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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | 1.66% | 0.36% | 0.79% | 0.17% | 0.06% | 0.13% | 0.29% | -50 bps | |
| Return on Equity | 5.72% | 29.04% | 5.84% | 11.99% | 2.25% | 0.77% | 1.61% | 3.62% | -837 bps | |
| Net Interest Margin | 2.62% | 2.63% | 2.64% | 2.84% | 2.86% | 2.85% | 2.71% | 2.99% | +14 bps | |
| Efficiency Ratio | 87.57% | 79.51% | 95.86% | 84.62% | 93.13% | 97.53% | 94.56% | 88.39% | +378 bps | |
| Non-Interest Burden | 2.26% | 2.04% | 2.52% | 2.37% | 2.65% | 2.77% | 2.55% | 2.61% | +24 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 | -0.17% | -0.10% | -0.08% | -2.69% | -0.22% | 0.01% | -0.06% | 0.38% | +307 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 | |