Covington, LA · Cert 29577 · Heritage Nola Bcorp Inc.
SL · OCC · 4 branches
Q1 2026
Market Position · Slidell-Mandeville-Covington, LA · 2025 SOD (annual) · 2.0% share · #12 of 27 inst. · $0.2B of $7.7B
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 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.63% | 0.53% | 0.30% | 0.35% | -6.91% | -754 bps | |
| Return on Equity | 6.09% | 5.16% | 2.88% | 3.35% | -66.07% | -7,216 bps | |
| Net Interest Margin | 2.44% | 2.60% | 2.66% | 2.78% | 2.92% | +48 bps | |
| Efficiency Ratio | 78.05% | 79.17% | 88.82% | 86.47% | 305% | +22,674 bps | |
| Non-Interest Burden | 1.78% | 1.96% | 2.30% | 2.33% | 9.62% | +784 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.28% | 9.55% | 7.38% | -1.17% | -8.47% | -1,575 bps | |
| Loan Growth (YoY) | 6.09% | 10.85% | 4.28% | -1.02% | -3.00% | -908 bps | |
| Deposit Growth (YoY) | 12.00% | 16.16% | 15.75% | 2.71% | -2.41% | -1,441 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.47% | 0.33% | 0.46% | 0.65% | 1.01% | +54 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.01% | 0.01% | 0.02% | +1 bps | |
| Allowance / Loans | 0.89% | 0.84% | 0.89% | 0.89% | 0.91% | +2 bps | |
| Allowance Coverage of NPLs | 1.9x | 2.6x | 1.9x | 1.4x | 0.9x | -1.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.60% | 10.65% | 10.71% | 11.03% | 9.65% | -95 bps | |
| Total Risk-Based Capital | 10.60% | 10.65% | 10.71% | 11.03% | 9.65% | -95 bps | |
| Equity / Assets | 10.39% | 10.29% | 10.43% | 10.95% | 9.92% | -47 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.43% | 98.25% | 92.09% | 97.96% | 94.85% | -57 bps | |
| Liquid Assets / Assets | 9.19% | 7.59% | 11.29% | 8.92% | 4.93% | -425 bps | |
| CRE / Total Capital | n/a | n/a | 293% | 274% | 301% | n/a | |