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Bonvenu Bank, National Association

$1B-$10B Specialty: Commercial LA FDIC cert 26381

Designations: ✓ Community bank

Bossier City, LA

15 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 885 banks in the $1B-$10B peer group nationwide — 1 of 18 in LA.
  • Deposits +0.1% year over year ($1.4B on the books).
  • Delinquency rate 0.13%.
  • Return on assets 0.76%.
  • Efficiency ratio 74.02% vs a 59.73% peer average.
  • Loan-to-deposit ratio 74.35% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 18 in LA
View $1B-$10B leaderboard (LA) →

Bonvenu Bank, National Association has 1 strength but faces 5 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

  • + Credit Quality Leader: Top 21.3% in tier

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 6.2% in tier
  • - Credit Quality Pressure: Bottom 9.2% in tier
  • - ROA 0.63% below tier average
  • - Net Interest Margin 0.60% below tier average
  • - Efficiency Ratio 14.30% above tier average
Get updates when Bonvenu Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Total Assets ? $1.6B
-1.8% YoY -1.6% QoQ
-$1.2B $2.8B
-0.6% YoY
$799.3M
+7.8% YoY
$6.3B
+7.7% YoY
36%
Total Loans ? $1.0B
-1.8% YoY -4.6% QoQ
-$938.2M $2.0B
-0.3% YoY
$538.5M
+5.3% YoY
$3.2B
+9.4% YoY
32%
Total Deposits ? $1.4B
+0.1% YoY -2.0% QoQ
-$940.2M $2.3B
-0.5% YoY
$677.9M
+7.3% YoY
$4.9B
+7.3% YoY
40%
Return on Assets ? 0.76%
+58.0% YoY +20.4% QoQ
-0.63% 1.39%
+17.0% YoY
1.37%
+23.6% YoY
1.30%
+12.1% YoY
17%
Net Interest Margin ? 3.27%
+14.7% YoY +1.9% QoQ
-0.60% 3.87%
+6.2% YoY
4.15%
+0.0% YoY
3.95%
+4.9% YoY
25%
Efficiency Ratio ? 74.02%
-6.6% YoY -2.9% QoQ
+14.30% 59.73%
-12.6% YoY
69.40%
-0.9% YoY
70.05%
+2.5% YoY
Bottom 14.1% in tier
Delinquency Rate ? 0.13%
+65.1% YoY +0.7% QoQ
-0.74% 0.87%
+11.7% YoY
1.53%
+7.9% YoY
0.98%
+16.3% YoY
85%
Loan-to-Deposit Ratio ? 74.35%
-1.8% YoY -2.6% QoQ
-10.68% 85.04%
-0.1% YoY
77.15%
-1.0% YoY
79.03%
+2.3% YoY
77%
Non-Interest-Bearing Deposit Share ? 25.93%
+5.3% YoY +0.5% QoQ
+4.66% 21.27%
-1.5% YoY
24.65%
+0.5% YoY
21.98%
-0.6% YoY
74%
Nonperforming Asset Ratio ? 0.09%
+56.6% YoY -2.3% QoQ
-0.59% 0.67%
+11.7% YoY
1.11%
+4.1% YoY
0.69%
+15.8% YoY
Top 13.3% in tier
Tier 1 Capital Ratio ? 13.50%
-0.3% YoY +3.2% QoQ
-1.34% 14.84%
-0.4% YoY
17.35%
+5.4% YoY
17.09%
+0.8% YoY
57%
Non-Interest Income / Assets ? 0.33%
+34.4% YoY +193.9% QoQ
-0.19% 0.53%
+2.5% YoY
0.33%
+19.6% YoY
0.66%
+5.2% YoY
59%

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 25.9%
+1.3pp YoY
+0.1pp QoQ
 +4.6pp 21.4% 24.6% 22.2% 74%
Brokered Deposits 0.6%
-1.1pp YoY
0.0pp QoQ
 -8.8pp 9.5% 6.7% 8.5% 14%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
C&I 11.4%
+1.3pp YoY
0.0pp QoQ
 -2.6pp 14.0% 12.6% 12.5% 51%
CRE 65.0%
-1.3pp YoY
+0.1pp QoQ
 +15.0pp 50.0% 44.9% 41.4% 83%
1-4 Family 19.3%
+1.0pp YoY
+1.0pp QoQ
 -7.1pp 26.4% 34.2% 31.3% 41%
Consumer 0.4%
0.0pp YoY
0.0pp QoQ
 -4.3pp 4.7% 4.2% 5.0% 29%

Capital

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
CET1 Ratio 13.5%
0.0pp YoY
+0.4pp QoQ
 -2.1pp 15.6% 22.5% 19.7% 50%
Leverage Ratio 10.0%
+0.2pp YoY
+0.4pp QoQ
 -1.3pp 11.3% 13.4% 12.6% 38%
Total Capital Ratio 14.7%
0.0pp YoY
+0.4pp QoQ
 -2.0pp 16.7% 23.6% 20.8% 50%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Full-Time Employees 212
+7 (+3.4%) YoY
0 QoQ
 -102 313 114 482 45%
Assets per Employee ($) $7.3M
-5.0% YoY
-1.6% QoQ
 -$3.2M $10.5M $6.8M $8.8M 28%
Branch Count 14
0 YoY
0 QoQ
 -6 20 9 18 46%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.4% 0.4% 30%
Nonaccrual 0.1%
+0.1pp YoY
0.0pp QoQ
 -0.7pp 0.8% 1.4% 1.0% 13%
Allowance Coverage 9.04x
-39.9% YoY
+1.6% QoQ
 -9.67x 18.71x 27.36x 20.23x 87%
Net Charge-off Rate (YTD) -0.0%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 10%

Profitability

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
ROE 8.8%
+2.9pp YoY
+1.4pp QoQ
 -3.8pp 12.6% 12.5% 11.6% 24%
Cost of Funds (YTD) 1.9%
-0.4pp YoY
0.0pp QoQ
 0.0pp 1.9% 1.7% 1.7% 49%
Net Income ($, YTD) $6.0M
+61.0% YoY
— QoQ
 -$13.2M $19.2M $5.1M $40.4M 17%

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 (1)

Credit Quality Leader

growth
#48 of 221 • Top 21.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.13%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ

Concerns (2)

Flatlined Growth

risk
#11 of 162 • Bottom 6.2% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.76%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
162 of 162 Mid-Market banks match · 719 nationally
→ Stable +34 banks QoQ

Credit Quality Pressure

risk
#46 of 492 • Bottom 9.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.13%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

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 885 peers in $1B-$10B

Top Strengths (3 metrics)

119
Nonperforming Asset Ratio
credit_quality
Value: 0.09%
Peer Median: 0.67%
#119 of 885 Top 13.3% in $1B-$10B
134
Delinquency Rate
credit_quality
Value: 0.13%
Peer Median: 0.87%
#134 of 882 Top 15.1% in $1B-$10B
201
Loan-to-Deposit Ratio
liquidity
Value: 74.35%
Peer Median: 85.04%
#201 of 885 Top 22.6% in $1B-$10B

Top Weaknesses (3 metrics)

761
Efficiency Ratio
profitability
Value: 74.02%
Peer Median: 59.73%
#761 of 885 Bottom 14.1% in $1B-$10B
738
Return on Assets
profitability
Value: 0.76%
Peer Median: 1.39%
#738 of 885 Bottom 16.7% in $1B-$10B
668
Net Interest Margin
profitability
Value: 3.27%
Peer Median: 3.87%
#668 of 885 Bottom 24.6% in $1B-$10B
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