Heritage Bank of Saint Tammany
Covington, LA · Cert 29577 · Peer group: banks under $1B in assets (n=557-606) · Heritage Nola Bcorp Inc.
SL · OCC · 4 branches
Q1 2026
$167.9MAssets
$142.1MLoans
$149.8MDeposits
$16.7MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 43% of banks under $1B in assets (rank 344 of 604).
- Widest gap: return on equity trails 100% of banks under $1B in assets (rank 601 of 604).
- Overall: at or above the peer median on 0 of 10 directional measures.
Return on Assets
-7.14%
Rank 597 of 604
Net Interest Margin
2.92%
Rank 480 of 604
Efficiency Ratio
305%
Rank 600 of 603
Equity / Assets
9.92%
Rank 344 of 604
Non-interest income vs. expense
Unfavorable gap of $17.2M · efficiency ratio beats 1% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -7.14% | 0.58% | 1.00% | 1.47% | Beats 1% | 597 / 604 | n/a | |
| Return on Equity | -71.93% | 5.38% | 9.60% | 13.62% | Beats 0% | 601 / 604 | n/a | |
| Net Interest Margin | 2.92% | 3.01% | 3.52% | 4.07% | Beats 21% | 480 / 604 | n/a | |
| Efficiency Ratio | 305% | 58.15% | 68.01% | 80.27% | Beats 1% | 600 / 603 | n/a | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.01% | 0.08% | 0.39% | 1.12% | Beats 28% | 400 / 558 | n/a | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.02% | Beats 35% | 364 / 557 | n/a | |
| Capital |
| Tier 1 Capital Ratio | 9.65% | 11.15% | 13.69% | 18.60% | Beats 6% | 568 / 604 | n/a | |
| Total Risk-Based Capital Ratio | 9.65% | 11.56% | 14.21% | 19.70% | Beats 5% | 571 / 604 | n/a | |
| Equity / Assets | 9.92% | 8.81% | 10.34% | 13.22% | Beats 43% | 344 / 604 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 94.85% | 63.31% | 78.59% | 92.04% | 80th pctl | 112 / 570 | n/a | |
| Loans / Assets | 84.59% | 50.80% | 66.73% | 77.27% | 93rd pctl | 44 / 606 | n/a | |
| Brokered Deposits / Deposits | 0.67% | n/a | n/a | 3.83% | Beats 37% | 357 / 568 | n/a | |