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 | |