Breaux Bridge, LA · Cert 9327
State charter, non-member · 6 branches
Q1 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2026, the quarter ended March 31, 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=557 to 606). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
46
Asset Quality
21
Profitability
64
Liquidity
87
Efficiency
52
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.
Breaux Bridge, LA · Cert 9327
State charter, non-member · 6 branches
Q1 2026
Market Position · Lafayette, LA · 2025 SOD (annual) · 2.8% share · #9 of 40 inst. · $0.3B of $11.8B
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 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.38% | 1.44% | 1.42% | 1.50% | 1.49% | 1.49% | 1.50% | 1.20% | -30 bps | |
| Return on Equity | 12.94% | 13.02% | 12.76% | 12.69% | 12.41% | 12.05% | 12.05% | 9.64% | -304 bps | |
| Net Interest Margin | 3.85% | 3.86% | 3.84% | 3.78% | 3.83% | 3.98% | 4.01% | 4.02% | +24 bps | |
| Efficiency Ratio | 61.05% | 59.66% | 60.56% | 57.85% | 59.03% | 59.54% | 59.34% | 67.42% | +957 bps | |
| Non-Interest Burden | 2.13% | 2.06% | 2.08% | 1.93% | 2.01% | 2.11% | 2.12% | 2.51% | +58 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.02% | -0.54% | 0.31% | 1.92% | 0.52% | 0.96% | 4.59% | -1.39% | -331 bps | |
| Loan Growth (YoY) | 0.60% | 0.26% | -0.10% | 2.98% | -1.83% | -1.51% | -1.64% | -3.97% | -695 bps | |
| Deposit Growth (YoY) | -2.24% | -4.01% | -0.06% | 0.62% | -1.56% | -0.38% | 3.55% | -1.15% | -177 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.56% | 0.94% | 0.96% | 0.95% | 0.93% | 1.03% | 0.64% | 1.12% | +17 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.03% | 0.04% | -0.01% | 0.04% | 0.04% | 0.11% | 0.10% | +11 bps | |
| Allowance / Loans | 1.43% | 1.44% | 1.45% | 1.42% | 1.44% | 1.44% | 1.38% | 1.37% | -6 bps | |
| Allowance Coverage of NPLs | 2.6x | 1.5x | 1.5x | 1.5x | 1.6x | 1.4x | 2.2x | 1.2x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.65% | 13.03% | 12.94% | 13.28% | 13.23% | 13.99% | 13.99% | 12.41% | -87 bps | |
| Total Risk-Based Capital | 40.06% | 13.03% | 12.94% | 13.28% | 13.23% | 13.99% | 13.99% | 12.41% | -87 bps | |
| Equity / Assets | 10.88% | 12.05% | 11.57% | 12.02% | 12.51% | 13.17% | 12.96% | 11.91% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.80% | 78.32% | 76.46% | 76.86% | 76.59% | 77.43% | 72.63% | 74.66% | -219 bps | |
| Liquid Assets / Assets | 6.17% | 6.00% | 7.58% | 7.35% | 8.38% | 7.57% | 12.60% | 0.03% | -732 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | 253% | 252% | 282% | n/a | |
Breaux Bridge, LA · Cert 9327 · Peer group: banks under $1B in assets (n=557-606)
State charter, non-member · 6 branches
Q1 2026
Return on Assets
1.23%
Rank 220 of 604
Net Interest Margin
4.02%
Rank 162 of 604
Efficiency Ratio
67.42%
Rank 292 of 603
Equity / Assets
11.91%
Rank 207 of 604
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.23% | 0.58% | 1.00% | 1.47% | Beats 64% | 220 / 604 | ||
| Return on Equity | 10.29% | 5.38% | 9.60% | 13.62% | Beats 55% | 272 / 604 | ||
| Net Interest Margin | 4.02% | 3.01% | 3.52% | 4.07% | Beats 73% | 162 / 604 | ||
| Efficiency Ratio | 67.42% | 58.15% | 68.01% | 80.27% | Beats 52% | 292 / 603 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.12% | 0.08% | 0.39% | 1.12% | Beats 25% | 418 / 558 | ||
| Net Charge-Offs / Loans | 0.04% | n/a | 0.00% | 0.02% | Beats 16% | 471 / 557 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.41% | 11.15% | 13.69% | 18.60% | Beats 38% | 372 / 604 | ||
| Total Risk-Based Capital Ratio | 12.41% | 11.56% | 14.21% | 19.70% | Beats 33% | 407 / 604 | ||
| Equity / Assets | 11.91% | 8.81% | 10.34% | 13.22% | Beats 66% | 207 / 604 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.66% | 63.31% | 78.59% | 92.04% | 42nd pctl | 331 / 570 | ||
| Loans / Assets | 54.97% | 50.80% | 66.73% | 77.27% | 30th pctl | 423 / 606 | ||
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 3.83% | Beats 100% | 331 / 568 | ||