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Liberty Bank and Trust Company

New Orleans, LA · Cert 20856 · Liberty Financial Services Inc.

State charter, non-member · FDIC · 15 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

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 $1B-$10B in assets operating regionally (n=174). 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

86

Q2 2024Q2 2026peer median (50)

Asset Quality

22

Q2 2024Q2 2026peer median (50)

Profitability

36

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

18

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

Liberty Bank and Trust Company

New Orleans, LA · Cert 20856 · Liberty Financial Services Inc.

State charter, non-member · FDIC · 15 branches

Q2 2026

$1.1BAssets
$636.3MLoans
$984.4MDeposits
$125.1MEquity
Loan mix
86%RE $508.5M12%C&I $70.6M2%Consumer $14.1MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $734.9M25%Noninterest $249.5MQ2 2025Q2 2026

NIM

4.66%Q2 ’244.97%Q2 ’254.85%Q2 ’26+2%-1%

Non-interest income vs. expense

3.02%Q2 ’243.16%Q2 ’253.20%Q2 ’26+6%-2%

Market Position · New Orleans-Metairie, LA · 2026 SOD (annual) · 1.6% share · #10 of 32 inst. · $0.6B of $36.0B

2.9% Orleans
0.1% Wayne
0.2% Shelby
0.8% Montgomery

Executive Summary

  • Earnings: ROA of 0.92%, down 15 bps year over year; NIM at 3.83%.
  • Asset quality: problem loans at 0.89% of loans (+8 bps YoY), with net charge-offs at 0.23%.
  • Capital: tier 1 leverage ratio of 11.35%, down 13 bps from a year ago.
  • Funding: loans stand at 64.65% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.92%-15 bps YoY

Net Interest Margin (YTD, annualized)

3.83%-2 bps YoY

Efficiency Ratio (YTD, annualized)

70.94%-11 bps YoY

Tier 1 Leverage Ratio

11.35%-13 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.07%1.03%0.86%0.90%0.92%-15 bps
Return on Equity10.05%9.49%7.87%8.06%8.29%-175 bps
Net Interest Margin3.85%3.85%3.84%3.79%3.83%-2 bps
Efficiency Ratio71.04%70.43%74.02%70.66%70.94%-11 bps
Non-Interest Burden2.53%2.50%2.61%2.48%2.48%-5 bps
Growth
Asset Growth (YoY)4.36%2.52%2.69%0.03%1.75%-260 bps
Loan Growth (YoY)1.35%-3.32%-1.37%-0.35%2.66%+131 bps
Deposit Growth (YoY)3.71%2.39%1.87%-0.57%1.60%-211 bps
Asset Quality
Nonperforming Loans / Loans0.81%0.74%0.90%1.11%0.89%+8 bps
Net Charge-Offs / Loans0.32%0.39%0.38%-0.03%0.23%-9 bps
Allowance / Loans1.24%1.20%1.14%1.21%1.14%-10 bps
Allowance Coverage of NPLs1.5x1.6x1.3x1.1x1.3x-0.2x
Capital
Tier 1 Leverage Ratio11.48%11.66%11.11%11.28%11.35%-13 bps
Total Risk-Based Capital21.13%21.43%20.25%20.41%20.36%-78 bps
Equity / Assets11.02%11.34%11.07%11.16%11.08%+5 bps
Liquidity & Funding
Loans / Deposits63.98%63.96%64.97%64.98%64.65%+67 bps
Liquid Assets / Assets6.94%7.53%5.48%4.54%3.98%-296 bps
CRE / Total Capitaln/a201%219%225%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

Liberty Bank and Trust Company

New Orleans, LA · Cert 20856 · Peer group: banks $1B-$10B in assets operating regionally (n=174) · Liberty Financial Services Inc.

State charter, non-member · FDIC · 15 branches

Q2 2026

$1.1BAssets
$636.3MLoans
$984.4MDeposits
$125.1MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 97% of banks $1B-$10B in assets operating regionally (rank 5 of 174).
  • Widest gap: net charge-offs / loans trails 90% of banks $1B-$10B in assets operating regionally (rank 157 of 174).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.91%

Rank 134 of 174

Net Interest Margin

3.83%

Rank 54 of 174

Efficiency Ratio

70.94%

Rank 144 of 174

Equity / Assets

11.08%

Rank 64 of 174

Non-interest income vs. expense

$8.1M$35.9MINCOMEEXPENSE
Unfavorable gap of $27.8M · efficiency ratio beats 18% of banks $1B-$10B in assets operating regionally
Bank 70.94%Peer median 59.2%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.91%0.93%1.27%1.52%Beats 23%134 / 174
Return on Equity8.20%9.26%11.89%14.41%Beats 15%148 / 174
Net Interest Margin3.83%3.22%3.56%3.91%Beats 69%54 / 174
Efficiency Ratio70.94%51.59%59.21%67.02%Beats 18%144 / 174
Asset Quality
Nonperforming Loans / Loans0.89%0.29%0.60%1.18%Beats 34%115 / 174
Net Charge-Offs / Loans0.18%0.01%0.03%0.10%Beats 10%157 / 174
Capital
Tier 1 Capital Ratio19.25%11.19%12.82%14.11%Beats 97%5 / 174
Total Risk-Based Capital Ratio20.36%11.81%13.70%15.33%Beats 97%5 / 174
Equity / Assets11.08%9.15%10.31%11.72%Beats 63%64 / 174
Liquidity & Funding
Loans / Deposits64.65%80.93%90.31%97.12%3rd pctl169 / 174
Loans / Assets56.35%69.01%75.52%80.85%5th pctl165 / 174
Brokered Deposits / Depositsn/aNot reported for this institution