Hodge Bank & Trust Company
Hodge, LA · Cert 19354 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · Hodge Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$127.6MAssets
$86.8MLoans
$108.3MDeposits
$18.6MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 95% of banks under $1B in assets operating in a single state (rank 37 of 752).
- Widest gap: net charge-offs / loans trails 98% of banks under $1B in assets operating in a single state (rank 732 of 748).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.90%
Rank 61 of 752
Net Interest Margin
4.65%
Rank 74 of 752
Efficiency Ratio
41.59%
Rank 37 of 752
Equity / Assets
14.57%
Rank 120 of 752
Non-interest income vs. expense
Unfavorable gap of $2.2M · efficiency ratio beats 95% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.90% | 0.72% | 1.07% | 1.45% | Beats 92% | 61 / 752 | | |
| Return on Equity | 13.05% | 6.78% | 10.58% | 13.65% | Beats 70% | 223 / 752 | | |
| Net Interest Margin | 4.65% | 3.18% | 3.69% | 4.17% | Beats 90% | 74 / 752 | | |
| Efficiency Ratio | 41.59% | 55.75% | 64.49% | 75.47% | Beats 95% | 37 / 752 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.85% | 0.09% | 0.42% | 1.03% | Beats 13% | 655 / 748 | | |
| Net Charge-Offs / Loans | 0.59% | 0.00% | 0.01% | 0.05% | Beats 2% | 732 / 748 | | |
| Capital |
| Tier 1 Capital Ratio | 15.16% | 11.55% | 13.75% | 17.60% | Beats 63% | 280 / 752 | | |
| Total Risk-Based Capital Ratio | 15.16% | 11.70% | 14.33% | 18.47% | Beats 57% | 327 / 752 | | |
| Equity / Assets | 14.57% | 8.93% | 10.56% | 13.13% | Beats 84% | 120 / 752 | | |
| Liquidity & Funding |
| Loans / Deposits | 80.18% | 62.23% | 78.64% | 91.26% | 53rd pctl | 353 / 752 | | |
| Loans / Assets | 68.03% | 54.61% | 67.41% | 76.47% | 51st pctl | 365 / 752 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |