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Metairie Bank & Trust Company

Metairie, LA · Cert 16539 · MBT Bancshares Inc.

State charter, non-member · FDIC · 8 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=751 to 755). 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

33

Q2 2024Q2 2026peer median (50)

Asset Quality

47

Q2 2024Q2 2026peer median (50)

Profitability

61

Q2 2024Q2 2026peer median (50)

Liquidity

63

Q2 2024Q2 2026peer median

Efficiency

60

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

Metairie Bank & Trust Company

Metairie, LA · Cert 16539 · MBT Bancshares Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

$666.0MAssets
$509.0MLoans
$586.2MDeposits
$71.6MEquity
Loan mix
94%RE $467.6M5%C&I $26.8M1%Consumer $3.8MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $443.8M24%Noninterest $142.4MQ2 2025Q2 2026

NIM

4.57%Q2 ’244.94%Q2 ’255.15%Q2 ’26+9%+6%

Non-interest income vs. expense

2.83%Q2 ’242.88%Q2 ’252.70%Q2 ’26+3%-5%

Market Position · New Orleans-Metairie, LA · 2026 SOD (annual) · 1.4% share · #11 of 32 inst. · $0.5B of $36.0B

3.7% Jefferson
1.0% St. Tammany

Executive Summary

  • Earnings: ROA of 1.22%, up 12 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 0.46% of loans (+8 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 11.49%, up 12 bps from a year ago.
  • Funding: loans stand at 86.83% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.22%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.97%+23 bps YoY

Efficiency Ratio (YTD, annualized)

61.00%-666 bps YoY

Tier 1 Leverage Ratio

11.49%+12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.10%1.14%1.17%1.21%1.22%+12 bps
Return on Equity10.94%11.20%11.44%11.34%11.40%+46 bps
Net Interest Margin3.74%3.76%3.72%3.96%3.97%+23 bps
Efficiency Ratio67.66%66.47%64.96%62.41%61.00%-666 bps
Non-Interest Burden2.37%2.33%2.25%2.31%2.25%-12 bps
Growth
Asset Growth (YoY)4.46%5.65%6.49%5.25%6.58%+212 bps
Loan Growth (YoY)9.24%10.23%10.37%7.83%8.48%-76 bps
Deposit Growth (YoY)11.23%9.72%8.67%5.26%5.74%-549 bps
Asset Quality
Nonperforming Loans / Loans0.39%0.37%0.35%0.52%0.46%+8 bps
Net Charge-Offs / Loans0.03%0.02%0.02%0.03%0.02%-1 bps
Allowance / Loans1.00%0.99%0.98%1.01%1.04%+4 bps
Allowance Coverage of NPLs2.6x2.7x2.8x1.9x2.3x-0.3x
Capital
Tier 1 Leverage Ratio11.37%11.53%11.26%11.61%11.49%+12 bps
Total Risk-Based Capital11.37%11.53%11.26%11.61%11.49%+12 bps
Equity / Assets10.25%10.48%10.55%10.71%10.75%+51 bps
Liquidity & Funding
Loans / Deposits84.64%84.78%86.20%86.11%86.83%+219 bps
Liquid Assets / Assets0.85%2.93%2.50%3.31%2.97%+212 bps
CRE / Total Capitaln/a383%399%392%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

Metairie Bank & Trust Company

Metairie, LA · Cert 16539 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · MBT Bancshares Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

$666.0MAssets
$509.0MLoans
$586.2MDeposits
$71.6MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 66% of banks under $1B in assets operating in a single state (rank 259 of 755).
  • Widest gap: total risk-based capital ratio trails 78% of banks under $1B in assets operating in a single state (rank 588 of 755).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.20%

Rank 298 of 755

Net Interest Margin

3.97%

Rank 259 of 755

Efficiency Ratio

61.00%

Rank 300 of 755

Equity / Assets

10.75%

Rank 357 of 755

Non-interest income vs. expense

$3.0M$18.1MINCOMEEXPENSE
Unfavorable gap of $15.1M · efficiency ratio beats 60% of banks under $1B in assets operating in a single state
Bank 61.00%Peer median 64.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.20%0.72%1.06%1.45%Beats 61%298 / 755
Return on Equity11.19%6.66%10.44%13.61%Beats 57%321 / 755
Net Interest Margin3.97%3.15%3.68%4.17%Beats 66%259 / 755
Efficiency Ratio61.00%55.75%64.78%75.61%Beats 60%300 / 755
Asset Quality
Nonperforming Loans / Loans0.46%0.09%0.42%1.05%Beats 47%397 / 751
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 47%398 / 751
Capital
Tier 1 Capital Ratio11.49%11.56%13.81%17.74%Beats 24%575 / 755
Total Risk-Based Capital Ratio11.49%11.72%14.46%18.53%Beats 22%588 / 755
Equity / Assets10.75%8.93%10.56%13.13%Beats 53%357 / 755
Liquidity & Funding
Loans / Deposits86.83%62.43%78.62%91.00%67th pctl246 / 755
Loans / Assets76.42%54.70%67.27%76.55%74th pctl193 / 755
Brokered Deposits / Depositsn/aNot reported for this institution