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St. Landry Bank and Trust Company

$100M-$1B Specialty: Other LA FDIC cert 8534

Opelousas, LA

8 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 -1.6% year over year ($269.7M on the books).
  • Delinquency rate 3.51%.
  • Return on assets 0.27%.
  • Efficiency ratio 91.36% vs a 64.48% peer average.
  • Loan-to-deposit ratio 29.94% 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) →

St. Landry Bank and Trust Company 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

  • + Non-Interest-Bearing Deposit Share 18.74% above tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 2.8% in tier
  • - Efficiency Drag: Bottom 15.8% in tier
  • - Return on Assets 1.06% below tier average
  • - Net Interest Margin 1.07% below tier average
  • - Delinquency Rate 2.59% above tier average
Get updates when St. Landry Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Total Assets ? $294.9M
-0.1% YoY -0.5% QoQ
-$91.7M $386.6M
+1.2% YoY
$799.3M
+7.8% YoY
$6.3B
+7.7% YoY
45%
Total Loans ? $80.7M
+6.0% YoY +2.2% QoQ
-$177.6M $258.3M
+1.7% YoY
$538.5M
+5.3% YoY
$3.2B
+9.4% YoY
Bottom 10.7% in tier
Total Deposits ? $269.7M
-1.6% YoY -0.9% QoQ
-$57.1M $326.7M
+0.7% YoY
$677.9M
+7.3% YoY
$4.9B
+7.3% YoY
49%
Return on Assets ? 0.27%
-63.6% YoY +65.5% QoQ
-1.06% 1.32%
+10.8% YoY
1.37%
+23.6% YoY
1.30%
+12.1% YoY
Bottom 6.8% in tier
Net Interest Margin ? 2.91%
+4.7% YoY +5.4% QoQ
-1.07% 3.99%
+5.0% YoY
4.15%
+0.0% YoY
3.95%
+4.9% YoY
Bottom 7.9% in tier
Efficiency Ratio ? 91.36%
+1.5% YoY -3.4% QoQ
+26.88% 64.48%
-3.2% YoY
69.40%
-0.9% YoY
70.05%
+2.5% YoY
Bottom 5.0% in tier
Delinquency Rate ? 3.51%
+172.0% YoY +0.7% QoQ
+2.59% 0.92%
+15.7% YoY
1.53%
+7.9% YoY
0.98%
+16.3% YoY
Bottom 4.7% in tier
Loan-to-Deposit Ratio ? 29.94%
+7.8% YoY +3.1% QoQ
-48.02% 77.95%
+1.0% YoY
77.15%
-1.0% YoY
79.03%
+2.3% YoY
Top 1.7% in tier
Non-Interest-Bearing Deposit Share ? 40.77%
+4.5% YoY +2.5% QoQ
+18.74% 22.03%
-0.6% YoY
24.65%
+0.5% YoY
21.98%
-0.6% YoY
Top 4.2% in tier
Nonperforming Asset Ratio ? 0.96%
+153.8% YoY -1.4% QoQ
+0.29% 0.67%
+16.4% YoY
1.11%
+4.1% YoY
0.69%
+15.8% YoY
21%
Tier 1 Capital Ratio ? 26.65%
-2.1% YoY +2.2% QoQ
+10.74% 15.91%
+1.4% YoY
17.35%
+5.4% YoY
17.09%
+0.8% YoY
Top 5.6% in tier
Non-Interest Income / Assets ? 0.14%
+7.6% YoY +88.7% QoQ
-0.43% 0.57%
+7.6% YoY
0.33%
+19.6% YoY
0.66%
+5.2% YoY
31%

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 40.8%
+1.8pp YoY
+1.0pp QoQ
 +18.6pp 22.1% 24.6% 22.2% 96%
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 13.0%
-3.2pp YoY
-1.1pp QoQ
 +1.4pp 11.6% 12.6% 12.5% 68%
CRE 58.5%
-1.9pp YoY
+0.3pp QoQ
 +19.0pp 39.5% 44.9% 41.4% 82%
1-4 Family 15.6%
+1.8pp YoY
+0.1pp QoQ
 -17.1pp 32.6% 34.2% 31.3% 20%
Consumer 13.9%
+3.1pp YoY
-0.1pp QoQ
 +9.7pp 4.1% 4.2% 5.0% 95%

