Bank of Erath: how it compares with its peers
Against 25 LA banks with half to twice its assets, Bank of Erath's strongest measure in Q2 2026 is net interest margin (4.19% vs. a 4.19% peer median). Its weakest relative measure is return on assets (0.18% vs. 1.34%).
| Measure | Bank of Erath | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.18% | 1.34% | Bottom third Ahead of 4% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.19% | 4.19% | Middle third Ahead of 52% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 92.59% | 65.13% | Bottom third Ahead of 4% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.9M | $5.4M | Bottom third Ahead of 12% of peers |
| Loans to deposits Net loans and leases over total deposits. | 47.42% | 78.78% | Context |
What it means for lending operations
Its efficiency ratio of 92.59% is above the 65.13% 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
- Beauregard Federal Savings Bank Deridder, LA · $106M
- Bank of Louisiana New Orleans, LA · $110M
- Sicily Island State Bank Sicily Island, LA · $92M
- Eureka Homestead Metairie, LA · $89M
- Progressive National Bank Mansfield, LA · $123M
- Basile State Bank Basile, LA · $87M
Questions about Bank of Erath
How big is Bank of Erath?
Bank of Erath, established in 1910, is headquartered in Erath, LA. It reported $105M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Bank of Erath's return on assets?
0.18% annualized in Q2 2026, against a 1.34% median for 25 LA banks with half to twice its assets, ahead of 4% of them.
What is Bank of Erath's efficiency ratio?
92.59% in Q2 2026: it spent about 93 cents in noninterest expense for each dollar of revenue. The peer median is 65.13%, and lower is better.
Is Bank of Erath growing its loans?
Net loans shrank 23.0% over the year to Q2 2026, while deposits shrank 1.2%.
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.