St. Landry Bank and Trust Company
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
$294.9MAssets
$82.9MLoans
$269.7MDeposits
$24.5MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 85% of banks under $1B in assets (rank 95 of 629).
- Widest gap: nonperforming loans / loans trails 94% of banks under $1B in assets (rank 550 of 581).
- Overall: at or above the peer median on 2 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $7.5M · efficiency ratio beats 11% of banks under $1B in assets | 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 |