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Rayne State Bank & Trust Company

Rayne, LA · Cert 16075 · Financial Corp. of Louisiana

State charter, non-member · FDIC · 6 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

68

Q2 2024Q2 2026peer median (50)

Asset Quality

54

Q2 2024Q2 2026peer median (50)

Profitability

79

Q2 2024Q2 2026peer median (50)

Liquidity

87

Q2 2024Q2 2026peer median

Efficiency

82

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

Rayne State Bank & Trust Company

Rayne, LA · Cert 16075 · Financial Corp. of Louisiana

State charter, non-member · FDIC · 6 branches

Q2 2026

$540.5MAssets
$354.8MLoans
$480.0MDeposits
$55.1MEquity
Loan mix
79%RE $269.0M20%C&I $68.1M1%Consumer $3.7MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $338.4M29%Noninterest $141.5MQ2 2025Q2 2026

NIM

5.24%Q2 ’245.38%Q2 ’255.30%Q2 ’26+1%+1%

Non-interest income vs. expense

2.67%Q2 ’242.32%Q2 ’252.19%Q2 ’26-13%-6%

Market Position · Lafayette, LA · 2026 SOD (annual) · 3.9% share · #6 of 41 inst. · $0.5B of $12.2B

3.4% Lafayette
13.9% Acadia

Executive Summary

  • Earnings: ROA of 1.64%, up 15 bps year over year; NIM at 3.94%.
  • Asset quality: problem loans at 0.44% of loans (+19 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.58%, up 66 bps from a year ago.
  • Funding: loans stand at 73.92% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.64%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.94%+3 bps YoY

Efficiency Ratio (YTD, annualized)

51.96%-349 bps YoY

Tier 1 Leverage Ratio

11.58%+66 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.50%1.60%1.58%1.52%1.64%+15 bps
Return on Equity18.41%18.88%18.27%16.47%17.23%-119 bps
Net Interest Margin3.91%4.00%3.92%3.84%3.94%+3 bps
Efficiency Ratio55.45%53.80%53.63%53.55%51.96%-349 bps
Non-Interest Burden2.04%1.98%1.95%1.92%1.91%-13 bps
Growth
Asset Growth (YoY)8.46%5.65%7.43%10.90%0.47%-799 bps
Loan Growth (YoY)0.78%-3.35%-0.46%0.40%1.24%+46 bps
Deposit Growth (YoY)11.46%5.94%5.68%10.23%-1.36%-1,282 bps
Asset Quality
Nonperforming Loans / Loans0.25%0.29%0.44%0.44%0.44%+19 bps
Net Charge-Offs / Loans0.00%0.03%0.02%0.00%0.01%0 bps
Allowance / Loans1.73%1.82%1.85%1.82%1.76%+3 bps
Allowance Coverage of NPLs6.8x6.2x4.2x4.2x3.9x-2.9x
Capital
Tier 1 Leverage Ratio10.93%11.35%11.08%11.31%11.58%+66 bps
Total Risk-Based Capital17.95%19.60%19.15%19.51%19.58%+163 bps
Equity / Assets8.36%9.52%9.41%9.04%10.19%+183 bps
Liquidity & Funding
Loans / Deposits72.02%70.98%69.71%66.39%73.92%+190 bps
Liquid Assets / Assets7.63%8.53%9.34%13.11%5.41%-222 bps
CRE / Total Capitaln/a259%255%258%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

Rayne State Bank & Trust Company

Rayne, LA · Cert 16075 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Financial Corp. of Louisiana

State charter, non-member · FDIC · 6 branches

Q2 2026

$540.5MAssets
$354.8MLoans
$480.0MDeposits
$55.1MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 90% of banks under $1B in assets operating in a single state (rank 78 of 746).
  • Widest gap: equity / assets trails 54% of banks under $1B in assets operating in a single state (rank 401 of 746).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.68%

Rank 116 of 746

Net Interest Margin

3.94%

Rank 276 of 746

Efficiency Ratio

51.96%

Rank 133 of 746

Equity / Assets

10.19%

Rank 401 of 746

Non-interest income vs. expense

$1.6M$12.5MINCOMEEXPENSE
Unfavorable gap of $10.9M · efficiency ratio beats 82% of banks under $1B in assets operating in a single state
Bank 51.96%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.68%0.72%1.06%1.45%Beats 84%116 / 746
Return on Equity16.46%6.74%10.51%13.63%Beats 90%78 / 746
Net Interest Margin3.94%3.17%3.68%4.16%Beats 63%276 / 746
Efficiency Ratio51.96%55.74%64.58%75.47%Beats 82%133 / 746
Asset Quality
Nonperforming Loans / Loans0.44%0.09%0.42%1.07%Beats 49%382 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 58%313 / 743
Capital
Tier 1 Capital Ratio18.32%11.55%13.75%17.60%Beats 78%162 / 746
Total Risk-Based Capital Ratio19.58%11.71%14.33%18.43%Beats 80%151 / 746
Equity / Assets10.19%8.90%10.51%13.06%Beats 46%401 / 746
Liquidity & Funding
Loans / Deposits73.92%61.31%78.27%90.78%42nd pctl431 / 746
Loans / Assets65.64%53.60%66.97%76.08%46th pctl401 / 746
Brokered Deposits / Depositsn/aNot reported for this institution