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 (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 | 0.95% | 1.00% | 0.96% | 1.07% | 1.20% | 1.32% | 1.39% | 1.34% | +26 bps | |
| Return on Equity | 11.32% | 11.98% | 11.32% | 12.48% | 13.70% | 14.98% | 14.90% | 14.18% | +170 bps | |
| Net Interest Margin | 3.72% | 3.75% | 3.83% | 3.87% | 4.03% | 4.09% | 4.24% | 4.35% | +48 bps | |
| Efficiency Ratio | 70.76% | 70.35% | 71.52% | 67.65% | 65.17% | 63.44% | 62.71% | 65.34% | -231 bps | |
| Non-Interest Burden | 2.43% | 2.42% | 2.56% | 2.42% | 2.42% | 2.36% | 2.42% | 2.64% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.19% | 4.67% | 2.41% | 2.19% | 6.80% | 4.78% | 3.08% | 0.71% | -148 bps | |
| Loan Growth (YoY) | 9.47% | 8.68% | 7.99% | 5.71% | 0.45% | 1.37% | 1.74% | 2.75% | -296 bps | |
| Deposit Growth (YoY) | 1.25% | 2.95% | 3.07% | 4.23% | 8.17% | 5.07% | 3.46% | -0.48% | -472 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.63% | 0.94% | 0.89% | 1.13% | 0.87% | 0.92% | 0.85% | 0.72% | -41 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.03% | 0.26% | 0.12% | -0.22% | -0.14% | -0.01% | 0.29% | +17 bps | |
| Allowance / Loans | 0.76% | 0.74% | 0.69% | 0.75% | 1.03% | 1.00% | 1.02% | 0.85% | +10 bps | |
| Allowance Coverage of NPLs | 1.2x | 0.8x | 0.8x | 0.7x | 1.2x | 1.1x | 1.2x | 1.2x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.36% | 10.39% | 10.26% | 10.13% | 10.39% | 10.44% | 10.57% | 10.54% | +41 bps | |
| Total Risk-Based Capital | 10.36% | 10.39% | 10.26% | 10.13% | 10.39% | 10.44% | 10.57% | 10.54% | +41 bps | |
| Equity / Assets | 9.00% | 8.35% | 8.65% | 8.75% | 9.16% | 9.26% | 9.46% | 9.53% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.57% | 79.84% | 79.72% | 78.74% | 77.60% | 77.03% | 78.40% | 81.30% | +256 bps | |
| Liquid Assets / Assets | 1.59% | 4.49% | 1.52% | 2.28% | 2.27% | 1.75% | 0.65% | 0.61% | -167 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 244% | 235% | 234% | n/a | n/a | |