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State Bank & Trust Company

Golden Meadow, LA · Cert 17169 · SBT Bancshares Inc.

State charter, non-member · FDIC · 4 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

44

Q2 2024Q2 2026peer median (50)

Asset Quality

42

Q2 2024Q2 2026peer median (50)

Profitability

62

Q2 2024Q2 2026peer median (50)

Liquidity

93

Q2 2024Q2 2026peer median

Efficiency

49

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

State Bank & Trust Company

Golden Meadow, LA · Cert 17169 · SBT Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$165.1MAssets
$115.9MLoans
$145.3MDeposits
$13.8MEquity
Loan mix
67%RE $68.1M26%C&I $26.3M7%Consumer $6.7MQ2 2025Q2 2026
Deposit mix
69%Interest-bearing $100.2M31%Noninterest $45.1MQ2 2025Q2 2026

NIM

4.81%Q2 ’245.27%Q2 ’255.28%Q2 ’26+1%+4%

Non-interest income vs. expense

2.99%Q2 ’242.94%Q2 ’252.73%Q2 ’26-1%-12%

Market Position · Houma-Bayou Cane-Thibodaux, LA · 2026 SOD (annual) · 2.7% share · #10 of 14 inst. · $0.1B of $5.4B

Executive Summary

  • Earnings: ROA of 1.18%, up 40 bps year over year; NIM at 3.83%.
  • Asset quality: problem loans at 0.46% of loans (-18 bps YoY), with net recoveries of 0.04%.
  • Capital: tier 1 leverage ratio of 10.63%, down 3 bps from a year ago.
  • Funding: loans stand at 79.80% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.18%+40 bps YoY

Net Interest Margin (YTD, annualized)

3.83%+16 bps YoY

Efficiency Ratio (YTD, annualized)

65.13%-992 bps YoY

Tier 1 Leverage Ratio

10.63%-3 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.77%0.79%0.84%1.08%1.18%+40 bps
Return on Equity9.76%9.88%10.36%12.51%13.82%+407 bps
Net Interest Margin3.67%3.68%3.65%3.82%3.83%+16 bps
Efficiency Ratio75.05%75.07%74.03%67.33%65.13%-992 bps
Non-Interest Burden2.69%2.69%2.62%2.45%2.37%-33 bps
Growth
Asset Growth (YoY)2.02%4.98%5.00%3.76%9.95%+793 bps
Loan Growth (YoY)9.99%4.06%7.49%9.34%19.09%+910 bps
Deposit Growth (YoY)1.87%5.99%5.32%2.90%9.90%+802 bps
Asset Quality
Nonperforming Loans / Loans0.64%0.64%0.50%0.53%0.46%-18 bps
Net Charge-Offs / Loans0.01%0.02%0.02%-0.04%-0.04%-5 bps
Allowance / Loans1.51%1.56%1.47%1.45%1.27%-24 bps
Allowance Coverage of NPLs2.3x2.4x2.9x2.7x2.8x+0.4x
Capital
Tier 1 Leverage Ratio10.66%10.61%10.54%11.00%10.63%-3 bps
Total Risk-Based Capital16.47%17.32%16.69%17.02%15.59%-88 bps
Equity / Assets7.83%8.17%8.59%8.61%8.33%+50 bps
Liquidity & Funding
Loans / Deposits73.64%69.86%74.49%74.42%79.80%+616 bps
Liquid Assets / Assets10.84%15.30%11.65%12.35%9.45%-139 bps
CRE / Total Capitaln/a276%310%276%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

State Bank & Trust Company

Golden Meadow, LA · Cert 17169 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · SBT Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$165.1MAssets
$115.9MLoans
$145.3MDeposits
$13.8MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 73% of banks under $1B in assets operating in a single state (rank 202 of 746).
  • Widest gap: equity / assets trails 83% of banks under $1B in assets operating in a single state (rank 621 of 746).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.12%

Rank 340 of 746

Net Interest Margin

3.83%

Rank 316 of 746

Efficiency Ratio

65.13%

Rank 384 of 746

Equity / Assets

8.33%

Rank 621 of 746

Non-interest income vs. expense

$0.6M$4.4MINCOMEEXPENSE
Unfavorable gap of $3.8M · efficiency ratio beats 49% of banks under $1B in assets operating in a single state
Bank 65.13%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.12%0.72%1.06%1.45%Beats 54%340 / 746
Return on Equity13.45%6.74%10.51%13.63%Beats 73%202 / 746
Net Interest Margin3.83%3.17%3.68%4.16%Beats 58%316 / 746
Efficiency Ratio65.13%55.74%64.58%75.47%Beats 49%384 / 746
Asset Quality
Nonperforming Loans / Loans0.46%0.09%0.42%1.07%Beats 48%387 / 743
Net Charge-Offs / Loans0.03%0.00%0.01%0.05%Beats 36%474 / 743
Capital
Tier 1 Capital Ratio14.35%11.55%13.75%17.60%Beats 55%335 / 746
Total Risk-Based Capital Ratio15.59%11.71%14.33%18.43%Beats 60%301 / 746
Equity / Assets8.33%8.90%10.51%13.06%Beats 17%621 / 746
Liquidity & Funding
Loans / Deposits79.80%61.31%78.27%90.78%53rd pctl348 / 746
Loans / Assets70.21%53.60%66.97%76.08%58th pctl315 / 746
Brokered Deposits / Depositsn/aNot reported for this institution