Louisiana National Bank
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
$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 9 of 746).
- Widest gap: total risk-based capital ratio trails 87% of banks under $1B in assets operating in a single state (rank 652 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $14.6M · efficiency ratio beats 68% of banks under $1B in assets operating in a single state | 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 |