Opelousas, LA · Cert 8534 · St Landry Bancshares Inc.
State charter, non-member · FDIC · 7 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
61
Asset Quality
10
Profitability
14
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.
Opelousas, LA · Cert 8534 · St Landry Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Lafayette, LA · 2026 SOD (annual) · 0.1% share · #39 of 41 inst. · $0.0B 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 | 0.37% | 0.69% | 0.36% | 0.58% | 0.44% | 0.35% | 0.13% | 0.21% | -37 bps | |
| Return on Equity | 8.46% | 14.73% | 5.84% | 8.98% | 6.55% | 4.97% | 1.61% | 2.61% | -637 bps | |
| Net Interest Margin | 2.60% | 2.60% | 2.64% | 2.72% | 2.78% | 2.77% | 2.71% | 2.85% | +13 bps | |
| Efficiency Ratio | 83.88% | 82.79% | 95.86% | 90.05% | 91.09% | 92.74% | 94.56% | 91.36% | +131 bps | |
| Non-Interest Burden | 2.14% | 2.11% | 2.52% | 2.42% | 2.51% | 2.55% | 2.55% | 2.58% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.49% | 3.37% | 1.06% | -0.73% | -1.25% | 1.90% | -0.22% | -0.09% | +64 bps | |
| Loan Growth (YoY) | 13.31% | 17.27% | 19.33% | 18.35% | 19.98% | 12.49% | 12.99% | 5.85% | -1,250 bps | |
| Deposit Growth (YoY) | 1.88% | 4.63% | 2.20% | 0.29% | 0.01% | -0.07% | -2.06% | -1.59% | -188 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.51% | 3.23% | 3.12% | 1.25% | 1.13% | 3.44% | 3.39% | 3.42% | +216 bps | |
| Net Charge-Offs / Loans | -0.19% | -0.16% | -0.08% | -1.38% | -0.96% | -0.74% | -0.06% | 0.16% | +154 bps | |
| Allowance / Loans | 4.93% | 3.23% | 2.83% | 2.76% | 2.70% | 2.79% | 2.73% | 2.58% | -18 bps | |
| Allowance Coverage of NPLs | 3.3x | 1.0x | 0.9x | 2.2x | 2.4x | 0.8x | 0.8x | 0.8x | -1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.77% | 11.26% | 11.29% | 11.36% | 11.52% | 11.36% | 11.07% | 11.20% | -16 bps | |
| Total Risk-Based Capital | 28.18% | 29.19% | 28.70% | 28.47% | 27.64% | 28.35% | 27.33% | 27.91% | -56 bps | |
| Equity / Assets | 5.35% | 6.06% | 6.26% | 6.96% | 7.73% | 7.85% | 7.92% | 8.30% | +133 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 25.71% | 25.57% | 25.88% | 28.57% | 30.84% | 28.78% | 29.85% | 30.73% | +216 bps | |
| Liquid Assets / Assets | 59.28% | 60.39% | 60.98% | 58.97% | 59.34% | 61.65% | 58.64% | 54.77% | -421 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 143.95% | 133.10% | 141.57% | n/a | n/a | |
Opelousas, LA · Cert 8534 · Peer group: banks under $1B in assets (n=581-629) · St Landry Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Return on Assets
0.21%
Rank 563 of 629
Net Interest Margin
2.85%
Rank 514 of 629
Efficiency Ratio
91.36%
Rank 559 of 629
Equity / Assets
8.30%
Rank 538 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.21% | 0.60% | 1.01% | 1.45% | Beats 10% | 563 / 629 | ||
| Return on Equity | 2.54% | 5.38% | 9.30% | 13.28% | Beats 14% | 541 / 629 | ||
| Net Interest Margin | 2.85% | 3.03% | 3.54% | 4.05% | Beats 18% | 514 / 629 | ||
| Efficiency Ratio | 91.36% | 58.35% | 67.79% | 79.08% | Beats 11% | 559 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.42% | 0.09% | 0.46% | 1.20% | Beats 6% | 550 / 581 | ||
| Net Charge-Offs / Loans | 0.13% | n/a | 0.01% | 0.06% | Beats 13% | 508 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 26.65% | 11.24% | 13.84% | 18.77% | Beats 85% | 95 / 629 | ||
| Total Risk-Based Capital Ratio | 27.91% | 11.58% | 14.43% | 19.66% | Beats 85% | 94 / 629 | ||
| Equity / Assets | 8.30% | 9.09% | 10.65% | 13.80% | Beats 14% | 538 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 30.73% | 67.24% | 80.90% | 93.48% | 4th pctl | 571 / 594 | ||
| Loans / Assets | 28.10% | 53.31% | 67.71% | 78.15% | 10th pctl | 565 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||