PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Beauregard Federal Savings Bank

Deridder, LA · Cert 30339 · 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
Loan mix
85%RE $66.6M9%C&I $6.9M6%Consumer $4.4MQ2 2025Q2 2026
Deposit mix
95%Interest-bearing $80.5M5%Noninterest $4.5MQ2 2025Q2 2026

NIM

6.21%Q2 ’246.37%Q2 ’256.49%Q2 ’26-1%-3%

Non-interest income vs. expense

4.17%Q2 ’244.14%Q2 ’253.30%Q2 ’26+14%-21%

Executive Summary

  • Earnings: ROA of 0.83%, up 44 bps year over year; NIM at 4.55%.
  • Asset quality: problem loans at 3.36% of loans (-183 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 9.70%, down 125 bps from a year ago.
  • Funding: loans stand at 97.92% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.83%+44 bps YoY

Net Interest Margin (quarter, annualized)

4.55%-12 bps YoY

Efficiency Ratio (quarter, annualized)

69.39%-1,096 bps YoY

Tier 1 Leverage Ratio

9.70%-125 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.39%0.46%1.20%0.96%0.83%+44 bps
Return on Equity2.93%3.68%10.05%8.24%7.23%+430 bps
Net Interest Margin4.68%4.22%5.08%4.74%4.55%-12 bps
Efficiency Ratio80.35%78.01%58.97%67.15%69.39%-1,096 bps
Non-Interest Burden4.00%3.51%3.15%3.37%3.16%-84 bps
Growth
Asset Growth (YoY)10.16%23.06%22.60%28.11%22.43%+1,227 bps
Loan Growth (YoY)30.27%28.42%36.11%38.64%25.97%-430 bps
Deposit Growth (YoY)-0.79%12.45%15.80%22.56%28.04%+2,882 bps
Asset Quality
Nonperforming Loans / Loans5.18%4.27%2.85%2.38%3.36%-183 bps
Net Charge-Offs / Loans0.19%1.03%0.18%0.00%0.06%-13 bps
Allowance / Loans1.12%0.84%0.81%0.79%0.81%-31 bps
Allowance Coverage of NPLs0.2x0.2x0.3x0.3x0.2x0.0x
Capital
Tier 1 Leverage Ratio10.95%9.95%10.04%9.77%9.70%-125 bps
Total Risk-Based Capital10.95%9.95%10.04%9.77%9.70%-125 bps
Equity / Assets12.89%12.16%11.78%11.60%11.38%-151 bps
Liquidity & Funding
Loans / Deposits99.53%94.38%94.87%95.08%97.92%-161 bps
Liquid Assets / Assets16.89%19.19%18.50%17.66%16.17%-72 bps
CRE / Total Capitaln/a218%239%222%n/an/a