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 | |