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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.90% | 1.54% | 1.50% | 1.56% | 1.50% | -40 bps | |
| Return on Equity | 17.95% | 14.62% | 14.09% | 14.07% | 13.70% | -424 bps | |
| Net Interest Margin | 4.53% | 4.09% | 4.25% | 4.35% | 4.28% | -26 bps | |
| Efficiency Ratio | 47.29% | 50.56% | 50.93% | 49.16% | 49.16% | +187 bps | |
| Non-Interest Burden | 1.89% | 1.85% | 1.94% | 1.93% | 1.88% | -1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 54.19% | 55.18% | 47.12% | 29.93% | 24.48% | -2,971 bps | |
| Loan Growth (YoY) | 43.34% | 47.69% | 50.25% | 37.82% | 29.82% | -1,352 bps | |
| Deposit Growth (YoY) | 43.23% | 42.46% | 41.61% | 28.58% | 13.32% | -2,991 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.75% | 2.50% | 2.47% | 3.98% | 5.66% | +291 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.44% | 0.26% | +26 bps | |
| Allowance / Loans | 0.89% | 1.04% | 1.11% | 1.05% | 1.02% | +13 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.4x | 0.5x | 0.3x | 0.2x | -0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.64% | 10.63% | 12.16% | 11.56% | 11.45% | -19 bps | |
| Total Risk-Based Capital | 11.64% | 10.63% | 12.16% | 11.56% | 11.45% | -19 bps | |
| Equity / Assets | 11.20% | 10.52% | 10.97% | 11.20% | 10.64% | -55 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.49% | 96.93% | 96.78% | 98.99% | 108.25% | +1,375 bps | |
| Liquid Assets / Assets | 15.73% | 15.46% | 17.06% | 15.15% | 12.50% | -324 bps | |
| CRE / Total Capital | n/a | 310% | 320% | 322% | n/a | n/a | |