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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 $9.8MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $91.1M16%Noninterest $17.1MQ2 2025Q2 2026

NIM

6.14%Q2 ’246.48%Q2 ’256.56%Q2 ’26+11%+1%

Non-interest income vs. expense

2.32%Q2 ’242.27%Q2 ’252.07%Q2 ’26-4%-6%

Executive Summary

  • Earnings: ROA of 2.26%, up 37 bps year over year; NIM at 4.67%.
  • Asset quality: problem loans at 1.85% of loans (-70 bps YoY), with net charge-offs at 1.64%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

2.26%+37 bps YoY

Net Interest Margin (quarter, annualized)

4.67%+3 bps YoY

Efficiency Ratio (quarter, annualized)

42.08%-353 bps YoY

Tier 1 Leverage Ratio

15.16%-183 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.88%2.11%1.23%1.75%2.26%+37 bps
Return on Equity11.32%12.78%7.83%11.62%15.27%+395 bps
Net Interest Margin4.65%5.18%4.77%4.84%4.67%+3 bps
Efficiency Ratio45.62%46.67%52.62%41.10%42.08%-353 bps
Non-Interest Burden1.94%2.23%2.36%1.79%1.82%-12 bps
Growth
Asset Growth (YoY)4.17%10.51%18.29%18.28%24.24%+2,006 bps
Loan Growth (YoY)16.63%22.99%17.83%21.34%20.83%+420 bps
Deposit Growth (YoY)3.59%11.29%20.41%20.49%27.44%+2,385 bps
Asset Quality
Nonperforming Loans / Loans2.55%2.55%2.49%2.19%1.85%-70 bps
Net Charge-Offs / Loans-0.16%-0.03%0.82%0.21%1.64%+181 bps
Allowance / Loans1.84%1.76%1.80%2.00%1.52%-32 bps
Allowance Coverage of NPLs0.7x0.7x0.7x0.9x0.8x+0.1x
Capital
Tier 1 Leverage Ratio16.99%17.29%15.66%15.37%15.16%-183 bps
Total Risk-Based Capital16.99%17.29%15.66%15.37%15.16%-183 bps
Equity / Assets16.73%16.36%15.10%14.98%14.57%-216 bps
Liquidity & Funding
Loans / Deposits84.56%88.11%82.89%83.04%80.18%-438 bps
Liquid Assets / Assets8.50%3.04%9.60%8.31%7.50%-100 bps
CRE / Total Capitaln/a108.42%113.89%130.94%n/an/a