New Orleans, LA · Cert 27697 · Fifth District Bcorp Inc.
State savings bank · OCC · 7 branches
Q2 2026
Market Position · New Orleans-Metairie, LA · 2026 SOD (annual) · 1.1% share · #13 of 32 inst. · $0.4B of $36.0B
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 | 2.35% | 0.31% | 0.45% | 0.32% | 0.34% | -200 bps | |
| Return on Equity | 11.74% | 1.51% | 2.19% | 1.55% | 1.66% | -1,008 bps | |
| Net Interest Margin | 2.31% | 2.44% | 2.50% | 2.63% | 2.74% | +43 bps | |
| Efficiency Ratio | 55.19% | 85.35% | 80.51% | 85.52% | 85.21% | +3,001 bps | |
| Non-Interest Burden | 0.06% | 2.06% | 1.98% | 2.22% | 2.31% | +225 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.59% | 3.04% | 1.36% | 0.85% | -1.40% | -598 bps | |
| Loan Growth (YoY) | 3.17% | 3.14% | 2.46% | 3.20% | 3.61% | +44 bps | |
| Deposit Growth (YoY) | -1.86% | 2.84% | -0.02% | -0.34% | -2.33% | -46 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.34% | 0.05% | 0.14% | 0.02% | 0.09% | -25 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.45% | 0.45% | 0.45% | 0.44% | 0.43% | -2 bps | |
| Allowance Coverage of NPLs | 1.3x | 8.5x | 3.1x | 27.0x | 5.0x | +3.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 21.00% | 20.94% | 21.07% | 21.41% | 21.41% | +41 bps | |
| Total Risk-Based Capital | 42.31% | 42.09% | 41.79% | 39.97% | 39.48% | -283 bps | |
| Equity / Assets | 20.19% | 20.36% | 20.70% | 20.71% | 20.91% | +72 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.78% | 89.95% | 90.34% | 93.07% | 95.23% | +545 bps | |
| Liquid Assets / Assets | 4.07% | 5.26% | 5.40% | 3.17% | 2.41% | -166 bps | |
| CRE / Total Capital | n/a | 14.77% | 20.07% | 27.20% | n/a | n/a | |