Beauregard Federal Savings 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.
Reserve coverage of non-performing loans climbed 6.38 percentage points in Q2 2026, from 56.78% to 63.16%. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, Beauregard Federal Savings Bank is 63rd of 103 on return on assets, 1.06% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Beauregard Federal Savings Bank sits 0.19 points lower, at 1.06% (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 | 9.70% |
| Equity capital to assets | 11.38% |
| Tangible equity to tangible assets | 9.58% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.28% |
| Non-performing assets ratio | 1.11% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 27.33% |
| Allowance for credit losses to loans | 0.81% |
| Reserve coverage of non-performing loans | 63.16% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.06% |
| Return on equity | 9.21% |
| Net interest margin | 4.74% |
| Efficiency ratio | 69.36% |
| Yield on earning assets | 6.90% |
| Cost of funds | 2.36% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.92% |
| Core deposits to total deposits | 83.70% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 79.79% |
| Securities to assets | 13.24% |
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 | 10.60% | 0.65% | 6.85% | 4.03% | 0.08% |
| Q4 2023 | 10.08% | -10.13% | 21.26% | 4.90% | 0.03% |
| Q1 2024 | 10.70% | 0.54% | 4.93% | 4.41% | 0.13% |
| Q2 2024 | 11.09% | 1.07% | 4.99% | 3.61% | 0.33% |
| Q3 2024 | 10.91% | 1.14% | 4.99% | 3.83% | -0.06% |
| Q4 2024 | 11.13% | 0.96% | 5.22% | 2.80% | 0.82% |
| Q1 2025 | 11.15% | 0.48% | 4.65% | 3.30% | 0.00% |
| Q2 2025 | 10.95% | 0.50% | 4.88% | 2.84% | 0.21% |
| Q3 2025 | 9.95% | 0.57% | 4.47% | 3.54% | 1.07% |
| Q4 2025 | 10.04% | 1.53% | 5.28% | 1.79% | 0.19% |
| Q1 2026 | 9.77% | 1.21% | 4.96% | 1.39% | 0.00% |
| Q2 2026 | 9.70% | 1.06% | 4.74% | 1.28% | 0.06% |
Beauregard Federal Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Beauregard Federal Savings 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 Beauregard Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30339) · FFIEC NIC profile (RSSD 123374)