Plaquemine, LA · Cert 29679
State savings bank · OCC · 4 branches
Q2 2026
Market Position · Baton Rouge, LA · 2026 SOD (annual) · 0.4% share · #26 of 40 inst. · $0.1B of $26.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.94% | 1.23% | 0.64% | 0.53% | 0.27% | -67 bps | |
| Return on Equity | 8.85% | 10.99% | 5.88% | 4.96% | 1.35% | -750 bps | |
| Net Interest Margin | 4.01% | 4.21% | 3.80% | 4.01% | 4.09% | +9 bps | |
| Efficiency Ratio | 74.95% | 69.98% | 81.77% | 85.00% | 90.41% | +1,546 bps | |
| Non-Interest Burden | 2.77% | 2.65% | 2.97% | 3.32% | 3.65% | +88 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -13.36% | -8.47% | -5.21% | -1.18% | 34.02% | +4,739 bps | |
| Loan Growth (YoY) | -11.63% | -5.67% | -8.64% | 1.06% | 17.99% | +2,962 bps | |
| Deposit Growth (YoY) | -14.70% | -12.86% | -5.81% | -5.80% | 7.47% | +2,217 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.28% | 1.79% | 1.39% | 1.16% | +116 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.45% | 1.39% | 1.42% | 1.47% | 1.28% | -18 bps | |
| Allowance Coverage of NPLs | n/a | 5.0x | 0.8x | 1.1x | 1.1x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.14% | 11.32% | 11.13% | 11.09% | 29.90% | +1,877 bps | |
| Total Risk-Based Capital | 18.64% | 18.21% | 18.15% | 18.65% | 48.42% | +2,978 bps | |
| Equity / Assets | 11.19% | 11.12% | 10.62% | 10.76% | 27.64% | +1,646 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.45% | 80.74% | 73.19% | 73.83% | 88.32% | +787 bps | |
| Liquid Assets / Assets | 5.06% | 1.70% | 2.06% | 2.16% | 2.49% | -257 bps | |
| CRE / Total Capital | n/a | 171.01% | 175.21% | 177.33% | n/a | n/a | |