Mer Rouge, LA · Cert 314
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Monroe, LA · 2026 SOD (annual) · 0.7% share · #18 of 20 inst. · $0.0B of $6.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.37% | 0.49% | 0.86% | 1.04% | 1.27% | +90 bps | |
| Return on Equity | 3.59% | 4.47% | 7.89% | 9.58% | 11.63% | +804 bps | |
| Net Interest Margin | 4.50% | 4.52% | 4.44% | 4.58% | 4.71% | +21 bps | |
| Efficiency Ratio | 81.32% | 83.12% | 77.46% | 74.10% | 70.87% | -1,045 bps | |
| Non-Interest Burden | 3.62% | 3.71% | 3.39% | 3.32% | 3.28% | -34 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.36% | 2.19% | 0.14% | -1.92% | 11.35% | +1,170 bps | |
| Loan Growth (YoY) | 0.27% | 4.78% | 13.33% | 25.52% | 35.50% | +3,523 bps | |
| Deposit Growth (YoY) | -1.59% | 1.69% | -1.29% | -3.32% | 8.93% | +1,052 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.42% | 2.92% | 0.00% | 0.00% | 0.55% | -87 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.24% | 1.15% | 1.28% | 1.08% | 0.94% | -30 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.4x | n/a | n/a | 1.7x | +0.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.43% | 13.76% | 13.01% | 12.57% | 12.61% | -81 bps | |
| Total Risk-Based Capital | 13.43% | 13.76% | 13.01% | 12.57% | 12.61% | -81 bps | |
| Equity / Assets | 10.91% | 11.09% | 10.66% | 10.98% | 10.87% | -4 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 61.10% | 66.05% | 56.53% | 67.73% | 76.00% | +1,490 bps | |
| Liquid Assets / Assets | 11.57% | 9.00% | 17.05% | 14.84% | 12.12% | +56 bps | |
| CRE / Total Capital | n/a | 83.69% | 141.17% | 157.94% | n/a | n/a | |