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 (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 | 1.10% | 1.49% | 1.19% | 1.21% | 1.08% | 1.10% | 1.30% | 1.24% | +3 bps | |
| Return on Equity | 8.62% | 11.70% | 9.64% | 9.68% | 8.17% | 8.01% | 9.72% | 9.33% | -35 bps | |
| Net Interest Margin | 4.34% | 4.38% | 4.39% | 4.64% | 4.59% | 4.64% | 4.44% | 4.52% | -12 bps | |
| Efficiency Ratio | 68.13% | 63.86% | 66.01% | 62.69% | 67.12% | 71.38% | 64.05% | 63.91% | +122 bps | |
| Non-Interest Burden | 2.85% | 2.58% | 2.82% | 2.83% | 3.00% | 3.36% | 2.79% | 2.82% | -1 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 | 0.00% | 0.00% | 0.21% | 0.02% | 0.16% | 0.00% | 0.01% | 0.02% | 0 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 | |