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Anthem Bank & Trust

Plaquemine, LA · Cert 29679

State savings bank · OCC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

91

Q2 2024Q2 2026peer median (50)

Asset Quality

63

Q2 2024Q2 2026peer median (50)

Profitability

29

Q2 2024Q2 2026peer median (50)

Liquidity

66

Q2 2024Q2 2026peer median

Efficiency

15

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

Anthem Bank & Trust

Plaquemine, LA · Cert 29679

State savings bank · OCC · 4 branches

Q2 2026

$250.1MAssets
$145.1MLoans
$164.2MDeposits
$69.1MEquity
Loan mix
49%RE $60.6M48%C&I $59.4M2%Consumer $2.6MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $141.0M14%Noninterest $23.3MQ2 2025Q2 2026

NIM

5.91%Q2 ’246.61%Q2 ’255.36%Q2 ’26+16%-11%

Non-interest income vs. expense

3.48%Q2 ’243.77%Q2 ’253.72%Q2 ’26+12%+10%

Market Position · Baton Rouge, LA · 2026 SOD (annual) · 0.4% share · #26 of 40 inst. · $0.1B of $26.7B

13.1% Iberville
0.1% Travis
0.1% East Baton Rouge
0.0% Miami-Dade

Executive Summary

  • Earnings: ROA of 0.45%, down 47 bps year over year; NIM at 3.73%.
  • Asset quality: problem loans at 1.16% of loans (+116 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 29.90%, up 1,877 bps from a year ago.
  • Funding: loans stand at 88.32% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.45%-47 bps YoY

Net Interest Margin (YTD, annualized)

3.73%-44 bps YoY

Efficiency Ratio (YTD, annualized)

87.93%+1,272 bps YoY

Tier 1 Leverage Ratio

29.90%+1,877 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.92%1.01%0.91%0.53%0.45%-47 bps
Return on Equity9.04%9.70%8.76%4.96%2.63%-641 bps
Net Interest Margin4.17%4.17%4.02%4.01%3.73%-44 bps
Efficiency Ratio75.21%73.42%75.37%85.00%87.93%+1,272 bps
Non-Interest Burden2.93%2.83%2.82%3.32%3.22%+29 bps
Growth
Asset Growth (YoY)-13.36%-8.47%-5.21%-1.18%34.02%+4,739 bps
Loan Growth (YoY)-11.63%-5.67%-8.64%1.06%17.99%+2,962 bps
Deposit Growth (YoY)-14.70%-12.86%-5.81%-5.80%7.47%+2,217 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.28%1.79%1.39%1.16%+116 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.45%1.39%1.42%1.47%1.28%-18 bps
Allowance Coverage of NPLsn/a5.0x0.8x1.1x1.1xn/a
Capital
Tier 1 Leverage Ratio11.14%11.32%11.13%11.09%29.90%+1,877 bps
Total Risk-Based Capital18.64%18.21%18.15%18.65%48.42%+2,978 bps
Equity / Assets11.19%11.12%10.62%10.76%27.64%+1,646 bps
Liquidity & Funding
Loans / Deposits80.45%80.74%73.19%73.83%88.32%+787 bps
Liquid Assets / Assets5.06%1.70%2.06%2.16%2.49%-257 bps
CRE / Total Capitaln/a171.01%175.21%177.33%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

Anthem Bank & Trust

Plaquemine, LA · Cert 29679 · Peer group: banks under $1B in assets (n=581-629)

State savings bank · OCC · 4 branches

Q2 2026

$250.1MAssets
$145.1MLoans
$164.2MDeposits
$69.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: return on equity trails 89% of banks under $1B in assets (rank 562 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.39%

Rank 527 of 629

Net Interest Margin

3.73%

Rank 257 of 629

Efficiency Ratio

87.93%

Rank 535 of 629

Equity / Assets

27.64%

Rank 62 of 629

Non-interest income vs. expense

$1.2M$8.7MINCOMEEXPENSE
Unfavorable gap of $7.5M · efficiency ratio beats 15% of banks under $1B in assets
Bank 87.93%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.39%0.60%1.01%1.45%Beats 16%527 / 629
Return on Equity1.42%5.38%9.30%13.28%Beats 11%562 / 629
Net Interest Margin3.73%3.03%3.54%4.05%Beats 59%257 / 629
Efficiency Ratio87.93%58.35%67.79%79.08%Beats 15%535 / 629
Asset Quality
Nonperforming Loans / Loans1.16%0.09%0.46%1.20%Beats 26%429 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio47.17%11.24%13.84%18.77%Beats 91%59 / 629
Total Risk-Based Capital Ratio48.42%11.58%14.43%19.66%Beats 91%59 / 629
Equity / Assets27.64%9.09%10.65%13.80%Beats 90%62 / 629
Liquidity & Funding
Loans / Deposits88.32%67.24%80.90%93.48%65th pctl206 / 594
Loans / Assets57.99%53.31%67.71%78.15%31st pctl431 / 629
Brokered Deposits / Depositsn/aNot reported for this institution