Saint Francisville, LA · Cert 22739 · Saint Francisville Bancshares
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Baton Rouge, LA · 2026 SOD (annual) · 1.3% share · #11 of 40 inst. · $0.3B of $26.7B
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 | 0.98% | 1.22% | 0.86% | 1.29% | 1.07% | +9 bps | |
| Return on Equity | 10.57% | 12.66% | 8.60% | 13.00% | 11.01% | +44 bps | |
| Net Interest Margin | 3.90% | 3.93% | 4.10% | 4.35% | 4.17% | +27 bps | |
| Efficiency Ratio | 67.40% | 62.28% | 70.91% | 62.04% | 63.77% | -363 bps | |
| Non-Interest Burden | 2.54% | 2.30% | 2.82% | 2.61% | 2.59% | +4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.08% | 4.66% | -2.86% | 3.76% | 4.51% | -657 bps | |
| Loan Growth (YoY) | 12.52% | 8.12% | 8.89% | 7.89% | 6.99% | -553 bps | |
| Deposit Growth (YoY) | 10.60% | 3.59% | -3.51% | 4.90% | 5.50% | -510 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.95% | 0.96% | 0.83% | 0.59% | 0.81% | -15 bps | |
| Net Charge-Offs / Loans | -0.03% | 0.05% | 0.19% | -0.05% | -0.01% | +2 bps | |
| Allowance / Loans | 1.24% | 1.27% | 1.24% | 1.27% | 1.32% | +8 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.3x | 1.5x | 2.2x | 1.6x | +0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.58% | 9.85% | 10.13% | 10.24% | 9.87% | +29 bps | |
| Total Risk-Based Capital | 9.58% | 9.85% | 10.13% | 10.24% | 9.87% | +29 bps | |
| Equity / Assets | 9.31% | 9.90% | 10.06% | 9.73% | 9.67% | +37 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.32% | 87.44% | 89.81% | 85.53% | 87.54% | +122 bps | |
| Liquid Assets / Assets | 12.90% | 9.98% | 6.15% | 9.42% | 8.44% | -446 bps | |
| CRE / Total Capital | n/a | 356% | 387% | 357% | n/a | n/a | |