Coushatta, LA · Cert 8531 · Coushatta Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Shreveport-Bossier City, LA · 2026 SOD (annual) · 0.3% share · #20 of 23 inst. · $0.0B of $9.6B
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 | 0.24% | 0.25% | 0.35% | 0.36% | 0.31% | 0.33% | 0.39% | 0.39% | +3 bps | |
| Return on Equity | 3.52% | 3.62% | 4.72% | 4.80% | 4.06% | 4.21% | 4.72% | 4.76% | -4 bps | |
| Net Interest Margin | 2.33% | 2.34% | 2.44% | 2.45% | 2.45% | 2.43% | 2.46% | 2.52% | +7 bps | |
| Efficiency Ratio | 88.35% | 87.51% | 83.57% | 81.33% | 83.80% | 83.24% | 80.27% | 79.98% | -135 bps | |
| Non-Interest Burden | 2.04% | 2.02% | 2.01% | 1.96% | 2.02% | 1.99% | 1.91% | 1.96% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.62% | 2.49% | 7.45% | 4.90% | 3.79% | 6.37% | 3.85% | 3.62% | -129 bps | |
| Loan Growth (YoY) | 14.82% | 7.60% | 10.15% | 6.21% | 2.82% | 4.95% | -0.99% | 2.15% | -406 bps | |
| Deposit Growth (YoY) | -2.51% | 5.85% | 6.71% | 7.66% | 6.59% | 5.42% | 3.13% | 3.52% | -414 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.54% | 1.66% | 1.76% | 1.71% | 5.96% | 1.07% | 7.08% | 6.52% | +482 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.11% | 0.05% | -0.03% | -0.03% | 0.29% | 0.15% | +9 bps | |
| Allowance / Loans | 1.35% | 1.46% | 1.39% | 1.38% | 1.42% | 1.47% | 1.48% | 1.41% | +3 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.9x | 0.8x | 0.8x | 0.2x | 1.4x | 0.2x | 0.2x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.68% | 9.70% | 9.13% | 9.37% | 9.59% | 9.55% | 9.03% | 9.23% | -14 bps | |
| Total Risk-Based Capital | 14.47% | 15.14% | 14.29% | 14.85% | 14.90% | 15.27% | 15.16% | 15.20% | +35 bps | |
| Equity / Assets | 7.82% | 7.25% | 7.45% | 7.86% | 8.44% | 8.33% | 8.09% | 8.21% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.55% | 57.03% | 56.25% | 60.38% | 61.31% | 56.77% | 54.00% | 59.58% | -80 bps | |
| Liquid Assets / Assets | 2.10% | 1.74% | 1.64% | 1.76% | 1.77% | 1.19% | 1.05% | 1.29% | -47 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 273% | 257% | 246% | n/a | n/a | |