| Metric | Bank of Gueydan | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.8% | +3.0% | -7.8 pts |
| Deposit growth (YoY) | -6.0% | +2.5% | -8.5 pts |
| Loan growth (YoY) | -9.8% | +2.6% | -12.4 pts |
| ROA | 0.72% | 0.99% | -0.3 pts |
| ROE | 3.3% | 8.1% | -4.8 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $69.2M | $53.1M | $21.6M | $15.5M | $253K | 0.72% | 3.38% | 2.20% |
| Q1 2026 | $71.0M | $55.0M | $20.4M | $15.4M | $131K | 0.75% | 3.30% | 2.45% |
| Q4 2025 | $69.3M | $53.0M | $23.7M | $15.8M | $668K | 0.94% | 3.27% | 2.44% |
| Q3 2025 | $71.1M | $54.8M | $25.0M | $15.7M | $503K | 0.93% | 3.23% | 2.32% |
| Q2 2025 | $72.7M | $56.5M | $24.0M | $15.4M | $275K | 0.76% | 3.21% | 2.67% |
| Q1 2025 | $72.2M | $56.2M | $24.6M | $15.3M | $204K | 1.14% | 3.22% | 2.74% |
| Q4 2024 | $71.1M | $55.2M | $25.2M | $15.1M | $-595K | -0.81% | 2.83% | 3.86% |
| Q3 2024 | $73.4M | $56.3M | $25.5M | $15.9M | $150K | 0.27% | 2.72% | 3.83% |
Loan mix (Q2 2026): real estate $8.4M · commercial $5.5M · consumer $4.8M · securities $44.2M
| Ratio | Bank of Gueydan | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 0.99% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 8.1% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.6% | 70.8% | 31st |
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 Gueydan | 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 Gueydan | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Bank of Gueydan | 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 Gueydan | 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 Gueydan | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025) · $53.1M branch deposits. Biggest market: Vermilion, LA, ranked 7th with 4.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Vermilion, LA | 1 | $53.1M | 4.83% | 7th |
Louisiana: 157th with 0.03% · Lafayette metro: 28th, 0.41% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend in line with peers (21 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).