Hodge, LA · Cert 19354 · Hodge Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
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 | 1.72% | 1.13% | 2.14% | 1.88% | 2.11% | 1.23% | 1.75% | 2.26% | +37 bps | |
| Return on Equity | 10.41% | 6.76% | 12.94% | 11.32% | 12.78% | 7.83% | 11.62% | 15.27% | +395 bps | |
| Net Interest Margin | 4.34% | 4.45% | 4.47% | 4.65% | 5.18% | 4.77% | 4.84% | 4.67% | +3 bps | |
| Efficiency Ratio | 48.17% | 61.69% | 43.98% | 45.62% | 46.67% | 52.62% | 41.10% | 42.08% | -353 bps | |
| Non-Interest Burden | 1.93% | 2.61% | 1.77% | 1.94% | 2.23% | 2.36% | 1.79% | 1.82% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.98% | 1.20% | 1.79% | 4.17% | 10.51% | 18.29% | 18.28% | 24.24% | +2,006 bps | |
| Loan Growth (YoY) | 16.61% | 21.52% | 15.29% | 16.63% | 22.99% | 17.83% | 21.34% | 20.83% | +420 bps | |
| Deposit Growth (YoY) | 2.31% | 0.12% | 0.76% | 3.59% | 11.29% | 20.41% | 20.49% | 27.44% | +2,385 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.33% | 2.18% | 2.13% | 2.55% | 2.55% | 2.49% | 2.19% | 1.85% | -70 bps | |
| Net Charge-Offs / Loans | 0.14% | -0.05% | 1.09% | -0.16% | -0.03% | 0.82% | 0.21% | 1.64% | +181 bps | |
| Allowance / Loans | 2.00% | 2.01% | 1.74% | 1.84% | 1.76% | 1.80% | 2.00% | 1.52% | -32 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.9x | 0.8x | 0.7x | 0.7x | 0.7x | 0.9x | 0.8x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.26% | 17.08% | 17.15% | 16.99% | 17.29% | 15.66% | 15.37% | 15.16% | -183 bps | |
| Total Risk-Based Capital | 17.26% | 17.08% | 17.15% | 16.99% | 17.29% | 15.66% | 15.37% | 15.16% | -183 bps | |
| Equity / Assets | 16.89% | 16.51% | 16.55% | 16.73% | 16.36% | 15.10% | 14.98% | 14.57% | -216 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.73% | 84.71% | 82.46% | 84.56% | 88.11% | 82.89% | 83.04% | 80.18% | -438 bps | |
| Liquid Assets / Assets | 2.87% | 7.44% | 9.10% | 8.50% | 3.04% | 9.60% | 8.31% | 7.50% | -100 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 108.42% | 113.89% | 130.94% | n/a | n/a | |