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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.23% | 1.18% | 1.30% | 1.23% | 1.15% | 0.91% | 1.11% | -19 bps | |
| Return on Equity | 6.55% | 2.81% | 14.63% | 16.00% | 14.89% | 13.84% | 10.64% | 13.02% | -298 bps | |
| Net Interest Margin | 6.64% | 6.60% | 6.50% | 6.55% | 6.61% | 6.61% | 6.56% | 6.65% | +10 bps | |
| Efficiency Ratio | 74.02% | 73.56% | 73.39% | 71.30% | 70.12% | 71.16% | 72.24% | 71.52% | +22 bps | |
| Non-Interest Burden | 4.75% | 4.69% | 4.68% | 4.50% | 4.46% | 4.55% | 4.58% | 4.59% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.22% | 7.68% | 6.42% | 5.97% | 5.77% | 7.69% | 8.66% | 9.11% | +314 bps | |
| Loan Growth (YoY) | 9.01% | 9.12% | 6.58% | 4.56% | 6.17% | 7.30% | 8.20% | 11.37% | +681 bps | |
| Deposit Growth (YoY) | 11.72% | 10.45% | 7.73% | 7.09% | 6.98% | 7.62% | 9.08% | 7.36% | +27 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.86% | 2.21% | 2.45% | 2.31% | 1.75% | 1.38% | 1.74% | 1.60% | -70 bps | |
| Net Charge-Offs / Loans | 0.82% | 1.63% | 0.29% | 0.38% | 0.58% | 0.83% | 0.57% | 0.42% | +4 bps | |
| Allowance / Loans | 2.16% | 2.02% | 2.03% | 1.97% | 2.04% | 1.82% | 1.91% | 1.83% | -13 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.9x | 0.8x | 0.9x | 1.2x | 1.3x | 1.1x | 1.1x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.81% | 8.56% | 8.46% | 8.60% | 8.84% | 9.00% | 9.02% | 9.07% | +46 bps | |
| Total Risk-Based Capital | 12.90% | 11.62% | 11.63% | 11.76% | 13.08% | 13.41% | 13.47% | 13.10% | +134 bps | |
| Equity / Assets | 8.43% | 7.90% | 8.17% | 8.26% | 8.63% | 8.56% | 8.49% | 8.44% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.44% | 82.17% | 82.08% | 82.18% | 83.80% | 81.93% | 81.42% | 85.25% | +306 bps | |
| Liquid Assets / Assets | 2.67% | 4.39% | 3.62% | 3.56% | 2.50% | 5.20% | 5.44% | 2.84% | -72 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 270% | 279% | 274% | n/a | n/a | |