Saint Joseph, LA · Cert 9322
FDIC · 9 branches
Q4 2025
Market Position · Monroe, LA · 2025 SOD (annual) · 4.4% share · #9 of 21 inst. · $0.3B of $5.8B
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 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.88% | 0.73% | 0.68% | 0.80% | 0.82% | -6 bps | |
| Return on Equity | 8.50% | 6.69% | 6.29% | 7.24% | 7.30% | -120 bps | |
| Net Interest Margin | 3.01% | 3.19% | 3.16% | 3.19% | 3.27% | +26 bps | |
| Efficiency Ratio | 71.93% | 71.71% | 73.91% | 71.67% | 72.60% | +67 bps | |
| Non-Interest Burden | 1.96% | 2.12% | 2.18% | 2.11% | 2.18% | +21 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.16% | 6.60% | 6.20% | 4.93% | 4.84% | +168 bps | |
| Loan Growth (YoY) | 11.98% | 13.91% | 16.15% | 13.48% | 12.61% | +63 bps | |
| Deposit Growth (YoY) | 5.63% | 7.30% | 1.90% | 1.15% | 0.00% | -563 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.04% | 1.03% | 0.93% | 0.90% | 0.72% | -33 bps | |
| Net Charge-Offs / Loans | -0.09% | 0.01% | 0.01% | 0.01% | 0.01% | +10 bps | |
| Allowance / Loans | 0.76% | 0.76% | 0.75% | 0.75% | 0.75% | -1 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.7x | 0.8x | 0.8x | 1.0x | +0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.21% | 12.88% | 12.93% | 13.16% | 13.49% | +28 bps | |
| Total Risk-Based Capital | 16.95% | 16.26% | 16.06% | 16.66% | 16.91% | -4 bps | |
| Equity / Assets | 10.80% | 10.93% | 10.85% | 11.53% | 11.94% | +114 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.61% | 79.50% | 84.22% | 83.40% | 82.90% | +929 bps | |
| Liquid Assets / Assets | 14.57% | 12.50% | 11.22% | 11.63% | 10.89% | -367 bps | |
| CRE / Total Capital | n/a | n/a | n/a | 266% | 269% | n/a | |