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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