Mutual Savings and Loan Association: 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: 131.91 percentage points higher than in Q1 2026, at 272.06%. Mutual Savings and Loan Association has the 4th lowest return on assets of the 103 banks headquartered in Louisiana, at -0.63% as of Q2 2026. Mutual Savings and Loan Association's return on assets of -0.63% is well below the 0.98% median for banks in the < $100M asset tier, a gap of 1.61 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 98.90% |
| Tier 1 risk-based capital ratio | 98.90% |
| Total risk-based capital ratio | 99.97% |
| Tier 1 leverage ratio | 47.17% |
| Equity capital to assets | 47.64% |
| Tangible equity to tangible assets | 47.64% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.22% |
| Non-performing assets ratio | 0.19% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.39% |
| Allowance for credit losses to loans | 0.61% |
| Reserve coverage of non-performing loans | 272.06% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.63% |
| Return on equity | -1.33% |
| Net interest margin | 3.88% |
| Efficiency ratio | 116.62% |
| Yield on earning assets | 4.47% |
| Cost of funds | 1.05% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 161.84% |
| Core deposits to total deposits | 90.48% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 52.05% |
| Securities to assets | — |
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 | 72.31% | 72.31% | 73.35% | 37.70% | 0.16% |
| Q4 2023 | 73.03% | 73.03% | 74.08% | 38.42% | 0.07% |
| Q1 2024 | 71.53% | 71.53% | 72.55% | 39.12% | -0.20% |
| Q2 2024 | 72.59% | 72.59% | 73.63% | 38.92% | -0.07% |
| Q3 2024 | 72.61% | 72.61% | 73.57% | 38.98% | -0.39% |
| Q4 2024 | 73.80% | 73.80% | 74.78% | 37.80% | -0.45% |
| Q1 2025 | 97.69% | 97.69% | 98.74% | 42.04% | -0.29% |
| Q2 2025 | 97.21% | 97.21% | 98.25% | 46.10% | -0.39% |
| Q3 2025 | 96.40% | 96.40% | 97.43% | 47.49% | -0.48% |
| Q4 2025 | 97.62% | 97.62% | 98.67% | 46.48% | -0.52% |
| Q1 2026 | 98.44% | 98.44% | 99.50% | 46.00% | -0.71% |
| Q2 2026 | 98.90% | 98.90% | 99.97% | 47.17% | -0.63% |
Mutual Savings and Loan Association vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Mutual Savings and Loan Association, 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 Mutual Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27716) · FFIEC NIC profile (RSSD 809070)