No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $51.8M | $45.0M | $33.9M | $5.6M | $290K | 1.15% | 5.05% | 0.36% |
| Q1 2026 | $49.6M | $44.0M | $29.5M | $5.4M | $129K | 1.04% | 5.07% | 0.00% |
| Q4 2025 | $50.0M | $44.6M | $24.9M | $5.3M | $301K | 0.61% | 4.75% | 0.00% |
| Q3 2025 | $47.9M | $42.4M | $27.7M | $5.3M | $196K | 0.54% | 4.74% | 1.71% |
| Q2 2025 | $46.5M | $41.3M | $24.9M | $5.1M | $138K | 0.56% | 4.79% | 0.77% |
| Q1 2025 | $50.5M | $45.5M | $23.4M | $4.9M | $93K | 0.74% | 4.88% | 0.35% |
| Q4 2024 | $50.0M | $45.2M | $22.0M | $4.7M | $447K | 0.91% | 4.51% | 0.36% |
| Q3 2024 | $46.8M | $41.7M | $26.5M | $5.0M | $248K | 0.68% | 4.58% | 0.38% |
Loan mix (Q2 2026): real estate $18.5M · commercial $4.5M · consumer $614K · securities $10.2M
| Ratio | The Mer Rouge State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 0.99% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 10.6% | 8.1% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.05% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.4% | 70.8% | 53rd |
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 | The Mer Rouge State 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 | The Mer Rouge State 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 | The Mer Rouge State 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 | The Mer Rouge State 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 | The Mer Rouge State 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.
1 branches in 1 county across 1 state (+0 vs 2024) · $41.3M branch deposits. Biggest market: Morehouse, LA, ranked 4th with 11.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Morehouse, LA | 1 | $41.3M | 11.45% | 4th |
Louisiana: 170th with 0.03% · Monroe metro: 22nd, 0.73% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1