Vidalia, LA · Cert 26564 · Central Louisiana Capital Corp.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Monroe, LA · 2026 SOD (annual) · 0.1% share · #19 of 20 inst. · $0.0B of $6.2B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.54% | 1.49% | 1.47% | 1.48% | 1.51% | -3 bps | |
| Return on Equity | 15.93% | 15.29% | 15.02% | 14.90% | 15.34% | -59 bps | |
| Net Interest Margin | 3.79% | 3.72% | 3.91% | 4.11% | 4.12% | +33 bps | |
| Efficiency Ratio | 55.19% | 54.92% | 54.87% | 55.97% | 55.28% | +8 bps | |
| Non-Interest Burden | 1.71% | 1.71% | 1.81% | 2.04% | 2.01% | +30 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.92% | -1.25% | 7.05% | 2.85% | 2.06% | -87 bps | |
| Loan Growth (YoY) | 7.65% | 0.34% | 6.64% | 4.39% | 1.59% | -606 bps | |
| Deposit Growth (YoY) | 6.67% | 7.75% | 10.53% | 5.45% | 5.99% | -68 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.74% | 1.99% | 2.33% | 1.00% | 1.04% | -71 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.07% | 0.19% | -0.01% | 0.02% | -3 bps | |
| Allowance / Loans | 0.66% | 0.78% | 0.77% | 0.76% | 0.77% | +11 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.3x | 0.8x | 0.7x | +0.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.70% | 9.54% | 10.09% | 9.92% | 10.04% | +34 bps | |
| Total Risk-Based Capital | 9.70% | 9.54% | 10.09% | 9.92% | 10.04% | +34 bps | |
| Equity / Assets | 9.46% | 9.91% | 10.05% | 9.78% | 9.77% | +31 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.67% | 83.78% | 80.40% | 79.91% | 84.99% | -368 bps | |
| Liquid Assets / Assets | 17.30% | 17.87% | 20.14% | 20.41% | 17.49% | +20 bps | |
| CRE / Total Capital | n/a | 185.41% | 183.83% | 175.27% | n/a | n/a | |