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Sicily Island State Bank

Sicily Island, LA · Cert 12722

State charter, non-member · FDIC · 2 branches

Q2 2026

$92.4MAssets
$73.3MLoans
$72.9MDeposits
$12.1MEquity
Loan mix
87%RE $62.6M9%C&I $6.5M4%Consumer $3.0MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $64.5M12%Noninterest $8.4MQ2 2025Q2 2026

NIM

7.07%Q2 ’246.99%Q2 ’256.91%Q2 ’26+0%-6%

Non-interest income vs. expense

4.12%Q2 ’243.26%Q2 ’253.18%Q2 ’26-25%+3%

Executive Summary

  • Earnings: ROA of 1.41%, down 42 bps year over year; NIM at 4.48%.
  • Asset quality: problem loans at 0.13% of loans (-105 bps YoY), with net recoveries of 0.05%.
  • Capital: tier 1 leverage ratio of 13.19%, down 16 bps from a year ago.
  • Funding: loans stand at 100.59% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.41%-42 bps YoY

Net Interest Margin (YTD, annualized)

4.48%-29 bps YoY

Efficiency Ratio (YTD, annualized)

63.50%+388 bps YoY

Tier 1 Leverage Ratio

13.19%-16 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.82%1.80%1.78%1.40%1.41%-42 bps
Return on Equity13.88%13.67%13.72%11.32%11.16%-272 bps
Net Interest Margin4.77%4.79%4.59%4.35%4.48%-29 bps
Efficiency Ratio59.62%59.54%59.65%64.27%63.50%+388 bps
Non-Interest Burden2.56%2.57%2.48%2.60%2.65%+9 bps
Growth
Asset Growth (YoY)-4.05%4.68%12.27%8.35%13.51%+1,755 bps
Loan Growth (YoY)10.82%5.96%4.26%2.60%-0.80%-1,163 bps
Deposit Growth (YoY)-6.66%0.69%11.06%9.02%18.98%+2,564 bps
Asset Quality
Nonperforming Loans / Loans1.18%0.46%0.14%0.22%0.13%-105 bps
Net Charge-Offs / Loans0.03%0.04%0.04%-0.03%-0.05%-8 bps
Allowance / Loans0.98%0.96%0.98%0.96%1.01%+3 bps
Allowance Coverage of NPLs0.8x2.1x6.9x4.4x7.6x+6.8x
Capital
Tier 1 Leverage Ratio13.35%13.83%12.34%12.56%13.19%-16 bps
Total Risk-Based Capital13.35%13.83%12.34%12.56%13.19%-16 bps
Equity / Assets14.05%13.24%12.32%12.45%13.09%-96 bps
Liquidity & Funding
Loans / Deposits120.65%107.60%100.08%100.02%100.59%-2,006 bps
Liquid Assets / Assets0.02%10.92%14.82%13.09%12.85%+1,283 bps
CRE / Total Capitaln/a197.61%227%239%n/an/a