Bom 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 217.74 percentage points in Q2 2026, from 158.23% to 375.97%. It was the largest change from Q1 2026 among the key lines here. Bom Bank ranks 78th of 103 Louisiana banks on return on assets, in the lower half at 0.76% (Q2 2026). Bom Bank reported 0.76% on return on assets for Q2 2026, 0.51 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.64% |
| Equity capital to assets | 10.38% |
| Tangible equity to tangible assets | 10.24% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.20% |
| Non-performing assets ratio | 0.47% |
| Net charge-off ratio | 0.11% |
| Texas ratio | 8.91% |
| Allowance for credit losses to loans | 0.76% |
| Reserve coverage of non-performing loans | 375.97% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.76% |
| Return on equity | 7.19% |
| Net interest margin | 4.11% |
| Efficiency ratio | 72.77% |
| Yield on earning assets | 6.38% |
| Cost of funds | 2.37% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.30% |
| Core deposits to total deposits | 80.56% |
| Brokered deposits to total deposits | 17.53% |
| Deposits to assets | 86.04% |
| Securities to assets | 11.58% |
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 | 11.19% | 2.98% | 4.45% | 0.07% | 0.09% |
| Q4 2023 | 11.05% | 1.67% | 4.30% | 0.04% | 0.03% |
| Q1 2024 | 10.89% | 2.00% | 4.08% | 0.04% | 0.39% |
| Q2 2024 | 10.54% | 1.48% | 3.76% | 0.54% | 0.46% |
| Q3 2024 | 12.12% | 1.65% | 3.85% | 0.50% | 0.26% |
| Q4 2024 | 10.65% | 0.15% | 3.31% | 0.39% | 0.19% |
| Q1 2025 | 11.12% | 1.68% | 3.77% | 0.43% | 0.25% |
| Q2 2025 | 11.31% | 1.66% | 4.27% | 0.41% | 0.37% |
| Q3 2025 | 11.29% | 1.35% | 4.42% | 0.50% | 0.63% |
| Q4 2025 | 10.80% | 0.32% | 4.30% | 0.61% | 0.31% |
| Q1 2026 | 10.97% | 1.28% | 4.06% | 0.49% | 0.29% |
| Q2 2026 | 10.64% | 0.76% | 4.11% | 0.20% | 0.11% |
Bom Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bom 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 Bom Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1373) · FFIEC NIC profile (RSSD 684455)