| Metric | Bank of Louisiana | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.7% | +4.4% | +7.3 pts |
| Deposit growth (YoY) | +3.3% | +4.0% | -0.7 pts |
| Loan growth (YoY) | +25.0% | +5.6% | +19.4 pts |
| ROA | 16.12% | 1.24% | +14.9 pts |
| ROE | 122.6% | 11.9% | +110.8 pts |
ROA ranks in the 100th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $110.3M | $89.0M | $64.1M | $19.2M | $8.5M | 16.12% | 5.18% | 2.99% |
| Q1 2026 | $103.8M | $91.0M | $63.2M | $11.2M | $24K | 0.09% | 5.22% | 4.07% |
| Q4 2025 | $102.1M | $89.2M | $62.0M | $11.2M | $413K | 0.42% | 5.29% | 2.63% |
| Q3 2025 | $99.6M | $87.0M | $60.0M | $11.2M | $439K | 0.60% | 5.20% | 2.37% |
| Q2 2025 | $98.7M | $86.2M | $51.3M | $11.2M | $450K | 0.92% | 5.20% | 3.26% |
| Q1 2025 | $99.0M | $86.1M | $50.5M | $11.2M | $470K | 1.94% | 5.00% | 4.49% |
| Q4 2024 | $94.7M | $82.3M | $48.7M | $10.7M | $388K | 0.43% | 5.50% | 4.91% |
| Q3 2024 | $91.6M | $78.6M | $47.3M | $11.4M | $1.0M | 1.56% | 5.68% | 2.53% |
Loan mix (Q2 2026): real estate $62.8M · commercial $2.2M · consumer $880K · securities $11.5M
| Ratio | Bank of Louisiana | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 16.12% | 1.24% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 122.6% | 11.9% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.18% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 20.1% | 62.9% | 0th |
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 Louisiana | 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 Louisiana | 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 Louisiana | 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 Louisiana | 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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