Golden Meadow, LA · Cert 17169 · SBT Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Houma-Bayou Cane-Thibodaux, LA · 2026 SOD (annual) · 2.7% share · #10 of 14 inst. · $0.1B of $5.4B
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 | 0.72% | 0.78% | 0.69% | 0.77% | 0.79% | 0.84% | 1.08% | 1.18% | +40 bps | |
| Return on Equity | 8.97% | 9.56% | 8.64% | 9.76% | 9.88% | 10.36% | 12.51% | 13.82% | +407 bps | |
| Net Interest Margin | 3.64% | 3.64% | 3.60% | 3.67% | 3.68% | 3.65% | 3.82% | 3.83% | +16 bps | |
| Efficiency Ratio | 76.47% | 75.14% | 77.47% | 75.05% | 75.07% | 74.03% | 67.33% | 65.13% | -992 bps | |
| Non-Interest Burden | 2.72% | 2.67% | 2.73% | 2.69% | 2.69% | 2.62% | 2.45% | 2.37% | -33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.47% | 2.64% | 6.53% | 2.02% | 4.98% | 5.00% | 3.76% | 9.95% | +793 bps | |
| Loan Growth (YoY) | 11.55% | 5.81% | 5.77% | 9.99% | 4.06% | 7.49% | 9.34% | 19.09% | +910 bps | |
| Deposit Growth (YoY) | -2.21% | 2.98% | 6.95% | 1.87% | 5.99% | 5.32% | 2.90% | 9.90% | +802 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.73% | 0.72% | 0.64% | 0.64% | 0.50% | 0.53% | 0.46% | -18 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.00% | 0.01% | 0.02% | 0.02% | -0.04% | -0.04% | -5 bps | |
| Allowance / Loans | 1.64% | 1.60% | 1.59% | 1.51% | 1.56% | 1.47% | 1.45% | 1.27% | -24 bps | |
| Allowance Coverage of NPLs | n/a | 2.2x | 2.2x | 2.3x | 2.4x | 2.9x | 2.7x | 2.8x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.32% | 11.46% | 10.47% | 10.66% | 10.61% | 10.54% | 11.00% | 10.63% | -3 bps | |
| Total Risk-Based Capital | 18.42% | 18.49% | 16.94% | 16.47% | 17.32% | 16.69% | 17.02% | 15.59% | -88 bps | |
| Equity / Assets | 8.69% | 8.42% | 7.51% | 7.83% | 8.17% | 8.59% | 8.61% | 8.33% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.16% | 72.99% | 70.04% | 73.64% | 69.86% | 74.49% | 74.42% | 79.80% | +616 bps | |
| Liquid Assets / Assets | 12.57% | 9.72% | 13.50% | 10.84% | 15.30% | 11.65% | 12.35% | 9.45% | -139 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 276% | 310% | 276% | n/a | n/a | |