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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

6.95%Q2 ’247.40%Q2 ’257.42%Q2 ’26+20%+6%

Non-interest income vs. expense

3.50%Q2 ’243.77%Q2 ’253.54%Q2 ’26+11%-5%

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 2.07%, up 50 bps year over year; NIM at 5.86%.
  • Asset quality: problem loans at 1.41% of loans (-25 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

2.07%+50 bps YoY

Net Interest Margin (quarter, annualized)

5.86%+34 bps YoY

Efficiency Ratio (quarter, annualized)

55.78%-640 bps YoY

Tier 1 Leverage Ratio

10.49%+74 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.57%1.80%2.22%1.67%2.07%+50 bps
Return on Equity16.71%18.71%23.21%17.33%20.50%+380 bps
Net Interest Margin5.52%5.64%5.75%5.44%5.86%+34 bps
Efficiency Ratio62.17%60.53%55.42%60.80%55.78%-640 bps
Non-Interest Burden3.23%3.19%2.86%3.16%3.06%-17 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 / Loans0.27%0.06%0.12%0.02%0.00%-27 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