| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +4.4% | +1.3 pts |
| Deposit growth (YoY) | +4.2% | +4.0% | +0.2 pts |
| Loan growth (YoY) | +9.0% | +5.6% | +3.4 pts |
| ROA | 1.87% | 1.24% | +0.6 pts |
| ROE | 18.9% | 11.9% | +7.0 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $474.0M | $413.7M | $414.9M | $49.1M | $4.5M | 1.87% | 6.14% | 1.75% |
| Q1 2026 | $473.5M | $418.0M | $407.4M | $46.7M | $2.0M | 1.68% | 5.94% | 1.76% |
| Q4 2025 | $480.3M | $426.1M | $413.8M | $45.5M | $8.0M | 1.76% | 5.99% | 1.76% |
| Q3 2025 | $453.2M | $400.7M | $385.7M | $43.6M | $5.4M | 1.61% | 5.92% | 1.90% |
| Q2 2025 | $448.6M | $397.2M | $380.6M | $42.9M | $3.4M | 1.53% | 5.82% | 1.87% |
| Q1 2025 | $449.2M | $400.0M | $383.2M | $41.4M | $1.7M | 1.48% | 5.65% | 1.88% |
| Q4 2024 | $446.4M | $397.6M | $390.3M | $41.1M | $6.6M | 1.46% | 5.00% | 2.18% |
| Q3 2024 | $451.1M | $400.2M | $391.6M | $42.6M | $3.6M | 1.06% | 4.82% | 2.15% |
Loan mix (Q2 2026): real estate $376.2M · commercial $41.8M · consumer $1.3M · securities $15.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Louisiana National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.87% | 1.24% | 83rd | |
Return on equity Annualized net income ÷ equity or net worth | 18.9% | 11.9% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.14% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.2% | 62.9% | 36th |
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 | Louisiana National Bank | 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 | Louisiana National Bank | 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 | Louisiana National Bank | 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 | Louisiana National Bank | 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 | Louisiana National Bank | 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.
9 branches in 5 counties across 1 state (+0 vs 2024) · $397.2M branch deposits. Biggest market: Lincoln, LA, ranked 4th with 5.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lincoln, LA | 4 | $137.5M | 5.64% | 4th |
| Bienville, LA | 1 | $112.7M | 36.11% | 2nd |
| Ouachita, LA | 2 | $59.8M | 1.41% | 15th |
| 2 more counties with Pro → | ||||
Louisiana: 58th with 0.27% · Monroe metro: 16th, 1.57% · Baton Rouge metro: 42nd, 0.19% ·
Branch count: 2022 9 · 2023 9 · 2024 9 · 2025 9