Hibernia Bank

New Orleans, LA · Cert 27752 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

SL · FDIC · 5 branches

Q2 2026

$256.6MAssets

$211.5MLoans

$210.0MDeposits

$33.7MEquity

Executive Summary

Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
Widest gap: efficiency ratio trails 95% of banks under $1B in assets operating in a single state (rank 710 of 746).
Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.11%

Rank 707 of 746

Net Interest Margin

2.49%

Rank 697 of 746

Efficiency Ratio

94.13%

Rank 710 of 746

Equity / Assets

13.12%

Rank 182 of 746

Unfavorable gap of $5.6M · efficiency ratio beats 5% of banks under $1B in assets operating in a single state

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	0.11%	0.72%	1.06%	1.45%	Beats 5%	707 / 746
Return on Equity	0.80%	6.74%	10.51%	13.63%	Beats 5%	709 / 746
Net Interest Margin	2.49%	3.17%	3.68%	4.16%	Beats 7%	697 / 746
Efficiency Ratio	94.13%	55.74%	64.58%	75.47%	Beats 5%	710 / 746
Asset Quality
Nonperforming Loans / Loans	1.37%	0.09%	0.42%	1.07%	Beats 18%	607 / 743
Net Charge-Offs / Loans	0.00%	0.00%	0.01%	0.05%	Beats 100%	185 / 743
Capital
Tier 1 Capital Ratio	11.54%	11.55%	13.75%	17.60%	Beats 25%	562 / 746
Total Risk-Based Capital Ratio	11.54%	11.71%	14.33%	18.43%	Beats 23%	576 / 746
Equity / Assets	13.12%	8.90%	10.51%	13.06%	Beats 76%	182 / 746
Liquidity & Funding
Loans / Deposits	100.69%	61.31%	78.27%	90.78%	90th pctl	73 / 746
Loans / Assets	82.39%	53.60%	66.97%	76.08%	90th pctl	71 / 746
Brokered Deposits / Deposits	n/a	Not reported for this institution