Opelousas, LA · Cert 29804 · Catalyst Bcorp Inc.
State savings bank · OCC · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
90
Asset Quality
26
Profitability
36
Liquidity
99
Efficiency
33
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Opelousas, LA · Cert 29804 · Catalyst Bcorp Inc.
State savings bank · OCC · 6 branches
Q2 2026
Market Position · Lafayette, LA · 2026 SOD (annual) · 0.3% share · #28 of 41 inst. · $0.0B of $12.2B
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 | -1.60% | -0.97% | 0.91% | 0.88% | 0.83% | 0.80% | 0.94% | 0.93% | +4 bps | |
| Return on Equity | -6.08% | -3.65% | 3.28% | 3.24% | 3.11% | 3.01% | 3.60% | 3.56% | +32 bps | |
| Net Interest Margin | 3.35% | 3.52% | 3.54% | 3.59% | 3.57% | 3.54% | 3.50% | 3.53% | -6 bps | |
| Efficiency Ratio | 82.70% | 79.77% | 73.96% | 74.29% | 75.27% | 75.35% | 74.14% | 75.22% | +94 bps | |
| Non-Interest Burden | 2.66% | 2.68% | 2.40% | 2.49% | 2.56% | 2.54% | 2.47% | 2.54% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.07% | 4.37% | -3.65% | -7.23% | 1.31% | 2.33% | 6.34% | 6.04% | +1,327 bps | |
| Loan Growth (YoY) | 22.27% | 15.29% | 15.74% | 9.33% | -0.67% | 1.88% | -1.45% | -2.85% | -1,219 bps | |
| Deposit Growth (YoY) | 2.83% | 12.03% | 4.16% | 2.09% | 12.37% | 1.24% | 9.96% | 6.73% | +464 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.87% | 0.98% | 0.99% | 1.00% | 1.11% | 1.55% | 1.64% | 1.43% | +43 bps | |
| Net Charge-Offs / Loans | 0.21% | 0.16% | 0.09% | 0.10% | 0.07% | 0.07% | 0.09% | 0.05% | -5 bps | |
| Allowance / Loans | 1.46% | 1.51% | 1.51% | 1.45% | 1.45% | 1.39% | 1.40% | 1.34% | -11 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.5x | 1.5x | 1.5x | 1.3x | 0.9x | 0.9x | 0.9x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 27.43% | 28.73% | 29.45% | 27.56% | 27.58% | 27.36% | 26.22% | 26.55% | -101 bps | |
| Total Risk-Based Capital | 46.97% | 47.06% | 48.20% | 44.98% | 45.20% | 43.71% | 45.55% | 44.62% | -36 bps | |
| Equity / Assets | 26.79% | 27.16% | 28.10% | 26.36% | 25.72% | 26.11% | 25.87% | 26.00% | -35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.82% | 88.69% | 91.02% | 88.91% | 85.58% | 89.25% | 81.57% | 80.93% | -798 bps | |
| Liquid Assets / Assets | 20.05% | 19.64% | 18.50% | 18.85% | 17.00% | 12.87% | 17.02% | 18.43% | -42 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 77.85% | 75.95% | 76.72% | n/a | n/a | |
Opelousas, LA · Cert 29804 · Peer group: banks under $1B in assets (n=581-629) · Catalyst Bcorp Inc.
State savings bank · OCC · 6 branches
Q2 2026
Return on Assets
0.92%
Rank 362 of 629
Net Interest Margin
3.53%
Rank 317 of 629
Efficiency Ratio
75.22%
Rank 424 of 629
Equity / Assets
26.00%
Rank 64 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.92% | 0.60% | 1.01% | 1.45% | Beats 42% | 362 / 629 | ||
| Return on Equity | 3.52% | 5.38% | 9.30% | 13.28% | Beats 17% | 522 / 629 | ||
| Net Interest Margin | 3.53% | 3.03% | 3.54% | 4.05% | Beats 50% | 317 / 629 | ||
| Efficiency Ratio | 75.22% | 58.35% | 67.79% | 79.08% | Beats 33% | 424 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.43% | 0.09% | 0.46% | 1.20% | Beats 20% | 468 / 581 | ||
| Net Charge-Offs / Loans | 0.04% | n/a | 0.01% | 0.06% | Beats 31% | 404 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 43.37% | 11.24% | 13.84% | 18.77% | Beats 90% | 64 / 629 | ||
| Total Risk-Based Capital Ratio | 44.62% | 11.58% | 14.43% | 19.66% | Beats 90% | 63 / 629 | ||
| Equity / Assets | 26.00% | 9.09% | 10.65% | 13.80% | Beats 90% | 64 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.93% | 67.24% | 80.90% | 93.48% | 50th pctl | 296 / 594 | ||
| Loans / Assets | 56.76% | 53.31% | 67.71% | 78.15% | 30th pctl | 443 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||