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South Louisiana Bank

$100M-$1B Specialty: Commercial LA FDIC cert 23144

Houma, 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 -0.9% year over year ($548.6M on the books).
  • Delinquency rate 0.47%.
  • Return on assets 1.80%.
  • Efficiency ratio 59.43% vs a 64.48% peer average.
  • Loan-to-deposit ratio 64.66% 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) →

South Louisiana Bank demonstrates 5 strengths

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

  • + Revenue Diversifier: Top 12.0% in tier
  • + Profitability Leader: Top 39.0% in tier
  • + Deposit Franchise: Top 58.6% in tier
  • + Efficiency Ratio 5.05% below tier average
  • + Delinquency Rate 0.45% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when South Louisiana 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 ? $659.8M
-2.7% YoY -2.3% QoQ
+$273.3M $386.6M
+1.2% YoY
$799.3M
+7.8% YoY
$6.3B
+7.7% YoY
Top 14.8% in tier
Total Loans ? $354.7M
+1.5% YoY +0.1% QoQ
+$96.4M $258.3M
+1.7% YoY
$538.5M
+5.3% YoY
$3.2B
+9.4% YoY
75%
Total Deposits ? $548.6M
-0.9% YoY -3.1% QoQ
+$221.9M $326.7M
+0.7% YoY
$677.9M
+7.3% YoY
$4.9B
+7.3% YoY
84%
Return on Assets ? 1.80%
+29.3% YoY +13.2% QoQ
+0.48% 1.32%
+10.8% YoY
1.37%
+23.6% YoY
1.30%
+12.1% YoY
80%
Net Interest Margin ? 4.70%
+8.3% YoY +1.9% QoQ
+0.71% 3.99%
+5.0% YoY
4.15%
+0.0% YoY
3.95%
+4.9% YoY
Top 14.3% in tier
Efficiency Ratio ? 59.43%
-6.7% YoY -4.4% QoQ
-5.05% 64.48%
-3.2% YoY
69.40%
-0.9% YoY
70.05%
+2.5% YoY
59%
Delinquency Rate ? 0.47%
-3.1% YoY -6.5% QoQ
-0.45% 0.92%
+15.7% YoY
1.53%
+7.9% YoY
0.98%
+16.3% YoY
47%
Loan-to-Deposit Ratio ? 64.66%
+2.4% YoY +3.3% QoQ
-13.30% 77.95%
+1.0% YoY
77.15%
-1.0% YoY
79.03%
+2.3% YoY
77%
Non-Interest-Bearing Deposit Share ? 35.96%
+1.4% YoY -0.8% QoQ
+13.93% 22.03%
-0.6% YoY
24.65%
+0.5% YoY
21.98%
-0.6% YoY
Top 8.8% in tier
Nonperforming Asset Ratio ? 0.25%
-2.7% YoY -4.2% QoQ
-0.42% 0.67%
+16.4% YoY
1.11%
+4.1% YoY
0.69%
+15.8% YoY
56%
Tier 1 Capital Ratio ? 15.30%
+9.8% YoY +4.4% QoQ
-0.61% 15.91%
+1.4% YoY
17.35%
+5.4% YoY
17.09%
+0.8% YoY
68%
Non-Interest Income / Assets ? 0.79%
+22.7% YoY +107.5% QoQ
+0.22% 0.57%
+7.6% YoY
0.33%
+19.6% YoY
0.66%
+5.2% YoY
Top 4.9% in tier

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 36.0%
+0.5pp YoY
-0.3pp QoQ
 +13.8pp 22.1% 24.6% 22.2% 91%
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 28.7%
-1.3pp YoY
+1.0pp QoQ
 +17.2pp 11.6% 12.6% 12.5% 96%
CRE 52.3%
-1.6pp YoY
-1.0pp QoQ
 +12.7pp 39.5% 44.9% 41.4% 74%
1-4 Family 17.6%
+3.2pp YoY
0.0pp QoQ
 -15.1pp 32.6% 34.2% 31.3% 24%
Consumer 3.1%
0.0pp YoY
+0.1pp QoQ
 -1.0pp 4.1% 4.2% 5.0% 61%

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 15.3%
+1.4pp YoY
+0.6pp QoQ
 +3.1pp 12.2% 13.4% 12.6% 88%
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 153
-5 (-3.2%) YoY
+1 (+0.7%) QoQ
 +94 58 114 482 98%
Assets per Employee ($) $4.3M
+0.4% YoY
-3.0% QoQ
 -$3.2M $7.5M $6.8M $8.8M 7%
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 0.5%
0.0pp YoY
0.0pp QoQ
 -0.5pp 0.9% 1.4% 1.0% 51%
Allowance Coverage 8.84x
+6.7% YoY
+6.0% QoQ
 -15.32x 24.15x 27.36x 20.23x 80%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
+0.1pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 68%

Profitability

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
ROE 12.1%
+1.8pp YoY
+1.2pp QoQ
 -0.1pp 12.2% 12.5% 11.6% 50%
Cost of Funds (YTD) 1.4%
-0.2pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.7% 1.7% 29%
Net Income ($, YTD) $6.0M
+25.5% YoY
— QoQ
 +$3.4M $2.6M $5.1M $40.4M 92%

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 (3)

Revenue Diversifier

growth
#80 of 661 • Top 12.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.79%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 1.80%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Profitability Leader

growth
#259 of 661 • Top 39.0% in tier

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

Why this signature
Return on Assets: 1.80%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Deposit Franchise

growth
#164 of 278 • Top 58.6% 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: 35.96%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.70%
(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 (7 metrics)

130
Non-Interest Income / Assets
revenue_mix
Value: 0.79%
Peer Median: 0.57%
#130 of 2643 Top 4.9% in $100M-$1B
234
Non-Interest-Bearing Deposit Share
funding
Value: 35.96%
Peer Median: 22.03%
#234 of 2643 Top 8.8% in $100M-$1B
378
Net Interest Margin
profitability
Value: 4.70%
Peer Median: 3.99%
#378 of 2643 Top 14.3% in $100M-$1B
393
Total Assets
size
Value: $659.84M
Peer Median: $386.57M
#393 of 2643 Top 14.8% in $100M-$1B
423
Total Deposits
size
Value: $548.63M
Peer Median: $326.73M
#423 of 2643 Top 16.0% in $100M-$1B
525
Return on Assets
profitability
Value: 1.80%
Peer Median: 1.32%
#525 of 2643 Top 19.8% in $100M-$1B
611
Loan-to-Deposit Ratio
liquidity
Value: 64.66%
Peer Median: 77.95%
#611 of 2643 Top 23.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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