Metairie, LA · Cert 29268 · Eureka Homestead Bcorp Inc.
State savings bank · OCC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
89
Asset Quality
75
Profitability
5
Liquidity
0
Efficiency
3
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Metairie, LA · Cert 29268 · Eureka Homestead Bcorp Inc.
State savings bank · OCC · 1 branch
Q2 2026
Market Position · New Orleans-Metairie, LA · 2026 SOD (annual) · 0.2% share · #26 of 32 inst. · $0.1B 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 | 0.15% | 0.06% | -0.58% | -0.59% | -0.59% | -0.54% | -0.34% | -0.53% | +7 bps | |
| Return on Equity | 0.82% | 0.33% | -2.97% | -3.04% | -2.99% | -2.72% | -1.68% | -2.58% | +46 bps | |
| Net Interest Margin | 2.03% | 1.92% | 1.65% | 1.68% | 1.66% | 1.63% | 1.48% | 1.34% | -35 bps | |
| Efficiency Ratio | 93.27% | 97.18% | 126.58% | 129.91% | 130.21% | 129.45% | 123.70% | 141.28% | +1,137 bps | |
| Non-Interest Burden | 1.87% | 1.85% | 2.17% | 2.29% | 2.28% | 2.21% | 1.92% | 2.03% | -26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.43% | -6.11% | -7.91% | -7.55% | -8.56% | -7.38% | -4.79% | -6.36% | +119 bps | |
| Loan Growth (YoY) | -0.51% | -4.67% | -6.89% | -7.09% | -7.30% | -5.82% | -3.81% | -6.28% | +81 bps | |
| Deposit Growth (YoY) | 10.15% | 6.37% | 2.31% | 1.22% | -5.47% | -8.18% | -6.06% | -13.98% | -1,520 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.78% | 0.80% | 0.47% | 0.72% | 0.48% | 0.75% | 0.46% | 0.48% | -24 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.03% | 0.00% | 0.00% | 0.00% | 0.03% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.99% | 1.00% | 1.02% | 1.03% | 1.04% | 1.03% | 1.03% | 1.06% | +4 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.2x | 2.1x | 1.4x | 2.1x | 1.4x | 2.2x | 2.2x | +0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 19.11% | 19.14% | 19.66% | 20.47% | 20.63% | 20.69% | 20.69% | 21.12% | +65 bps | |
| Total Risk-Based Capital | 38.91% | 39.76% | 40.28% | 40.14% | 40.63% | 41.23% | 41.36% | 42.17% | +203 bps | |
| Equity / Assets | 18.71% | 19.29% | 19.59% | 19.72% | 19.98% | 20.33% | 20.12% | 20.57% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 120.96% | 116.94% | 119.76% | 119.52% | 118.62% | 119.95% | 122.64% | 130.22% | +1,070 bps | |
| Liquid Assets / Assets | 6.05% | 5.94% | 6.84% | 6.51% | 6.42% | 5.97% | 6.62% | 7.16% | +65 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 19.14% | 19.61% | 13.06% | n/a | n/a | |
Metairie, LA · Cert 29268 · Peer group: banks under $1B in assets (n=581-629) · Eureka Homestead Bcorp Inc.
State savings bank · OCC · 1 branch
Q2 2026
Return on Assets
-0.53%
Rank 592 of 629
Net Interest Margin
1.34%
Rank 618 of 629
Efficiency Ratio
141.28%
Rank 610 of 629
Equity / Assets
20.57%
Rank 77 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.53% | 0.60% | 1.01% | 1.45% | Beats 6% | 592 / 629 | ||
| Return on Equity | -2.60% | 5.38% | 9.30% | 13.28% | Beats 7% | 587 / 629 | ||
| Net Interest Margin | 1.34% | 3.03% | 3.54% | 4.05% | Beats 2% | 618 / 629 | ||
| Efficiency Ratio | 141.28% | 58.35% | 67.79% | 79.08% | Beats 3% | 610 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.48% | 0.09% | 0.46% | 1.20% | Beats 49% | 298 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 40.92% | 11.24% | 13.84% | 18.77% | Beats 90% | 66 / 629 | ||
| Total Risk-Based Capital Ratio | 42.17% | 11.58% | 14.43% | 19.66% | Beats 90% | 66 / 629 | ||
| Equity / Assets | 20.57% | 9.09% | 10.65% | 13.80% | Beats 88% | 77 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 130.22% | 67.24% | 80.90% | 93.48% | 99th pctl | 5 / 594 | ||
| Loans / Assets | 84.17% | 53.31% | 67.71% | 78.15% | 90th pctl | 62 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||