New Iberia, LA · Cert 35020 · Community First Bancshares 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
45
Asset Quality
28
Profitability
79
Liquidity
86
Efficiency
75
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.
New Iberia, LA · Cert 35020 · Community First Bancshares Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Lafayette, LA · 2026 SOD (annual) · 1.6% share · #14 of 41 inst. · $0.2B of $12.2B
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 | 1.23% | 1.29% | 1.43% | 1.44% | 1.44% | 1.45% | 1.46% | 1.45% | +1 bps | |
| Return on Equity | 15.01% | 15.61% | 16.66% | 16.67% | 16.36% | 16.34% | 16.33% | 16.12% | -54 bps | |
| Net Interest Margin | 3.89% | 3.89% | 4.02% | 3.98% | 4.04% | 4.00% | 4.09% | 4.10% | +12 bps | |
| Efficiency Ratio | 63.87% | 62.53% | 59.67% | 59.62% | 59.31% | 58.57% | 57.79% | 58.30% | -132 bps | |
| Non-Interest Burden | 2.31% | 2.24% | 2.20% | 2.20% | 2.22% | 2.17% | 2.20% | 2.23% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.95% | -3.39% | 5.16% | 9.26% | 9.99% | 11.44% | 10.00% | 8.82% | -44 bps | |
| Loan Growth (YoY) | 9.75% | 4.82% | 3.03% | -0.08% | -0.07% | 2.35% | 1.09% | 2.67% | +275 bps | |
| Deposit Growth (YoY) | 5.64% | 3.83% | 7.13% | 8.68% | 9.93% | 10.93% | 9.69% | 8.48% | -21 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.23% | 0.25% | 0.23% | 0.24% | 0.25% | 0.33% | 0.34% | 0.54% | +30 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.05% | 0.03% | 0.02% | 0.05% | 0.08% | 0.28% | +25 bps | |
| Allowance / Loans | 1.47% | 1.51% | 1.51% | 1.51% | 1.50% | 1.50% | 1.51% | 1.42% | -9 bps | |
| Allowance Coverage of NPLs | 6.3x | 6.1x | 6.6x | 6.3x | 5.9x | 4.5x | 4.5x | 2.6x | -3.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.90% | 9.83% | 9.76% | 9.71% | 10.01% | 9.90% | 9.65% | 9.74% | +3 bps | |
| Total Risk-Based Capital | 14.23% | 14.41% | 14.58% | 15.07% | 15.34% | 15.19% | 15.45% | 15.43% | +37 bps | |
| Equity / Assets | 9.02% | 8.69% | 8.44% | 8.84% | 9.26% | 9.21% | 8.73% | 9.14% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.03% | 86.91% | 80.67% | 80.60% | 81.84% | 80.19% | 74.35% | 76.28% | -431 bps | |
| Liquid Assets / Assets | 0.24% | 3.89% | 7.38% | 6.36% | 6.06% | 6.97% | 11.38% | 8.43% | +207 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 368% | 365% | 358% | n/a | n/a | |
New Iberia, LA · Cert 35020 · Peer group: banks under $1B in assets (n=581-629) · Community First Bancshares Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Return on Assets
1.44%
Rank 163 of 629
Net Interest Margin
4.10%
Rank 143 of 629
Efficiency Ratio
58.30%
Rank 156 of 629
Equity / Assets
9.14%
Rank 467 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.44% | 0.60% | 1.01% | 1.45% | Beats 74% | 163 / 629 | ||
| Return on Equity | 15.71% | 5.38% | 9.30% | 13.28% | Beats 86% | 85 / 629 | ||
| Net Interest Margin | 4.10% | 3.03% | 3.54% | 4.05% | Beats 77% | 143 / 629 | ||
| Efficiency Ratio | 58.30% | 58.35% | 67.79% | 79.08% | Beats 75% | 156 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.54% | 0.09% | 0.46% | 1.20% | Beats 46% | 313 / 581 | ||
| Net Charge-Offs / Loans | 0.14% | n/a | 0.01% | 0.06% | Beats 10% | 521 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.18% | 11.24% | 13.84% | 18.77% | Beats 53% | 295 / 629 | ||
| Total Risk-Based Capital Ratio | 15.43% | 11.58% | 14.43% | 19.66% | Beats 57% | 268 / 629 | ||
| Equity / Assets | 9.14% | 9.09% | 10.65% | 13.80% | Beats 26% | 467 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.28% | 67.24% | 80.90% | 93.48% | 42nd pctl | 342 / 594 | ||
| Loans / Assets | 68.98% | 53.31% | 67.71% | 78.15% | 53rd pctl | 296 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||