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 | |