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Basile State Bank

Basile, LA · Cert 17621 · Basile Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

21

Q2 2024Q2 2026peer median (50)

Asset Quality

13

Q2 2024Q2 2026peer median (50)

Profitability

80

Q2 2024Q2 2026peer median (50)

Liquidity

53

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

Basile State Bank

Basile, LA · Cert 17621 · Basile Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$87.4MAssets
$71.2MLoans
$78.0MDeposits
$8.8MEquity
Loan mix
84%RE $51.8M7%C&I $4.0M9%Consumer $5.6MQ2 2025Q2 2026
Deposit mix
65%Interest-bearing $50.4M35%Noninterest $27.6MQ2 2025Q2 2026

NIM

6.45%Q2 ’246.57%Q2 ’256.66%Q2 ’26-4%+7%

Non-interest income vs. expense

3.96%Q2 ’244.13%Q2 ’254.03%Q2 ’26+9%-1%

Executive Summary

  • Earnings: ROA of 1.37%, up 27 bps year over year; NIM at 5.32%.
  • Asset quality: problem loans at 2.20% of loans (-5 bps YoY), with net charge-offs at 0.12%.
  • Capital: tier 1 leverage ratio of 10.09%, down 21 bps from a year ago.
  • Funding: loans stand at 91.29% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.37%+27 bps YoY

Net Interest Margin (YTD, annualized)

5.32%+35 bps YoY

Efficiency Ratio (YTD, annualized)

68.41%-512 bps YoY

Tier 1 Leverage Ratio

10.09%-21 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.09%1.08%1.22%1.35%1.37%+27 bps
Return on Equity10.64%10.48%11.75%13.06%13.31%+268 bps
Net Interest Margin4.97%5.05%5.21%5.24%5.32%+35 bps
Efficiency Ratio73.53%74.14%71.80%68.44%68.41%-512 bps
Non-Interest Burden3.48%3.58%3.56%3.39%3.46%-2 bps
Growth
Asset Growth (YoY)13.41%9.34%7.52%8.55%6.37%-704 bps
Loan Growth (YoY)1.86%7.57%9.62%9.21%13.56%+1,170 bps
Deposit Growth (YoY)13.45%15.21%6.70%9.05%6.62%-683 bps
Asset Quality
Nonperforming Loans / Loans2.25%2.53%2.81%2.61%2.20%-5 bps
Net Charge-Offs / Loans-0.02%0.16%0.11%0.31%0.12%+14 bps
Allowance / Loans1.18%1.02%1.03%0.99%1.02%-16 bps
Allowance Coverage of NPLs0.5x0.4x0.4x0.4x0.5x-0.1x
Capital
Tier 1 Leverage Ratio10.30%10.35%10.74%10.33%10.09%-21 bps
Total Risk-Based Capital10.30%10.35%10.74%10.33%10.09%-21 bps
Equity / Assets10.31%10.29%10.78%9.91%10.12%-18 bps
Liquidity & Funding
Loans / Deposits85.72%89.72%94.80%86.07%91.29%+558 bps
Liquid Assets / Assets2.73%2.72%1.54%0.84%0.85%-187 bps
CRE / Total Capitaln/a117.51%125.85%141.51%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

Basile State Bank

Basile, LA · Cert 17621 · Peer group: banks under $1B in assets (n=581-629) · Basile Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$87.4MAssets
$71.2MLoans
$78.0MDeposits
$8.8MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 98% of banks under $1B in assets (rank 13 of 629).
  • Widest gap: total risk-based capital ratio trails 89% of banks under $1B in assets (rank 559 of 629).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.34%

Rank 192 of 629

Net Interest Margin

5.32%

Rank 13 of 629

Efficiency Ratio

68.41%

Rank 324 of 629

Equity / Assets

10.12%

Rank 371 of 629

Non-interest income vs. expense

$0.5M$3.5MINCOMEEXPENSE
Unfavorable gap of $3.0M · efficiency ratio beats 49% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.34%0.60%1.01%1.45%Beats 69%192 / 629
Return on Equity13.20%5.38%9.30%13.28%Beats 74%162 / 629
Net Interest Margin5.32%3.03%3.54%4.05%Beats 98%13 / 629
Efficiency Ratio68.41%58.35%67.79%79.08%Beats 49%324 / 629
Asset Quality
Nonperforming Loans / Loans2.20%0.09%0.46%1.20%Beats 12%514 / 581
Net Charge-Offs / Loans0.13%n/a0.01%0.06%Beats 13%505 / 581
Capital
Tier 1 Capital Ratio10.09%11.24%13.84%18.77%Beats 12%553 / 629
Total Risk-Based Capital Ratio10.09%11.58%14.43%19.66%Beats 11%559 / 629
Equity / Assets10.12%9.09%10.65%13.80%Beats 41%371 / 629
Liquidity & Funding
Loans / Deposits91.29%67.24%80.90%93.48%71st pctl171 / 594
Loans / Assets81.45%53.31%67.71%78.15%85th pctl94 / 629
Brokered Deposits / Depositsn/aNot reported for this institution