Currency Bank
Oak Grove, LA · Cert 35019 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Axxess Partners Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$248.5MAssets
$191.8MLoans
$203.2MDeposits
$39.4MEquity
Executive Summary
- Strongest standing: return on assets outperforms 93% of banks under $1B in assets operating in a single state (rank 52 of 746).
- Widest gap: total risk-based capital ratio trails 58% of banks under $1B in assets operating in a single state (rank 436 of 746).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.93%
Rank 52 of 746
Net Interest Margin
4.34%
Rank 134 of 746
Efficiency Ratio
53.87%
Rank 164 of 746
Equity / Assets
15.86%
Rank 81 of 746
Non-interest income vs. expense
Unfavorable gap of $4.4M · efficiency ratio beats 78% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.93% | 0.72% | 1.06% | 1.45% | Beats 93% | 52 / 746 | |
| Return on Equity | 12.19% | 6.74% | 10.51% | 13.63% | Beats 65% | 262 / 746 | |
| Net Interest Margin | 4.34% | 3.17% | 3.68% | 4.16% | Beats 82% | 134 / 746 | |
| Efficiency Ratio | 53.87% | 55.74% | 64.58% | 75.47% | Beats 78% | 164 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.14% | 0.09% | 0.42% | 1.07% | Beats 71% | 218 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 69% | 236 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 13.38% | 11.55% | 13.75% | 17.60% | Beats 46% | 405 / 746 | |
| Total Risk-Based Capital Ratio | 13.38% | 11.71% | 14.33% | 18.43% | Beats 42% | 436 / 746 | |
| Equity / Assets | 15.86% | 8.90% | 10.51% | 13.06% | Beats 89% | 81 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 94.40% | 61.31% | 78.27% | 90.78% | 83rd pctl | 127 / 746 | |
| Loans / Assets | 77.18% | 53.60% | 66.97% | 76.08% | 79th pctl | 160 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |