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

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	8-Qtr Trend
Earnings
Return on Assets	1.93%	0.72%	1.06%	1.45%	Beats 93%	52 / 746	n/a
Return on Equity	12.19%	6.74%	10.51%	13.63%	Beats 65%	262 / 746	n/a
Net Interest Margin	4.34%	3.17%	3.68%	4.16%	Beats 82%	134 / 746	n/a
Efficiency Ratio	53.87%	55.74%	64.58%	75.47%	Beats 78%	164 / 746	n/a
Asset Quality
Nonperforming Loans / Loans	0.14%	0.09%	0.42%	1.07%	Beats 71%	218 / 743	n/a
Net Charge-Offs / Loans	0.00%	0.00%	0.01%	0.05%	Beats 69%	236 / 743	n/a
Capital
Tier 1 Capital Ratio	13.38%	11.55%	13.75%	17.60%	Beats 46%	405 / 746	n/a
Total Risk-Based Capital Ratio	13.38%	11.71%	14.33%	18.43%	Beats 42%	436 / 746	n/a
Equity / Assets	15.86%	8.90%	10.51%	13.06%	Beats 89%	81 / 746	n/a
Liquidity & Funding
Loans / Deposits	94.40%	61.31%	78.27%	90.78%	83rd pctl	127 / 746	n/a
Loans / Assets	77.18%	53.60%	66.97%	76.08%	79th pctl	160 / 746	n/a
Brokered Deposits / Deposits	n/a	Not reported for this institution