Bank of Erath
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
$105.3MAssets
$43.5MLoans
$90.2MDeposits
$14.3MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
- Widest gap: return on equity trails 90% of banks under $1B in assets (rank 565 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $3.8M · efficiency ratio beats 11% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |