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Bank of St. Francisville

$100M-$1B Specialty: Commercial LA FDIC cert 22739

Designations: ✓ CDFI-certified

Saint Francisville, LA

2 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 +5.5% year over year ($346.0M on the books).
  • Delinquency rate 0.82%.
  • Return on assets 1.50%.
  • Efficiency ratio 62.90% vs a 64.48% peer average.
  • Loan-to-deposit ratio 86.38% 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) →

Bank of St. Francisville has 4 strengths but faces 1 concern

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

  • + ROA 0.18% above tier average
  • + Net Interest Margin 0.50% above tier average
  • + Efficiency Ratio 1.58% below tier average
  • + Delinquency Rate 0.10% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 32.4% in tier
Get updates when Bank of St. Francisville releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Total Assets ? $398.7M
+4.5% YoY +0.2% QoQ
+$12.1M $386.6M
+1.2% YoY
$799.3M
+7.8% YoY
$6.3B
+7.7% YoY
61%
Total Loans ? $298.8M
+6.9% YoY +2.2% QoQ
+$40.5M $258.3M
+1.7% YoY
$538.5M
+5.3% YoY
$3.2B
+9.4% YoY
67%
Total Deposits ? $346.0M
+5.5% YoY -0.1% QoQ
+$19.2M $326.7M
+0.7% YoY
$677.9M
+7.3% YoY
$4.9B
+7.3% YoY
62%
Return on Assets ? 1.50%
+14.7% YoY -8.1% QoQ
+0.18% 1.32%
+10.8% YoY
1.37%
+23.6% YoY
1.30%
+12.1% YoY
65%
Net Interest Margin ? 4.48%
+10.8% YoY -1.3% QoQ
+0.50% 3.99%
+5.0% YoY
4.15%
+0.0% YoY
3.95%
+4.9% YoY
79%
Efficiency Ratio ? 62.90%
-1.7% YoY +1.4% QoQ
-1.58% 64.48%
-3.2% YoY
69.40%
-0.9% YoY
70.05%
+2.5% YoY
48%
Delinquency Rate ? 0.82%
-15.5% YoY +37.3% QoQ
-0.10% 0.92%
+15.7% YoY
1.53%
+7.9% YoY
0.98%
+16.3% YoY
33%
Loan-to-Deposit Ratio ? 86.38%
+1.3% YoY +2.3% QoQ
+8.43% 77.95%
+1.0% YoY
77.15%
-1.0% YoY
79.03%
+2.3% YoY
34%
Non-Interest-Bearing Deposit Share ? 29.11%
+0.6% YoY +0.4% QoQ
+7.08% 22.03%
-0.6% YoY
24.65%
+0.5% YoY
21.98%
-0.6% YoY
79%
Nonperforming Asset Ratio ? 0.65%
-7.7% YoY +36.5% QoQ
-0.02% 0.67%
+16.4% YoY
1.11%
+4.1% YoY
0.69%
+15.8% YoY
33%
Tier 1 Capital Ratio ? 9.87%
+3.1% YoY -3.6% QoQ
-6.04% 15.91%
+1.4% YoY
17.35%
+5.4% YoY
17.09%
+0.8% YoY
Bottom 8.9% in tier
Non-Interest Income / Assets ? 0.11%
-14.1% YoY +87.9% QoQ
-0.45% 0.57%
+7.6% YoY
0.33%
+19.6% YoY
0.66%
+5.2% YoY
23%

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 29.1%
+0.2pp YoY
+0.1pp QoQ
 +7.0pp 22.1% 24.6% 22.2% 79%
Brokered Deposits n/a n/a 7.9% 6.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
C&I 8.9%
+0.4pp YoY
+1.4pp QoQ
 -2.7pp 11.6% 12.6% 12.5% 46%
CRE 48.4%
-0.5pp YoY
0.0pp QoQ
 +8.9pp 39.5% 44.9% 41.4% 68%
1-4 Family 38.9%
+1.8pp YoY
-1.2pp QoQ
 +6.3pp 32.6% 34.2% 31.3% 68%
Consumer 1.3%
-0.2pp YoY
+0.1pp QoQ
 -2.8pp 4.1% 4.2% 5.0% 36%

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 9.9%
+0.3pp YoY
-0.4pp QoQ
 -2.3pp 12.2% 13.4% 12.6% 28%
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 60
+5 (+9.1%) YoY
0 QoQ
 +1 58 114 482 63%
Assets per Employee ($) $6.6M
-4.2% YoY
+0.2% QoQ
 -$874K $7.5M $6.8M $8.8M 45%
Branch Count 2
0 YoY
0 QoQ
 -3 4 9 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Past Due 90+ Days 0.1%
-0.3pp YoY
+0.1pp QoQ
 -0.2pp 0.3% 0.4% 0.4% 46%
Nonaccrual 0.7%
+0.1pp YoY
+0.2pp QoQ
 -0.2pp 0.9% 1.4% 1.0% 64%
Allowance Coverage 1.64x
+26.3% YoY
-24.1% QoQ
 -22.51x 24.15x 27.36x 20.23x 42%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 8%

Profitability

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
ROE 15.3%
+0.7pp YoY
-1.2pp QoQ
 +3.1pp 12.2% 12.5% 11.6% 69%
Cost of Funds (YTD) 1.9%
-0.4pp YoY
+0.1pp QoQ
 +0.2pp 1.7% 1.7% 1.7% 64%
Net Income ($, YTD) $2.9M
+16.8% YoY
— QoQ
 +$385K $2.6M $5.1M $40.4M 69%

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 (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk
#215 of 661 • Bottom 32.4% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.87%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

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 (2 metrics)

546
Non-Interest-Bearing Deposit Share
funding
Value: 29.11%
Peer Median: 22.03%
#546 of 2643 Top 20.6% in $100M-$1B
554
Net Interest Margin
profitability
Value: 4.48%
Peer Median: 3.99%
#554 of 2643 Top 20.9% in $100M-$1B

Top Weaknesses (2 metrics)

2408
Tier 1 Capital Ratio
capital
Value: 9.87%
Peer Median: 15.91%
#2408 of 2643 Bottom 8.9% in $100M-$1B
2041
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.57%
#2041 of 2643 Bottom 22.8% in $100M-$1B
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