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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

5.57%Q2 ’245.85%Q2 ’255.84%Q2 ’26+13%+5%

Non-interest income vs. expense

2.48%Q2 ’242.64%Q2 ’252.60%Q2 ’26-18%+31%

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 1.55%, down 24 bps year over year; NIM at 4.16%.
  • Asset quality: problem loans at 1.04% of loans (-71 bps YoY), with net charge-offs at 0.06%.
  • 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 (quarter, annualized)

1.55%-24 bps YoY

Net Interest Margin (quarter, annualized)

4.16%+19 bps YoY

Efficiency Ratio (quarter, annualized)

54.60%+271 bps YoY

Tier 1 Leverage Ratio

10.04%+34 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.79%1.36%1.41%1.48%1.55%-24 bps
Return on Equity18.87%14.04%14.08%14.90%15.85%-302 bps
Net Interest Margin3.97%3.80%4.02%4.11%4.16%+19 bps
Efficiency Ratio51.89%54.35%54.74%55.97%54.60%+271 bps
Non-Interest Burden1.53%1.79%1.92%2.04%2.00%+47 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%0.09%0.54%-0.01%0.06%+1 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