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American Bank

Covington, LA · Cert 19234 · American Bancshares Inc.

State charter, non-member · FDIC · 5 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

24

Q2 2024Q2 2026peer median (50)

Asset Quality

9

Q2 2024Q2 2026peer median (50)

Profitability

45

Q2 2024Q2 2026peer median (50)

Liquidity

97

Q2 2024Q2 2026peer median

Efficiency

19

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

Covington, LA · Cert 19234 · American Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$366.6MAssets
$249.1MLoans
$322.6MDeposits
$39.9MEquity
Loan mix
91%RE $217.6M8%C&I $19.5M1%Consumer $1.8MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $226.2M30%Noninterest $96.4MQ2 2025Q2 2026

NIM

7.36%Q2 ’247.58%Q2 ’257.12%Q2 ’26+6%-6%

Non-interest income vs. expense

4.38%Q2 ’244.39%Q2 ’254.50%Q2 ’26-9%+19%

Market Position · Slidell-Mandeville-Covington, LA · 2026 SOD (annual) · 1.0% share · #15 of 26 inst. · $0.1B of $7.9B

40.0% Red River
1.0% St. Tammany
0.4% Jefferson
1.2% Tangipahoa

Executive Summary

  • Earnings: ROA of 0.63%, down 54 bps year over year; NIM at 5.12%.
  • Asset quality: problem loans at 5.04% of loans (+226 bps YoY), with net charge-offs at 0.12%.
  • Capital: tier 1 leverage ratio of 10.08%, down 25 bps from a year ago.
  • Funding: loans stand at 77.21% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.63%-54 bps YoY

Net Interest Margin (YTD, annualized)

5.12%-33 bps YoY

Efficiency Ratio (YTD, annualized)

79.09%+1,189 bps YoY

Tier 1 Leverage Ratio

10.08%-25 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.18%0.99%1.18%0.18%0.63%-54 bps
Return on Equity10.72%8.95%10.66%1.61%5.73%-498 bps
Net Interest Margin5.45%5.40%5.52%4.63%5.12%-33 bps
Efficiency Ratio67.19%71.42%70.42%84.98%79.09%+1,189 bps
Non-Interest Burden3.26%3.55%3.54%3.81%3.88%+61 bps
Growth
Asset Growth (YoY)-2.44%-2.86%2.74%9.83%10.90%+1,334 bps
Loan Growth (YoY)-6.95%-11.02%-6.02%3.84%6.12%+1,308 bps
Deposit Growth (YoY)-3.55%-3.86%1.66%10.29%11.11%+1,465 bps
Asset Quality
Nonperforming Loans / Loans2.78%2.28%2.76%3.33%5.04%+226 bps
Net Charge-Offs / Loans0.98%0.75%0.59%0.15%0.12%-87 bps
Allowance / Loans1.55%1.72%1.74%1.83%1.80%+25 bps
Allowance Coverage of NPLs0.6x0.8x0.6x0.5x0.4x-0.2x
Capital
Tier 1 Leverage Ratio10.34%10.29%10.58%10.33%10.08%-25 bps
Total Risk-Based Capital10.34%10.29%10.58%10.33%10.08%-25 bps
Equity / Assets11.15%11.14%11.49%10.85%10.89%-26 bps
Liquidity & Funding
Loans / Deposits80.84%76.17%77.91%75.56%77.21%-363 bps
Liquid Assets / Assets20.12%23.33%21.77%23.36%22.36%+224 bps
CRE / Total Capitaln/a443%438%462%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

Covington, LA · Cert 19234 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · American Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$366.6MAssets
$249.1MLoans
$322.6MDeposits
$39.9MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 97% of banks under $1B in assets operating in a single state (rank 23 of 746).
  • Widest gap: nonperforming loans / loans trails 98% of banks under $1B in assets operating in a single state (rank 730 of 743).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.61%

Rank 603 of 746

Net Interest Margin

5.12%

Rank 23 of 746

Efficiency Ratio

79.09%

Rank 608 of 746

Equity / Assets

10.89%

Rank 332 of 746

Non-interest income vs. expense

$2.3M$16.3MINCOMEEXPENSE
Unfavorable gap of $14.0M · efficiency ratio beats 19% of banks under $1B in assets operating in a single state
Bank 79.09%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.61%0.72%1.06%1.45%Beats 19%603 / 746
Return on Equity5.64%6.74%10.51%13.63%Beats 20%595 / 746
Net Interest Margin5.12%3.17%3.68%4.16%Beats 97%23 / 746
Efficiency Ratio79.09%55.74%64.58%75.47%Beats 19%608 / 746
Asset Quality
Nonperforming Loans / Loans5.04%0.09%0.42%1.07%Beats 2%730 / 743
Net Charge-Offs / Loans0.09%0.00%0.01%0.05%Beats 16%623 / 743
Capital
Tier 1 Capital Ratio10.08%11.55%13.75%17.60%Beats 9%676 / 746
Total Risk-Based Capital Ratio10.08%11.71%14.33%18.43%Beats 9%681 / 746
Equity / Assets10.89%8.90%10.51%13.06%Beats 55%332 / 746
Liquidity & Funding
Loans / Deposits77.21%61.31%78.27%90.78%48th pctl388 / 746
Loans / Assets67.94%53.60%66.97%76.08%52nd pctl355 / 746
Brokered Deposits / Depositsn/aNot reported for this institution