Rayne, LA · Cert 16075 · Financial Corp. of Louisiana
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Lafayette, LA · 2026 SOD (annual) · 3.9% share · #6 of 41 inst. · $0.5B of $12.2B
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 | 1.29% | 1.33% | 1.46% | 1.50% | 1.60% | 1.58% | 1.52% | 1.64% | +15 bps | |
| Return on Equity | 12.88% | 13.91% | 18.23% | 18.41% | 18.88% | 18.27% | 16.47% | 17.23% | -119 bps | |
| Net Interest Margin | 3.92% | 3.87% | 3.89% | 3.91% | 4.00% | 3.92% | 3.84% | 3.94% | +3 bps | |
| Efficiency Ratio | 62.41% | 60.94% | 57.03% | 55.45% | 53.80% | 53.63% | 53.55% | 51.96% | -349 bps | |
| Non-Interest Burden | 2.33% | 2.24% | 2.09% | 2.04% | 1.98% | 1.95% | 1.92% | 1.91% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.28% | 1.31% | 2.94% | 8.46% | 5.65% | 7.43% | 10.90% | 0.47% | -799 bps | |
| Loan Growth (YoY) | 2.47% | -0.96% | 0.07% | 0.78% | -3.35% | -0.46% | 0.40% | 1.24% | +46 bps | |
| Deposit Growth (YoY) | -0.57% | 4.04% | 5.40% | 11.46% | 5.94% | 5.68% | 10.23% | -1.36% | -1,282 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.10% | 0.03% | 0.03% | 0.25% | 0.29% | 0.44% | 0.44% | 0.44% | +19 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.00% | 0.00% | 0.03% | 0.02% | 0.00% | 0.01% | 0 bps | |
| Allowance / Loans | 1.70% | 1.75% | 1.74% | 1.73% | 1.82% | 1.85% | 1.82% | 1.76% | +3 bps | |
| Allowance Coverage of NPLs | 17.0x | 63.3x | 65.4x | 6.8x | 6.2x | 4.2x | 4.2x | 3.9x | -2.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.83% | 10.63% | 10.84% | 10.93% | 11.35% | 11.08% | 11.31% | 11.58% | +66 bps | |
| Total Risk-Based Capital | 17.00% | 17.14% | 17.62% | 17.95% | 19.60% | 19.15% | 19.51% | 19.58% | +163 bps | |
| Equity / Assets | 8.70% | 7.80% | 8.21% | 8.36% | 9.52% | 9.41% | 9.04% | 10.19% | +183 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.81% | 74.01% | 72.89% | 72.02% | 70.98% | 69.71% | 66.39% | 73.92% | +190 bps | |
| Liquid Assets / Assets | 2.40% | 3.99% | 5.93% | 7.63% | 8.53% | 9.34% | 13.11% | 5.41% | -222 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 259% | 255% | 258% | n/a | n/a | |