Bank of Abbeville & Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 1.71 percentage points higher than in Q1 2026, at 60.21%. Within Louisiana, Bank of Abbeville & Trust Company is 49th of 103 on return on assets, 1.31% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Bank of Abbeville & Trust Company sits 0.06 points higher, at 1.31% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.92% |
| Equity capital to assets | 11.62% |
| Tangible equity to tangible assets | 11.62% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.19% |
| Non-performing assets ratio | 0.15% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 11.82% |
| Allowance for credit losses to loans | 1.38% |
| Reserve coverage of non-performing loans | 742.50% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.31% |
| Return on equity | 11.49% |
| Net interest margin | 3.72% |
| Efficiency ratio | 63.65% |
| Yield on earning assets | 5.03% |
| Cost of funds | 1.40% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 60.21% |
| Core deposits to total deposits | 91.30% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.35% |
| Securities to assets | 34.69% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 15.40% | 1.33% | 3.68% | 0.22% | -0.01% |
| Q4 2023 | 15.55% | 0.61% | 3.70% | 0.22% | -0.01% |
| Q1 2024 | 14.79% | 1.20% | 3.62% | 0.22% | -0.01% |
| Q2 2024 | 14.95% | 1.23% | 3.73% | 0.22% | 0.01% |
| Q3 2024 | 14.54% | 1.15% | 3.74% | 2.56% | -0.01% |
| Q4 2024 | 14.31% | 1.33% | 3.75% | 0.03% | 0.07% |
| Q1 2025 | 14.10% | 1.17% | 3.52% | 0.03% | -0.03% |
| Q2 2025 | 13.98% | 1.25% | 3.67% | 2.45% | -0.01% |
| Q3 2025 | 13.33% | 1.13% | 3.58% | 2.43% | 0.13% |
| Q4 2025 | 12.81% | 1.42% | 3.62% | 2.27% | -0.04% |
| Q1 2026 | 12.51% | 0.97% | 3.49% | 0.00% | -0.01% |
| Q2 2026 | 12.92% | 1.31% | 3.72% | 0.19% | 0.01% |
Bank of Abbeville & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Abbeville & Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Abbeville & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11782) · FFIEC NIC profile (RSSD 213538)