Delhi, LA · Cert 34784 · Capital Bcorp Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
34
Asset Quality
7
Profitability
78
Liquidity
0
Efficiency
90
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Delhi, LA · Cert 34784 · Capital Bcorp Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Monroe, LA · 2026 SOD (annual) · 4.8% share · #6 of 20 inst. · $0.3B of $6.2B
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 | 2.04% | 1.92% | 1.89% | 1.90% | 1.54% | 1.50% | 1.56% | 1.50% | -40 bps | |
| Return on Equity | 17.74% | 17.00% | 18.58% | 17.95% | 14.62% | 14.09% | 14.07% | 13.70% | -424 bps | |
| Net Interest Margin | 4.84% | 4.74% | 4.99% | 4.53% | 4.09% | 4.25% | 4.35% | 4.28% | -26 bps | |
| Efficiency Ratio | 54.21% | 54.17% | 49.78% | 47.29% | 50.56% | 50.93% | 49.16% | 49.16% | +187 bps | |
| Non-Interest Burden | 2.30% | 2.26% | 2.19% | 1.89% | 1.85% | 1.94% | 1.93% | 1.88% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.43% | 33.34% | 44.69% | 54.19% | 55.18% | 47.12% | 29.93% | 24.48% | -2,971 bps | |
| Loan Growth (YoY) | 27.60% | 39.24% | 42.98% | 43.34% | 47.69% | 50.25% | 37.82% | 29.82% | -1,352 bps | |
| Deposit Growth (YoY) | 23.64% | 22.83% | 31.62% | 43.23% | 42.46% | 41.61% | 28.58% | 13.32% | -2,991 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.62% | 2.76% | 1.40% | 2.75% | 2.50% | 2.47% | 3.98% | 5.66% | +291 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.03% | -0.02% | 0.00% | 0.00% | 0.02% | 0.44% | 0.26% | +26 bps | |
| Allowance / Loans | 0.81% | 0.91% | 0.89% | 0.89% | 1.04% | 1.11% | 1.05% | 1.02% | +13 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.3x | 0.6x | 0.3x | 0.4x | 0.5x | 0.3x | 0.2x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.09% | 11.24% | 10.44% | 11.64% | 10.63% | 12.16% | 11.56% | 11.45% | -19 bps | |
| Total Risk-Based Capital | 11.09% | 11.24% | 10.44% | 11.64% | 10.63% | 12.16% | 11.56% | 11.45% | -19 bps | |
| Equity / Assets | 11.51% | 10.66% | 9.76% | 11.20% | 10.52% | 10.97% | 11.20% | 10.64% | -55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.49% | 91.21% | 92.36% | 94.49% | 96.93% | 96.78% | 98.99% | 108.25% | +1,375 bps | |
| Liquid Assets / Assets | 12.22% | 20.59% | 21.76% | 15.73% | 15.46% | 17.06% | 15.15% | 12.50% | -324 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 310% | 320% | 322% | n/a | n/a | |
Delhi, LA · Cert 34784 · Peer group: banks under $1B in assets (n=581-629) · Capital Bcorp Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Return on Assets
1.42%
Rank 166 of 629
Net Interest Margin
4.28%
Rank 100 of 629
Efficiency Ratio
49.16%
Rank 66 of 629
Equity / Assets
10.64%
Rank 316 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.42% | 0.60% | 1.01% | 1.45% | Beats 74% | 166 / 629 | ||
| Return on Equity | 13.33% | 5.38% | 9.30% | 13.28% | Beats 75% | 155 / 629 | ||
| Net Interest Margin | 4.28% | 3.03% | 3.54% | 4.05% | Beats 84% | 100 / 629 | ||
| Efficiency Ratio | 49.16% | 58.35% | 67.79% | 79.08% | Beats 90% | 66 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 5.66% | 0.09% | 0.46% | 1.20% | Beats 2% | 568 / 581 | ||
| Net Charge-Offs / Loans | 0.14% | n/a | 0.01% | 0.06% | Beats 12% | 516 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.45% | 11.24% | 13.84% | 18.77% | Beats 28% | 456 / 629 | ||
| Total Risk-Based Capital Ratio | 11.45% | 11.58% | 14.43% | 19.66% | Beats 24% | 481 / 629 | ||
| Equity / Assets | 10.64% | 9.09% | 10.65% | 13.80% | Beats 50% | 316 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 108.25% | 67.24% | 80.90% | 93.48% | 94th pctl | 37 / 594 | ||
| Loans / Assets | 80.26% | 53.31% | 67.71% | 78.15% | 82nd pctl | 116 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||