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BDI
BF

Beauregard Federal Savings Bank

Deridder, LouisianaFDIC Cert #30339

OCCEstablished 19482 branches

Holding company: HOMELAND BANCSHARES INCRegulator: OCC

FDICCERT + OFFDOM

Profitability, margin & efficiency

Performance

Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.

As of Q1 2026

Returns & margin

Annualized returns and the economics of earning assets and paid funding.

ROA
1.23%
+158.4%y/y
Peer standing89th percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICNETINC + ROA
ROE
10.48%
+201.9%y/y
Peer standing87th percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICNETINC + ROE
Pretax ROA
1.23%
+158.4%y/y
Peer standing83rd percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICPTAXNETINC + ASSET
NIM
5.06%
+8.5%y/y
Peer standing97th percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICNIM + NIMY
Earning yield
7.26%
+11.7%y/y
Peer standing98th percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICINTINCY
IB deposit cost
2.63%
+19.1%y/y
Peer standing34th percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICEINTEXP + DEPIDOM

Efficiency & growth

Operating productivity and year-over-year balance-sheet momentum.

Efficiency
67.15%
−16.1%y/y
Peer standing80th percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICNONIX + NIM + NONII + EEFFR
Expense/assets
3.57%
−10.5%y/y
Peer standing17th percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICNONIX + ASSET
Fee share
3.33%
−35.5%y/y
Percentile by value15th percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICNONII + NIM
Assets YoY
+28.11%
+165.1%y/y
Percentile by value98th percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICASSET
Deposits YoY
+22.56%
+193.5%y/y
Percentile by value98th percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICDEP
Loans YoY
+39.43%
+139.6%y/y
Percentile by value99th percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICLNLSNET

How this bank compares

Switch cohorts or expand any row to inspect the full distribution.

UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDICNETINC + ROA
89th percentileToggle ROA distribution

Distribution histogram for ROA, with this bank marked when a value is reported.

10th −0.29%Median 0.54%90th 1.29%Observations 122
ROE
FDICNETINC + ROE
86th percentileToggle ROE distribution

Distribution histogram for ROE, with this bank marked when a value is reported.

10th −2.92%Median 3.81%90th 10.96%Observations 122
NIM
FDICNIM + NIMY
97th percentileToggle NIM distribution

Distribution histogram for NIM, with this bank marked when a value is reported.

10th 2.30%Median 3.25%90th 4.34%Observations 122
Efficiency
FDICNONIX + NIM + NONII + EEFFR
80th percentileToggle Efficiency distribution

Distribution histogram for Efficiency, with this bank marked when a value is reported.

10th 63.44%Median 82.11%90th 104.64%Observations 122
Deposits YoY
FDICDEP
97th percentileby valueToggle Deposits YoY distribution

Distribution histogram for Deposits YoY, with this bank marked when a value is reported.

10th −3.92%Median +1.92%90th +10.47%Observations 122
Loans YoY
FDICLNLSNET
98th percentileby valueToggle Loans YoY distribution

Distribution histogram for Loans YoY, with this bank marked when a value is reported.

10th −4.29%Median +3.30%90th +13.67%Observations 117
Noncurrent %
FDICP9ASSET + NAASSET + LNLSGR
94th percentileToggle Noncurrent % distribution

Distribution histogram for Noncurrent %, with this bank marked when a value is reported.

10th 0.02%Median 0.53%90th 1.78%Observations 117
Leverage
FDICRBC1AAJ
21st percentileToggle Leverage distribution

Distribution histogram for Leverage, with this bank marked when a value is reported.

10th 8.93%Median 12.23%90th 24.78%Observations 122

Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.

IB deposit cost
FDICEINTEXP + DEPIDOM
34th percentileToggle IB deposit cost distribution

Distribution histogram for IB deposit cost, with this bank marked when a value is reported.

10th 1.29%Median 2.36%90th 3.68%Observations 121
CRE/capital
FDICLNRENROT + LNREMULT + LNRECONS + RBC
Toggle CRE/capital distribution

Distribution histogram for CRE/capital, with this bank marked when a value is reported.

10th 2%Median 49%90th 174%Observations 58

Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.

Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.