Crowley, LA · Cert 4288 · First Natl Bancshares La Inc.
National charter · OCC · 5 branches
Q2 2026
Market Position · Lafayette, LA · 2026 SOD (annual) · 3.7% share · #7 of 41 inst. · $0.4B of $12.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.80% | 1.75% | 1.69% | 1.53% | 1.65% | -15 bps | |
| Return on Equity | 17.26% | 16.51% | 15.25% | 14.03% | 15.46% | -180 bps | |
| Net Interest Margin | 4.20% | 4.28% | 4.22% | 4.18% | 4.22% | +3 bps | |
| Efficiency Ratio | 50.67% | 51.87% | 52.27% | 56.29% | 55.26% | +459 bps | |
| Non-Interest Burden | 1.90% | 2.00% | 2.00% | 2.17% | 2.15% | +25 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.44% | 7.73% | 5.74% | 13.62% | 7.50% | +206 bps | |
| Loan Growth (YoY) | 3.72% | 7.02% | 9.06% | 12.56% | 17.60% | +1,388 bps | |
| Deposit Growth (YoY) | 6.74% | 6.74% | 3.48% | 13.89% | 6.84% | +10 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.32% | 1.31% | 1.31% | 1.28% | 1.22% | -11 bps | |
| Allowance Coverage of NPLs | 5192.0x | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.16% | 11.42% | 11.51% | 11.82% | 11.02% | -13 bps | |
| Total Risk-Based Capital | 16.13% | 16.14% | 15.85% | 15.83% | 15.16% | -97 bps | |
| Equity / Assets | 10.25% | 10.92% | 11.21% | 10.67% | 10.73% | +48 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.44% | 79.97% | 81.44% | 78.17% | 83.03% | +760 bps | |
| Liquid Assets / Assets | 14.77% | 10.49% | 10.51% | 12.44% | 7.87% | -690 bps | |
| CRE / Total Capital | n/a | 300% | 301% | 319% | n/a | n/a | |