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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 1.00% | 1.14% | 1.25% | 1.29% | 1.24% | 1.23% | 1.21% | -4 bps | |
| Return on Equity | 10.45% | 8.93% | 10.06% | 10.77% | 10.91% | 10.44% | 10.46% | 10.07% | -70 bps | |
| Net Interest Margin | 3.41% | 3.51% | 3.50% | 3.53% | 3.61% | 3.64% | 3.50% | 3.64% | +11 bps | |
| Efficiency Ratio | 60.18% | 60.75% | 60.55% | 59.12% | 56.60% | 58.85% | 60.06% | 60.67% | +155 bps | |
| Non-Interest Burden | 1.79% | 1.89% | 1.86% | 1.77% | 1.77% | 1.89% | 1.86% | 1.97% | +20 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 | 0.09% | 0.11% | 0.07% | 0.05% | 0.20% | 0.44% | 0.06% | 0.18% | +12 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 | |