Ruston, LA · Cert 15059 · Louisiana Bancshares Inc.
National charter · OCC · 9 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
25
Asset Quality
37
Profitability
95
Liquidity
0
Efficiency
68
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Ruston, LA · Cert 15059 · Louisiana Bancshares Inc.
National charter · OCC · 9 branches
Q2 2026
Market Position · Monroe, LA · 2026 SOD (annual) · 1.8% share · #15 of 20 inst. · $0.1B of $6.2B
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 | 1.06% | 1.46% | 1.48% | 1.53% | 1.61% | 1.76% | 1.67% | 1.87% | +35 bps | |
| Return on Equity | 11.47% | 15.85% | 16.05% | 16.34% | 17.16% | 18.70% | 17.33% | 18.91% | +257 bps | |
| Net Interest Margin | 4.50% | 4.63% | 5.19% | 5.38% | 5.43% | 5.35% | 5.44% | 5.68% | +30 bps | |
| Efficiency Ratio | 69.93% | 68.06% | 63.25% | 62.70% | 61.96% | 60.18% | 60.80% | 58.19% | -452 bps | |
| Non-Interest Burden | 2.98% | 2.97% | 3.05% | 3.15% | 3.14% | 2.98% | 3.16% | 3.13% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.38% | -1.79% | -1.41% | -1.65% | 0.45% | 7.59% | 5.40% | 5.67% | +731 bps | |
| Loan Growth (YoY) | 1.42% | -0.77% | -2.61% | -3.15% | -1.48% | 5.97% | 6.24% | 8.98% | +1,213 bps | |
| Deposit Growth (YoY) | 1.46% | -0.18% | 0.89% | -2.20% | 0.14% | 7.17% | 4.48% | 4.17% | +637 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.39% | 2.41% | 2.16% | 1.67% | 1.70% | 1.07% | 1.44% | 1.41% | -25 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.09% | 0.00% | 0.13% | 0.11% | 0.10% | 0.02% | 0.01% | -12 bps | |
| Allowance / Loans | 1.07% | 1.06% | 1.13% | 1.11% | 1.10% | 1.03% | 1.07% | 1.07% | -4 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.5x | 0.7x | 0.6x | 1.0x | 0.7x | 0.8x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.58% | 9.21% | 9.31% | 9.75% | 9.78% | 9.79% | 9.86% | 10.49% | +74 bps | |
| Total Risk-Based Capital | 9.58% | 9.21% | 9.31% | 9.75% | 9.78% | 9.79% | 9.86% | 10.49% | +74 bps | |
| Equity / Assets | 9.45% | 9.21% | 9.22% | 9.56% | 9.63% | 9.47% | 9.86% | 10.35% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.91% | 99.22% | 96.89% | 96.90% | 97.31% | 98.11% | 98.52% | 101.37% | +447 bps | |
| Liquid Assets / Assets | 2.13% | 0.88% | 3.17% | 2.08% | 2.26% | 1.35% | 1.58% | 0.34% | -174 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 557% | 569% | 565% | n/a | n/a | |
Ruston, LA · Cert 15059 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Louisiana Bancshares Inc.
National charter · OCC · 9 branches
Q2 2026
Return on Assets
1.88%
Rank 65 of 746
Net Interest Margin
5.68%
Rank 9 of 746
Efficiency Ratio
58.19%
Rank 243 of 746
Equity / Assets
10.35%
Rank 389 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.88% | 0.72% | 1.06% | 1.45% | Beats 91% | 65 / 746 | ||
| Return on Equity | 18.15% | 6.74% | 10.51% | 13.63% | Beats 94% | 48 / 746 | ||
| Net Interest Margin | 5.68% | 3.17% | 3.68% | 4.16% | Beats 99% | 9 / 746 | ||
| Efficiency Ratio | 58.19% | 55.74% | 64.58% | 75.47% | Beats 68% | 243 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.41% | 0.09% | 0.42% | 1.07% | Beats 18% | 610 / 743 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 55% | 335 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.49% | 11.55% | 13.75% | 17.60% | Beats 14% | 642 / 746 | ||
| Total Risk-Based Capital Ratio | 10.49% | 11.71% | 14.33% | 18.43% | Beats 13% | 652 / 746 | ||
| Equity / Assets | 10.35% | 8.90% | 10.51% | 13.06% | Beats 48% | 389 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 101.37% | 61.31% | 78.27% | 90.78% | 91st pctl | 67 / 746 | ||
| Loans / Assets | 88.47% | 53.60% | 66.97% | 76.08% | 98th pctl | 13 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||