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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

7.04%Q2 ’246.80%Q2 ’256.47%Q2 ’26-4%-8%

Non-interest income vs. expense

4.13%Q2 ’243.83%Q2 ’254.68%Q2 ’26-4%+25%

Executive Summary

  • Earnings: ROA of 0.44%, down 74 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 (quarter, annualized)

0.44%-74 bps YoY

Net Interest Margin (quarter, annualized)

3.90%-32 bps YoY

Efficiency Ratio (quarter, annualized)

87.73%+1,748 bps YoY

Tier 1 Leverage Ratio

10.03%+62 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.18%0.90%0.63%1.11%0.44%-74 bps
Return on Equity13.08%9.64%6.43%11.26%4.46%-862 bps
Net Interest Margin4.22%4.25%4.10%3.95%3.90%-32 bps
Efficiency Ratio70.24%75.07%73.07%69.68%87.73%+1,748 bps
Non-Interest Burden2.58%3.08%2.82%2.39%3.24%+65 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 / Loans0.03%0.41%0.61%0.01%0.01%-2 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