Gueydan, LA · Cert 8144 · Gueydan Bancshares Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
Market Position · Lafayette, LA · 2026 SOD (annual) · 0.4% share · #24 of 41 inst. · $0.1B 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.14% | -4.13% | 1.14% | 0.39% | 1.27% | 0.94% | 0.75% | 0.70% | +30 bps | |
| Return on Equity | -0.63% | -19.19% | 5.36% | 1.85% | 5.86% | 4.19% | 3.36% | 3.16% | +131 bps | |
| Net Interest Margin | 2.52% | 3.04% | 3.11% | 3.04% | 3.12% | 3.17% | 3.17% | 3.29% | +25 bps | |
| Efficiency Ratio | 76.49% | 38.70% | 66.39% | 87.88% | 61.94% | 13.27% | 62.75% | 62.36% | -2,553 bps | |
| Non-Interest Burden | 1.79% | 1.05% | 1.97% | 2.65% | 1.85% | 0.24% | 1.87% | 1.98% | -67 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.76% | -3.57% | -2.59% | -1.11% | -3.06% | -2.49% | -1.68% | -4.79% | -367 bps | |
| Loan Growth (YoY) | 16.61% | 17.01% | 11.15% | -1.31% | -1.56% | -7.80% | -17.79% | -11.19% | -988 bps | |
| Deposit Growth (YoY) | -5.92% | -2.83% | -2.51% | -0.63% | -2.76% | -3.91% | -2.17% | -5.99% | -537 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 10.67% | 10.30% | 7.61% | 7.64% | 6.36% | 6.88% | 8.15% | 6.77% | -87 bps | |
| Net Charge-Offs / Loans | 0.85% | 10.80% | 0.99% | -0.11% | 7.24% | 2.91% | 0.09% | 2.59% | +270 bps | |
| Allowance / Loans | 3.01% | 5.46% | 5.36% | 5.51% | 3.58% | 3.66% | 4.54% | 3.99% | -152 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.5x | 0.7x | 0.7x | 0.6x | 0.5x | 0.6x | 0.6x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 21.72% | 21.02% | 21.49% | 21.30% | 21.80% | 22.14% | 21.93% | 22.11% | +81 bps | |
| Total Risk-Based Capital | 21.72% | 21.02% | 21.49% | 21.30% | 21.80% | 22.14% | 21.93% | 22.11% | +81 bps | |
| Equity / Assets | 21.74% | 21.24% | 21.26% | 21.22% | 22.04% | 22.84% | 21.67% | 22.40% | +117 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 46.73% | 48.34% | 46.22% | 44.87% | 47.30% | 46.39% | 38.84% | 42.39% | -248 bps | |
| Liquid Assets / Assets | 60.16% | 56.85% | 56.01% | 55.41% | 54.35% | 56.66% | 54.23% | 60.93% | +551 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 13.52% | 13.39% | 13.30% | n/a | n/a | |