Basile State Bank: 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 Reserve coverage of non-performing loans: 8.07 percentage points higher than in Q1 2026, at 46.16%. Basile State Bank ranks 24th of 102 Louisiana banks on return on assets, in the upper half at 1.74% (Q2 2026). Basile State Bank's return on assets of 1.74% is well above the 1.00% median for banks in the < $100M asset tier, a gap of 0.74 points (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 | 10.09% |
| Equity capital to assets | 10.12% |
| Tangible equity to tangible assets | 10.12% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.21% |
| Non-performing assets ratio | 2.06% |
| Net charge-off ratio | -0.06% |
| Texas ratio | 18.76% |
| Allowance for credit losses to loans | 1.02% |
| Reserve coverage of non-performing loans | 46.16% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.74% |
| Return on equity | 17.31% |
| Net interest margin | 6.17% |
| Efficiency ratio | 68.32% |
| Yield on earning assets | 7.59% |
| Cost of funds | 1.45% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.29% |
| Core deposits to total deposits | 82.11% |
| Brokered deposits to total deposits | 0.32% |
| Deposits to assets | 89.22% |
| Securities to assets | 0.19% |
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 | 11.52% | 2.38% | 6.43% | 1.67% | 0.00% |
| Q4 2023 | 11.36% | 3.75% | 6.38% | 1.89% | 0.28% |
| Q1 2024 | 10.58% | 1.87% | 5.98% | 1.81% | 0.07% |
| Q2 2024 | 10.12% | 1.99% | 5.86% | 2.08% | 0.07% |
| Q3 2024 | 10.48% | 2.22% | 6.34% | 1.78% | 0.52% |
| Q4 2024 | 10.41% | 1.05% | 5.77% | 1.96% | 0.09% |
| Q1 2025 | 10.77% | 1.11% | 5.83% | 2.21% | -0.03% |
| Q2 2025 | 10.30% | 1.63% | 5.69% | 2.05% | -0.01% |
| Q3 2025 | 10.35% | 1.33% | 5.73% | 2.80% | 0.54% |
| Q4 2025 | 10.74% | 2.05% | 6.15% | 2.82% | -0.04% |
| Q1 2026 | 10.33% | 1.71% | 5.79% | 2.60% | 0.32% |
| Q2 2026 | 10.09% | 1.74% | 6.17% | 2.21% | -0.06% |
Basile State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Basile State Bank, 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 Basile State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17621) · FFIEC NIC profile (RSSD 188739)