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Caldwell Bank & Trust Company

Columbia, LA · Cert 11785 · Caldwell Holding Co.

State charter, non-member · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

19

Q2 2024Q2 2026peer median (50)

Asset Quality

17

Q2 2024Q2 2026peer median (50)

Profitability

40

Q2 2024Q2 2026peer median (50)

Liquidity

53

Q2 2024Q2 2026peer median

Efficiency

19

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Caldwell Bank & Trust Company

Columbia, LA · Cert 11785 · Caldwell Holding Co.

State charter, non-member · FDIC · 2 affiliate banks · 6 branches (17 in holding)

Q2 2026

$298.6MAssets
$228.3MLoans
$257.6MDeposits
$29.5MEquity
Loan mix
89%RE $155.1M7%C&I $11.5M5%Consumer $8.1MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $219.4M15%Noninterest $38.2MQ2 2025Q2 2026

NIM

6.67%Q2 ’246.71%Q2 ’256.30%Q2 ’26+0%-7%

Non-interest income vs. expense

3.80%Q2 ’243.65%Q2 ’254.10%Q2 ’26-1%+1%

Executive Summary

  • Earnings: ROA of 0.77%, down 31 bps year over year; NIM at 3.90%.
  • Asset quality: problem loans at 2.86% of loans (+69 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.03%, up 62 bps from a year ago.
  • Funding: loans stand at 88.63% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.77%-31 bps YoY

Net Interest Margin (YTD, annualized)

3.90%-31 bps YoY

Efficiency Ratio (YTD, annualized)

78.94%+715 bps YoY

Tier 1 Leverage Ratio

10.03%+62 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.08%1.03%0.93%1.11%0.77%-31 bps
Return on Equity12.12%11.26%10.05%11.26%7.82%-430 bps
Net Interest Margin4.21%4.21%4.24%3.95%3.90%-31 bps
Efficiency Ratio71.80%72.83%72.88%69.68%78.94%+715 bps
Non-Interest Burden2.77%2.86%2.89%2.39%2.80%+3 bps
Growth
Asset Growth (YoY)4.17%-1.40%2.83%0.94%0.69%-348 bps
Loan Growth (YoY)8.28%3.68%-3.75%-3.59%-3.55%-1,182 bps
Deposit Growth (YoY)2.59%-5.55%1.45%-0.19%-0.11%-270 bps
Asset Quality
Nonperforming Loans / Loans2.17%2.22%3.28%3.58%2.86%+69 bps
Net Charge-Offs / Loans0.15%0.24%0.36%0.01%0.01%-14 bps
Allowance / Loans1.12%1.05%1.20%1.18%1.15%+2 bps
Allowance Coverage of NPLs0.5x0.5x0.4x0.3x0.4x-0.1x
Capital
Tier 1 Leverage Ratio9.41%9.63%9.80%10.03%10.03%+62 bps
Total Risk-Based Capital9.41%9.63%9.80%10.03%10.03%+62 bps
Equity / Assets9.08%9.66%9.87%9.86%9.87%+78 bps
Liquidity & Funding
Loans / Deposits91.79%92.13%80.81%83.73%88.63%-316 bps
Liquid Assets / Assets6.45%5.76%13.79%10.63%8.57%+212 bps
CRE / Total Capitaln/a281%229%221%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Caldwell Bank & Trust Company

Columbia, LA · Cert 11785 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Caldwell Holding Co.

State charter, non-member · FDIC · 2 affiliate banks · 6 branches (17 in holding)

Q2 2026

$298.6MAssets
$228.3MLoans
$257.6MDeposits
$29.5MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 61% of banks under $1B in assets operating in a single state (rank 293 of 746).
  • Widest gap: nonperforming loans / loans trails 94% of banks under $1B in assets operating in a single state (rank 700 of 743).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.76%

Rank 543 of 746

Net Interest Margin

3.90%

Rank 293 of 746

Efficiency Ratio

78.94%

Rank 605 of 746

Equity / Assets

9.87%

Rank 447 of 746

Non-interest income vs. expense

$3.8M$12.1MINCOMEEXPENSE
Unfavorable gap of $8.2M · efficiency ratio beats 19% of banks under $1B in assets operating in a single state
Bank 78.94%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.76%0.72%1.06%1.45%Beats 27%543 / 746
Return on Equity7.65%6.74%10.51%13.63%Beats 31%513 / 746
Net Interest Margin3.90%3.17%3.68%4.16%Beats 61%293 / 746
Efficiency Ratio78.94%55.74%64.58%75.47%Beats 19%605 / 746
Asset Quality
Nonperforming Loans / Loans2.86%0.09%0.42%1.07%Beats 6%700 / 743
Net Charge-Offs / Loans0.04%0.00%0.01%0.05%Beats 27%541 / 743
Capital
Tier 1 Capital Ratio10.03%11.55%13.75%17.60%Beats 9%681 / 746
Total Risk-Based Capital Ratio10.03%11.71%14.33%18.43%Beats 8%684 / 746
Equity / Assets9.87%8.90%10.51%13.06%Beats 40%447 / 746
Liquidity & Funding
Loans / Deposits88.63%61.31%78.27%90.78%71st pctl218 / 746
Loans / Assets76.47%53.60%66.97%76.08%76th pctl178 / 746
Brokered Deposits / Depositsn/aNot reported for this institution