St. Landry Bank and Trust Company
Total assets
$294.9M
▼ -0.1% YoY
Deposits
$269.7M
▼ -1.6% YoY
Loans
$80.7M
▲ +6.0% YoY
Offices
8
ST LANDRY BANCSHARES INC
ROA (annualized)
0.27%
peers 1.24%
ROE (annualized)
3.33%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +4.4% | -4.5 pts |
| Deposit growth (YoY) | -1.6% | +4.0% | -5.5 pts |
| Loan growth (YoY) | +6.0% | +5.6% | +0.5 pts |
| ROA | 0.27% | 1.24% | -1.0 pts |
| ROE | 3.3% | 11.9% | -8.5 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
Profile
- Established
- 1931
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- ST LANDRY BANCSHARES INC
- Specialization
- Other Specialized Under 1 Billion
- Address
- 132 E Landry St, Opelousas, LA, 70570
- County
- St. Landry
- Metro area
- Opelousas, LA
- Offices
- 8
- FDIC cert #
- 8534
- RSSD ID
- 885430
- 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 | $294.9M | $269.7M | $80.7M | $24.5M | $396K | 0.27% | 2.91% | 0.96% |
| Q1 2026 | $296.3M | $272.0M | $79.0M | $23.5M | $120K | 0.16% | 2.76% | 0.97% |
| Q4 2025 | $298.6M | $274.6M | $76.8M | $23.4M | $1.3M | 0.44% | 2.85% | 0.96% |
| Q3 2025 | $287.8M | $264.7M | $79.4M | $22.2M | $1.2M | 0.56% | 2.84% | 0.37% |
| Q2 2025 | $295.2M | $274.0M | $76.1M | $20.5M | $1.1M | 0.73% | 2.78% | 0.38% |
| Q1 2025 | $297.0M | $277.7M | $69.8M | $18.6M | $337K | 0.46% | 2.65% | 0.80% |
| Q4 2024 | $293.1M | $274.8M | $68.0M | $17.8M | $2.6M | 0.87% | 2.70% | 0.82% |
| Q3 2024 | $291.4M | $264.7M | $64.7M | $15.6M | $1.0M | 0.47% | 2.69% | 0.40% |
Loan mix (Q2 2026): real estate $60.3M · commercial $10.5M · consumer $11.2M · securities $177.9M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.27% | 1.24% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 11.9% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.91% | 3.96% | 8th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.4% | 62.9% | 95th | |
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 | Value | 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 | Value | 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 | Value | 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 | Value | 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.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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