New Orleans, LA · Cert 27752
SL · FDIC · 5 branches
Q2 2026
Market Position · New Orleans-Metairie, LA · 2026 SOD (annual) · 0.6% share · #16 of 32 inst. · $0.2B of $36.0B
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 | -0.40% | -0.64% | -0.28% | -0.23% | -0.19% | -0.29% | -0.02% | 0.11% | +34 bps | |
| Return on Equity | -3.07% | -4.92% | -2.13% | -1.67% | -1.37% | -2.12% | -0.14% | 0.80% | +248 bps | |
| Net Interest Margin | 1.81% | 1.85% | 1.90% | 2.07% | 2.15% | 2.07% | 2.35% | 2.49% | +42 bps | |
| Efficiency Ratio | 112.70% | 117.17% | 114.31% | 112.01% | 109.84% | 113.85% | 100.98% | 94.13% | -1,788 bps | |
| Non-Interest Burden | 2.03% | 2.15% | 2.12% | 2.27% | 2.31% | 2.31% | 2.31% | 2.28% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.07% | -5.03% | -7.15% | -14.28% | -8.68% | -4.86% | -3.81% | 6.86% | +2,113 bps | |
| Loan Growth (YoY) | -8.91% | -12.06% | -11.78% | -8.20% | -5.71% | -4.07% | 1.93% | 11.19% | +1,939 bps | |
| Deposit Growth (YoY) | 2.22% | -2.99% | -5.62% | -14.09% | -9.22% | -5.10% | -3.97% | 2.57% | +1,666 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.65% | 2.86% | 2.69% | 3.09% | 2.43% | 1.64% | 1.51% | 1.37% | -171 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.14% | 0.00% | 0.00% | 1.05% | 0.96% | -0.01% | -0.01% | -1 bps | |
| Allowance / Loans | 1.01% | 1.30% | 1.35% | 1.36% | 0.58% | 0.48% | 0.46% | 0.43% | -93 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.5x | 0.5x | 0.4x | 0.2x | 0.3x | 0.3x | 0.3x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.94% | 11.04% | 11.22% | 11.72% | 11.88% | 11.57% | 11.64% | 11.54% | -18 bps | |
| Total Risk-Based Capital | 10.94% | 11.04% | 11.22% | 11.72% | 11.88% | 11.57% | 11.64% | 11.54% | -18 bps | |
| Equity / Assets | 13.25% | 13.24% | 13.39% | 14.14% | 13.99% | 13.63% | 13.70% | 13.12% | -102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.31% | 87.53% | 87.68% | 92.89% | 91.72% | 88.47% | 93.06% | 100.69% | +781 bps | |
| Liquid Assets / Assets | 15.64% | 16.54% | 16.89% | 12.50% | 12.91% | 15.42% | 11.59% | 9.52% | -298 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 281% | 284% | 291% | n/a | n/a | |