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Louisiana National Bank

$100M-$1B Specialty: Commercial LA FDIC cert 15059

Ruston, LA

10 branches across LA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 73 in LA.
  • Deposits +4.2% year over year ($413.7M on the books).
  • Delinquency rate 1.43%.
  • Return on assets 1.87%.
  • Efficiency ratio 58.19% vs a 64.48% peer average.
  • Loan-to-deposit ratio 100.28% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 73 in LA
View $100M-$1B leaderboard (LA) →

Louisiana National Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 41.6% in tier
  • + Deposit Franchise: Top 60.8% in tier
  • + Efficiency Ratio 6.29% below tier average

Key Concerns

Areas that may need attention

  • - Loan-to-Deposit Ratio 22.33% above tier average
  • - Nonperforming Asset Ratio 1.08% above tier average
  • - Delinquency Rate 0.51% above tier average
Get updates when Louisiana National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Total Assets ? $474.0M
+5.7% YoY +0.1% QoQ
+$87.5M $386.6M
+1.2% YoY
$799.3M
+7.8% YoY
$6.3B
+7.7% YoY
69%
Total Loans ? $414.9M
+9.0% YoY +1.9% QoQ
+$156.6M $258.3M
+1.7% YoY
$538.5M
+5.3% YoY
$3.2B
+9.4% YoY
81%
Total Deposits ? $413.7M
+4.2% YoY -1.0% QoQ
+$87.0M $326.7M
+0.7% YoY
$677.9M
+7.3% YoY
$4.9B
+7.3% YoY
71%
Return on Assets ? 1.87%
+22.6% YoY +11.7% QoQ
+0.55% 1.32%
+10.8% YoY
1.37%
+23.6% YoY
1.30%
+12.1% YoY
83%
Net Interest Margin ? 6.14%
+5.7% YoY +3.4% QoQ
+2.16% 3.99%
+5.0% YoY
4.15%
+0.0% YoY
3.95%
+4.9% YoY
Top 1.2% in tier
Efficiency Ratio ? 58.19%
-7.2% YoY -4.3% QoQ
-6.29% 64.48%
-3.2% YoY
69.40%
-0.9% YoY
70.05%
+2.5% YoY
63%
Delinquency Rate ? 1.43%
-15.2% YoY -1.7% QoQ
+0.51% 0.92%
+15.7% YoY
1.53%
+7.9% YoY
0.98%
+16.3% YoY
20%
Loan-to-Deposit Ratio ? 100.28%
+4.7% YoY +2.9% QoQ
+22.33% 77.95%
+1.0% YoY
77.15%
-1.0% YoY
79.03%
+2.3% YoY
Bottom 10.0% in tier
Non-Interest-Bearing Deposit Share ? 27.76%
+13.7% YoY +0.2% QoQ
+5.73% 22.03%
-0.6% YoY
24.65%
+0.5% YoY
21.98%
-0.6% YoY
76%
Nonperforming Asset Ratio ? 1.75%
-6.5% YoY -0.6% QoQ
+1.08% 0.67%
+16.4% YoY
1.11%
+4.1% YoY
0.69%
+15.8% YoY
Bottom 9.4% in tier
Tier 1 Capital Ratio ? 10.49%
+7.6% YoY +6.4% QoQ
-5.42% 15.91%
+1.4% YoY
17.35%
+5.4% YoY
17.09%
+0.8% YoY
17%
Non-Interest Income / Assets ? 0.21%
-27.2% YoY +131.2% QoQ
-0.35% 0.57%
+7.6% YoY
0.33%
+19.6% YoY
0.66%
+5.2% YoY
54%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Noninterest-Bearing 27.8%
+3.4pp YoY
+0.1pp QoQ
 +5.6pp 22.1% 24.6% 22.2% 75%
Brokered Deposits 5.3%
+1.4pp YoY
+3.3pp QoQ
 -2.5pp 7.9% 6.7% 8.5% 54%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
C&I 10.1%
+1.3pp YoY
+0.7pp QoQ
 -1.5pp 11.6% 12.6% 12.5% 53%
CRE 64.5%
0.0pp YoY
-0.1pp QoQ
 +24.9pp 39.5% 44.9% 41.4% 89%
1-4 Family 14.0%
-1.5pp YoY
-0.3pp QoQ
 -18.7pp 32.6% 34.2% 31.3% 17%
Consumer 0.3%
-0.1pp YoY
0.0pp QoQ
 -3.8pp 4.1% 4.2% 5.0% 12%

Capital

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.5% 19.7% n/a
Leverage Ratio 10.5%
+0.7pp YoY
+0.6pp QoQ
 -1.7pp 12.2% 13.4% 12.6% 41%
Total Capital Ratio n/a n/a 19.9% 23.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Full-Time Employees 75
-6 (-7.4%) YoY
-3 (-3.8%) QoQ
 +16 58 114 482 74%
Assets per Employee ($) $6.3M
+14.1% YoY
+4.1% QoQ
 -$1.2M $7.5M $6.8M $8.8M 39%
Branch Count 10
0 YoY
0 QoQ
 +5 4 9 18 90%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 1.4%
-0.3pp YoY
0.0pp QoQ
 +0.5pp 0.9% 1.4% 1.0% 81%
Allowance Coverage 0.76x
+13.3% YoY
+2.1% QoQ
 -23.40x 24.15x 27.36x 20.23x 19%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 43%

Profitability

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
ROE 18.9%
+2.6pp YoY
+1.6pp QoQ
 +6.7pp 12.2% 12.5% 11.6% 85%
Cost of Funds (YTD) 1.8%
-0.3pp YoY
-0.1pp QoQ
 0.0pp 1.7% 1.7% 1.7% 54%
Net Income ($, YTD) $4.5M
+30.3% YoY
— QoQ
 +$1.9M $2.6M $5.1M $40.4M 84%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Profitability Leader

growth
#276 of 661 • Top 41.6% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.87%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Deposit Franchise

growth
#170 of 278 • Top 60.8% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 27.76%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 6.14%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

32
Net Interest Margin
profitability
Value: 6.14%
Peer Median: 3.99%
#32 of 2643 Top 1.2% in $100M-$1B
443
Return on Assets
profitability
Value: 1.87%
Peer Median: 1.32%
#443 of 2643 Top 16.7% in $100M-$1B
510
Total Loans
size
Value: $414.90M
Peer Median: $258.35M
#510 of 2643 Top 19.3% in $100M-$1B
646
Non-Interest-Bearing Deposit Share
funding
Value: 27.76%
Peer Median: 22.03%
#646 of 2643 Top 24.4% in $100M-$1B

Top Weaknesses (4 metrics)

2395
Nonperforming Asset Ratio
credit_quality
Value: 1.75%
Peer Median: 0.67%
#2395 of 2643 Bottom 9.4% in $100M-$1B
2381
Loan-to-Deposit Ratio
liquidity
Value: 100.28%
Peer Median: 77.95%
#2381 of 2643 Bottom 10.0% in $100M-$1B
2202
Tier 1 Capital Ratio
capital
Value: 10.49%
Peer Median: 15.91%
#2202 of 2643 Bottom 16.7% in $100M-$1B
2120
Delinquency Rate
credit_quality
Value: 1.43%
Peer Median: 0.92%
#2120 of 2633 Bottom 19.5% in $100M-$1B
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