South Louisiana 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: 28.32 percentage points higher than in Q1 2026, at 671.67%. On return on assets, South Louisiana Bank ranks 9th highest among the 103 banks headquartered in Louisiana, at 2.01% (Q2 2026). South Louisiana Bank's return on assets of 2.01% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.76 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 | 15.30% |
| Equity capital to assets | 15.35% |
| Tangible equity to tangible assets | 15.20% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.59% |
| Non-performing assets ratio | 0.33% |
| Net charge-off ratio | 0.13% |
| Texas ratio | 1.90% |
| Allowance for credit losses to loans | 3.97% |
| Reserve coverage of non-performing loans | 671.67% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.01% |
| Return on equity | 13.33% |
| Net interest margin | 4.65% |
| Efficiency ratio | 56.69% |
| Yield on earning assets | 5.99% |
| Cost of funds | 1.52% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.33% |
| Core deposits to total deposits | 86.90% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.15% |
| Securities to assets | 36.01% |
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 | 12.99% | 1.22% | 3.51% | 1.69% | 0.41% |
| Q4 2023 | 12.83% | 1.37% | 3.62% | 0.90% | 0.29% |
| Q1 2024 | 13.04% | 0.96% | 3.62% | 0.76% | -0.15% |
| Q2 2024 | 13.10% | 1.44% | 4.00% | 0.67% | -0.18% |
| Q3 2024 | 13.46% | 1.43% | 4.15% | 0.60% | -0.04% |
| Q4 2024 | 13.20% | 1.72% | 4.25% | 0.52% | 0.03% |
| Q1 2025 | 13.49% | 1.49% | 4.16% | 0.57% | -0.12% |
| Q2 2025 | 13.93% | 1.29% | 4.26% | 0.59% | -0.05% |
| Q3 2025 | 14.78% | 1.63% | 4.66% | 0.56% | -0.17% |
| Q4 2025 | 14.59% | 1.66% | 4.70% | 0.51% | -0.08% |
| Q1 2026 | 14.66% | 1.59% | 4.47% | 0.62% | -0.03% |
| Q2 2026 | 15.30% | 2.01% | 4.65% | 0.59% | 0.13% |
South Louisiana Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock South Louisiana 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 South Louisiana Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23144) · FFIEC NIC profile (RSSD 616036)