| Metric | Bank of Coushatta | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +4.4% | -0.7 pts |
| Deposit growth (YoY) | +3.5% | +4.0% | -0.4 pts |
| Loan growth (YoY) | +2.1% | +5.6% | -3.5 pts |
| ROA | 0.50% | 1.24% | -0.7 pts |
| ROE | 6.1% | 11.9% | -5.8 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $317.1M | $244.7M | $143.7M | $26.0M | $796K | 0.50% | 2.66% | 3.03% |
| Q1 2026 | $324.4M | $251.5M | $133.8M | $26.2M | $396K | 0.49% | 2.62% | 3.01% |
| Q4 2025 | $318.1M | $245.2M | $137.2M | $26.5M | $1.3M | 0.42% | 2.56% | 0.81% |
| Q3 2025 | $306.0M | $234.0M | $141.4M | $25.8M | $919K | 0.40% | 2.57% | 2.81% |
| Q2 2025 | $306.0M | $236.3M | $140.7M | $24.0M | $702K | 0.46% | 2.62% | 0.82% |
| Q1 2025 | $312.4M | $243.8M | $135.3M | $23.3M | $337K | 0.44% | 2.66% | 0.78% |
| Q4 2024 | $299.0M | $232.6M | $130.7M | $21.7M | $923K | 0.31% | 2.51% | 0.75% |
| Q3 2024 | $294.8M | $219.6M | $137.7M | $23.1M | $661K | 0.30% | 2.51% | 0.74% |
Loan mix (Q2 2026): real estate $137.3M · commercial $6.1M · consumer $2.4M · securities $141.1M
| Ratio | Bank of Coushatta | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 1.24% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 11.9% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.66% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.0% | 62.9% | 85th |
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% |
| Ratio | Bank of Coushatta | 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% |
| Ratio | Bank of Coushatta | 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% |
| Ratio | Bank of Coushatta | 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% |
| Ratio | Bank of Coushatta | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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