Metairie, LA · Cert 33492 · CB&T Holding Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · New Orleans-Metairie, LA · 2026 SOD (annual) · 2.1% share · #8 of 32 inst. · $0.8B 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 | -1.54% | -0.24% | 2.04% | 2.67% | 1.70% | 1.25% | 19.63% | 8.34% | +567 bps | |
| Return on Equity | -18.33% | -2.79% | 21.07% | 26.05% | 16.03% | 11.60% | 141.04% | 59.15% | +3,311 bps | |
| Net Interest Margin | 13.18% | 13.77% | 12.74% | 13.35% | 13.32% | 12.77% | 6.50% | 4.09% | -927 bps | |
| Efficiency Ratio | 43.76% | 45.34% | 52.61% | 45.56% | 47.14% | 46.56% | n/a | n/a | n/a | |
| Non-Interest Burden | 5.79% | 6.27% | 6.66% | 6.05% | 6.29% | 5.98% | 12.65% | 8.30% | +225 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.21% | -18.22% | -19.84% | -18.37% | -17.17% | -13.37% | -4.95% | 2.52% | +2,089 bps | |
| Loan Growth (YoY) | -11.93% | -16.73% | -20.14% | -20.55% | -23.96% | -23.32% | -65.07% | -57.18% | -3,663 bps | |
| Deposit Growth (YoY) | -14.67% | -19.50% | -21.63% | -20.82% | -20.61% | -15.87% | -10.84% | -3.17% | +1,765 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.98% | 3.35% | 2.60% | 2.90% | 3.39% | 3.85% | 1.08% | 1.28% | -162 bps | |
| Net Charge-Offs / Loans | 10.71% | 11.37% | 11.84% | 10.65% | 11.90% | 12.97% | -20.86% | -8.55% | -1,920 bps | |
| Allowance / Loans | 12.55% | 11.16% | 10.01% | 9.18% | 9.08% | 8.30% | 0.89% | 1.31% | -787 bps | |
| Allowance Coverage of NPLs | 4.2x | 3.3x | 3.8x | 3.2x | 2.7x | 2.2x | 0.8x | 1.0x | -2.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.66% | 10.77% | 10.94% | 12.42% | 12.58% | 13.00% | 17.29% | 15.01% | +259 bps | |
| Total Risk-Based Capital | 12.53% | 13.69% | 14.02% | 15.31% | 16.24% | 16.80% | 37.19% | 35.17% | +1,987 bps | |
| Equity / Assets | 7.90% | 9.12% | 10.31% | 11.38% | 11.66% | 11.78% | 15.98% | 14.42% | +303 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.76% | 100.06% | 100.47% | 100.06% | 94.59% | 91.19% | 39.36% | 44.24% | -5,582 bps | |
| Liquid Assets / Assets | 6.10% | 4.65% | 4.92% | 5.49% | 9.86% | 6.08% | 10.89% | 7.27% | +177 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 9.21% | 17.03% | 24.98% | n/a | n/a | |