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Letter portraitLegal landscapeQuarterYTD

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