Bossier City, LA · Cert 26381 · Bonvenu Bcorp Inc.
National charter · OCC · 14 branches
Q2 2026
Market Position · Shreveport-Bossier City, LA · 2026 SOD (annual) · 11.5% share · #3 of 23 inst. · $1.1B of $9.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 0.33% | 0.56% | 0.41% | 0.60% | 0.59% | 0.63% | 0.90% | +48 bps | |
| Return on Equity | 3.24% | 3.92% | 6.78% | 4.96% | 6.96% | 6.80% | 7.37% | 10.19% | +523 bps | |
| Net Interest Margin | 2.37% | 2.52% | 2.64% | 2.60% | 2.82% | 2.97% | 2.99% | 3.10% | +50 bps | |
| Efficiency Ratio | 88.24% | 88.01% | 78.36% | 80.19% | 78.52% | 79.91% | 76.24% | 72.06% | -813 bps | |
| Non-Interest Burden | 2.03% | 2.15% | 1.94% | 1.99% | 2.10% | 2.26% | 2.17% | 1.99% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.17% | -3.54% | -0.30% | 2.31% | -1.07% | 5.05% | 2.49% | -1.76% | -407 bps | |
| Loan Growth (YoY) | 7.01% | 4.58% | 3.99% | 0.39% | -3.24% | -4.92% | 1.73% | -1.80% | -219 bps | |
| Deposit Growth (YoY) | 1.40% | 4.45% | 1.24% | 6.04% | 0.94% | 5.15% | 4.96% | 0.06% | -598 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.10% | 0.08% | 0.09% | 0.08% | 0.04% | 0.10% | 0.13% | 0.13% | +5 bps | |
| Net Charge-Offs / Loans | -0.18% | 0.00% | 0.02% | 0.13% | 0.02% | -0.02% | 0.00% | 0.00% | -13 bps | |
| Allowance / Loans | 1.13% | 1.15% | 1.16% | 1.16% | 1.18% | 1.17% | 1.13% | 1.15% | -1 bps | |
| Allowance Coverage of NPLs | 11.5x | 14.1x | 13.1x | 15.0x | 26.8x | 12.2x | 8.9x | 9.0x | -6.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.05% | 10.08% | 9.91% | 9.84% | 9.92% | 10.19% | 9.66% | 10.04% | +20 bps | |
| Total Risk-Based Capital | 14.21% | 14.26% | 14.34% | 14.63% | 14.77% | 15.13% | 14.22% | 14.66% | +3 bps | |
| Equity / Assets | 8.67% | 8.11% | 8.30% | 8.37% | 8.84% | 8.57% | 8.63% | 8.97% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.86% | 79.61% | 79.66% | 76.63% | 78.47% | 71.99% | 77.21% | 75.22% | -142 bps | |
| Liquid Assets / Assets | 3.27% | 3.97% | 6.02% | 7.79% | 2.78% | 10.52% | 5.21% | 4.93% | -286 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 435% | 409% | 449% | n/a | n/a | |