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=573 to 620). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
46
Asset Quality
29
Profitability
79
Liquidity
90
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=573-620) · Community First Bancshares Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Return on Assets
1.44%
Rank 159 of 620
Net Interest Margin
4.10%
Rank 134 of 620
Efficiency Ratio
58.30%
Rank 154 of 620
Equity / Assets
9.14%
Rank 454 of 620
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.44% | 0.60% | 1.00% | 1.45% | Beats 74% | 159 / 620 | ||
| Return on Equity | 15.71% | 5.30% | 9.30% | 13.29% | Beats 86% | 84 / 620 | ||
| Net Interest Margin | 4.10% | 3.02% | 3.53% | 4.04% | Beats 78% | 134 / 620 | ||
| Efficiency Ratio | 58.30% | 58.35% | 68.08% | 79.37% | Beats 75% | 154 / 620 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.54% | 0.09% | 0.47% | 1.27% | Beats 47% | 304 / 573 | ||
| Net Charge-Offs / Loans | 0.14% | n/a | 0.01% | 0.06% | Beats 10% | 514 / 573 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.18% | 11.27% | 13.87% | 18.78% | Beats 53% | 293 / 620 | ||
| Total Risk-Based Capital Ratio | 15.43% | 11.69% | 14.57% | 19.67% | Beats 57% | 268 / 620 | ||
| Equity / Assets | 9.14% | 9.03% | 10.60% | 13.73% | Beats 27% | 454 / 620 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.28% | 65.08% | 79.69% | 92.47% | 44th pctl | 327 / 585 | ||
| Loans / Assets | 68.98% | 51.85% | 67.17% | 77.86% | 54th pctl | 284 / 620 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||