Catalyst 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: 5.03 percentage points higher than in Q1 2026, at 88.39%. Catalyst Bank ranks 69th of 102 Louisiana banks on return on assets, in the lower half at 0.90% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Catalyst Bank sits 0.35 points lower, at 0.90% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 43.37% |
| Tier 1 risk-based capital ratio | 43.37% |
| Total risk-based capital ratio | 44.62% |
| Tier 1 leverage ratio | 26.55% |
| Equity capital to assets | 26.00% |
| Tangible equity to tangible assets | 26.00% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.52% |
| Non-performing assets ratio | 0.86% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 3.03% |
| Allowance for credit losses to loans | 1.34% |
| Reserve coverage of non-performing loans | 88.39% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.90% |
| Return on equity | 3.52% |
| Net interest margin | 3.89% |
| Efficiency ratio | 76.14% |
| Yield on earning assets | 5.39% |
| Cost of funds | 1.87% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.93% |
| Core deposits to total deposits | 90.90% |
| Brokered deposits to total deposits | 3.40% |
| Deposits to assets | 70.14% |
| Securities to assets | 22.44% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 54.97% | 54.97% | 56.23% | 31.08% | 0.29% |
| Q4 2023 | 52.34% | 52.34% | 53.59% | 31.67% | 0.65% |
| Q1 2024 | 52.09% | 52.09% | 53.34% | 26.84% | -6.25% |
| Q2 2024 | 49.09% | 49.09% | 50.34% | 26.88% | 0.81% |
| Q3 2024 | 45.71% | 45.71% | 46.97% | 27.43% | 0.69% |
| Q4 2024 | 45.81% | 45.81% | 47.06% | 28.73% | 0.98% |
| Q1 2025 | 46.95% | 46.95% | 48.20% | 29.45% | 0.93% |
| Q2 2025 | 43.72% | 43.72% | 44.98% | 27.56% | 0.87% |
| Q3 2025 | 43.95% | 43.95% | 45.20% | 27.58% | 0.77% |
| Q4 2025 | 42.45% | 42.45% | 43.71% | 27.36% | 0.72% |
| Q1 2026 | 44.29% | 44.29% | 45.55% | 26.22% | 0.91% |
| Q2 2026 | 43.37% | 43.37% | 44.62% | 26.55% | 0.90% |
Catalyst Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Catalyst 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 Catalyst Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29804) · FFIEC NIC profile (RSSD 420578)