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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.70% | -0.63% | 2.20% | 0.43% | -0.07% | -77 bps | |
| Return on Equity | 5.54% | -4.80% | 16.82% | 3.29% | -0.53% | -607 bps | |
| Net Interest Margin | 4.07% | 4.08% | 4.49% | 3.77% | 3.90% | -17 bps | |
| Efficiency Ratio | 80.53% | 111.41% | 49.89% | 87.34% | 98.16% | +1,763 bps | |
| Non-Interest Burden | 3.19% | 4.60% | 2.01% | 3.23% | 3.82% | +64 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.45% | -2.49% | -2.29% | -0.59% | -0.56% | +589 bps | |
| Loan Growth (YoY) | -8.40% | -6.00% | -15.91% | -21.85% | -22.69% | -1,429 bps | |
| Deposit Growth (YoY) | -5.03% | -3.26% | -3.90% | -1.70% | -1.24% | +379 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 4.19% | 2.71% | 0.39% | 0.22% | 1.42% | -277 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.00% | 0.13% | 0.00% | -0.03% | -9 bps | |
| Allowance / Loans | 1.26% | 1.27% | 1.48% | 1.62% | 1.60% | +34 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.5x | 3.8x | 7.3x | 1.1x | +0.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.33% | 14.13% | 14.25% | 14.28% | 14.39% | +6 bps | |
| Total Risk-Based Capital | 14.33% | 14.13% | 14.25% | 14.28% | 14.39% | +6 bps | |
| Equity / Assets | 13.03% | 13.03% | 13.15% | 13.22% | 13.55% | +51 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 61.57% | 60.70% | 49.77% | 45.81% | 48.19% | -1,337 bps | |
| Liquid Assets / Assets | 15.09% | 14.95% | 24.15% | 25.27% | 21.45% | +636 bps | |
| CRE / Total Capital | n/a | 139.50% | 122.44% | 105.37% | n/a | n/a | |