Jonesville, LA · Cert 20698 · SHB Bcorp Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Alexandria, LA · 2026 SOD (annual) · 3.5% share · #8 of 15 inst. · $0.1B of $3.4B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.18% | 1.44% | 1.68% | 1.39% | 1.27% | +10 bps | |
| Return on Equity | 13.56% | 16.11% | 18.26% | 14.90% | 13.43% | -13 bps | |
| Net Interest Margin | 3.99% | 4.37% | 4.33% | 4.24% | 4.45% | +46 bps | |
| Efficiency Ratio | 63.99% | 60.72% | 58.80% | 62.71% | 67.92% | +394 bps | |
| Non-Interest Burden | 2.34% | 2.42% | 2.20% | 2.42% | 2.85% | +51 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.19% | 6.80% | 4.78% | 3.08% | 0.71% | -148 bps | |
| Loan Growth (YoY) | 5.71% | 0.45% | 1.37% | 1.74% | 2.75% | -296 bps | |
| Deposit Growth (YoY) | 4.23% | 8.17% | 5.07% | 3.46% | -0.48% | -472 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.13% | 0.87% | 0.92% | 0.85% | 0.72% | -41 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.90% | 0.10% | -0.01% | 0.59% | +62 bps | |
| Allowance / Loans | 0.75% | 1.03% | 1.00% | 1.02% | 0.85% | +10 bps | |
| Allowance Coverage of NPLs | 0.7x | 1.2x | 1.1x | 1.2x | 1.2x | +0.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.13% | 10.39% | 10.44% | 10.57% | 10.54% | +41 bps | |
| Total Risk-Based Capital | 10.13% | 10.39% | 10.44% | 10.57% | 10.54% | +41 bps | |
| Equity / Assets | 8.75% | 9.16% | 9.26% | 9.46% | 9.53% | +78 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.74% | 77.60% | 77.03% | 78.40% | 81.30% | +256 bps | |
| Liquid Assets / Assets | 2.28% | 2.27% | 1.75% | 0.65% | 0.61% | -167 bps | |
| CRE / Total Capital | n/a | 244% | 235% | 234% | n/a | n/a | |