Rayne, LA · Cert 30447
SL · FDIC · 1 branch
Q2 2026
Market Position · Lafayette, LA · 2026 SOD (annual) · 0.3% share · #30 of 41 inst. · $0.0B of $12.2B
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 | -0.83% | 4.74% | 0.55%1 | 2.26% | 0.96%1 | -0.54% | -2.24% | -0.38% | -264 bps | |
| Return on Equity | -3.28% | 18.16% | 2.07% | 8.34% | 3.47% | -1.91% | -8.02% | -1.37% | -971 bps | |
| Net Interest Margin | 2.33% | 2.39% | 2.23% | 2.44% | 2.34% | 2.21% | 2.14% | 2.30% | -15 bps | |
| Efficiency Ratio | 95.38% | 48.59% | 104.84% | 89.98% | 110.76% | 92.16% | 114.29% | 98.62% | +864 bps | |
| Non-Interest Burden | 2.20% | 0.05% | 2.35% | 2.11% | 2.63% | 1.91% | 2.50% | 2.23% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.73% | -6.62% | -6.80% | -3.09% | -0.43% | 0.14% | -1.68% | -3.20% | -11 bps | |
| Loan Growth (YoY) | -1.10% | -5.90% | -5.44% | -13.57% | -9.04% | -8.61% | -13.79% | -6.45% | +713 bps | |
| Deposit Growth (YoY) | -13.12% | -8.94% | -10.31% | -6.12% | -3.25% | -1.88% | -3.20% | -3.91% | +221 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.91% | 0.52% | 0.49% | 1.40% | 1.00% | 0.75% | 0.65% | 0.61% | -79 bps | |
| Net Charge-Offs / Loans | 0.00% | 1.65% | -0.54% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.35% | 1.07% | 1.01% | 1.09% | 1.12% | 1.17% | 1.17% | 1.16% | +7 bps | |
| Allowance Coverage of NPLs | 1.5x | 2.0x | 2.1x | 0.8x | 1.1x | 1.6x | 1.8x | 1.9x | +1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 26.78% | 29.05% | 28.97% | 29.00% | 29.34% | 29.29% | 28.86% | 29.06% | +6 bps | |
| Total Risk-Based Capital | 26.78% | 29.05% | 28.97% | 29.00% | 29.34% | 29.29% | 28.86% | 29.06% | +6 bps | |
| Equity / Assets | 25.77% | 26.46% | 26.79% | 27.37% | 28.10% | 28.02% | 27.89% | 27.90% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.25% | 74.12% | 78.76% | 73.42% | 72.63% | 69.03% | 70.14% | 71.49% | -194 bps | |
| Liquid Assets / Assets | 11.30% | 14.13% | 10.38% | 14.65% | 11.71% | 10.17% | 9.76% | 9.32% | -533 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 34.61% | 34.77% | 35.11% | n/a | n/a | |