Oak Grove, LA · Cert 35019 · Axxess Partners Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Baton Rouge, LA · 2026 SOD (annual) · 0.4% share · #28 of 40 inst. · $0.1B of $26.7B
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 | 1.20% | 1.02% | 0.99% | 0.82% | 1.06% | 1.14% | 1.26% | 2.63% | +181 bps | |
| Return on Equity | 6.79% | 5.95% | 5.71% | 5.33% | 7.44% | 7.54% | 8.16% | 16.93% | +1,160 bps | |
| Net Interest Margin | 4.04% | 3.75% | 3.70% | 3.88% | 3.70% | 3.98% | 4.23% | 4.52% | +64 bps | |
| Efficiency Ratio | 48.14% | 55.46% | 61.66% | 65.21% | 60.99% | 58.16% | 57.95% | 43.76% | -2,145 bps | |
| Non-Interest Burden | 1.90% | 2.04% | 2.24% | 2.60% | 2.32% | 2.36% | 2.47% | 1.10% | -150 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.98% | 7.45% | 6.01% | 45.05% | 28.73% | 21.06% | 25.63% | -4.83% | -4,989 bps | |
| Loan Growth (YoY) | 10.09% | 4.69% | 13.79% | 28.36% | 28.52% | 26.23% | 29.72% | 17.40% | -1,097 bps | |
| Deposit Growth (YoY) | 11.94% | 7.94% | 6.22% | 53.21% | 32.78% | 23.49% | 29.23% | -9.43% | -6,264 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.14% | 0.16% | 0.15% | 0.31% | 0.82% | 0.12% | 0.19% | 0.14% | -17 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | 0.00% | 0.36% | 0.00% | 0.01% | -0.09% | -10 bps | |
| Allowance / Loans | 1.83% | 1.94% | 1.90% | 1.66% | 1.50% | 1.68% | 1.55% | 1.49% | -17 bps | |
| Allowance Coverage of NPLs | 12.7x | 12.4x | 13.0x | 5.3x | 1.8x | 13.7x | 8.2x | 10.5x | +5.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.03% | 15.62% | 15.88% | 11.60% | 11.84% | 12.33% | 12.78% | 13.38% | +178 bps | |
| Total Risk-Based Capital | 22.55% | 23.46% | 21.40% | 11.60% | 11.84% | 12.33% | 12.78% | 13.38% | +178 bps | |
| Equity / Assets | 17.26% | 17.06% | 17.56% | 13.80% | 14.69% | 15.52% | 15.25% | 15.86% | +207 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.75% | 78.93% | 85.49% | 72.83% | 80.09% | 80.68% | 85.81% | 94.40% | +2,158 bps | |
| Liquid Assets / Assets | 17.47% | 17.06% | 11.71% | 12.87% | 6.89% | 14.91% | 10.18% | 4.69% | -818 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 270% | 263% | 271% | n/a | n/a | |