South Louisiana Bank
Total assets
$659.8M
▼ -2.7% YoY
Deposits
$548.6M
▼ -0.9% YoY
Loans
$354.7M
▲ +1.5% YoY
Offices
10
SOUTH LOUISIANA FINANCIAL CORP
ROA (annualized)
1.80%
peers 1.28%
ROE (annualized)
12.10%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | South Louisiana Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.7% | +4.9% | -7.6 pts |
| Deposit growth (YoY) | -0.9% | +4.3% | -5.2 pts |
| Loan growth (YoY) | +1.5% | +5.3% | -3.9 pts |
| ROA | 1.80% | 1.28% | +0.5 pts |
| ROE | 12.1% | 12.4% | -0.3 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
Profile
- Established
- 1980
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- SOUTH LOUISIANA FINANCIAL CORP
- Specialization
- Commercial Lending Specialization
- Address
- 1362 W Tunnel Blvd, Houma, LA, 70360
- County
- Terrebonne
- Metro area
- Houma-Thibodaux, LA
- Offices
- 10
- FDIC cert #
- 23144
- RSSD ID
- 616036
- 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 | $659.8M | $548.6M | $354.7M | $101.3M | $6.0M | 1.80% | 4.70% | 0.25% |
| Q1 2026 | $675.5M | $566.3M | $354.5M | $98.6M | $2.7M | 1.59% | 4.61% | 0.26% |
| Q4 2025 | $656.9M | $550.4M | $357.7M | $96.7M | $10.2M | 1.51% | 4.55% | 0.26% |
| Q3 2025 | $657.0M | $547.5M | $353.7M | $99.3M | $7.5M | 1.47% | 4.49% | 0.20% |
| Q2 2025 | $678.4M | $553.6M | $349.5M | $95.7M | $4.8M | 1.39% | 4.34% | 0.26% |
| Q1 2025 | $700.4M | $568.0M | $341.9M | $92.6M | $2.6M | 1.49% | 4.28% | 0.31% |
| Q4 2024 | $673.5M | $556.2M | $335.6M | $88.4M | $9.4M | 1.38% | 4.12% | 0.31% |
| Q3 2024 | $693.3M | $571.3M | $328.4M | $92.0M | $6.5M | 1.26% | 4.02% | 0.33% |
Loan mix (Q2 2026): real estate $253.7M · commercial $101.9M · consumer $11.1M · securities $237.6M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | South Louisiana Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.80% | 1.28% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 12.4% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.70% | 3.89% | 88th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.4% | 61.2% | 44th | |
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 | South Louisiana 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% |
Capital
| Ratio | South Louisiana 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% |
Credit quality
| Ratio | South Louisiana 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% |
Franchise
| Ratio | South Louisiana Bank | 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.
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