New Roads, LA · Cert 17767 · Great Guaranty Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
83
Asset Quality
24
Profitability
64
Liquidity
91
Efficiency
52
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
New Roads, LA · Cert 17767 · Great Guaranty Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Baton Rouge, LA · 2026 SOD (annual) · 1.0% share · #13 of 40 inst. · $0.3B of $26.7B
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 | 1.10% | 1.19% | 1.19% | 1.21% | 1.17% | 1.15% | 1.30% | 1.28% | +7 bps | |
| Return on Equity | 8.82% | 9.59% | 9.64% | 9.68% | 9.16% | 8.86% | 9.72% | 9.51% | -18 bps | |
| Net Interest Margin | 4.35% | 4.33% | 4.39% | 4.55% | 4.70% | 4.68% | 4.44% | 4.45% | -9 bps | |
| Efficiency Ratio | 68.72% | 67.43% | 66.01% | 64.32% | 65.23% | 66.66% | 64.05% | 63.98% | -34 bps | |
| Non-Interest Burden | 2.91% | 2.80% | 2.82% | 2.85% | 2.98% | 3.08% | 2.79% | 2.79% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.57% | 1.54% | 6.80% | 5.42% | 1.82% | -0.11% | 0.46% | 2.16% | -326 bps | |
| Loan Growth (YoY) | -2.21% | -2.58% | 0.21% | 1.68% | 2.67% | 2.71% | -1.56% | -2.16% | -384 bps | |
| Deposit Growth (YoY) | 3.94% | 6.64% | 7.11% | 1.48% | 1.38% | -1.59% | -0.36% | 5.13% | +364 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.02% | 1.99% | 2.26% | 4.02% | 3.15% | 3.52% | 4.20% | 3.99% | -4 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.07% | 0.21% | 0.11% | 0.13% | 0.10% | 0.01% | 0.01% | -10 bps | |
| Allowance / Loans | 1.00% | 1.03% | 0.98% | 1.04% | 1.02% | 1.09% | 1.14% | 1.16% | +12 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.5x | 0.4x | 0.3x | 0.3x | 0.3x | 0.3x | 0.3x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.74% | 13.70% | 13.05% | 13.26% | 14.13% | 14.40% | 13.66% | 13.82% | +56 bps | |
| Total Risk-Based Capital | 22.43% | 23.39% | 22.78% | 20.95% | 21.06% | 21.83% | 22.33% | 22.72% | +177 bps | |
| Equity / Assets | 13.17% | 12.36% | 12.28% | 12.77% | 13.71% | 13.73% | 13.04% | 13.50% | +73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.74% | 80.48% | 78.76% | 86.08% | 88.86% | 83.99% | 77.81% | 80.11% | -597 bps | |
| Liquid Assets / Assets | 2.74% | 9.52% | 9.50% | 5.59% | 0.54% | 4.79% | 12.51% | 10.05% | +446 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 212% | 201% | 188.99% | n/a | n/a | |
New Roads, LA · Cert 17767 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Great Guaranty Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Return on Assets
1.27%
Rank 261 of 746
Net Interest Margin
4.45%
Rank 106 of 746
Efficiency Ratio
63.98%
Rank 359 of 746
Equity / Assets
13.50%
Rank 163 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.27% | 0.72% | 1.06% | 1.45% | Beats 65% | 261 / 746 | ||
| Return on Equity | 9.38% | 6.74% | 10.51% | 13.63% | Beats 42% | 433 / 746 | ||
| Net Interest Margin | 4.45% | 3.17% | 3.68% | 4.16% | Beats 86% | 106 / 746 | ||
| Efficiency Ratio | 63.98% | 55.74% | 64.58% | 75.47% | Beats 52% | 359 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.99% | 0.09% | 0.42% | 1.07% | Beats 3% | 723 / 743 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 45% | 407 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 21.50% | 11.55% | 13.75% | 17.60% | Beats 86% | 106 / 746 | ||
| Total Risk-Based Capital Ratio | 22.72% | 11.71% | 14.33% | 18.43% | Beats 86% | 103 / 746 | ||
| Equity / Assets | 13.50% | 8.90% | 10.51% | 13.06% | Beats 78% | 163 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.11% | 61.31% | 78.27% | 90.78% | 54th pctl | 343 / 746 | ||
| Loans / Assets | 69.09% | 53.60% | 66.97% | 76.08% | 55th pctl | 333 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||