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 | |