Eureka Homestead: 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: 7.58 percentage points higher than in Q1 2026, at 130.22%. Eureka Homestead has the 3rd lowest return on assets of the 103 banks headquartered in Louisiana, at -0.74% as of Q2 2026. Against a median of 0.98% for banks in the < $100M asset tier, Eureka Homestead reported -0.74% on return on assets in Q2 2026, 1.72 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 40.92% |
| Tier 1 risk-based capital ratio | 40.92% |
| Total risk-based capital ratio | 42.17% |
| Tier 1 leverage ratio | 21.12% |
| Equity capital to assets | 20.57% |
| Tangible equity to tangible assets | 20.57% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.48% |
| Non-performing assets ratio | 0.40% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.87% |
| Allowance for credit losses to loans | 1.06% |
| Reserve coverage of non-performing loans | 222.84% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.74% |
| Return on equity | -3.49% |
| Net interest margin | 1.26% |
| Efficiency ratio | 165.06% |
| Yield on earning assets | 4.11% |
| Cost of funds | 3.45% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 130.22% |
| Core deposits to total deposits | 79.63% |
| Brokered deposits to total deposits | 13.35% |
| Deposits to assets | 64.64% |
| Securities to assets | 2.00% |
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 | 37.91% | 37.91% | 39.16% | 18.78% | 0.40% |
| Q4 2023 | 37.40% | 37.40% | 38.65% | 18.33% | 0.16% |
| Q1 2024 | 37.25% | 37.25% | 38.51% | 18.24% | 0.27% |
| Q2 2024 | 37.09% | 37.09% | 38.34% | 18.37% | 0.13% |
| Q3 2024 | 37.66% | 37.66% | 38.91% | 19.11% | 0.05% |
| Q4 2024 | 38.51% | 38.51% | 39.76% | 19.14% | -0.21% |
| Q1 2025 | 39.02% | 39.02% | 40.28% | 19.66% | -0.58% |
| Q2 2025 | 38.89% | 38.89% | 40.14% | 20.47% | -0.64% |
| Q3 2025 | 39.37% | 39.37% | 40.63% | 20.63% | -0.60% |
| Q4 2025 | 39.98% | 39.98% | 41.23% | 20.69% | -0.39% |
| Q1 2026 | 40.11% | 40.11% | 41.36% | 20.69% | -0.35% |
| Q2 2026 | 40.92% | 40.92% | 42.17% | 21.12% | -0.74% |
Eureka Homestead vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Eureka Homestead, 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 Eureka Homestead profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29268) · FFIEC NIC profile (RSSD 794475)