Beauregard Federal Savings Bank
Deridder, LA · Cert 30339 · Peer group: banks under $1B in assets (n=581-629) · Homeland Bancshares Inc.
State savings bank · OCC · 2 affiliate banks · 2 branches (8 in holding)
Q2 2026
$106.4MAssets
$83.2MLoans
$84.9MDeposits
$12.1MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 91% of banks under $1B in assets (rank 58 of 629).
- Widest gap: nonperforming loans / loans trails 94% of banks under $1B in assets (rank 548 of 581).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.87%
Rank 386 of 629
Net Interest Margin
4.59%
Rank 58 of 629
Efficiency Ratio
72.64%
Rank 391 of 629
Equity / Assets
11.38%
Rank 264 of 629
Non-interest income vs. expense
Unfavorable gap of $3.4M · efficiency ratio beats 38% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.87% | 0.60% | 1.01% | 1.45% | Beats 39% | 386 / 629 | | |
| Return on Equity | 7.63% | 5.38% | 9.30% | 13.28% | Beats 37% | 397 / 629 | | |
| Net Interest Margin | 4.59% | 3.03% | 3.54% | 4.05% | Beats 91% | 58 / 629 | | |
| Efficiency Ratio | 72.64% | 58.35% | 67.79% | 79.08% | Beats 38% | 391 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.36% | 0.09% | 0.46% | 1.20% | Beats 6% | 548 / 581 | | |
| Net Charge-Offs / Loans | 0.08% | n/a | 0.01% | 0.06% | Beats 21% | 459 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 9.70% | 11.24% | 13.84% | 18.77% | Beats 8% | 579 / 629 | | |
| Total Risk-Based Capital Ratio | 9.70% | 11.58% | 14.43% | 19.66% | Beats 8% | 581 / 629 | | |
| Equity / Assets | 11.38% | 9.09% | 10.65% | 13.80% | Beats 58% | 264 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 97.92% | 67.24% | 80.90% | 93.48% | 82nd pctl | 105 / 594 | | |
| Loans / Assets | 78.13% | 53.31% | 67.71% | 78.15% | 75th pctl | 160 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |