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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.09% | -0.16% | 0.33% | 0.63% | 0.44% | -0.17% | 0.51% | -6.91% | -754 bps | |
| Return on Equity | -0.79% | -1.45% | 3.10% | 6.09% | 4.24% | -1.62% | 4.74% | -66.07% | -7,216 bps | |
| Net Interest Margin | 2.09% | 2.19% | 2.31% | 2.44% | 2.79% | 2.76% | 3.00% | 2.92% | +48 bps | |
| Efficiency Ratio | 103.73% | 105.86% | 87.82% | 78.05% | 80.20% | 106.41% | 79.99% | 305% | +22,674 bps | |
| Non-Interest Burden | 2.18% | 2.34% | 1.98% | 1.78% | 2.15% | 2.97% | 2.29% | 9.62% | +784 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.95% | -5.03% | 3.97% | 7.28% | 9.55% | 7.38% | -1.17% | -8.47% | -1,575 bps | |
| Loan Growth (YoY) | -1.74% | -1.31% | 5.67% | 6.09% | 10.85% | 4.28% | -1.02% | -3.00% | -908 bps | |
| Deposit Growth (YoY) | 1.59% | 1.79% | 10.05% | 12.00% | 16.16% | 15.75% | 2.71% | -2.41% | -1,441 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.47% | 0.54% | 0.53% | 0.47% | 0.33% | 0.46% | 0.65% | 1.01% | +54 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.01% | 0.01% | 0.01% | 0.00% | 0.02% | +1 bps | |
| Allowance / Loans | 0.94% | 0.93% | 0.89% | 0.89% | 0.84% | 0.89% | 0.89% | 0.91% | +2 bps | |
| Allowance Coverage of NPLs | 2.0x | 1.7x | 1.7x | 1.9x | 2.6x | 1.9x | 1.4x | 0.9x | -1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.84% | 11.03% | 10.78% | 10.60% | 10.65% | 10.71% | 11.03% | 9.65% | -95 bps | |
| Total Risk-Based Capital | 11.84% | 11.03% | 10.78% | 10.60% | 10.65% | 10.71% | 11.03% | 9.65% | -95 bps | |
| Equity / Assets | 11.62% | 10.84% | 10.30% | 10.39% | 10.29% | 10.43% | 10.95% | 9.92% | -47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.97% | 102.22% | 101.64% | 95.43% | 98.25% | 92.09% | 97.96% | 94.85% | -57 bps | |
| Liquid Assets / Assets | 6.74% | 7.29% | 7.55% | 9.19% | 7.59% | 11.29% | 8.92% | 4.93% | -425 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | 293% | 274% | 301% | n/a | |