 176
Efficiency Ratio
69.36%
Rank 141 of 176
Equity / Assets
10.38%
Rank 86 of 176
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.97% | 0.93% | 1.26% | 1.54% | Beats 28% | 126 / 176 | | |
| Return on Equity | 9.33% | 9.26% | 11.89% | 14.46% | Beats 26% | 130 / 176 | | |
| Net Interest Margin | 3.66% | 3.25% | 3.59% | 3.93% | Beats 56% | 78 / 176 | | |
| Efficiency Ratio | 69.36% | 52.79% | 59.55% | 67.66% | Beats 20% | 141 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.86% | 0.30% | 0.64% | 1.32% | Beats 38% | 110 / 176 | | |
| Net Charge-Offs / Loans | 0.12% | 0.01% | 0.04% | 0.10% | Beats 19% | 144 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 10.64% | 11.15% | 12.72% | 14.15% | Beats 18% | 145 / 176 | | |
| Total Risk-Based Capital Ratio | 10.64% | 11.81% | 13.63% | 15.33% | Beats 12% | 155 / 176 | | |
| Equity / Assets | 10.38% | 9.16% | 10.35% | 11.80% | Beats 51% | 86 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 87.30% | 80.94% | 89.73% | 97.21% | 40th pctl | 105 / 176 | | |
| Loans / Assets | 75.12% | 69.25% | 75.12% | 80.82% | 50th pctl | 88 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |