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b1BANK
Baton Rouge, LA·FDIC Cert #58228·Charter: STATE·Est. 20060201.0·HC: BUSINESS FIRST BANCSHARES INC
Total Assets
$8.2B
Q4 2025
Return on Assets
1.23%
+0.00%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
58.76%
Peer avg: 56.9%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
55
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.23%+0.00
ROE
10.56%-0.02
Efficiency
58.76%+0.03
Equity/Assets
0.00%+0.00
NPL Ratio
1.25%+0.42
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
91.38%-0.15
Charge-offs
0.19%+0.09
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.0 | 1.1 | 1.1 | 1.1 | 1.1 | 1.2 | 1.2 | 1.2 |
| ROE | 8.9 | 9.8 | 10.0 | 9.6 | 10.1 | 10.4 | 10.6 | 10.6 |
| Efficiency | 64.7 | 62.9 | 61.9 | 61.6 | 60.5 | 59.8 | 58.7 | 58.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.4 | 0.5 | 0.4 | 0.7 | 1.0 | 0.8 | 1.2 |
| Charge-offs | 0.0 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.2 |
| Loan/Deposit | 90.4 | 91.8 | 91.6 | 90.8 | 91.5 | 93.1 | 91.5 | 91.4 |
Balance Sheet
Total Assets$8.2B
Total Deposits$6.7B
Total Loans$6.1B
Total Equity$969.2M
Profitability
ROA1.23%
ROE10.56%
Efficiency Ratio58.76%
Net Income$97.5M
Risk & Asset Quality
NPL Ratio1.25%
Charge-off Rate0.19%
Loan/Deposit91.38%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans