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 | |