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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.72% | 0.99% | 0.95% | 0.99% | 0.17% | 1.37% | 1.19% | +25 bps | |
| Return on Equity | 4.57% | 5.62% | 7.82% | 7.42% | 7.56% | 1.23% | 10.18% | 8.84% | +141 bps | |
| Net Interest Margin | 3.93% | 3.95% | 4.16% | 4.14% | 4.26% | 4.39% | 4.59% | 4.50% | +36 bps | |
| Efficiency Ratio | 77.23% | 71.01% | 70.69% | 71.24% | 70.97% | 74.18% | 64.80% | 69.91% | -133 bps | |
| Non-Interest Burden | 2.97% | 2.79% | 2.84% | 2.87% | 2.93% | 3.19% | 2.77% | 3.03% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.89% | 5.30% | 6.37% | 6.51% | 4.48% | 3.70% | 3.16% | 2.91% | -360 bps | |
| Loan Growth (YoY) | 9.93% | 7.61% | 5.02% | 3.15% | 2.81% | 4.47% | 4.93% | 4.33% | +119 bps | |
| Deposit Growth (YoY) | 6.83% | 8.60% | 6.59% | 6.91% | 4.74% | 2.75% | 2.14% | 1.91% | -499 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.01% | 0.78% | 0.95% | 1.00% | 0.91% | 1.00% | 0.75% | 0.74% | -26 bps | |
| Net Charge-Offs / Loans | 0.02% | -0.03% | 0.32% | 0.02% | 0.39% | 0.09% | 0.32% | 0.03% | +1 bps | |
| Allowance / Loans | 2.58% | 2.65% | 2.61% | 2.62% | 2.52% | 2.76% | 2.66% | 2.65% | +3 bps | |
| Allowance Coverage of NPLs | 2.6x | 3.4x | 2.7x | 2.6x | 2.8x | 2.8x | 3.5x | 3.6x | +1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.92% | 13.74% | 13.92% | 13.87% | 14.07% | 14.05% | 14.38% | 14.33% | +46 bps | |
| Total Risk-Based Capital | 13.92% | 13.74% | 13.92% | 13.87% | 14.07% | 14.05% | 14.38% | 14.33% | +46 bps | |
| Equity / Assets | 12.87% | 12.64% | 12.70% | 12.88% | 13.31% | 13.48% | 13.43% | 13.62% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.79% | 91.32% | 88.55% | 88.21% | 90.10% | 92.85% | 90.97% | 90.31% | +209 bps | |
| Liquid Assets / Assets | 2.90% | 3.16% | 3.47% | 5.72% | 3.78% | 1.93% | 4.75% | 4.16% | -156 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 140.49% | 138.88% | 136.99% | n/a | n/a | |