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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