Natchitoches, LA · Cert 1373 · Grant Bancshares Inc.
State charter, non-member · FDIC · 26 branches
Q2 2026
Market Position · Alexandria, LA · 2026 SOD (annual) · 2.9% share · #10 of 15 inst. · $0.1B of $3.4B
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 | 1.68% | 1.22% | 1.68% | 1.68% | 1.57% | 1.24% | 1.26% | 1.00% | -67 bps | |
| Return on Equity | 15.69% | 11.63% | 15.70% | 15.38% | 14.26% | 11.38% | 11.88% | 9.53% | -585 bps | |
| Net Interest Margin | 3.43% | 2.96% | 3.46% | 3.69% | 3.78% | 3.74% | 3.70% | 3.66% | -3 bps | |
| Efficiency Ratio | 55.49% | 60.67% | 55.92% | 56.22% | 56.76% | 61.22% | 64.20% | 68.54% | +1,232 bps | |
| Non-Interest Burden | 1.26% | 1.34% | 1.37% | 1.48% | 1.67% | 1.88% | 2.09% | 2.37% | +88 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 25.44% | 46.73% | 31.48% | 26.22% | 17.15% | 5.35% | 12.07% | 16.44% | -978 bps | |
| Loan Growth (YoY) | 16.72% | 37.66% | 26.37% | 24.59% | 22.41% | 7.42% | 12.69% | 16.55% | -804 bps | |
| Deposit Growth (YoY) | 24.91% | 48.38% | 29.95% | 19.88% | 14.74% | 2.76% | 10.86% | 18.24% | -164 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.08% | 1.47% | 1.80% | 1.59% | 1.43% | 1.18% | 1.24% | 0.86% | -73 bps | |
| Net Charge-Offs / Loans | 0.35% | 0.27% | 0.25% | 0.31% | 0.41% | 0.36% | 0.29% | 0.19% | -12 bps | |
| Allowance / Loans | 0.68% | 0.76% | 0.78% | 0.73% | 0.68% | 0.80% | 0.78% | 0.76% | +3 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.5x | 0.4x | 0.5x | 0.5x | 0.7x | 0.6x | 0.9x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.12% | 10.65% | 11.12% | 11.31% | 11.29% | 10.80% | 10.97% | 10.64% | -68 bps | |
| Total Risk-Based Capital | 12.12% | 10.65% | 11.12% | 11.31% | 11.29% | 10.80% | 10.97% | 10.64% | -68 bps | |
| Equity / Assets | 11.20% | 9.98% | 11.50% | 11.33% | 11.26% | 10.42% | 10.84% | 10.38% | -96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.74% | 81.36% | 85.70% | 88.56% | 87.21% | 85.05% | 87.11% | 87.30% | -126 bps | |
| Liquid Assets / Assets | 9.39% | 9.76% | 3.96% | 1.83% | 2.48% | 4.69% | 3.43% | 4.90% | +307 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 351% | 378% | 366% | n/a | n/a | |