Boutte, LA · Cert 22046 · First St Charles Bancshares
National charter · OCC · 2 branches
Q2 2026
Market Position · New Orleans-Metairie, LA · 2026 SOD (annual) · 0.6% share · #15 of 32 inst. · $0.2B of $36.0B
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 | 1.89% | 1.96% | 1.94% | 1.77% | 1.54% | -35 bps | |
| Return on Equity | 13.94% | 13.96% | 13.34% | 12.46% | 11.09% | -286 bps | |
| Net Interest Margin | 4.66% | 4.69% | 4.58% | 4.47% | 4.44% | -22 bps | |
| Efficiency Ratio | 51.53% | 52.10% | 52.82% | 53.79% | 54.85% | +332 bps | |
| Non-Interest Burden | 2.30% | 2.31% | 2.31% | 2.29% | 2.33% | +4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.52% | 6.33% | 8.59% | 9.21% | 10.82% | +30 bps | |
| Loan Growth (YoY) | 14.87% | 13.83% | 6.47% | 7.75% | 4.88% | -999 bps | |
| Deposit Growth (YoY) | 10.81% | 6.07% | 7.84% | 8.98% | 10.74% | -7 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | 0.01% | 0.04% | 0.00% | 0 bps | |
| Allowance / Loans | 1.30% | 1.30% | 1.27% | 1.22% | 1.28% | -2 bps | |
| Allowance Coverage of NPLs | 40.3x | 40.4x | 40.3x | 41.1x | 42.9x | +2.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.66% | 13.64% | 14.67% | 13.92% | 14.06% | +40 bps | |
| Total Risk-Based Capital | 13.66% | 13.64% | 14.67% | 13.92% | 14.06% | +40 bps | |
| Equity / Assets | 13.58% | 14.52% | 14.51% | 13.94% | 13.80% | +22 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 56.26% | 59.07% | 57.90% | 55.82% | 53.28% | -298 bps | |
| Liquid Assets / Assets | 30.08% | 26.01% | 28.15% | 31.53% | 33.56% | +348 bps | |
| CRE / Total Capital | n/a | 189.24% | 185.04% | 189.98% | n/a | n/a | |