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Evangeline Bank and Trust Company, The

Ville Platte, LA · Cert 12611 · Evangeline Bancshares Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets operating in a single state (n=257 to 258). 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

70

Q2 2024Q2 2026peer median (50)

Asset Quality

28

Q2 2024Q2 2026peer median (50)

Profitability

77

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

74

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

Evangeline Bank and Trust Company, The

Ville Platte, LA · Cert 12611 · Evangeline Bancshares Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$1.1BAssets
$929.9MLoans
$890.6MDeposits
$159.6MEquity
Loan mix
86%RE $754.2M10%C&I $87.7M4%Consumer $32.5MQ3 2024Q2 2026
Deposit mix
75%Interest-bearing $669.6M25%Noninterest $220.9MQ3 2024Q2 2026

Market Position · Alexandria, LA · 2026 SOD (annual) · 7.6% share · #3 of 15 inst. · $0.3B of $3.4B

50.5% Evangeline
7.9% Rapides
6.3% Acadia
0.7% Lafayette

Executive Summary

  • Earnings: ROA of 1.79%, up 30 bps year over year; NIM at 4.20%.
  • Asset quality: problem loans at 1.24% of loans (-19 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 14.22%, up 82 bps from a year ago.
  • Funding: loans stand at 104.42% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.79%+30 bps YoY

Net Interest Margin (YTD, annualized)

4.20%+26 bps YoY

Efficiency Ratio (YTD, annualized)

51.94%-120 bps YoY

Tier 1 Leverage Ratio

14.22%+82 bps YoY

NIM

6.01%Q2 ’246.15%Q2 ’256.19%Q2 ’260%+7%

Non-interest income vs. expense

2.44%Q2 ’242.37%Q2 ’252.50%Q2 ’26-12%+2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.38%1.32%1.42%1.49%1.49%1.55%2.06%1.79%+30 bps
Return on Equity10.34%9.99%10.89%11.33%11.23%11.69%15.10%12.93%+160 bps
Net Interest Margin3.94%3.88%3.88%3.94%4.00%4.00%4.13%4.20%+26 bps
Efficiency Ratio55.68%56.58%54.81%53.14%51.93%53.05%47.92%51.94%-120 bps
Non-Interest Burden2.04%2.05%1.99%1.85%1.86%1.93%1.52%1.89%+4 bps
Growth
Asset Growth (YoY)5.77%9.36%8.00%7.19%7.64%4.72%3.52%1.35%-584 bps
Loan Growth (YoY)6.10%5.15%6.44%5.42%3.87%3.25%1.28%1.79%-363 bps
Deposit Growth (YoY)7.32%11.72%10.04%8.27%9.46%5.04%4.06%1.38%-689 bps
Asset Quality
Nonperforming Loans / Loans1.47%1.57%1.66%1.44%2.19%1.23%1.31%1.24%-19 bps
Net Charge-Offs / Loans0.05%0.05%-0.02%0.22%0.21%0.27%0.01%0.05%-16 bps
Allowance / Loans1.43%1.48%1.48%1.44%1.48%1.42%1.42%1.39%-5 bps
Allowance Coverage of NPLs1.0x0.9x0.9x1.0x0.7x1.2x1.1x1.1x+0.1x
Capital
Tier 1 Leverage Ratio13.70%13.26%13.17%13.41%13.65%13.42%13.94%14.22%+82 bps
Total Risk-Based Capital13.70%13.26%13.17%13.41%13.65%13.42%13.94%14.22%+82 bps
Equity / Assets13.55%12.92%13.17%13.34%13.59%13.39%13.91%14.33%+99 bps
Liquidity & Funding
Loans / Deposits109.27%102.55%104.15%104.00%103.69%100.80%101.37%104.42%+42 bps
Liquid Assets / Assets2.11%4.37%2.80%3.15%3.21%3.75%1.84%1.93%-122 bps
CRE / Total Capitaln/an/an/an/a286%278%268%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

Evangeline Bank and Trust Company, The

Ville Platte, LA · Cert 12611 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Evangeline Bancshares Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$1.1BAssets
$929.9MLoans
$890.6MDeposits
$159.6MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 91% of banks $1B-$10B in assets operating in a single state (rank 22 of 258).
  • Widest gap: nonperforming loans / loans trails 82% of banks $1B-$10B in assets operating in a single state (rank 213 of 258).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.80%

Rank 31 of 258

Net Interest Margin

4.20%

Rank 33 of 258

Efficiency Ratio

51.94%

Rank 67 of 257

Equity / Assets

14.33%

Rank 22 of 258

Non-interest income vs. expense

$6.8M$28.1MINCOMEEXPENSE
Unfavorable gap of $21.3M · efficiency ratio beats 74% of banks $1B-$10B in assets operating in a single state
Bank 51.94%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.80%0.93%1.23%1.54%Beats 88%31 / 258
Return on Equity12.56%9.26%11.84%14.74%Beats 57%112 / 258
Net Interest Margin4.20%3.16%3.49%3.88%Beats 87%33 / 258
Efficiency Ratio51.94%51.71%60.30%69.65%Beats 74%67 / 257
Asset Quality
Nonperforming Loans / Loans1.24%0.19%0.46%0.90%Beats 18%213 / 258
Net Charge-Offs / Loans0.04%0.01%0.02%0.07%Beats 38%160 / 258
Capital
Tier 1 Capital Ratio14.22%11.41%12.98%15.12%Beats 67%84 / 258
Total Risk-Based Capital Ratio14.22%12.10%13.91%16.08%Beats 53%122 / 258
Equity / Assets14.33%9.09%10.24%11.72%Beats 91%22 / 258
Liquidity & Funding
Loans / Deposits104.42%73.24%86.34%95.95%91st pctl24 / 258
Loans / Assets83.49%63.01%72.27%78.40%91st pctl24 / 258
Brokered Deposits / Depositsn/aNot reported for this institution