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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 $9.8MQ3 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