South Lafourche 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 7.51 percentage points in Q2 2026, from 33.62% to 26.11%. It was the largest change from Q1 2026 among the key lines here. South Lafourche Bank & Trust Company ranks 88th of 103 Louisiana banks on return on assets, in the lower half at 0.47% (Q2 2026). South Lafourche Bank & Trust Company's return on assets of 0.47% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.78 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 | 11.73% |
| Equity capital to assets | 10.99% |
| Tangible equity to tangible assets | 10.99% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 6.95% |
| Non-performing assets ratio | 5.66% |
| Net charge-off ratio | -0.60% |
| Texas ratio | 45.43% |
| Allowance for credit losses to loans | 1.82% |
| Reserve coverage of non-performing loans | 26.11% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.47% |
| Return on equity | 4.22% |
| Net interest margin | 3.55% |
| Efficiency ratio | 86.97% |
| Yield on earning assets | 5.26% |
| Cost of funds | 1.91% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.22% |
| Core deposits to total deposits | 73.88% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.28% |
| Securities to assets | 12.76% |
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 | 11.35% | 0.87% | 3.93% | 0.87% | -0.68% |
| Q4 2023 | 11.45% | 1.02% | 3.84% | 0.53% | -0.35% |
| Q1 2024 | 11.33% | 0.92% | 3.74% | 0.62% | -0.35% |
| Q2 2024 | 11.68% | 2.45% | 5.68% | 0.98% | 0.88% |
| Q3 2024 | 11.48% | 0.80% | 3.67% | 1.15% | -0.02% |
| Q4 2024 | 11.57% | 1.16% | 3.58% | 1.87% | 0.28% |
| Q1 2025 | 11.95% | 0.29% | 3.46% | 1.53% | 0.18% |
| Q2 2025 | 12.45% | 0.51% | 3.71% | 2.03% | 1.12% |
| Q3 2025 | 12.51% | 1.25% | 4.25% | 1.89% | -1.22% |
| Q4 2025 | 12.62% | 2.46% | 3.97% | 1.44% | 0.11% |
| Q1 2026 | 12.07% | 0.91% | 3.82% | 5.04% | 0.65% |
| Q2 2026 | 11.73% | 0.47% | 3.55% | 6.95% | -0.60% |
South Lafourche Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock South Lafourche 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 South Lafourche Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19755) · FFIEC NIC profile (RSSD 135836)