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 (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 | 1.08% | 0.91% | 1.40% | 1.26% | 1.28% | 0.77% | 1.42% | 1.48% | +22 bps | |
| Return on Equity | 11.82% | 10.04% | 15.69% | 13.43% | 12.95% | 7.83% | 14.52% | 14.78% | +135 bps | |
| Net Interest Margin | 3.67% | 3.79% | 3.92% | 4.03% | 4.06% | 4.07% | 4.14% | 4.24% | +21 bps | |
| Efficiency Ratio | 64.03% | 71.71% | 56.25% | 61.25% | 61.39% | 75.87% | 57.60% | 57.73% | -352 bps | |
| Non-Interest Burden | 2.20% | 2.47% | 2.05% | 2.32% | 2.35% | 3.00% | 2.24% | 2.28% | -3 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 | 0.35% | 0.17% | -0.01% | -0.08% | 0.00% | 0.01% | 0.02% | -0.01% | +7 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 | |