Opelousas, LA · Cert 17906 · American Bcorp Inc.
State charter, non-member · FDIC · 8 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
32
Asset Quality
52
Profitability
76
Liquidity
60
Efficiency
68
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.
Opelousas, LA · Cert 17906 · American Bcorp Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · Lafayette, LA · 2026 SOD (annual) · 0.2% share · #35 of 41 inst. · $0.0B 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 | 1.01% | 0.99% | 1.40% | 1.33% | 1.31% | 1.17% | 1.42% | 1.44% | +11 bps | |
| Return on Equity | 11.69% | 11.40% | 15.69% | 14.58% | 13.98% | 12.43% | 14.52% | 14.62% | +3 bps | |
| Net Interest Margin | 3.65% | 3.67% | 3.92% | 3.98% | 4.00% | 3.94% | 4.14% | 4.17% | +19 bps | |
| Efficiency Ratio | 63.35% | 65.67% | 56.25% | 58.79% | 59.67% | 63.84% | 57.60% | 57.67% | -112 bps | |
| Non-Interest Burden | 2.16% | 2.23% | 2.05% | 2.18% | 2.24% | 2.38% | 2.24% | 2.25% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.03% | -2.89% | 8.03% | 4.40% | 4.07% | 8.79% | 1.05% | 7.37% | +298 bps | |
| Loan Growth (YoY) | 8.32% | 5.56% | 7.25% | 7.57% | 6.83% | 11.31% | 10.36% | 8.22% | +65 bps | |
| Deposit Growth (YoY) | 3.91% | -4.66% | 2.51% | 2.32% | -1.12% | 2.91% | 3.55% | 6.55% | +422 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.00% | 0.06% | 0.01% | 0.07% | 0.26% | 0.23% | 0.47% | +46 bps | |
| Net Charge-Offs / Loans | 0.24% | 0.23% | -0.01% | -0.05% | -0.03% | -0.02% | 0.02% | 0.01% | +5 bps | |
| Allowance / Loans | 0.93% | 0.94% | 0.93% | 0.94% | 0.94% | 0.94% | 0.93% | 0.95% | 0 bps | |
| Allowance Coverage of NPLs | 16.9x | 392.3x | 14.9x | 153.2x | 13.3x | 3.7x | 4.0x | 2.0x | -151.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.36% | 11.22% | 11.67% | 11.77% | 12.03% | 11.60% | 11.66% | 11.71% | -6 bps | |
| Total Risk-Based Capital | 11.36% | 11.22% | 11.67% | 11.77% | 12.03% | 11.60% | 11.66% | 11.71% | -6 bps | |
| Equity / Assets | 9.51% | 8.64% | 9.15% | 9.64% | 10.10% | 9.47% | 10.06% | 10.02% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.97% | 75.75% | 80.49% | 85.73% | 88.56% | 81.93% | 85.79% | 87.08% | +135 bps | |
| Liquid Assets / Assets | 1.45% | 6.88% | 7.18% | 3.26% | 4.11% | 8.07% | 3.12% | 6.26% | +300 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 238% | 241% | 247% | n/a | n/a | |
Opelousas, LA · Cert 17906 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · American Bcorp Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Return on Assets
1.43%
Rank 198 of 746
Net Interest Margin
4.17%
Rank 186 of 746
Efficiency Ratio
57.67%
Rank 236 of 746
Equity / Assets
10.02%
Rank 426 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.43% | 0.72% | 1.06% | 1.45% | Beats 73% | 198 / 746 | ||
| Return on Equity | 14.28% | 6.74% | 10.51% | 13.63% | Beats 79% | 156 / 746 | ||
| Net Interest Margin | 4.17% | 3.17% | 3.68% | 4.16% | Beats 75% | 186 / 746 | ||
| Efficiency Ratio | 57.67% | 55.74% | 64.58% | 75.47% | Beats 68% | 236 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.47% | 0.09% | 0.42% | 1.07% | Beats 48% | 391 / 743 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 55% | 338 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.71% | 11.55% | 13.75% | 17.60% | Beats 27% | 546 / 746 | ||
| Total Risk-Based Capital Ratio | 11.71% | 11.71% | 14.33% | 18.43% | Beats 25% | 560 / 746 | ||
| Equity / Assets | 10.02% | 8.90% | 10.51% | 13.06% | Beats 43% | 426 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.08% | 61.31% | 78.27% | 90.78% | 68th pctl | 235 / 746 | ||
| Loans / Assets | 72.29% | 53.60% | 66.97% | 76.08% | 64th pctl | 271 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||