New Orleans, LA · Cert 32974
State charter, non-member · FDIC · 24 branches
Q2 2026
Market Position · New Orleans-Metairie, LA · 2026 SOD (annual) · 6.0% share · #6 of 32 inst. · $2.2B of $36.0B
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 | 1.42% | 1.08% | 0.94% | 0.91% | 1.30% | -12 bps | |
| Return on Equity | 17.31% | 12.76% | 10.89% | 10.64% | 15.39% | -192 bps | |
| Net Interest Margin | 6.77% | 6.87% | 6.81% | 6.56% | 6.87% | +10 bps | |
| Efficiency Ratio | 69.38% | 67.93% | 74.22% | 72.24% | 70.85% | +147 bps | |
| Non-Interest Burden | 4.44% | 4.46% | 4.94% | 4.58% | 4.70% | +26 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.97% | 5.77% | 7.69% | 8.66% | 9.11% | +314 bps | |
| Loan Growth (YoY) | 4.56% | 6.17% | 7.30% | 8.20% | 11.37% | +681 bps | |
| Deposit Growth (YoY) | 7.09% | 6.98% | 7.62% | 9.08% | 7.36% | +27 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.31% | 1.75% | 1.38% | 1.74% | 1.60% | -70 bps | |
| Net Charge-Offs / Loans | 0.49% | 0.99% | 1.58% | 0.57% | 0.31% | -18 bps | |
| Allowance / Loans | 1.97% | 2.04% | 1.82% | 1.91% | 1.83% | -13 bps | |
| Allowance Coverage of NPLs | 0.9x | 1.2x | 1.3x | 1.1x | 1.1x | +0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.60% | 8.84% | 9.00% | 9.02% | 9.07% | +46 bps | |
| Total Risk-Based Capital | 11.76% | 13.08% | 13.41% | 13.47% | 13.10% | +134 bps | |
| Equity / Assets | 8.26% | 8.63% | 8.56% | 8.49% | 8.44% | +18 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 82.18% | 83.80% | 81.93% | 81.42% | 85.25% | +306 bps | |
| Liquid Assets / Assets | 3.56% | 2.50% | 5.20% | 5.44% | 2.84% | -72 bps | |
| CRE / Total Capital | n/a | 270% | 279% | 274% | n/a | n/a | |