Bogalusa, LA · Cert 30270
SI · FDIC · 5 branches
Q2 2026
Market Position · Slidell-Mandeville-Covington, LA · 2026 SOD (annual) · 0.4% share · #18 of 26 inst. · $0.0B of $7.9B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.97% | 0.98% | 0.77% | 1.37% | 1.28% | +31 bps | |
| Return on Equity | 7.62% | 7.60% | 5.96% | 10.18% | 9.50% | +187 bps | |
| Net Interest Margin | 4.10% | 4.15% | 4.20% | 4.59% | 4.49% | +39 bps | |
| Efficiency Ratio | 70.96% | 70.96% | 71.80% | 64.80% | 67.31% | -365 bps | |
| Non-Interest Burden | 2.83% | 2.85% | 2.93% | 2.77% | 2.87% | +4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.51% | 4.48% | 3.70% | 3.16% | 2.91% | -360 bps | |
| Loan Growth (YoY) | 3.15% | 2.81% | 4.47% | 4.93% | 4.33% | +119 bps | |
| Deposit Growth (YoY) | 6.91% | 4.74% | 2.75% | 2.14% | 1.91% | -499 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.00% | 0.91% | 1.00% | 0.75% | 0.74% | -26 bps | |
| Net Charge-Offs / Loans | 0.17% | 0.24% | 0.20% | 0.32% | 0.17% | +1 bps | |
| Allowance / Loans | 2.62% | 2.52% | 2.76% | 2.66% | 2.65% | +3 bps | |
| Allowance Coverage of NPLs | 2.6x | 2.8x | 2.8x | 3.5x | 3.6x | +1.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.87% | 14.07% | 14.05% | 14.38% | 14.33% | +46 bps | |
| Total Risk-Based Capital | 13.87% | 14.07% | 14.05% | 14.38% | 14.33% | +46 bps | |
| Equity / Assets | 12.88% | 13.31% | 13.48% | 13.43% | 13.62% | +74 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.21% | 90.10% | 92.85% | 90.97% | 90.31% | +209 bps | |
| Liquid Assets / Assets | 5.72% | 3.78% | 1.93% | 4.75% | 4.16% | -156 bps | |
| CRE / Total Capital | n/a | 140.49% | 138.88% | 136.99% | n/a | n/a | |