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Community Bank of Louisiana

Mansfield, LA · Cert 13951 · Mansfield Bancshares Inc.

State charter, non-member · FDIC · 12 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets operating in a single state (n=743 to 746). 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

8

Q2 2024Q2 2026peer median (50)

Asset Quality

77

Q2 2024Q2 2026peer median (50)

Profitability

57

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

77

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

Community Bank of Louisiana

Mansfield, LA · Cert 13951 · Mansfield Bancshares Inc.

State charter, non-member · FDIC · 12 branches

Q2 2026

$852.9MAssets
$281.1MLoans
$791.6MDeposits
$58.9MEquity
Loan mix
86%RE $239.5M12%C&I $33.7M2%Consumer $5.5MQ3 2024Q2 2026
Deposit mix
73%Interest-bearing $574.4M27%Noninterest $217.2MQ3 2024Q2 2026

Market Position · Shreveport-Bossier City, LA · 2026 SOD (annual) · 7.9% share · #6 of 23 inst. · $0.8B of $9.6B

60.2% De Soto
2.7% Caddo
5.0% Sabine
1.2% Bossier

Executive Summary

  • Earnings: ROA of 1.22%, up 28 bps year over year; NIM at 2.88%.
  • Asset quality: problem loans at 0.01% of loans (-23 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.13%, up 69 bps from a year ago.
  • Funding: loans stand at 35.51% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.22%+28 bps YoY

Net Interest Margin (YTD, annualized)

2.88%+25 bps YoY

Efficiency Ratio (YTD, annualized)

54.63%-639 bps YoY

Tier 1 Leverage Ratio

10.13%+69 bps YoY

NIM

4.18%Q2 ’243.98%Q2 ’254.16%Q2 ’26+13%+9%

Non-interest income vs. expense

1.72%Q2 ’241.81%Q2 ’251.85%Q2 ’26+12%-9%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.80%0.89%0.99%0.94%1.00%1.00%1.05%1.22%+28 bps
Return on Equity17.58%19.47%21.83%21.44%21.42%20.27%16.39%18.60%-284 bps
Net Interest Margin2.33%2.45%2.54%2.63%2.65%2.66%2.71%2.88%+25 bps
Efficiency Ratio62.82%59.06%59.88%61.01%59.52%59.28%58.10%54.63%-639 bps
Non-Interest Burden1.30%1.21%1.32%1.48%1.42%1.41%1.38%1.35%-13 bps
Growth
Asset Growth (YoY)16.47%0.51%-6.44%-5.96%-4.19%7.96%3.86%6.63%+1,259 bps
Loan Growth (YoY)6.24%-1.91%-4.84%-1.97%3.30%8.73%8.60%3.86%+582 bps
Deposit Growth (YoY)2.16%0.59%2.48%3.96%5.82%6.63%1.15%3.53%-42 bps
Asset Quality
Nonperforming Loans / Loans1.21%0.60%0.23%0.24%0.27%0.26%1.47%0.01%-23 bps
Net Charge-Offs / Loans0.00%0.25%0.03%0.02%0.06%0.06%0.00%-0.01%-2 bps
Allowance / Loans0.52%0.54%0.54%0.53%0.47%0.49%0.50%0.52%0 bps
Allowance Coverage of NPLs0.4x0.9x2.4x2.2x1.7x1.9x0.3x64.1x+61.9x
Capital
Tier 1 Leverage Ratio8.90%9.54%9.07%9.45%9.43%9.70%10.09%10.13%+69 bps
Total Risk-Based Capital20.35%21.99%21.04%21.65%9.43%9.70%10.09%10.13%-1,152 bps
Equity / Assets5.40%4.66%4.37%4.10%5.61%5.93%6.90%6.91%+280 bps
Liquidity & Funding
Loans / Deposits37.75%33.66%33.68%35.40%36.85%34.33%36.16%35.51%+11 bps
Liquid Assets / Assets14.63%14.97%12.94%9.79%10.89%14.27%11.85%11.33%+154 bps
CRE / Total Capitaln/an/an/an/a224%214%201%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

Community Bank of Louisiana

Mansfield, LA · Cert 13951 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Mansfield Bancshares Inc.

State charter, non-member · FDIC · 12 branches

Q2 2026

$852.9MAssets
$281.1MLoans
$791.6MDeposits
$58.9MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 93% of banks under $1B in assets operating in a single state (rank 51 of 746).
  • Widest gap: equity / assets trails 94% of banks under $1B in assets operating in a single state (rank 702 of 746).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.24%

Rank 274 of 746

Net Interest Margin

2.88%

Rank 641 of 746

Efficiency Ratio

54.63%

Rank 174 of 746

Equity / Assets

6.91%

Rank 702 of 746

Non-interest income vs. expense

$4.4M$16.3MINCOMEEXPENSE
Unfavorable gap of $11.9M · efficiency ratio beats 77% of banks under $1B in assets operating in a single state
Bank 54.63%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.24%0.72%1.06%1.45%Beats 63%274 / 746
Return on Equity17.90%6.74%10.51%13.63%Beats 93%51 / 746
Net Interest Margin2.88%3.17%3.68%4.16%Beats 14%641 / 746
Efficiency Ratio54.63%55.74%64.58%75.47%Beats 77%174 / 746
Asset Quality
Nonperforming Loans / Loans0.01%0.09%0.42%1.07%Beats 84%124 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 70%231 / 743
Capital
Tier 1 Capital Ratio10.13%11.55%13.75%17.60%Beats 10%672 / 746
Total Risk-Based Capital Ratio10.13%11.71%14.33%18.43%Beats 9%678 / 746
Equity / Assets6.91%8.90%10.51%13.06%Beats 6%702 / 746
Liquidity & Funding
Loans / Deposits35.51%61.31%78.27%90.78%3rd pctl720 / 746
Loans / Assets32.96%53.60%66.97%76.08%4th pctl715 / 746
Brokered Deposits / Depositsn/aNot reported for this institution