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Bank of St. Francisville

Saint Francisville, LA · Cert 22739 · Saint Francisville Bancshares

State charter, non-member · FDIC · 2 branches

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=743 to 746). 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

16

Q2 2024Q2 2026peer median (50)

Asset Quality

50

Q2 2024Q2 2026peer median (50)

Profitability

65

Q2 2024Q2 2026peer median (50)

Liquidity

58

Q2 2024Q2 2026peer median

Efficiency

55

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

Bank of St. Francisville

Saint Francisville, LA · Cert 22739 · Saint Francisville Bancshares

State charter, non-member · FDIC · 2 branches

Q2 2026

$398.7MAssets
$302.9MLoans
$346.0MDeposits
$38.6MEquity
Loan mix
91%RE $269.7M7%C&I $21.9M1%Consumer $3.8MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $245.3M29%Noninterest $100.7MQ2 2025Q2 2026

NIM

5.83%Q2 ’246.09%Q2 ’255.96%Q2 ’26+13%+7%

Non-interest income vs. expense

2.61%Q2 ’242.67%Q2 ’252.78%Q2 ’26+4%+6%

Market Position · Baton Rouge, LA · 2026 SOD (annual) · 1.3% share · #11 of 40 inst. · $0.3B of $26.7B

70.3% West Feliciana
0.4% East Baton Rouge

Executive Summary

  • Earnings: ROA of 1.18%, up 15 bps year over year; NIM at 4.19%.
  • Asset quality: problem loans at 0.81% of loans (-15 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 9.87%, up 29 bps from a year ago.
  • Funding: loans stand at 87.54% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.18%+15 bps YoY

Net Interest Margin (YTD, annualized)

4.19%+28 bps YoY

Efficiency Ratio (YTD, annualized)

62.90%-108 bps YoY

Tier 1 Leverage Ratio

9.87%+29 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.03%1.09%1.04%1.29%1.18%+15 bps
Return on Equity11.48%11.86%11.06%13.00%12.02%+54 bps
Net Interest Margin3.91%3.89%4.00%4.35%4.19%+28 bps
Efficiency Ratio63.98%63.39%65.31%62.04%62.90%-108 bps
Non-Interest Burden2.41%2.36%2.51%2.61%2.55%+14 bps
Growth
Asset Growth (YoY)11.08%4.66%-2.86%3.76%4.51%-657 bps
Loan Growth (YoY)12.52%8.12%8.89%7.89%6.99%-553 bps
Deposit Growth (YoY)10.60%3.59%-3.51%4.90%5.50%-510 bps
Asset Quality
Nonperforming Loans / Loans0.95%0.96%0.83%0.59%0.81%-15 bps
Net Charge-Offs / Loans-0.02%0.00%0.05%-0.05%-0.03%-1 bps
Allowance / Loans1.24%1.27%1.24%1.27%1.32%+8 bps
Allowance Coverage of NPLs1.3x1.3x1.5x2.2x1.6x+0.3x
Capital
Tier 1 Leverage Ratio9.58%9.85%10.13%10.24%9.87%+29 bps
Total Risk-Based Capital9.58%9.85%10.13%10.24%9.87%+29 bps
Equity / Assets9.31%9.90%10.06%9.73%9.67%+37 bps
Liquidity & Funding
Loans / Deposits86.32%87.44%89.81%85.53%87.54%+122 bps
Liquid Assets / Assets12.90%9.98%6.15%9.42%8.44%-446 bps
CRE / Total Capitaln/a356%387%357%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

Bank of St. Francisville

Saint Francisville, LA · Cert 22739 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Saint Francisville Bancshares

State charter, non-member · FDIC · 2 branches

Q2 2026

$398.7MAssets
$302.9MLoans
$346.0MDeposits
$38.6MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 77% of banks under $1B in assets operating in a single state (rank 174 of 746).
  • Widest gap: total risk-based capital ratio trails 94% of banks under $1B in assets operating in a single state (rank 704 of 746).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.16%

Rank 319 of 746

Net Interest Margin

4.19%

Rank 174 of 746

Efficiency Ratio

62.90%

Rank 334 of 746

Equity / Assets

9.67%

Rank 469 of 746

Non-interest income vs. expense

$0.9M$11.1MINCOMEEXPENSE
Unfavorable gap of $10.2M · efficiency ratio beats 55% of banks under $1B in assets operating in a single state
Bank 62.90%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.16%0.72%1.06%1.45%Beats 57%319 / 746
Return on Equity11.97%6.74%10.51%13.63%Beats 62%280 / 746
Net Interest Margin4.19%3.17%3.68%4.16%Beats 77%174 / 746
Efficiency Ratio62.90%55.74%64.58%75.47%Beats 55%334 / 746
Asset Quality
Nonperforming Loans / Loans0.81%0.09%0.42%1.07%Beats 33%502 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 67%251 / 743
Capital
Tier 1 Capital Ratio9.87%11.55%13.75%17.60%Beats 6%702 / 746
Total Risk-Based Capital Ratio9.87%11.71%14.33%18.43%Beats 6%704 / 746
Equity / Assets9.67%8.90%10.51%13.06%Beats 37%469 / 746
Liquidity & Funding
Loans / Deposits87.54%61.31%78.27%90.78%69th pctl228 / 746
Loans / Assets75.96%53.60%66.97%76.08%74th pctl191 / 746
Brokered Deposits / Depositsn/aNot reported for this institution