Catalyst Bank
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
$286.8MAssets
$162.8MLoans
$201.2MDeposits
$74.6MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 90% of banks under $1B in assets (rank 64 of 629).
- Widest gap: return on equity trails 83% of banks under $1B in assets (rank 522 of 629).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $7.3M · efficiency ratio beats 33% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |