b1BANK
Total assets
$8.89B
▲ +12.0% YoY
Deposits
$7.27B
▲ +13.0% YoY
Loans
$6.60B
▲ +10.2% YoY
Offices
60
BUSINESS FIRST BANCSHARES INC
ROA (annualized)
1.23%
peers 1.26%
ROE (annualized)
10.30%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | b1BANK | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.0% | +5.5% | +6.5 pts |
| Deposit growth (YoY) | +13.0% | +5.1% | +8.0 pts |
| Loan growth (YoY) | +10.2% | +5.9% | +4.3 pts |
| ROA | 1.23% | 1.26% | -0.0 pts |
| ROE | 10.3% | 12.2% | -1.9 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
Profile
- Established
- 2006
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- BUSINESS FIRST BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 500 Laurel St, Baton Rouge, LA, 70801
- County
- East Baton Rouge
- Metro area
- Baton Rouge, LA
- Offices
- 60
- FDIC cert #
- 58228
- RSSD ID
- 3408728
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $8.89B | $7.27B | $6.60B | $1.08B | $53.3M | 1.23% | 3.88% | 1.23% |
| Q1 2026 | $8.90B | $7.47B | $6.62B | $1.05B | $26.4M | 1.23% | 3.85% | 1.38% |
| Q4 2025 | $8.21B | $6.72B | $6.14B | $969.2M | $97.5M | 1.23% | 3.76% | 1.09% |
| Q3 2025 | $7.95B | $6.52B | $5.96B | $955.9M | $72.4M | 1.22% | 3.75% | 0.83% |
| Q2 2025 | $7.94B | $6.43B | $5.99B | $919.0M | $46.8M | 1.19% | 3.71% | 0.76% |
| Q1 2025 | $7.79B | $6.47B | $5.92B | $902.4M | $22.3M | 1.14% | 3.71% | 0.55% |
| Q4 2024 | $7.86B | $6.53B | $5.93B | $870.0M | $73.6M | 1.06% | 3.60% | 0.39% |
| Q3 2024 | $6.89B | $5.65B | $5.18B | $777.6M | $55.2M | 1.10% | 3.53% | 0.40% |
Loan mix (Q2 2026): real estate $4.60B · commercial $1.43B · consumer $57.4M · securities $1.04B
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | b1BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 1.26% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 12.2% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.70% | 61th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.4% | 59.0% | 54th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | b1BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | b1BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | b1BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | b1BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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