Eureka Homestead: how it compares with its peers
Against 22 LA banks with half to twice its assets, Eureka Homestead's strongest measure in Q2 2026 is assets per employee ($9.9M vs. a $4.8M peer median). Its weakest relative measure is net interest margin (1.39% vs. 4.19%).
| Measure | Eureka Homestead | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.53% | 1.12% | Bottom third Ahead of 5% of peers |
| Net interest margin Annualized net interest income over earning assets. | 1.39% | 4.19% | Bottom third Ahead of 0% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 141.28% | 70.07% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.9M | $4.8M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 128.84% | 72.74% | Context |
What it means for lending operations
Its efficiency ratio of 141.28% is above the 70.07% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Basile State Bank Basile, LA · $87M
- Sicily Island State Bank Sicily Island, LA · $92M
- Peoples Bank Chatham, LA · $86M
- The Bank of Commerce White Castle, LA · $81M
- Bank of Erath Erath, LA · $105M
- Beauregard Federal Savings Bank Deridder, LA · $106M
Questions about Eureka Homestead
How big is Eureka Homestead?
Eureka Homestead, established in 1884, is headquartered in Metairie, LA. It reported $89M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Eureka Homestead's return on assets?
-0.53% annualized in Q2 2026, against a 1.12% median for 22 LA banks with half to twice its assets, ahead of 5% of them.
What is Eureka Homestead's efficiency ratio?
141.28% in Q2 2026: it spent about 141 cents in noninterest expense for each dollar of revenue. The peer median is 70.07%, and lower is better.
Is Eureka Homestead growing its loans?
Net loans shrank 6.3% over the year to Q2 2026, while deposits shrank 14.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are LA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Louisiana bank ranked.