B1bank
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
$8.9BAssets
$6.7BLoans
$7.3BDeposits
$1.1BEquity
Executive Summary
- Strongest standing: equity / assets outperforms 77% of banks $1B-$10B in assets (rank 77 of 328).
- Widest gap: nonperforming loans / loans trails 80% of banks $1B-$10B in assets (rank 257 of 322).
- Overall: at or above the peer median on 2 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $170.8M · efficiency ratio beats 43% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |