Lafayette, LA · Cert 28094 · Home Bcorp Inc.
National charter · OCC · 43 branches
Q2 2026
Market Position · Lafayette, LA · 2026 SOD (annual) · 13.3% share · #3 of 41 inst. · $1.6B of $12.2B
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 | 1.19% | 1.21% | 1.35% | 1.39% | 1.51% | 1.40% | 1.38% | 1.39% | 0 bps | |
| Return on Equity | 9.52% | 9.55% | 10.63% | 10.81% | 11.47% | 10.37% | 10.12% | 10.19% | -62 bps | |
| Net Interest Margin | 3.77% | 3.88% | 3.89% | 4.05% | 4.11% | 4.07% | 4.08% | 4.19% | +14 bps | |
| Efficiency Ratio | 62.51% | 60.27% | 57.79% | 60.52% | 57.06% | 58.60% | 57.91% | 59.63% | -89 bps | |
| Non-Interest Burden | 2.17% | 2.15% | 2.03% | 2.26% | 2.14% | 2.17% | 2.16% | 2.29% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.72% | 3.70% | 3.78% | 2.33% | 1.48% | 1.38% | 1.94% | 3.49% | +116 bps | |
| Loan Growth (YoY) | 3.85% | 5.31% | 4.84% | 3.93% | 1.47% | 0.98% | -0.71% | 0.53% | -340 bps | |
| Deposit Growth (YoY) | 6.71% | 4.08% | 3.91% | 6.82% | 7.00% | 6.91% | 6.99% | 5.67% | -116 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.68% | 0.50% | 0.69% | 0.84% | 1.09% | 1.24% | 1.31% | 0.95% | +11 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.03% | 0.00% | 0.05% | 0.06% | 0.02% | 0.06% | 0.06% | +2 bps | |
| Allowance / Loans | 1.21% | 1.21% | 1.21% | 1.21% | 1.21% | 1.21% | 1.23% | 1.22% | +1 bps | |
| Allowance Coverage of NPLs | 1.8x | 2.4x | 1.7x | 1.4x | 1.1x | 1.0x | 0.9x | 1.3x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.32% | 11.38% | 11.48% | 11.47% | 11.80% | 11.84% | 12.11% | 12.11% | +64 bps | |
| Total Risk-Based Capital | 14.74% | 14.51% | 14.58% | 14.66% | 15.24% | 15.29% | 15.65% | 15.61% | +96 bps | |
| Equity / Assets | 12.71% | 12.69% | 12.79% | 12.92% | 13.37% | 13.57% | 13.67% | 13.56% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.81% | 97.53% | 96.98% | 94.92% | 90.86% | 92.11% | 90.00% | 90.31% | -461 bps | |
| Liquid Assets / Assets | 2.70% | 1.80% | 1.90% | 2.01% | 4.31% | 3.32% | 5.08% | 4.09% | +208 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 418% | 417% | 405% | n/a | n/a | |