Winnfield, LA · Cert 9323 · Black Cat Financial Corp.
State charter, non-member · FDIC · 2 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
78
Asset Quality
40
Profitability
31
Liquidity
0
Efficiency
21
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.
Winnfield, LA · Cert 9323 · Black Cat Financial Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
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 | 0.77% | 0.79% | 0.51% | 0.67% | 0.75% | 0.77% | 0.46% | 0.58% | -8 bps | |
| Return on Equity | 8.49% | 8.76% | 5.57% | 7.13% | 7.70% | 7.67% | 4.15% | 5.25% | -189 bps | |
| Net Interest Margin | 3.24% | 3.23% | 3.24% | 3.27% | 3.41% | 3.42% | 3.34% | 3.43% | +16 bps | |
| Efficiency Ratio | 75.69% | 75.02% | 83.13% | 78.76% | 76.72% | 76.46% | 86.09% | 82.70% | +395 bps | |
| Non-Interest Burden | 2.25% | 2.22% | 2.55% | 2.40% | 2.42% | 2.41% | 2.76% | 2.69% | +29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.44% | -5.53% | 2.96% | 2.79% | -1.58% | 1.53% | -4.39% | -3.47% | -626 bps | |
| Loan Growth (YoY) | -2.02% | -2.10% | 6.84% | 6.10% | 2.64% | 1.66% | -1.41% | 6.94% | +84 bps | |
| Deposit Growth (YoY) | -3.67% | -6.22% | 2.57% | 2.21% | -2.42% | -0.65% | -6.37% | -5.32% | -754 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.49% | 0.56% | 0.06% | 0.32% | 0.04% | 0.57% | 0.52% | 0.67% | +34 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.16% | 0.01% | 0.11% | 0.09% | 0.07% | 0.06% | 0.04% | -7 bps | |
| Allowance / Loans | 1.61% | 1.41% | 1.40% | 1.39% | 1.42% | 1.40% | 1.39% | 1.29% | -10 bps | |
| Allowance Coverage of NPLs | 3.3x | 2.5x | 25.3x | 4.3x | 32.8x | 2.5x | 2.7x | 1.9x | -2.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.81% | 13.90% | 13.75% | 13.60% | 14.21% | 14.29% | 14.31% | 14.43% | +83 bps | |
| Total Risk-Based Capital | 33.35% | 32.63% | 31.82% | 32.50% | 33.33% | 32.08% | 34.01% | 32.16% | -34 bps | |
| Equity / Assets | 10.03% | 9.27% | 9.22% | 9.49% | 10.88% | 11.20% | 10.99% | 11.20% | +171 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 37.13% | 38.59% | 37.54% | 37.11% | 39.05% | 39.49% | 39.53% | 41.92% | +481 bps | |
| Liquid Assets / Assets | 21.10% | 18.24% | 22.28% | 22.72% | 19.52% | 19.96% | 21.15% | 17.72% | -500 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 20.81% | 19.04% | 13.90% | n/a | n/a | |
Winnfield, LA · Cert 9323 · Peer group: banks under $1B in assets (n=581-629) · Black Cat Financial Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
0.58%
Rank 481 of 629
Net Interest Margin
3.43%
Rank 347 of 629
Efficiency Ratio
82.70%
Rank 500 of 629
Equity / Assets
11.20%
Rank 272 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.58% | 0.60% | 1.01% | 1.45% | Beats 24% | 481 / 629 | ||
| Return on Equity | 5.18% | 5.38% | 9.30% | 13.28% | Beats 24% | 481 / 629 | ||
| Net Interest Margin | 3.43% | 3.03% | 3.54% | 4.05% | Beats 45% | 347 / 629 | ||
| Efficiency Ratio | 82.70% | 58.35% | 67.79% | 79.08% | Beats 21% | 500 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.67% | 0.09% | 0.46% | 1.20% | Beats 40% | 348 / 581 | ||
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 40% | 351 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 31.13% | 11.24% | 13.84% | 18.77% | Beats 88% | 77 / 629 | ||
| Total Risk-Based Capital Ratio | 32.16% | 11.58% | 14.43% | 19.66% | Beats 88% | 76 / 629 | ||
| Equity / Assets | 11.20% | 9.09% | 10.65% | 13.80% | Beats 57% | 272 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 41.92% | 67.24% | 80.90% | 93.48% | 7th pctl | 552 / 594 | ||
| Loans / Assets | 36.80% | 53.31% | 67.71% | 78.15% | 13th pctl | 546 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||