Erath, LA · Cert 8532 · Bank of Erath Holding Co.
State charter, non-member · FDIC · 3 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 under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
60
Asset Quality
60
Profitability
29
Liquidity
0
Efficiency
11
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.
Erath, LA · Cert 8532 · Bank of Erath Holding Co.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Lafayette, LA · 2026 SOD (annual) · 0.7% share · #22 of 41 inst. · $0.1B of $12.2B
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 | 0.55% | 0.58% | 0.41% | 0.55% | 0.17% | 0.67% | 0.43% | 0.18% | -37 bps | |
| Return on Equity | 4.88% | 5.04% | 3.40% | 4.49% | 1.34% | 5.31% | 3.29% | 1.38% | -310 bps | |
| Net Interest Margin | 3.72% | 3.72% | 3.66% | 3.95% | 3.98% | 4.07% | 3.77% | 3.85% | -9 bps | |
| Efficiency Ratio | 82.80% | 82.65% | 87.59% | 83.95% | 93.34% | 81.50% | 87.34% | 92.59% | +864 bps | |
| Non-Interest Burden | 3.00% | 2.99% | 3.16% | 3.24% | 3.69% | 3.23% | 3.23% | 3.55% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.35% | -2.69% | -3.86% | -6.45% | -2.49% | -2.29% | -0.59% | -0.56% | +589 bps | |
| Loan Growth (YoY) | -7.30% | -7.53% | -8.47% | -8.40% | -6.00% | -15.91% | -21.85% | -22.69% | -1,429 bps | |
| Deposit Growth (YoY) | -1.43% | -0.39% | -1.95% | -5.03% | -3.26% | -3.90% | -1.70% | -1.24% | +379 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 4.47% | 4.67% | 4.65% | 4.19% | 2.71% | 0.39% | 0.22% | 1.42% | -277 bps | |
| Net Charge-Offs / Loans | 0.29% | 0.23% | 0.04% | 0.05% | 0.03% | 0.06% | 0.00% | -0.01% | -6 bps | |
| Allowance / Loans | 1.22% | 1.30% | 1.31% | 1.26% | 1.27% | 1.48% | 1.62% | 1.60% | +34 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.3x | 0.3x | 0.3x | 0.5x | 3.8x | 7.3x | 1.1x | +0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.81% | 13.56% | 13.62% | 14.33% | 14.13% | 14.25% | 14.28% | 14.39% | +6 bps | |
| Total Risk-Based Capital | 13.81% | 13.56% | 13.62% | 14.33% | 14.13% | 14.25% | 14.28% | 14.39% | +6 bps | |
| Equity / Assets | 12.40% | 11.73% | 12.35% | 13.03% | 13.03% | 13.15% | 13.22% | 13.55% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.47% | 56.88% | 57.63% | 61.57% | 60.70% | 49.77% | 45.81% | 48.19% | -1,337 bps | |
| Liquid Assets / Assets | 8.66% | 18.67% | 16.30% | 15.09% | 14.95% | 24.15% | 25.27% | 21.45% | +636 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 139.50% | 122.44% | 105.37% | n/a | n/a | |
Erath, LA · Cert 8532 · Peer group: banks under $1B in assets (n=581-629) · Bank of Erath Holding Co.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
0.19%
Rank 567 of 629
Net Interest Margin
3.85%
Rank 209 of 629
Efficiency Ratio
92.59%
Rank 563 of 629
Equity / Assets
13.55%
Rank 166 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.19% | 0.60% | 1.01% | 1.45% | Beats 10% | 567 / 629 | ||
| Return on Equity | 1.39% | 5.38% | 9.30% | 13.28% | Beats 10% | 565 / 629 | ||
| Net Interest Margin | 3.85% | 3.03% | 3.54% | 4.05% | Beats 67% | 209 / 629 | ||
| Efficiency Ratio | 92.59% | 58.35% | 67.79% | 79.08% | Beats 11% | 563 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.42% | 0.09% | 0.46% | 1.20% | Beats 20% | 466 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.39% | 11.24% | 13.84% | 18.77% | Beats 55% | 285 / 629 | ||
| Total Risk-Based Capital Ratio | 14.39% | 11.58% | 14.43% | 19.66% | Beats 50% | 317 / 629 | ||
| Equity / Assets | 13.55% | 9.09% | 10.65% | 13.80% | Beats 74% | 166 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 48.19% | 67.24% | 80.90% | 93.48% | 10th pctl | 535 / 594 | ||
| Loans / Assets | 41.29% | 53.31% | 67.71% | 78.15% | 15th pctl | 533 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||