Louisiana National Bank
Ruston, LA · Cert 15059 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · Louisiana Bancshares Inc.
National charter · OCC · 9 branches
Q2 2026
$474.0MAssets
$419.4MLoans
$413.7MDeposits
$49.1MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 99% of banks under $1B in assets operating in a single state (rank 10 of 755).
- Widest gap: total risk-based capital ratio trails 88% of banks under $1B in assets operating in a single state (rank 664 of 755).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.88%
Rank 70 of 755
Net Interest Margin
5.68%
Rank 10 of 755
Efficiency Ratio
58.19%
Rank 238 of 755
Equity / Assets
10.35%
Rank 408 of 755
Non-interest income vs. expense
Unfavorable gap of $14.6M · efficiency ratio beats 69% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.88% | 0.72% | 1.06% | 1.45% | Beats 91% | 70 / 755 | |
| Return on Equity | 18.15% | 6.66% | 10.44% | 13.61% | Beats 94% | 49 / 755 | |
| Net Interest Margin | 5.68% | 3.15% | 3.68% | 4.17% | Beats 99% | 10 / 755 | |
| Efficiency Ratio | 58.19% | 55.75% | 64.78% | 75.61% | Beats 69% | 238 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.41% | 0.09% | 0.42% | 1.05% | Beats 17% | 622 / 751 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 56% | 331 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 10.49% | 11.56% | 13.81% | 17.74% | Beats 14% | 653 / 755 | |
| Total Risk-Based Capital Ratio | 10.49% | 11.72% | 14.46% | 18.53% | Beats 12% | 664 / 755 | |
| Equity / Assets | 10.35% | 8.93% | 10.56% | 13.13% | Beats 46% | 408 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 101.37% | 62.43% | 78.62% | 91.00% | 91st pctl | 71 / 755 | |
| Loans / Assets | 88.47% | 54.70% | 67.27% | 76.55% | 98th pctl | 13 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |