Catalyst Bank: how it compares with its peers
Against 49 LA banks with half to twice its assets, Catalyst Bank's strongest measure in Q2 2026 is assets per employee ($5.9M vs. a $5.8M peer median). Its weakest relative measure is efficiency ratio (75.22% vs. 65.34%).
| Measure | Catalyst Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.93% | 1.25% | Middle third Ahead of 37% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.01% | 4.30% | Middle third Ahead of 35% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 75.22% | 65.34% | Bottom third Ahead of 31% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.9M | $5.8M | Middle third Ahead of 59% of peers |
| Loans to deposits Net loans and leases over total deposits. | 79.84% | 79.00% | Context |
What it means for lending operations
Its efficiency ratio of 75.22% is above the 65.34% 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
- St. Landry Bank and Trust Company Opelousas, LA · $295M
- Caldwell Bank & Trust Company Columbia, LA · $299M
- American Bank & Trust Company Opelousas, LA · $267M
- Washington State Bank Washington, LA · $309M
- Hibernia Bank New Orleans, LA · $257M
- Bank of Coushatta Coushatta, LA · $317M
Questions about Catalyst Bank
How big is Catalyst Bank?
Catalyst Bank, established in 1922, is headquartered in Opelousas, LA. It reported $287M in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Catalyst Bank's return on assets?
0.93% annualized in Q2 2026, against a 1.25% median for 49 LA banks with half to twice its assets, ahead of 37% of them.
What is Catalyst Bank's efficiency ratio?
75.22% in Q2 2026: it spent about 75 cents in noninterest expense for each dollar of revenue. The peer median is 65.34%, and lower is better.
Is Catalyst Bank growing its loans?
Net loans shrank 2.7% over the year to Q2 2026, while deposits grew 6.7%.
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.