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 | |