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Hodge Bank & Trust Company

Hodge, LA · Cert 19354 · Hodge Bancshares Inc.

State charter, non-member · FDIC · 1 branch

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=748 to 752). 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

68

Q2 2024Q2 2026peer median (50)

Asset Quality

8

Q2 2024Q2 2026peer median (50)

Profitability

84

Q2 2024Q2 2026peer median (50)

Liquidity

93

Q2 2024Q2 2026peer median

Efficiency

95

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 2026-10-10

Hodge Bank & Trust Company

Hodge, LA · Cert 19354 · Hodge Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$127.6MAssets
$86.8MLoans
$108.3MDeposits
$18.6MEquity
Loan mix
63%RE $52.9M25%C&I $21.4M12%Consumer $9.8MQ3 2024Q2 2026
Deposit mix
84%Interest-bearing $91.1M16%Noninterest $17.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 2.00%, down 1 bps year over year; NIM at 4.65%.
  • Asset quality: problem loans at 1.85% of loans (-70 bps YoY), with net charge-offs at 0.92%.
  • Capital: tier 1 leverage ratio of 15.16%, down 183 bps from a year ago.
  • Funding: loans stand at 80.18% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

2.00%-1 bps YoY

Net Interest Margin (YTD, annualized)

4.65%+15 bps YoY

Efficiency Ratio (YTD, annualized)

41.59%-323 bps YoY

Tier 1 Leverage Ratio

15.16%-183 bps YoY

NIM

6.04%Q2 ’246.33%Q2 ’256.49%Q2 ’26+6%+3%

Non-interest income vs. expense

2.16%Q2 ’242.16%Q2 ’252.05%Q2 ’26+3%-4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.80%1.64%2.14%2.01%2.04%1.82%1.75%2.00%-1 bps
Return on Equity11.19%10.11%12.94%12.12%12.34%11.24%11.62%13.45%+133 bps
Net Interest Margin4.29%4.33%4.47%4.49%4.71%4.41%4.84%4.65%+15 bps
Efficiency Ratio47.38%51.04%43.98%44.82%45.50%47.41%41.10%41.59%-323 bps
Non-Interest Burden1.84%2.04%1.77%1.83%1.96%1.93%1.79%1.76%-7 bps
Growth
Asset Growth (YoY)3.98%1.20%1.79%4.17%10.51%18.29%18.28%24.24%+2,006 bps
Loan Growth (YoY)16.61%21.52%15.29%16.63%22.99%17.83%21.34%20.83%+420 bps
Deposit Growth (YoY)2.31%0.12%0.76%3.59%11.29%20.41%20.49%27.44%+2,385 bps
Asset Quality
Nonperforming Loans / Loans2.33%2.18%2.13%2.55%2.55%2.49%2.19%1.85%-70 bps
Net Charge-Offs / Loans0.07%0.03%1.09%0.45%0.26%0.39%0.21%0.92%+48 bps
Allowance / Loans2.00%2.01%1.74%1.84%1.76%1.80%2.00%1.52%-32 bps
Allowance Coverage of NPLs0.9x0.9x0.8x0.7x0.7x0.7x0.9x0.8x+0.1x
Capital
Tier 1 Leverage Ratio17.26%17.08%17.15%16.99%17.29%15.66%15.37%15.16%-183 bps
Total Risk-Based Capital17.26%17.08%17.15%16.99%17.29%15.66%15.37%15.16%-183 bps
Equity / Assets16.89%16.51%16.55%16.73%16.36%15.10%14.98%14.57%-216 bps
Liquidity & Funding
Loans / Deposits79.73%84.71%82.46%84.56%88.11%82.89%83.04%80.18%-438 bps
Liquid Assets / Assets2.87%7.44%9.10%8.50%3.04%9.60%8.31%7.50%-100 bps
CRE / Total Capitaln/an/an/an/a108.42%113.89%130.94%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 2026-10-10

Hodge Bank & Trust Company

Hodge, LA · Cert 19354 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · Hodge Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$127.6MAssets
$86.8MLoans
$108.3MDeposits
$18.6MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 95% of banks under $1B in assets operating in a single state (rank 37 of 752).
  • Widest gap: net charge-offs / loans trails 98% of banks under $1B in assets operating in a single state (rank 732 of 748).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.90%

Rank 61 of 752

Net Interest Margin

4.65%

Rank 74 of 752

Efficiency Ratio

41.59%

Rank 37 of 752

Equity / Assets

14.57%

Rank 120 of 752

Non-interest income vs. expense

$0.4M$2.6MINCOMEEXPENSE
Unfavorable gap of $2.2M · efficiency ratio beats 95% of banks under $1B in assets operating in a single state
Bank 41.59%Peer median 64.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.90%0.72%1.07%1.45%Beats 92%61 / 752
Return on Equity13.05%6.78%10.58%13.65%Beats 70%223 / 752
Net Interest Margin4.65%3.18%3.69%4.17%Beats 90%74 / 752
Efficiency Ratio41.59%55.75%64.49%75.47%Beats 95%37 / 752
Asset Quality
Nonperforming Loans / Loans1.85%0.09%0.42%1.03%Beats 13%655 / 748
Net Charge-Offs / Loans0.59%0.00%0.01%0.05%Beats 2%732 / 748
Capital
Tier 1 Capital Ratio15.16%11.55%13.75%17.60%Beats 63%280 / 752
Total Risk-Based Capital Ratio15.16%11.70%14.33%18.47%Beats 57%327 / 752
Equity / Assets14.57%8.93%10.56%13.13%Beats 84%120 / 752
Liquidity & Funding
Loans / Deposits80.18%62.23%78.64%91.26%53rd pctl353 / 752
Loans / Assets68.03%54.61%67.41%76.47%51st pctl365 / 752
Brokered Deposits / Depositsn/aNot reported for this institution