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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.26% | 2.68% | 1.48% | 1.57% | 1.80% | 2.22% | 1.67% | 2.07% | +50 bps | |
| Return on Equity | 13.41% | 28.75% | 16.05% | 16.71% | 18.71% | 23.21% | 17.33% | 20.50% | +380 bps | |
| Net Interest Margin | 4.78% | 5.07% | 5.19% | 5.52% | 5.64% | 5.75% | 5.44% | 5.86% | +34 bps | |
| Efficiency Ratio | 66.20% | 63.02% | 63.25% | 62.17% | 60.53% | 55.42% | 60.80% | 55.78% | -640 bps | |
| Non-Interest Burden | 2.97% | 3.00% | 3.05% | 3.23% | 3.19% | 2.86% | 3.16% | 3.06% | -17 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 | 0.18% | 0.15% | 0.00% | 0.27% | 0.06% | 0.12% | 0.02% | 0.00% | -27 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 | |