Metairie, LA · Cert 16539 · MBT Bancshares Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · New Orleans-Metairie, LA · 2026 SOD (annual) · 1.4% share · #11 of 32 inst. · $0.5B of $36.0B
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 | 1.09% | 1.08% | 0.95% | 1.10% | 1.14% | 1.17% | 1.21% | 1.22% | +12 bps | |
| Return on Equity | 11.39% | 11.28% | 9.61% | 10.94% | 11.20% | 11.44% | 11.34% | 11.40% | +46 bps | |
| Net Interest Margin | 3.43% | 3.49% | 3.67% | 3.74% | 3.76% | 3.72% | 3.96% | 3.97% | +23 bps | |
| Efficiency Ratio | 66.61% | 66.20% | 69.78% | 67.66% | 66.47% | 64.96% | 62.41% | 61.00% | -666 bps | |
| Non-Interest Burden | 2.03% | 2.07% | 2.41% | 2.37% | 2.33% | 2.25% | 2.31% | 2.25% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.75% | 3.53% | 3.37% | 4.46% | 5.65% | 6.49% | 5.25% | 6.58% | +212 bps | |
| Loan Growth (YoY) | 12.90% | 10.13% | 7.71% | 9.24% | 10.23% | 10.37% | 7.83% | 8.48% | -76 bps | |
| Deposit Growth (YoY) | 4.02% | 7.12% | 11.47% | 11.23% | 9.72% | 8.67% | 5.26% | 5.74% | -549 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.39% | 0.45% | 0.40% | 0.39% | 0.37% | 0.35% | 0.52% | 0.46% | +8 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.02% | 0.04% | 0.03% | 0.02% | 0.02% | 0.03% | 0.02% | -1 bps | |
| Allowance / Loans | 1.00% | 1.01% | 0.99% | 1.00% | 0.99% | 0.98% | 1.01% | 1.04% | +4 bps | |
| Allowance Coverage of NPLs | 2.6x | 2.2x | 2.5x | 2.6x | 2.7x | 2.8x | 1.9x | 2.3x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.37% | 11.30% | 11.40% | 11.37% | 11.53% | 11.26% | 11.61% | 11.49% | +12 bps | |
| Total Risk-Based Capital | 11.37% | 11.30% | 11.40% | 11.37% | 11.53% | 11.26% | 11.61% | 11.49% | +12 bps | |
| Equity / Assets | 10.14% | 9.83% | 10.01% | 10.25% | 10.48% | 10.55% | 10.71% | 10.75% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.39% | 84.87% | 84.06% | 84.64% | 84.78% | 86.20% | 86.11% | 86.83% | +219 bps | |
| Liquid Assets / Assets | 0.64% | 1.01% | 1.00% | 0.85% | 2.93% | 2.50% | 3.31% | 2.97% | +212 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 383% | 399% | 392% | n/a | n/a | |