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Delta Bank

Vidalia, LA · Cert 26564 · Central Louisiana Capital Corp.

State charter, non-member · FDIC · 7 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 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 under $1B in assets operating regionally (n=94). 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

24

Q2 2024Q2 2026peer median (50)

Asset Quality

37

Q2 2024Q2 2026peer median (50)

Profitability

76

Q2 2024Q2 2026peer median (50)

Liquidity

96

Q2 2024Q2 2026peer median

Efficiency

80

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

Delta Bank

Vidalia, LA · Cert 26564 · Central Louisiana Capital Corp.

State charter, non-member · FDIC · 7 branches

Q2 2026

$632.0MAssets
$474.7MLoans
$558.5MDeposits
$61.7MEquity
Loan mix
86%RE $308.5M11%C&I $40.6M2%Consumer $7.9MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $464.9M17%Noninterest $93.6MQ2 2025Q2 2026

NIM

5.34%Q2 ’245.57%Q2 ’255.77%Q2 ’26+9%+9%

Non-interest income vs. expense

2.51%Q2 ’242.56%Q2 ’252.61%Q2 ’26-10%+17%

Market Position · Monroe, LA · 2026 SOD (annual) · 0.1% share · #19 of 20 inst. · $0.0B of $6.2B

37.7% Concordia
100.0% East Carroll
27.1% Madison
4.2% Warren

Executive Summary

  • Earnings: ROA of 1.51%, down 3 bps year over year; NIM at 4.12%.
  • Asset quality: problem loans at 1.04% of loans (-71 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 10.04%, up 34 bps from a year ago.
  • Funding: loans stand at 84.99% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.51%-3 bps YoY

Net Interest Margin (YTD, annualized)

4.12%+33 bps YoY

Efficiency Ratio (YTD, annualized)

55.28%+8 bps YoY

Tier 1 Leverage Ratio

10.04%+34 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.54%1.49%1.47%1.48%1.51%-3 bps
Return on Equity15.93%15.29%15.02%14.90%15.34%-59 bps
Net Interest Margin3.79%3.72%3.91%4.11%4.12%+33 bps
Efficiency Ratio55.19%54.92%54.87%55.97%55.28%+8 bps
Non-Interest Burden1.71%1.71%1.81%2.04%2.01%+30 bps
Growth
Asset Growth (YoY)2.92%-1.25%7.05%2.85%2.06%-87 bps
Loan Growth (YoY)7.65%0.34%6.64%4.39%1.59%-606 bps
Deposit Growth (YoY)6.67%7.75%10.53%5.45%5.99%-68 bps
Asset Quality
Nonperforming Loans / Loans1.74%1.99%2.33%1.00%1.04%-71 bps
Net Charge-Offs / Loans0.05%0.07%0.19%-0.01%0.02%-3 bps
Allowance / Loans0.66%0.78%0.77%0.76%0.77%+11 bps
Allowance Coverage of NPLs0.4x0.4x0.3x0.8x0.7x+0.4x
Capital
Tier 1 Leverage Ratio9.70%9.54%10.09%9.92%10.04%+34 bps
Total Risk-Based Capital9.70%9.54%10.09%9.92%10.04%+34 bps
Equity / Assets9.46%9.91%10.05%9.78%9.77%+31 bps
Liquidity & Funding
Loans / Deposits88.67%83.78%80.40%79.91%84.99%-368 bps
Liquid Assets / Assets17.30%17.87%20.14%20.41%17.49%+20 bps
CRE / Total Capitaln/a185.41%183.83%175.27%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

Delta Bank

Vidalia, LA · Cert 26564 · Peer group: banks under $1B in assets operating regionally (n=94) · Central Louisiana Capital Corp.

State charter, non-member · FDIC · 7 branches

Q2 2026

$632.0MAssets
$474.7MLoans
$558.5MDeposits
$61.7MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 81% of banks under $1B in assets operating regionally (rank 18 of 94).
  • Widest gap: total risk-based capital ratio trails 83% of banks under $1B in assets operating regionally (rank 78 of 94).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.48%

Rank 23 of 94

Net Interest Margin

4.12%

Rank 27 of 94

Efficiency Ratio

55.32%

Rank 20 of 94

Equity / Assets

9.77%

Rank 59 of 94

Non-interest income vs. expense

$3.7M$16.2MINCOMEEXPENSE
Unfavorable gap of $12.4M · efficiency ratio beats 80% of banks under $1B in assets operating regionally
Bank 55.32%Peer median 62.4%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.48%0.82%1.19%1.46%Beats 76%23 / 94
Return on Equity15.13%7.85%11.84%14.03%Beats 81%18 / 94
Net Interest Margin4.12%3.42%3.81%4.18%Beats 71%27 / 94
Efficiency Ratio55.32%55.99%62.41%73.02%Beats 80%20 / 94
Asset Quality
Nonperforming Loans / Loans1.04%0.19%0.47%1.14%Beats 30%67 / 94
Net Charge-Offs / Loans0.03%0.00%0.02%0.05%Beats 44%54 / 94
Capital
Tier 1 Capital Ratio10.04%10.28%11.95%15.07%Beats 19%76 / 94
Total Risk-Based Capital Ratio10.04%10.31%12.59%15.88%Beats 17%78 / 94
Equity / Assets9.77%8.98%10.21%11.41%Beats 37%59 / 94
Liquidity & Funding
Loans / Deposits84.99%72.62%84.44%94.55%52nd pctl45 / 94
Loans / Assets75.11%62.50%72.84%78.99%62nd pctl36 / 94
Brokered Deposits / Depositsn/aNot reported for this institution