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Bonvenu Bank, N.A.

Bossier City, LA · Cert 26381 · Bonvenu Bcorp Inc.

National charter · OCC · 14 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 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 $1B-$10B in assets operating in a single state (n=266 to 267). 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

45

Q2 2024Q2 2026peer median (50)

Asset Quality

89

Q2 2024Q2 2026peer median (50)

Profitability

20

Q2 2024Q2 2026peer median (50)

Liquidity

50

Q2 2024Q2 2026peer median

Efficiency

16

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 2026-10-10

Bonvenu Bank, N.A.

Bossier City, LA · Cert 26381 · Bonvenu Bcorp Inc.

National charter · OCC · 14 branches

Q2 2026

$1.6BAssets
$1.0BLoans
$1.4BDeposits
$139.3MEquity
Loan mix
88%RE $900.7M12%C&I $122.5M0%Consumer $4.4MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $1.0B26%Noninterest $0.4BQ2 2025Q2 2026

NIM

4.68%Q2 ’244.66%Q2 ’254.85%Q2 ’26+2%+18%

Non-interest income vs. expense

2.37%Q2 ’242.45%Q2 ’252.76%Q2 ’26+1%+8%

Market Position · Shreveport-Bossier City, LA · 2026 SOD (annual) · 11.5% share · #3 of 23 inst. · $1.1B of $9.6B

19.2% Bossier
6.4% Caddo
20.2% De Soto
14.7% Webster

Executive Summary

  • Earnings: ROA of 0.76%, up 28 bps year over year; NIM at 3.08%.
  • Asset quality: problem loans at 0.13% of loans (+5 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.04%, up 20 bps from a year ago.
  • Funding: loans stand at 75.22% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.76%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.08%+48 bps YoY

Efficiency Ratio (YTD, annualized)

74.02%-524 bps YoY

Tier 1 Leverage Ratio

10.04%+20 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.48%0.52%0.54%0.63%0.76%+28 bps
Return on Equity5.85%6.23%6.38%7.37%8.75%+290 bps
Net Interest Margin2.60%2.69%2.79%2.99%3.08%+48 bps
Efficiency Ratio79.26%79.00%79.24%76.24%74.02%-524 bps
Non-Interest Burden1.95%2.01%2.10%2.17%2.10%+15 bps
Growth
Asset Growth (YoY)2.31%-1.07%5.05%2.49%-1.76%-407 bps
Loan Growth (YoY)0.39%-3.24%-4.92%1.73%-1.80%-219 bps
Deposit Growth (YoY)6.04%0.94%5.15%4.96%0.06%-598 bps
Asset Quality
Nonperforming Loans / Loans0.08%0.04%0.10%0.13%0.13%+5 bps
Net Charge-Offs / Loans0.08%0.06%0.04%0.00%0.00%-8 bps
Allowance / Loans1.16%1.18%1.17%1.13%1.15%-1 bps
Allowance Coverage of NPLs15.0x26.8x12.2x8.9x9.0x-6.0x
Capital
Tier 1 Leverage Ratio9.84%9.92%10.19%9.66%10.04%+20 bps
Total Risk-Based Capital14.63%14.77%15.13%14.22%14.66%+3 bps
Equity / Assets8.37%8.84%8.57%8.63%8.97%+61 bps
Liquidity & Funding
Loans / Deposits76.63%78.47%71.99%77.21%75.22%-142 bps
Liquid Assets / Assets7.79%2.78%10.52%5.21%4.93%-286 bps
CRE / Total Capitaln/a435%409%449%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 2026-10-10

Bonvenu Bank, N.A.

Bossier City, LA · Cert 26381 · Peer group: banks $1B-$10B in assets operating in a single state (n=266-267) · Bonvenu Bcorp Inc.

National charter · OCC · 14 branches

Q2 2026

$1.6BAssets
$1.0BLoans
$1.4BDeposits
$139.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 95% of banks $1B-$10B in assets operating in a single state (rank 17 of 267).
  • Widest gap: efficiency ratio trails 84% of banks $1B-$10B in assets operating in a single state (rank 224 of 266).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.78%

Rank 223 of 267

Net Interest Margin

3.08%

Rank 210 of 267

Efficiency Ratio

74.02%

Rank 224 of 266

Equity / Assets

8.97%

Rank 214 of 267

Non-interest income vs. expense

$10.4M$43.6MINCOMEEXPENSE
Unfavorable gap of $33.2M · efficiency ratio beats 16% of banks $1B-$10B in assets operating in a single state
Bank 74.02%Peer median 60.2%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.78%0.93%1.23%1.55%Beats 16%223 / 267
Return on Equity8.68%9.16%11.84%14.56%Beats 22%208 / 267
Net Interest Margin3.08%3.12%3.50%3.88%Beats 21%210 / 267
Efficiency Ratio74.02%51.36%60.21%69.66%Beats 16%224 / 266
Asset Quality
Nonperforming Loans / Loans0.13%0.19%0.46%0.89%Beats 83%47 / 267
Net Charge-Offs / Loans0.00%0.01%0.02%0.06%Beats 95%17 / 267
Capital
Tier 1 Capital Ratio13.50%11.29%13.05%15.13%Beats 57%115 / 267
Total Risk-Based Capital Ratio14.66%11.95%13.87%16.27%Beats 59%109 / 267
Equity / Assets8.97%9.18%10.29%11.76%Beats 20%214 / 267
Liquidity & Funding
Loans / Deposits75.22%72.68%86.16%95.22%28th pctl193 / 267
Loans / Assets66.77%62.46%71.96%78.38%32nd pctl182 / 267
Brokered Deposits / Depositsn/aNot reported for this institution