Jennings, LA · Cert 34409 · Bancshares Inc. the
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · Lake Charles, LA · 2026 SOD (annual) · 4.8% share · #8 of 20 inst. · $0.3B of $6.1B
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 | 1.75% | 1.91% | 1.50% | 1.67% | 1.58% | 1.71% | 1.83% | 1.67% | +1 bps | |
| Return on Equity | 14.77% | 15.69% | 12.40% | 13.72% | 12.61% | 13.25% | 14.13% | 13.23% | -49 bps | |
| Net Interest Margin | 4.73% | 4.75% | 4.69% | 4.78% | 5.04% | 5.05% | 5.07% | 5.09% | +31 bps | |
| Efficiency Ratio | 52.70% | 54.16% | 57.67% | 55.40% | 55.54% | 61.16% | 55.80% | 51.57% | -383 bps | |
| Non-Interest Burden | 2.18% | 2.25% | 2.44% | 2.37% | 2.52% | 2.82% | 2.59% | 2.32% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.43% | -1.09% | 3.83% | 4.69% | 3.85% | 2.03% | 2.80% | 5.64% | +95 bps | |
| Loan Growth (YoY) | -0.65% | 0.76% | 2.19% | 2.94% | 4.56% | 4.80% | 3.29% | 2.77% | -17 bps | |
| Deposit Growth (YoY) | 2.98% | 2.37% | 5.57% | 5.34% | 5.11% | 3.89% | 5.22% | 7.18% | +183 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.55% | 0.68% | 0.62% | 0.79% | 0.50% | 0.48% | 0.62% | 0.48% | -30 bps | |
| Net Charge-Offs / Loans | 0.23% | 0.32% | 0.24% | 0.44% | 0.54% | 0.33% | 0.10% | 0.20% | -24 bps | |
| Allowance / Loans | 1.65% | 1.62% | 1.64% | 1.63% | 1.62% | 1.59% | 1.59% | 1.78% | +16 bps | |
| Allowance Coverage of NPLs | 3.0x | 2.4x | 2.7x | 2.1x | 3.3x | 3.3x | 2.6x | 3.7x | +1.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.17% | 12.47% | 12.48% | 12.24% | 12.66% | 12.98% | 13.08% | 12.76% | +52 bps | |
| Total Risk-Based Capital | 12.17% | 12.47% | 12.48% | 12.24% | 12.66% | 12.98% | 13.08% | 12.76% | +52 bps | |
| Equity / Assets | 12.15% | 12.20% | 11.98% | 12.35% | 12.70% | 13.18% | 12.70% | 12.61% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.70% | 89.84% | 86.82% | 87.96% | 90.23% | 90.63% | 85.23% | 84.35% | -362 bps | |
| Liquid Assets / Assets | 5.97% | 6.45% | 8.72% | 7.14% | 5.63% | 4.78% | 8.72% | 7.39% | +25 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 154.33% | 158.75% | 159.68% | n/a | n/a | |