Raceland, LA · Cert 19143 · Community Bcorp of La Inc.
State charter, non-member · FDIC · 11 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
63
Asset Quality
26
Profitability
69
Liquidity
36
Efficiency
38
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.
Raceland, LA · Cert 19143 · Community Bcorp of La Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
Market Position · Houma-Bayou Cane-Thibodaux, LA · 2026 SOD (annual) · 6.0% share · #8 of 14 inst. · $0.3B 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 | 1.57% | 1.75% | 1.51% | 1.33% | 1.36% | 1.47% | 1.28% | 1.34% | +1 bps | |
| Return on Equity | 10.95% | 12.09% | 9.98% | 8.80% | 9.02% | 9.88% | 9.09% | 9.44% | +65 bps | |
| Net Interest Margin | 5.24% | 5.37% | 5.14% | 5.09% | 5.10% | 4.79% | 4.63% | 4.80% | -28 bps | |
| Efficiency Ratio | 64.37% | 63.03% | 65.12% | 68.97% | 68.87% | 66.60% | 69.51% | 69.67% | +71 bps | |
| Non-Interest Burden | 3.19% | 3.17% | 3.21% | 3.41% | 3.39% | 3.04% | 2.99% | 3.09% | -32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.77% | -6.24% | -1.70% | 4.93% | 7.25% | 9.60% | 7.67% | 2.54% | -239 bps | |
| Loan Growth (YoY) | 0.22% | 0.69% | 2.67% | 4.53% | 4.77% | 2.72% | -1.31% | 0.76% | -377 bps | |
| Deposit Growth (YoY) | -7.78% | -7.26% | -4.21% | 1.78% | 5.53% | 8.32% | 10.41% | 6.07% | +429 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.59% | 0.60% | 1.13% | 0.58% | 0.53% | 0.57% | 0.40% | 0.73% | +15 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.10% | 0.02% | 0.00% | 0.00% | 0.06% | 0.34% | 0.17% | +17 bps | |
| Allowance / Loans | 3.36% | 3.35% | 3.22% | 3.25% | 3.20% | 3.20% | 3.12% | 3.09% | -17 bps | |
| Allowance Coverage of NPLs | 5.7x | 5.6x | 2.8x | 5.6x | 6.0x | 5.6x | 7.9x | 4.2x | -1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.66% | 15.27% | 15.91% | 15.70% | 15.64% | 14.55% | 14.11% | 14.47% | -123 bps | |
| Total Risk-Based Capital | 15.66% | 15.27% | 15.91% | 15.70% | 15.64% | 14.55% | 14.11% | 14.47% | -123 bps | |
| Equity / Assets | 15.27% | 15.06% | 15.16% | 14.99% | 14.97% | 14.44% | 13.72% | 14.30% | -69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.40% | 96.28% | 98.82% | 97.08% | 95.70% | 91.29% | 88.33% | 92.22% | -486 bps | |
| Liquid Assets / Assets | 4.72% | 5.05% | 4.29% | 6.38% | 7.23% | 11.62% | 12.23% | 8.88% | +250 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 355% | 356% | 374% | n/a | n/a | |
Raceland, LA · Cert 19143 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Community Bcorp of La Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
Return on Assets
1.36%
Rank 229 of 746
Net Interest Margin
4.80%
Rank 45 of 746
Efficiency Ratio
69.67%
Rank 460 of 746
Equity / Assets
14.30%
Rank 124 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.36% | 0.72% | 1.06% | 1.45% | Beats 69% | 229 / 746 | ||
| Return on Equity | 9.49% | 6.74% | 10.51% | 13.63% | Beats 43% | 426 / 746 | ||
| Net Interest Margin | 4.80% | 3.17% | 3.68% | 4.16% | Beats 94% | 45 / 746 | ||
| Efficiency Ratio | 69.67% | 55.74% | 64.58% | 75.47% | Beats 38% | 460 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.73% | 0.09% | 0.42% | 1.07% | Beats 36% | 478 / 743 | ||
| Net Charge-Offs / Loans | 0.09% | 0.00% | 0.01% | 0.05% | Beats 16% | 626 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.47% | 11.55% | 13.75% | 17.60% | Beats 56% | 326 / 746 | ||
| Total Risk-Based Capital Ratio | 14.47% | 11.71% | 14.33% | 18.43% | Beats 50% | 370 / 746 | ||
| Equity / Assets | 14.30% | 8.90% | 10.51% | 13.06% | Beats 83% | 124 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 92.22% | 61.31% | 78.27% | 90.78% | 78th pctl | 164 / 746 | ||
| Loans / Assets | 77.59% | 53.60% | 66.97% | 76.08% | 79th pctl | 156 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||