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JD Bank

Jennings, LA · Cert 16546 · JD Bancshares Inc.

State charter, non-member · FDIC · 22 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets operating in a single state (n=257 to 258). 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

73

Q2 2024Q2 2026peer median (50)

Asset Quality

45

Q2 2024Q2 2026peer median (50)

Profitability

52

Q2 2024Q2 2026peer median (50)

Liquidity

25

Q2 2024Q2 2026peer median

Efficiency

23

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

JD Bank

Jennings, LA · Cert 16546 · JD Bancshares Inc.

State charter, non-member · FDIC · 22 branches

Q2 2026

$1.3BAssets
$780.5MLoans
$1.1BDeposits
$130.5MEquity
Loan mix
88%RE $676.9M8%C&I $61.0M4%Consumer $30.2MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $916.2M18%Noninterest $204.6MQ2 2025Q2 2026

NIM

4.61%Q2 ’244.78%Q2 ’254.88%Q2 ’26+2%+3%

Non-interest income vs. expense

3.20%Q2 ’243.26%Q2 ’253.36%Q2 ’26+4%+2%

Market Position · Lake Charles, LA · 2026 SOD (annual) · 12.3% share · #3 of 20 inst. · $0.8B of $6.1B

9.7% Calcasieu
35.0% Jefferson Davis
7.1% St. Landry
11.9% Evangeline

Executive Summary

  • Earnings: ROA of 1.11%, up 3 bps year over year; NIM at 3.87%.
  • Asset quality: problem loans at 0.40% of loans (-31 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 11.88%, up 24 bps from a year ago.
  • Funding: loans stand at 69.64% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.11%+3 bps YoY

Net Interest Margin (YTD, annualized)

3.87%+12 bps YoY

Efficiency Ratio (YTD, annualized)

70.56%-60 bps YoY

Tier 1 Leverage Ratio

11.88%+24 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.08%1.16%1.16%1.05%1.11%+3 bps
Return on Equity11.85%12.52%12.29%10.47%10.93%-92 bps
Net Interest Margin3.75%3.75%3.81%3.86%3.87%+12 bps
Efficiency Ratio71.16%70.47%69.82%70.17%70.56%-60 bps
Non-Interest Burden2.42%2.38%2.39%2.42%2.46%+4 bps
Growth
Asset Growth (YoY)2.97%2.50%5.15%6.04%4.06%+109 bps
Loan Growth (YoY)6.50%5.75%6.25%5.34%1.72%-478 bps
Deposit Growth (YoY)3.13%4.17%8.85%4.99%7.11%+398 bps
Asset Quality
Nonperforming Loans / Loans0.72%0.47%0.50%0.44%0.40%-31 bps
Net Charge-Offs / Loans0.00%0.01%0.06%0.00%0.07%+7 bps
Allowance / Loans1.23%1.19%1.15%1.18%1.14%-10 bps
Allowance Coverage of NPLs1.7x2.5x2.3x2.7x2.8x+1.1x
Capital
Tier 1 Leverage Ratio11.64%11.66%11.92%11.79%11.88%+24 bps
Total Risk-Based Capital17.02%17.27%17.48%17.72%17.79%+78 bps
Equity / Assets9.30%9.86%10.00%10.05%10.36%+106 bps
Liquidity & Funding
Loans / Deposits73.32%72.67%68.64%68.70%69.64%-369 bps
Liquid Assets / Assets0.97%1.24%4.20%4.69%3.94%+297 bps
CRE / Total Capitaln/a323%316%315%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

JD Bank

Jennings, LA · Cert 16546 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · JD Bancshares Inc.

State charter, non-member · FDIC · 22 branches

Q2 2026

$1.3BAssets
$780.5MLoans
$1.1BDeposits
$130.5MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 84% of banks $1B-$10B in assets operating in a single state (rank 41 of 258).
  • Widest gap: efficiency ratio trails 77% of banks $1B-$10B in assets operating in a single state (rank 199 of 257).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.11%

Rank 153 of 258

Net Interest Margin

3.87%

Rank 67 of 258

Efficiency Ratio

70.56%

Rank 199 of 257

Equity / Assets

10.36%

Rank 126 of 258

Non-interest income vs. expense

$11.6M$43.0MINCOMEEXPENSE
Unfavorable gap of $31.4M · efficiency ratio beats 23% of banks $1B-$10B in assets operating in a single state
Bank 70.56%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.11%0.93%1.23%1.54%Beats 41%153 / 258
Return on Equity10.69%9.26%11.84%14.74%Beats 41%153 / 258
Net Interest Margin3.87%3.16%3.49%3.88%Beats 74%67 / 258
Efficiency Ratio70.56%51.71%60.30%69.65%Beats 23%199 / 257
Asset Quality
Nonperforming Loans / Loans0.40%0.19%0.46%0.90%Beats 55%118 / 258
Net Charge-Offs / Loans0.04%0.01%0.02%0.07%Beats 35%169 / 258
Capital
Tier 1 Capital Ratio16.78%11.41%12.98%15.12%Beats 84%41 / 258
Total Risk-Based Capital Ratio17.79%12.10%13.91%16.08%Beats 84%41 / 258
Equity / Assets10.36%9.09%10.24%11.72%Beats 51%126 / 258
Liquidity & Funding
Loans / Deposits69.64%73.24%86.34%95.95%18th pctl211 / 258
Loans / Assets61.99%63.01%72.27%78.40%22nd pctl200 / 258
Brokered Deposits / Depositsn/aNot reported for this institution