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Bom Bank

Natchitoches, LA · Cert 1373 · Grant Bancshares Inc.

State charter, non-member · FDIC · 26 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 regionally3

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 regionally (n=176). 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

27

Q2 2024Q2 2026peer median (50)

Asset Quality

29

Q2 2024Q2 2026peer median (50)

Profitability

37

Q2 2024Q2 2026peer median (50)

Liquidity

86

Q2 2024Q2 2026peer median

Efficiency

20

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

Bom Bank

Natchitoches, LA · Cert 1373 · Grant Bancshares Inc.

State charter, non-member · FDIC · 26 branches

Q2 2026

$1.6BAssets
$1.2BLoans
$1.4BDeposits
$167.0MEquity
Loan mix
86%RE $981.1M13%C&I $147.3M1%Consumer $14.6MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $1.2B16%Noninterest $0.2BQ2 2025Q2 2026

NIM

5.71%Q2 ’245.96%Q2 ’255.70%Q2 ’26+6%-1%

Non-interest income vs. expense

2.77%Q2 ’242.95%Q2 ’252.93%Q2 ’26+13%+59%

Market Position · Alexandria, LA · 2026 SOD (annual) · 2.9% share · #10 of 15 inst. · $0.1B of $3.4B

54.7% Natchitoches
11.3% Sabine
2.4% Rapides
9.5% Shelby

Executive Summary

  • Earnings: ROA of 1.00%, down 67 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 0.86% of loans (-73 bps YoY), with net charge-offs at 0.19%.
  • Capital: tier 1 leverage ratio of 10.64%, down 68 bps from a year ago.
  • Funding: loans stand at 87.30% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.00%-67 bps YoY

Net Interest Margin (YTD, annualized)

3.66%-3 bps YoY

Efficiency Ratio (YTD, annualized)

68.54%+1,232 bps YoY

Tier 1 Leverage Ratio

10.64%-68 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.68%1.57%1.24%1.26%1.00%-67 bps
Return on Equity15.38%14.26%11.38%11.88%9.53%-585 bps
Net Interest Margin3.69%3.78%3.74%3.70%3.66%-3 bps
Efficiency Ratio56.22%56.76%61.22%64.20%68.54%+1,232 bps
Non-Interest Burden1.48%1.67%1.88%2.09%2.37%+88 bps
Growth
Asset Growth (YoY)26.22%17.15%5.35%12.07%16.44%-978 bps
Loan Growth (YoY)24.59%22.41%7.42%12.69%16.55%-804 bps
Deposit Growth (YoY)19.88%14.74%2.76%10.86%18.24%-164 bps
Asset Quality
Nonperforming Loans / Loans1.59%1.43%1.18%1.24%0.86%-73 bps
Net Charge-Offs / Loans0.31%0.41%0.36%0.29%0.19%-12 bps
Allowance / Loans0.73%0.68%0.80%0.78%0.76%+3 bps
Allowance Coverage of NPLs0.5x0.5x0.7x0.6x0.9x+0.4x
Capital
Tier 1 Leverage Ratio11.31%11.29%10.80%10.97%10.64%-68 bps
Total Risk-Based Capital11.31%11.29%10.80%10.97%10.64%-68 bps
Equity / Assets11.33%11.26%10.42%10.84%10.38%-96 bps
Liquidity & Funding
Loans / Deposits88.56%87.21%85.05%87.11%87.30%-126 bps
Liquid Assets / Assets1.83%2.48%4.69%3.43%4.90%+307 bps
CRE / Total Capitaln/a351%378%366%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

Bom Bank

Natchitoches, LA · Cert 1373 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Grant Bancshares Inc.

State charter, non-member · FDIC · 26 branches

Q2 2026

$1.6BAssets
$1.2BLoans
$1.4BDeposits
$167.0MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 56% of banks $1B-$10B in assets operating regionally (rank 78 of 176).
  • Widest gap: total risk-based capital ratio trails 88% of banks $1B-$10B in assets operating regionally (rank 155 of 176).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.97%

Rank 126 of 176

Net Interest Margin

3.66%

Rank 78 of 176

Efficiency Ratio

69.36%

Rank 141 of 176

Equity / Assets

10.38%

Rank 86 of 176

Non-interest income vs. expense

$8.8M$45.7MINCOMEEXPENSE
Unfavorable gap of $36.9M · efficiency ratio beats 20% of banks $1B-$10B in assets operating regionally
Bank 69.36%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.97%0.93%1.26%1.54%Beats 28%126 / 176
Return on Equity9.33%9.26%11.89%14.46%Beats 26%130 / 176
Net Interest Margin3.66%3.25%3.59%3.93%Beats 56%78 / 176
Efficiency Ratio69.36%52.79%59.55%67.66%Beats 20%141 / 176
Asset Quality
Nonperforming Loans / Loans0.86%0.30%0.64%1.32%Beats 38%110 / 176
Net Charge-Offs / Loans0.12%0.01%0.04%0.10%Beats 19%144 / 176
Capital
Tier 1 Capital Ratio10.64%11.15%12.72%14.15%Beats 18%145 / 176
Total Risk-Based Capital Ratio10.64%11.81%13.63%15.33%Beats 12%155 / 176
Equity / Assets10.38%9.16%10.35%11.80%Beats 51%86 / 176
Liquidity & Funding
Loans / Deposits87.30%80.94%89.73%97.21%40th pctl105 / 176
Loans / Assets75.12%69.25%75.12%80.82%50th pctl88 / 176
Brokered Deposits / Depositsn/aNot reported for this institution