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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

$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