Winnfield, LA · Cert 9323 · Black Cat Financial Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
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 | 0.91% | 0.87% | 0.51% | 0.81% | 0.90% | 0.82% | 0.46% | 0.71% | -10 bps | |
| Return on Equity | 9.70% | 9.01% | 5.57% | 8.64% | 8.85% | 7.45% | 4.15% | 6.40% | -224 bps | |
| Net Interest Margin | 3.31% | 3.23% | 3.24% | 3.38% | 3.49% | 3.40% | 3.34% | 3.52% | +15 bps | |
| Efficiency Ratio | 71.69% | 73.03% | 83.13% | 74.60% | 72.84% | 75.65% | 86.09% | 79.47% | +487 bps | |
| Non-Interest Burden | 2.14% | 2.13% | 2.55% | 2.31% | 2.29% | 2.36% | 2.76% | 2.63% | +31 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% | 0.68% | 0.01% | 0.21% | 0.05% | 0.02% | 0.06% | 0.02% | -19 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 | |