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Louisiana National Bank

Ruston, LA · Cert 15059 · Louisiana Bancshares Inc.

National charter · OCC · 9 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

25

Q2 2024Q2 2026peer median (50)

Asset Quality

37

Q2 2024Q2 2026peer median (50)

Profitability

95

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

68

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

Louisiana National Bank

Ruston, LA · Cert 15059 · Louisiana Bancshares Inc.

National charter · OCC · 9 branches

Q2 2026

$474.0MAssets
$419.4MLoans
$413.7MDeposits
$49.1MEquity
Loan mix
90%RE $372.3M9%C&I $38.1M0%Consumer $1.4MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $298.9M28%Noninterest $114.9MQ2 2025Q2 2026

NIM

6.70%Q2 ’247.33%Q2 ’257.30%Q2 ’26+25%+6%

Non-interest income vs. expense

3.49%Q2 ’243.75%Q2 ’253.55%Q2 ’26+7%-1%

Market Position · Monroe, LA · 2026 SOD (annual) · 1.8% share · #15 of 20 inst. · $0.1B of $6.2B

6.1% Lincoln
33.3% Bienville
1.5% Ouachita
0.3% East Baton Rouge

Executive Summary

  • Earnings: ROA of 1.87%, up 35 bps year over year; NIM at 5.68%.
  • Asset quality: problem loans at 1.41% of loans (-25 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.49%, up 74 bps from a year ago.
  • Funding: loans stand at 101.37% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.87%+35 bps YoY

Net Interest Margin (YTD, annualized)

5.68%+30 bps YoY

Efficiency Ratio (YTD, annualized)

58.19%-452 bps YoY

Tier 1 Leverage Ratio

10.49%+74 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.53%1.61%1.76%1.67%1.87%+35 bps
Return on Equity16.34%17.16%18.70%17.33%18.91%+257 bps
Net Interest Margin5.38%5.43%5.35%5.44%5.68%+30 bps
Efficiency Ratio62.70%61.96%60.18%60.80%58.19%-452 bps
Non-Interest Burden3.15%3.14%2.98%3.16%3.13%-3 bps
Growth
Asset Growth (YoY)-1.65%0.45%7.59%5.40%5.67%+731 bps
Loan Growth (YoY)-3.15%-1.48%5.97%6.24%8.98%+1,213 bps
Deposit Growth (YoY)-2.20%0.14%7.17%4.48%4.17%+637 bps
Asset Quality
Nonperforming Loans / Loans1.67%1.70%1.07%1.44%1.41%-25 bps
Net Charge-Offs / Loans0.13%0.11%0.10%0.02%0.01%-12 bps
Allowance / Loans1.11%1.10%1.03%1.07%1.07%-4 bps
Allowance Coverage of NPLs0.7x0.6x1.0x0.7x0.8x+0.1x
Capital
Tier 1 Leverage Ratio9.75%9.78%9.79%9.86%10.49%+74 bps
Total Risk-Based Capital9.75%9.78%9.79%9.86%10.49%+74 bps
Equity / Assets9.56%9.63%9.47%9.86%10.35%+78 bps
Liquidity & Funding
Loans / Deposits96.90%97.31%98.11%98.52%101.37%+447 bps
Liquid Assets / Assets2.08%2.26%1.35%1.58%0.34%-174 bps
CRE / Total Capitaln/a557%569%565%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

Louisiana National Bank

Ruston, LA · Cert 15059 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Louisiana Bancshares Inc.

National charter · OCC · 9 branches

Q2 2026

$474.0MAssets
$419.4MLoans
$413.7MDeposits
$49.1MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 99% of banks under $1B in assets operating in a single state (rank 9 of 746).
  • Widest gap: total risk-based capital ratio trails 87% of banks under $1B in assets operating in a single state (rank 652 of 746).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.88%

Rank 65 of 746

Net Interest Margin

5.68%

Rank 9 of 746

Efficiency Ratio

58.19%

Rank 243 of 746

Equity / Assets

10.35%

Rank 389 of 746

Non-interest income vs. expense

$2.0M$16.6MINCOMEEXPENSE
Unfavorable gap of $14.6M · efficiency ratio beats 68% of banks under $1B in assets operating in a single state
Bank 58.19%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.88%0.72%1.06%1.45%Beats 91%65 / 746
Return on Equity18.15%6.74%10.51%13.63%Beats 94%48 / 746
Net Interest Margin5.68%3.17%3.68%4.16%Beats 99%9 / 746
Efficiency Ratio58.19%55.74%64.58%75.47%Beats 68%243 / 746
Asset Quality
Nonperforming Loans / Loans1.41%0.09%0.42%1.07%Beats 18%610 / 743
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 55%335 / 743
Capital
Tier 1 Capital Ratio10.49%11.55%13.75%17.60%Beats 14%642 / 746
Total Risk-Based Capital Ratio10.49%11.71%14.33%18.43%Beats 13%652 / 746
Equity / Assets10.35%8.90%10.51%13.06%Beats 48%389 / 746
Liquidity & Funding
Loans / Deposits101.37%61.31%78.27%90.78%91st pctl67 / 746
Loans / Assets88.47%53.60%66.97%76.08%98th pctl13 / 746
Brokered Deposits / Depositsn/aNot reported for this institution