Currency Bank: how it compares with its peers
Against 47 LA banks with half to twice its assets, Currency Bank's strongest measure in Q2 2026 is efficiency ratio (49.59% vs. a 65.34% peer median). Its weakest relative measure is net interest margin (4.70% vs. 4.30%).
| Measure | Currency Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.95% | 1.15% | Top third Ahead of 94% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.70% | 4.30% | Top third Ahead of 81% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 49.59% | 65.34% | Top third Ahead of 96% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.7M | $5.8M | Top third Ahead of 81% of peers |
| Loans to deposits Net loans and leases over total deposits. | 93.00% | 79.18% | Context |
What it means for lending operations
Its efficiency ratio of 49.59% is better than the 65.34% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First National Bank USA Boutte, LA · $249M
- Anthem Bank & Trust Plaquemine, LA · $250M
- Bank of Abbeville & Trust Company Abbeville, LA · $245M
- Citizens Progressive Bank Winnsboro, LA · $243M
- Hibernia Bank New Orleans, LA · $257M
Questions about Currency Bank
How big is Currency Bank?
Currency Bank, established in 1999, is headquartered in Baton Rouge, LA. It reported $249M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Currency Bank's return on assets?
1.95% annualized in Q2 2026, against a 1.15% median for 47 LA banks with half to twice its assets, ahead of 94% of them.
What is Currency Bank's efficiency ratio?
49.59% in Q2 2026: it spent about 50 cents in noninterest expense for each dollar of revenue. The peer median is 65.34%, and lower is better.
Is Currency Bank growing its loans?
Net loans grew 17.6% over the year to Q2 2026, while deposits shrank 9.4%.
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.