Baton Rouge, LA · Cert 58228 · Business First Bancshares Inc.
State charter, non-member · FDIC · 61 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 $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
49
Asset Quality
28
Profitability
46
Liquidity
73
Efficiency
43
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.
Baton Rouge, LA · Cert 58228 · Business First Bancshares Inc.
State charter, non-member · FDIC · 61 branches
Q2 2026
Market Position · Baton Rouge, LA · 2026 SOD (annual) · 7.2% share · #4 of 40 inst. · $1.9B of $26.7B
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 | 1.10% | 1.06% | 1.14% | 1.19% | 1.22% | 1.23% | 1.23% | 1.23% | +4 bps | |
| Return on Equity | 9.97% | 9.63% | 10.06% | 10.43% | 10.58% | 10.56% | 10.46% | 10.30% | -14 bps | |
| Net Interest Margin | 3.27% | 3.05% | 3.50% | 3.50% | 3.51% | 3.51% | 3.50% | 3.56% | +6 bps | |
| Efficiency Ratio | 61.95% | 61.60% | 60.55% | 59.82% | 58.73% | 58.76% | 60.06% | 60.37% | +55 bps | |
| Non-Interest Burden | 1.78% | 1.65% | 1.86% | 1.81% | 1.78% | 1.79% | 1.86% | 1.91% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.05% | 19.39% | 16.30% | 18.48% | 15.36% | 4.47% | 14.32% | 11.97% | -651 bps | |
| Loan Growth (YoY) | 6.08% | 19.80% | 17.53% | 17.14% | 15.35% | 3.48% | 11.77% | 10.15% | -698 bps | |
| Deposit Growth (YoY) | 8.60% | 23.94% | 15.90% | 15.29% | 15.34% | 2.87% | 15.44% | 13.02% | -227 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.50% | 0.42% | 0.69% | 0.97% | 0.82% | 1.24% | 1.53% | 1.26% | +29 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.08% | 0.07% | 0.06% | 0.11% | 0.19% | 0.06% | 0.12% | +6 bps | |
| Allowance / Loans | 0.81% | 0.92% | 0.95% | 0.97% | 0.95% | 0.87% | 0.95% | 0.94% | -3 bps | |
| Allowance Coverage of NPLs | 1.6x | 2.2x | 1.4x | 1.0x | 1.2x | 0.7x | 0.6x | 0.7x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.79% | 10.47% | 10.70% | 10.79% | 11.01% | 11.01% | 10.62% | 10.91% | +12 bps | |
| Total Risk-Based Capital | 12.74% | 12.45% | 12.92% | 12.91% | 13.17% | 12.82% | 12.85% | 13.20% | +29 bps | |
| Equity / Assets | 11.29% | 11.07% | 11.59% | 11.57% | 12.03% | 11.81% | 11.78% | 12.20% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.39% | 91.63% | 92.42% | 94.01% | 92.40% | 92.18% | 89.48% | 91.62% | -239 bps | |
| Liquid Assets / Assets | 1.70% | 2.80% | 2.44% | 5.19% | 4.27% | 4.16% | 5.43% | 5.47% | +29 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 377% | 390% | 391% | n/a | n/a | |
Baton Rouge, LA · Cert 58228 · Peer group: banks $1B-$10B in assets (n=322-328) · Business First Bancshares Inc.
State charter, non-member · FDIC · 61 branches
Q2 2026
Return on Assets
1.20%
Rank 174 of 328
Net Interest Margin
3.56%
Rank 138 of 328
Efficiency Ratio
61.49%
Rank 187 of 328
Equity / Assets
12.20%
Rank 77 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.20% | 0.91% | 1.22% | 1.52% | Beats 47% | 174 / 328 | ||
| Return on Equity | 9.82% | 8.43% | 11.45% | 14.43% | Beats 34% | 218 / 328 | ||
| Net Interest Margin | 3.56% | 3.03% | 3.45% | 3.83% | Beats 58% | 138 / 328 | ||
| Efficiency Ratio | 61.49% | 51.61% | 59.56% | 67.53% | Beats 43% | 187 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.26% | 0.24% | 0.51% | 1.03% | Beats 20% | 257 / 322 | ||
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.03% | 0.10% | Beats 35% | 211 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.33% | 11.75% | 13.15% | 15.47% | Beats 36% | 209 / 328 | ||
| Total Risk-Based Capital Ratio | 13.20% | 12.63% | 14.15% | 16.46% | Beats 34% | 215 / 328 | ||
| Equity / Assets | 12.20% | 9.15% | 10.33% | 12.01% | Beats 77% | 77 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.62% | 76.63% | 87.92% | 95.36% | 64th pctl | 117 / 323 | ||
| Loans / Assets | 74.91% | 65.18% | 74.15% | 79.98% | 53rd pctl | 154 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||