The Evangeline Bank and Trust Company: 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: 5.48 percentage points higher than in Q1 2026, at 114.11%. The Evangeline Bank and Trust Company ranks 40th of 103 Louisiana banks on return on assets, in the upper half at 1.51% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. The Evangeline Bank and Trust Company sits 0.24 points higher, at 1.51% (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 | 14.22% |
| Equity capital to assets | 14.33% |
| Tangible equity to tangible assets | 14.33% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.22% |
| Non-performing assets ratio | 1.05% |
| Net charge-off ratio | 0.10% |
| Texas ratio | 6.93% |
| Allowance for credit losses to loans | 1.39% |
| Reserve coverage of non-performing loans | 114.11% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.51% |
| Return on equity | 10.81% |
| Net interest margin | 4.45% |
| Efficiency ratio | 56.20% |
| Yield on earning assets | 6.48% |
| Cost of funds | 2.32% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 104.42% |
| Core deposits to total deposits | 75.55% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 79.96% |
| Securities to assets | 10.43% |
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 | 13.61% | 1.64% | 4.20% | 0.96% | 0.01% |
| Q4 2023 | 13.34% | 1.01% | 4.21% | 0.93% | -0.03% |
| Q1 2024 | 13.41% | 1.48% | 4.10% | 1.06% | 0.16% |
| Q2 2024 | 13.56% | 1.32% | 4.13% | 1.43% | 0.04% |
| Q3 2024 | 13.70% | 1.34% | 4.17% | 1.42% | -0.04% |
| Q4 2024 | 13.26% | 1.17% | 4.12% | 1.58% | 0.07% |
| Q1 2025 | 13.17% | 1.41% | 4.01% | 1.65% | -0.02% |
| Q2 2025 | 13.41% | 1.55% | 4.17% | 1.44% | 0.46% |
| Q3 2025 | 13.65% | 1.48% | 4.34% | 2.18% | 0.19% |
| Q4 2025 | 13.42% | 1.74% | 4.27% | 1.23% | 0.44% |
| Q1 2026 | 13.94% | 2.06% | 4.28% | 1.30% | 0.01% |
| Q2 2026 | 14.22% | 1.51% | 4.45% | 1.22% | 0.10% |
The Evangeline Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Evangeline Bank and Trust Company, 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 The Evangeline Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12611) · FFIEC NIC profile (RSSD 372538)