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Letter portraitLegal landscapeQuarterYTD

Guaranty Bank & Trust Company of Delhi

Delhi, LA · Cert 19638 · Delhi Bancshares Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$457.4MAssets
$332.7MLoans
$411.6MDeposits
$38.4MEquity
Loan mix
96%RE $311.8M3%C&I $8.5M2%Consumer $4.9MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $312.0M24%Noninterest $99.7MQ2 2025Q2 2026

NIM

6.57%Q2 ’246.41%Q2 ’256.31%Q2 ’26-7%+1%

Non-interest income vs. expense

2.58%Q2 ’242.36%Q2 ’252.35%Q2 ’26-9%+0%

Market Position · Monroe, LA · 2026 SOD (annual) · 4.5% share · #8 of 20 inst. · $0.3B of $6.2B

23.2% Richland
28.3% Madison
25.4% West Carroll
1.2% Ouachita

Executive Summary

  • Earnings: ROA of 1.14%, down 21 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 1.29% of loans (-60 bps YoY), with net charge-offs at 0.49%.
  • Capital: tier 1 leverage ratio of 8.50%, up 14 bps from a year ago.
  • Funding: loans stand at 80.82% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.14%-21 bps YoY

Net Interest Margin (YTD, annualized)

3.81%+4 bps YoY

Efficiency Ratio (YTD, annualized)

56.65%-58 bps YoY

Tier 1 Leverage Ratio

8.50%+14 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.35%1.34%1.29%0.94%1.14%-21 bps
Return on Equity16.23%16.08%15.63%11.39%13.72%-251 bps
Net Interest Margin3.77%3.79%3.79%3.60%3.81%+4 bps
Efficiency Ratio57.22%56.68%57.48%61.16%56.65%-58 bps
Non-Interest Burden2.01%1.99%2.01%2.08%2.01%+1 bps
Growth
Asset Growth (YoY)11.62%10.49%10.31%3.02%2.25%-936 bps
Loan Growth (YoY)5.87%3.48%4.12%0.07%0.85%-502 bps
Deposit Growth (YoY)13.26%12.45%12.06%9.11%7.96%-530 bps
Asset Quality
Nonperforming Loans / Loans1.89%2.81%3.32%2.46%1.29%-60 bps
Net Charge-Offs / Loans0.09%0.06%0.23%0.16%0.49%+40 bps
Allowance / Loans0.55%0.63%0.54%0.63%0.53%-2 bps
Allowance Coverage of NPLs0.3x0.2x0.2x0.3x0.4x+0.1x
Capital
Tier 1 Leverage Ratio8.36%8.30%8.23%8.36%8.50%+14 bps
Total Risk-Based Capital15.31%15.49%14.94%15.94%15.61%+30 bps
Equity / Assets8.21%8.32%7.98%8.54%8.41%+20 bps
Liquidity & Funding
Loans / Deposits86.52%86.65%82.87%80.95%80.82%-570 bps
Liquid Assets / Assets20.84%21.30%22.30%19.83%19.53%-131 bps
CRE / Total Capitaln/a332%336%311%n/an/a