Baton Rouge, LA · Cert 25247 · First Natl Bankers Bankshares
National charter · OCC · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
70
Asset Quality
68
Profitability
30
Liquidity
0
Efficiency
22
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Baton Rouge, LA · Cert 25247 · First Natl Bankers Bankshares
National charter · OCC · 5 branches
Q2 2026
Market Position · Baton Rouge, LA · 2026 SOD (annual) · 0.4% share · #25 of 40 inst. · $0.1B of $26.7B
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 | 0.87% | 0.88% | 0.98% | 0.92% | 0.88% | 0.89% | 0.77% | 0.82% | -10 bps | |
| Return on Equity | 5.40% | 5.41% | 6.02% | 5.36% | 5.17% | 5.38% | 5.19% | 5.29% | -6 bps | |
| Net Interest Margin | 3.28% | 3.18% | 3.17% | 3.34% | 3.42% | 2.94% | 2.92% | 3.03% | -31 bps | |
| Efficiency Ratio | 80.97% | 83.03% | 78.84% | 79.83% | 80.73% | 81.74% | 81.79% | 81.23% | +140 bps | |
| Non-Interest Burden | 2.24% | 2.27% | 1.91% | 2.09% | 2.18% | 1.93% | 1.85% | 1.92% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.68% | -8.80% | 12.84% | -12.12% | 7.27% | 12.13% | 15.90% | 15.42% | +2,754 bps | |
| Loan Growth (YoY) | -5.92% | -6.41% | -3.38% | -15.77% | -14.91% | -19.14% | -7.66% | -3.12% | +1,265 bps | |
| Deposit Growth (YoY) | -2.94% | 1.66% | 7.05% | 1.89% | 13.82% | 33.90% | 5.15% | 11.33% | +944 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.25% | 0.59% | 1.42% | 0.89% | 0.88% | 0.85% | 0.83% | 0.78% | -11 bps | |
| Net Charge-Offs / Loans | -0.08% | -0.15% | -0.53% | -0.28% | -0.19% | -0.22% | 0.00% | 0.00% | +28 bps | |
| Allowance / Loans | 2.53% | 2.43% | 2.91% | 3.06% | 3.13% | 3.15% | 3.15% | 3.17% | +10 bps | |
| Allowance Coverage of NPLs | 10.0x | 4.1x | 2.0x | 3.4x | 3.6x | 3.7x | 3.8x | 4.0x | +0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.39% | 16.84% | 16.79% | 17.89% | 18.27% | 15.82% | 15.96% | 16.14% | -175 bps | |
| Total Risk-Based Capital | 17.39% | 16.84% | 16.79% | 17.89% | 18.27% | 15.82% | 15.96% | 16.14% | -175 bps | |
| Equity / Assets | 17.21% | 16.44% | 16.06% | 19.12% | 16.44% | 15.43% | 14.39% | 16.83% | -229 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 178.98% | 201% | 159.53% | 162.99% | 133.80% | 121.36% | 140.10% | 141.83% | -2,116 bps | |
| Liquid Assets / Assets | 5.59% | 6.04% | 19.88% | 10.97% | 18.72% | 27.75% | 31.52% | 22.51% | +1,154 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 246% | 239% | 234% | n/a | n/a | |
Baton Rouge, LA · Cert 25247 · Peer group: banks under $1B in assets (n=581-629) · First Natl Bankers Bankshares
National charter · OCC · 5 branches
Q2 2026
Return on Assets
0.89%
Rank 372 of 629
Net Interest Margin
3.03%
Rank 470 of 629
Efficiency Ratio
81.23%
Rank 491 of 629
Equity / Assets
16.83%
Rank 111 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.89% | 0.60% | 1.01% | 1.45% | Beats 41% | 372 / 629 | ||
| Return on Equity | 5.30% | 5.38% | 9.30% | 13.28% | Beats 25% | 473 / 629 | ||
| Net Interest Margin | 3.03% | 3.03% | 3.54% | 4.05% | Beats 25% | 470 / 629 | ||
| Efficiency Ratio | 81.23% | 58.35% | 67.79% | 79.08% | Beats 22% | 491 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.78% | 0.09% | 0.46% | 1.20% | Beats 36% | 372 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.14% | 11.24% | 13.84% | 18.77% | Beats 65% | 219 / 629 | ||
| Total Risk-Based Capital Ratio | 16.14% | 11.58% | 14.43% | 19.66% | Beats 62% | 238 / 629 | ||
| Equity / Assets | 16.83% | 9.09% | 10.65% | 13.80% | Beats 82% | 111 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 141.83% | 67.24% | 80.90% | 93.48% | 99th pctl | 3 / 594 | ||
| Loans / Assets | 55.39% | 53.31% | 67.71% | 78.15% | 28th pctl | 456 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||