Hodge Bank & 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.
Reserve coverage of non-performing loans dropped 8.77 percentage points in Q2 2026, from 88.65% to 79.88%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Hodge Bank & Trust Company ranks 2nd highest among the 103 banks headquartered in Louisiana, at 2.85% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Hodge Bank & Trust Company reported 2.85% on return on assets in Q2 2026, 1.60 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.16% |
| Equity capital to assets | 14.57% |
| Tangible equity to tangible assets | 14.57% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.91% |
| Non-performing assets ratio | 1.35% |
| Net charge-off ratio | 1.68% |
| Texas ratio | 8.65% |
| Allowance for credit losses to loans | 1.52% |
| Reserve coverage of non-performing loans | 79.88% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.85% |
| Return on equity | 19.45% |
| Net interest margin | 4.69% |
| Efficiency ratio | 42.08% |
| Yield on earning assets | 6.58% |
| Cost of funds | 2.23% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.18% |
| Core deposits to total deposits | 59.99% |
| Brokered deposits to total deposits | 7.81% |
| Deposits to assets | 84.85% |
| Securities to assets | 22.63% |
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 | 16.57% | 2.44% | 4.37% | 3.15% | 0.31% |
| Q4 2023 | 16.79% | 3.10% | 5.19% | 2.39% | -0.27% |
| Q1 2024 | 16.73% | 2.53% | 4.44% | 2.22% | 0.08% |
| Q2 2024 | 16.86% | 2.09% | 4.36% | 2.06% | -0.01% |
| Q3 2024 | 17.26% | 2.16% | 4.41% | 2.85% | 0.14% |
| Q4 2024 | 17.08% | 1.42% | 4.62% | 2.66% | -0.05% |
| Q1 2025 | 17.15% | 2.70% | 4.54% | 2.62% | 1.09% |
| Q2 2025 | 16.99% | 2.36% | 5.20% | 3.02% | -0.16% |
| Q3 2025 | 17.29% | 2.72% | 5.48% | 2.84% | -0.03% |
| Q4 2025 | 15.66% | 1.53% | 4.99% | 2.43% | 0.84% |
| Q1 2026 | 15.37% | 2.21% | 4.87% | 2.25% | 0.21% |
| Q2 2026 | 15.16% | 2.85% | 4.69% | 1.91% | 1.68% |
Hodge Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hodge Bank & 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 Hodge Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19354) · FFIEC NIC profile (RSSD 931355)