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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

$1.1BAssets
$929.9MLoans
$890.6MDeposits
$159.6MEquity
Loan mix
86%RE $754.2M10%C&I $87.7M4%Consumer $32.5MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $669.6M25%Noninterest $220.9MQ2 2025Q2 2026

NIM

6.13%Q2 ’246.24%Q2 ’256.27%Q2 ’26+1%+6%

Non-interest income vs. expense

2.55%Q2 ’242.46%Q2 ’252.60%Q2 ’26-21%+30%

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 1.53%, down 3 bps year over year; NIM at 4.30%.
  • Asset quality: problem loans at 1.24% of loans (-19 bps YoY), with net charge-offs at 0.10%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

1.53%-3 bps YoY

Net Interest Margin (quarter, annualized)

4.30%+26 bps YoY

Efficiency Ratio (quarter, annualized)

56.27%+458 bps YoY

Tier 1 Leverage Ratio

14.22%+82 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.56%1.48%1.74%2.06%1.53%-3 bps
Return on Equity11.77%11.03%12.91%15.10%10.81%-95 bps
Net Interest Margin4.04%4.20%4.14%4.13%4.30%+26 bps
Efficiency Ratio51.69%49.57%56.37%47.92%56.27%+458 bps
Non-Interest Burden1.74%1.91%2.19%1.52%2.27%+53 bps
Growth
Asset Growth (YoY)7.19%7.64%4.72%3.52%1.35%-584 bps
Loan Growth (YoY)5.42%3.87%3.25%1.28%1.79%-363 bps
Deposit Growth (YoY)8.27%9.46%5.04%4.06%1.38%-689 bps
Asset Quality
Nonperforming Loans / Loans1.44%2.19%1.23%1.31%1.24%-19 bps
Net Charge-Offs / Loans0.46%0.19%0.45%0.01%0.10%-36 bps
Allowance / Loans1.44%1.48%1.42%1.42%1.39%-5 bps
Allowance Coverage of NPLs1.0x0.7x1.2x1.1x1.1x+0.1x
Capital
Tier 1 Leverage Ratio13.41%13.65%13.42%13.94%14.22%+82 bps
Total Risk-Based Capital13.41%13.65%13.42%13.94%14.22%+82 bps
Equity / Assets13.34%13.59%13.39%13.91%14.33%+99 bps
Liquidity & Funding
Loans / Deposits104.00%103.69%100.80%101.37%104.42%+42 bps
Liquid Assets / Assets3.15%3.21%3.75%1.84%1.93%-122 bps
CRE / Total Capitaln/a286%278%268%n/an/a