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Anthem Bank & Trust

$100M-$1B Specialty: Commercial LA FDIC cert 29679

Plaquemine, LA

4 branches across LA · FL · TX

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 +7.5% year over year ($164.2M on the books).
  • Delinquency rate 1.17%.
  • Return on assets 0.45%.
  • Efficiency ratio 87.93% vs a 64.48% peer average.
  • Loan-to-deposit ratio 87.19% 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) →

Anthem Bank & Trust has 1 strength but faces 4 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

  • + Net Interest Margin 0.22% above tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 3.0% in tier
  • - Liquidity Overhang: Bottom 5.7% in tier
  • - ROA 0.87% below tier average
  • - Delinquency Rate 0.25% above tier average
Get updates when Anthem Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Total Assets ? $250.1M
+34.0% YoY +25.6% QoQ
-$136.4M $386.6M
+1.2% YoY
$799.3M
+7.8% YoY
$6.3B
+7.7% YoY
37%
Total Loans ? $143.2M
+18.2% YoY +19.4% QoQ
-$115.1M $258.3M
+1.7% YoY
$538.5M
+5.3% YoY
$3.2B
+9.4% YoY
33%
Total Deposits ? $164.2M
+7.5% YoY -0.4% QoQ
-$162.5M $326.7M
+0.7% YoY
$677.9M
+7.3% YoY
$4.9B
+7.3% YoY
25%
Return on Assets ? 0.45%
-61.3% YoY -32.9% QoQ
-0.87% 1.32%
+10.8% YoY
1.37%
+23.6% YoY
1.30%
+12.1% YoY
Bottom 11.1% in tier
Net Interest Margin ? 4.20%
+2.0% YoY +2.1% QoQ
+0.22% 3.99%
+5.0% YoY
4.15%
+0.0% YoY
3.95%
+4.9% YoY
65%
Efficiency Ratio ? 87.93%
+16.9% YoY +3.4% QoQ
+23.45% 64.48%
-3.2% YoY
69.40%
-0.9% YoY
70.05%
+2.5% YoY
Bottom 7.3% in tier
Delinquency Rate ? 1.17%
-17.2% QoQ
+0.25% 0.92%
+15.7% YoY
1.53%
+7.9% YoY
0.98%
+16.3% YoY
25%
Loan-to-Deposit Ratio ? 87.19%
+10.0% YoY +19.9% QoQ
+9.24% 77.95%
+1.0% YoY
77.15%
-1.0% YoY
79.03%
+2.3% YoY
32%
Non-Interest-Bearing Deposit Share ? 14.16%
+9.7% YoY +2.7% QoQ
-7.87% 22.03%
-0.6% YoY
24.65%
+0.5% YoY
21.98%
-0.6% YoY
21%
Nonperforming Asset Ratio ? 0.92%
+176.4% YoY -21.1% QoQ
+0.25% 0.67%
+16.4% YoY
1.11%
+4.1% YoY
0.69%
+15.8% YoY
22%
Tier 1 Capital Ratio ? 47.17%
+171.3% YoY +171.2% QoQ
+31.26% 15.91%
+1.4% YoY
17.35%
+5.4% YoY
17.09%
+0.8% YoY
Top 1.1% in tier
Non-Interest Income / Assets ? 0.23%
-44.8% YoY +55.2% QoQ
-0.33% 0.57%
+7.6% YoY
0.33%
+19.6% YoY
0.66%
+5.2% YoY
60%

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 14.2%
+1.3pp YoY
+0.4pp QoQ
 -8.0pp 22.1% 24.6% 22.2% 21%
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 60.1%
+12.3pp YoY
+10.5pp QoQ
 +48.5pp 11.6% 12.6% 12.5% 100%
CRE 25.8%
-6.3pp YoY
-6.2pp QoQ
 -13.7pp 39.5% 44.9% 41.4% 28%
1-4 Family 14.2%
-5.3pp YoY
-4.3pp QoQ
 -18.4pp 32.6% 34.2% 31.3% 18%
Consumer 1.8%
-1.1pp YoY
-0.4pp QoQ
 -2.3pp 4.1% 4.2% 5.0% 44%

Capital

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
CET1 Ratio 47.2%
+29.8pp YoY
+29.8pp QoQ
 +28.3pp 18.8% 22.5% 19.7% 98%
Leverage Ratio 29.9%
+18.8pp YoY
+18.8pp QoQ
 +17.7pp 12.2% 13.4% 12.6% 99%
Total Capital Ratio 48.4%
+29.8pp YoY
+29.8pp QoQ
 +28.5pp 19.9% 23.6% 20.8% 98%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Full-Time Employees 40
+7 (+21.2%) YoY
+3 (+8.1%) QoQ
 -19 58 114 482 41%
Assets per Employee ($) $6.3M
+10.6% YoY
+16.2% QoQ
 -$1.3M $7.5M $6.8M $8.8M 38%
Branch Count 4
0 YoY
0 QoQ
 -1 4 9 18 42%

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 1.2%
-0.2pp QoQ
 +0.2pp 0.9% 1.4% 1.0% 75%
Allowance Coverage 1.11x
+4.9% QoQ
 -23.05x 24.15x 27.36x 20.23x 30%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
ROE 2.6%
-8.9pp YoY
-3.7pp QoQ
 -9.6pp 12.2% 12.5% 11.6% 8%
Cost of Funds (YTD) 1.8%
-0.6pp YoY
-0.2pp QoQ
 +0.1pp 1.7% 1.7% 1.7% 60%
Net Income ($, YTD) $492,000
-58.1% YoY
— QoQ
 -$2.1M $2.6M $5.1M $40.4M 10%

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 (2)

Efficiency Drag

risk
#12 of 361 • Bottom 3.0% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 87.93%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#43 of 742 • Bottom 5.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 47.17%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 87.19%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | 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 (1 metrics)

30
Tier 1 Capital Ratio
capital
Value: 47.17%
Peer Median: 15.91%
#30 of 2643 Top 1.1% in $100M-$1B

Top Weaknesses (5 metrics)

2451
Efficiency Ratio
profitability
Value: 87.93%
Peer Median: 64.48%
#2451 of 2643 Bottom 7.3% in $100M-$1B
2351
Return on Assets
profitability
Value: 0.45%
Peer Median: 1.32%
#2351 of 2643 Bottom 11.1% in $100M-$1B
2087
Non-Interest-Bearing Deposit Share
funding
Value: 14.16%
Peer Median: 22.03%
#2087 of 2643 Bottom 21.1% in $100M-$1B
2052
Nonperforming Asset Ratio
credit_quality
Value: 0.92%
Peer Median: 0.67%
#2052 of 2643 Bottom 22.4% in $100M-$1B
1986
Delinquency Rate
credit_quality
Value: 1.17%
Peer Median: 0.92%
#1986 of 2633 Bottom 24.6% in $100M-$1B
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