Capital

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
CET1 Ratio 26.6%
-0.6pp YoY
+0.6pp QoQ
 +7.8pp 18.8% 22.5% 19.7% 91%
Leverage Ratio 11.2%
-0.2pp YoY
+0.1pp QoQ
 -1.0pp 12.2% 13.4% 12.6% 54%
Total Capital Ratio 27.9%
-0.6pp YoY
+0.6pp QoQ
 +8.0pp 19.9% 23.6% 20.8% 91%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Full-Time Employees 63
+2 (+3.3%) YoY
+3 (+5.0%) QoQ
 +4 58 114 482 66%
Assets per Employee ($) $4.7M
-3.3% YoY
-5.2% QoQ
 -$2.8M $7.5M $6.8M $8.8M 10%
Branch Count 8
0 YoY
0 QoQ
 +3 4 9 18 82%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Past Due 90+ Days 0.2%
+0.2pp YoY
+0.2pp QoQ
 -0.1pp 0.3% 0.4% 0.4% 68%
Nonaccrual 3.3%
+2.0pp YoY
-0.2pp QoQ
 +2.3pp 0.9% 1.4% 1.0% 95%
Allowance Coverage 0.75x
-65.7% YoY
-6.3% QoQ
 -23.40x 24.15x 27.36x 20.23x 19%
Net Charge-off Rate (YTD) 0.2%
+1.6pp YoY
+0.2pp QoQ
 0.0pp 0.1% 0.1% 0.2% 83%

Profitability

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
ROE 3.3%
-8.1pp YoY
+1.3pp QoQ
 -8.9pp 12.2% 12.5% 11.6% 9%
Cost of Funds (YTD) 0.5%
-0.1pp YoY
0.0pp QoQ
 -1.2pp 1.7% 1.7% 1.7% 2%
Net Income ($, YTD) $396,000
-63.4% YoY
— QoQ
 -$2.2M $2.6M $5.1M $40.4M 8%

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)

Flatlined Growth

risk
#16 of 529 • Bottom 2.8% 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: 0.27%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Efficiency Drag

risk
#58 of 361 • Bottom 15.8% in tier

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

Why this signature
Efficiency Ratio: 91.36%
(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

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 (3 metrics)

47
Loan-to-Deposit Ratio
liquidity
Value: 29.94%
Peer Median: 77.95%
#47 of 2643 Top 1.7% in $100M-$1B
111
Non-Interest-Bearing Deposit Share
funding
Value: 40.77%
Peer Median: 22.03%
#111 of 2643 Top 4.2% in $100M-$1B
148
Tier 1 Capital Ratio
capital
Value: 26.65%
Peer Median: 15.91%
#148 of 2643 Top 5.6% in $100M-$1B

Top Weaknesses (6 metrics)

2511
Delinquency Rate
credit_quality
Value: 3.51%
Peer Median: 0.92%
#2511 of 2633 Bottom 4.7% in $100M-$1B
2512
Efficiency Ratio
profitability
Value: 91.36%
Peer Median: 64.48%
#2512 of 2643 Bottom 5.0% in $100M-$1B
2465
Return on Assets
profitability
Value: 0.27%
Peer Median: 1.32%
#2465 of 2643 Bottom 6.8% in $100M-$1B
2434
Net Interest Margin
profitability
Value: 2.91%
Peer Median: 3.99%
#2434 of 2643 Bottom 7.9% in $100M-$1B
2361
Total Loans
size
Value: $80.73M
Peer Median: $258.35M
#2361 of 2643 Bottom 10.7% in $100M-$1B
2083
Nonperforming Asset Ratio
credit_quality
Value: 0.96%
Peer Median: 0.67%
#2083 of 2643 Bottom 21.2% in $100M-$1B
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