Sicily Island State 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: 33.33 percentage points higher than in Q1 2026, at 261.48%. Sicily Island State Bank ranks 20th of 103 Louisiana banks on return on assets, in the upper half at 1.79% (Q2 2026). Sicily Island State Bank's return on assets of 1.79% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 0.81 points (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 | 13.19% |
| Equity capital to assets | 13.09% |
| Tangible equity to tangible assets | 13.09% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.39% |
| Non-performing assets ratio | 0.31% |
| Net charge-off ratio | -0.08% |
| Texas ratio | 2.24% |
| Allowance for credit losses to loans | 1.01% |
| Reserve coverage of non-performing loans | 261.48% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.79% |
| Return on equity | 14.07% |
| Net interest margin | 4.74% |
| Efficiency ratio | 62.39% |
| Yield on earning assets | 7.21% |
| Cost of funds | 3.07% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.59% |
| Core deposits to total deposits | 83.80% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 78.89% |
| Securities to assets | 4.35% |
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 | 17.40% | 17.40% | 18.61% | 13.61% | 2.44% |
| Q4 2023 | 16.41% | 16.41% | 17.60% | 12.63% | 2.09% |
| Q1 2024 | 16.00% | 16.00% | 17.14% | 12.64% | 0.89% |
| Q2 2024 | 18.24% | 18.24% | 19.48% | 12.73% | 1.83% |
| Q3 2024 | 18.64% | 18.64% | 19.85% | 13.07% | 2.42% |
| Q4 2024 | 18.17% | 18.17% | 19.41% | 12.60% | 2.28% |
| Q1 2025 | 17.89% | 17.89% | 19.07% | 13.24% | 2.35% |
| Q2 2025 | — | — | — | 13.35% | 2.14% |
| Q3 2025 | — | — | — | 13.83% | 2.26% |
| Q4 2025 | — | — | — | 12.34% | 2.12% |
| Q1 2026 | — | — | — | 12.56% | 1.75% |
| Q2 2026 | — | — | — | 13.19% | 1.79% |
Sicily Island State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Sicily Island State 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 Sicily Island State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12722) · FFIEC NIC profile (RSSD 1002458)