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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 $5.5MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $574.4M27%Noninterest $217.2MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.94%1.00%1.00%1.05%1.22%+28 bps
Return on Equity21.44%21.42%20.27%16.39%18.60%-284 bps
Net Interest Margin2.63%2.65%2.66%2.71%2.88%+25 bps
Efficiency Ratio61.01%59.52%59.28%58.10%54.63%-639 bps
Non-Interest Burden1.48%1.42%1.41%1.38%1.35%-13 bps
Growth
Asset Growth (YoY)-5.96%-4.19%7.96%3.86%6.63%+1,259 bps
Loan Growth (YoY)-1.97%3.30%8.73%8.60%3.86%+582 bps
Deposit Growth (YoY)3.96%5.82%6.63%1.15%3.53%-42 bps
Asset Quality
Nonperforming Loans / Loans0.24%0.27%0.26%1.47%0.01%-23 bps
Net Charge-Offs / Loans0.02%0.06%0.06%0.00%-0.01%-2 bps
Allowance / Loans0.53%0.47%0.49%0.50%0.52%0 bps
Allowance Coverage of NPLs2.2x1.7x1.9x0.3x64.1x+61.9x
Capital
Tier 1 Leverage Ratio9.45%9.43%9.70%10.09%10.13%+69 bps
Total Risk-Based Capital21.65%9.43%9.70%10.09%10.13%-1,152 bps
Equity / Assets4.10%5.61%5.93%6.90%6.91%+280 bps
Liquidity & Funding
Loans / Deposits35.40%36.85%34.33%36.16%35.51%+11 bps
Liquid Assets / Assets9.79%10.89%14.27%11.85%11.33%+154 bps
CRE / Total Capitaln/a224%214%201%n/an/a