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American Bank & Trust Company

Opelousas, LA · Cert 17906 · American Bcorp 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=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

32

Q2 2024Q2 2026peer median (50)

Asset Quality

52

Q2 2024Q2 2026peer median (50)

Profitability

76

Q2 2024Q2 2026peer median (50)

Liquidity

60

Q2 2024Q2 2026peer median

Efficiency

68

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

American Bank & Trust Company

Opelousas, LA · Cert 17906 · American Bcorp Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

$267.0MAssets
$193.1MLoans
$221.7MDeposits
$26.8MEquity
Loan mix
89%RE $169.4M8%C&I $14.9M3%Consumer $5.7MQ2 2025Q2 2026
Deposit mix
61%Interest-bearing $134.2M39%Noninterest $87.5MQ2 2025Q2 2026

NIM

4.60%Q2 ’245.03%Q2 ’255.25%Q2 ’26+9%+5%

Non-interest income vs. expense

2.55%Q2 ’242.56%Q2 ’252.61%Q2 ’26+2%+3%

Market Position · Lafayette, LA · 2026 SOD (annual) · 0.2% share · #35 of 41 inst. · $0.0B of $12.2B

11.0% St. Landry
0.3% Lafayette

Executive Summary

  • Earnings: ROA of 1.44%, up 11 bps year over year; NIM at 4.17%.
  • Asset quality: problem loans at 0.47% of loans (+46 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.71%, down 6 bps from a year ago.
  • Funding: loans stand at 87.08% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.44%+11 bps YoY

Net Interest Margin (YTD, annualized)

4.17%+19 bps YoY

Efficiency Ratio (YTD, annualized)

57.67%-112 bps YoY

Tier 1 Leverage Ratio

11.71%-6 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.33%1.31%1.17%1.42%1.44%+11 bps
Return on Equity14.58%13.98%12.43%14.52%14.62%+3 bps
Net Interest Margin3.98%4.00%3.94%4.14%4.17%+19 bps
Efficiency Ratio58.79%59.67%63.84%57.60%57.67%-112 bps
Non-Interest Burden2.18%2.24%2.38%2.24%2.25%+7 bps
Growth
Asset Growth (YoY)4.40%4.07%8.79%1.05%7.37%+298 bps
Loan Growth (YoY)7.57%6.83%11.31%10.36%8.22%+65 bps
Deposit Growth (YoY)2.32%-1.12%2.91%3.55%6.55%+422 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.07%0.26%0.23%0.47%+46 bps
Net Charge-Offs / Loans-0.05%-0.03%-0.02%0.02%0.01%+5 bps
Allowance / Loans0.94%0.94%0.94%0.93%0.95%0 bps
Allowance Coverage of NPLs153.2x13.3x3.7x4.0x2.0x-151.2x
Capital
Tier 1 Leverage Ratio11.77%12.03%11.60%11.66%11.71%-6 bps
Total Risk-Based Capital11.77%12.03%11.60%11.66%11.71%-6 bps
Equity / Assets9.64%10.10%9.47%10.06%10.02%+39 bps
Liquidity & Funding
Loans / Deposits85.73%88.56%81.93%85.79%87.08%+135 bps
Liquid Assets / Assets3.26%4.11%8.07%3.12%6.26%+300 bps
CRE / Total Capitaln/a238%241%247%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

American Bank & Trust Company

Opelousas, LA · Cert 17906 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · American Bcorp Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

$267.0MAssets
$193.1MLoans
$221.7MDeposits
$26.8MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 79% of banks under $1B in assets operating in a single state (rank 156 of 746).
  • Widest gap: total risk-based capital ratio trails 75% of banks under $1B in assets operating in a single state (rank 560 of 746).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.43%

Rank 198 of 746

Net Interest Margin

4.17%

Rank 186 of 746

Efficiency Ratio

57.67%

Rank 236 of 746

Equity / Assets

10.02%

Rank 426 of 746

Non-interest income vs. expense

$0.9M$6.8MINCOMEEXPENSE
Unfavorable gap of $5.9M · efficiency ratio beats 68% of banks under $1B in assets operating in a single state
Bank 57.67%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.43%0.72%1.06%1.45%Beats 73%198 / 746
Return on Equity14.28%6.74%10.51%13.63%Beats 79%156 / 746
Net Interest Margin4.17%3.17%3.68%4.16%Beats 75%186 / 746
Efficiency Ratio57.67%55.74%64.58%75.47%Beats 68%236 / 746
Asset Quality
Nonperforming Loans / Loans0.47%0.09%0.42%1.07%Beats 48%391 / 743
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 55%338 / 743
Capital
Tier 1 Capital Ratio11.71%11.55%13.75%17.60%Beats 27%546 / 746
Total Risk-Based Capital Ratio11.71%11.71%14.33%18.43%Beats 25%560 / 746
Equity / Assets10.02%8.90%10.51%13.06%Beats 43%426 / 746
Liquidity & Funding
Loans / Deposits87.08%61.31%78.27%90.78%68th pctl235 / 746
Loans / Assets72.29%53.60%66.97%76.08%64th pctl271 / 746
Brokered Deposits / Depositsn/aNot reported for this institution