Bank of St. Francisville
Saint Francisville, LA · Cert 22739 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Saint Francisville Bancshares
State charter, non-member · FDIC · 2 branches
Q2 2026
$398.7MAssets
$302.9MLoans
$346.0MDeposits
$38.6MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 77% of banks under $1B in assets operating in a single state (rank 174 of 746).
- Widest gap: total risk-based capital ratio trails 94% of banks under $1B in assets operating in a single state (rank 704 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.16%
Rank 319 of 746
Net Interest Margin
4.19%
Rank 174 of 746
Efficiency Ratio
62.90%
Rank 334 of 746
Equity / Assets
9.67%
Rank 469 of 746
Non-interest income vs. expense
Unfavorable gap of $10.2M · efficiency ratio beats 55% 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 | 1.16% | 0.72% | 1.06% | 1.45% | Beats 57% | 319 / 746 | | |
| Return on Equity | 11.97% | 6.74% | 10.51% | 13.63% | Beats 62% | 280 / 746 | | |
| Net Interest Margin | 4.19% | 3.17% | 3.68% | 4.16% | Beats 77% | 174 / 746 | | |
| Efficiency Ratio | 62.90% | 55.74% | 64.58% | 75.47% | Beats 55% | 334 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.81% | 0.09% | 0.42% | 1.07% | Beats 33% | 502 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 67% | 251 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 9.87% | 11.55% | 13.75% | 17.60% | Beats 6% | 702 / 746 | | |
| Total Risk-Based Capital Ratio | 9.87% | 11.71% | 14.33% | 18.43% | Beats 6% | 704 / 746 | | |
| Equity / Assets | 9.67% | 8.90% | 10.51% | 13.06% | Beats 37% | 469 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 87.54% | 61.31% | 78.27% | 90.78% | 69th pctl | 228 / 746 | | |
| Loans / Assets | 75.96% | 53.60% | 66.97% | 76.08% | 74th pctl | 191 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |