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Letter portraitLegal landscapeQuarterYTD

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 $2.6MQ3 2024Q2 2026
Deposit mix
86%Interest-bearing $141.0M14%Noninterest $23.3MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%0.78%0.90%0.92%1.01%0.91%0.53%0.45%-47 bps
Return on Equity8.68%8.25%9.23%9.04%9.70%8.76%4.96%2.63%-641 bps
Net Interest Margin3.61%3.61%3.96%4.17%4.17%4.02%4.01%3.73%-44 bps
Efficiency Ratio74.62%74.54%75.46%75.21%73.42%75.37%85.00%87.93%+1,272 bps
Non-Interest Burden2.49%2.49%2.82%2.93%2.83%2.82%3.32%3.22%+29 bps
Growth
Asset Growth (YoY)17.16%20.06%5.18%-13.36%-8.47%-5.21%-1.18%34.02%+4,739 bps
Loan Growth (YoY)7.45%11.50%-3.32%-11.63%-5.67%-8.64%1.06%17.99%+2,962 bps
Deposit Growth (YoY)22.05%24.19%9.67%-14.70%-12.86%-5.81%-5.80%7.47%+2,217 bps
Asset Quality
Nonperforming Loans / Loans0.54%0.56%0.53%0.00%0.28%1.79%1.39%1.16%+116 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.22%1.30%1.48%1.45%1.39%1.42%1.47%1.28%-18 bps
Allowance Coverage of NPLs2.2x2.3x2.8xn/a5.0x0.8x1.1x1.1xn/a
Capital
Tier 1 Leverage Ratio9.82%9.90%10.05%11.14%11.32%11.13%11.09%29.90%+1,877 bps
Total Risk-Based Capital16.18%16.10%18.51%18.64%18.21%18.15%18.65%48.42%+2,978 bps
Equity / Assets9.59%9.28%10.16%11.19%11.12%10.62%10.76%27.64%+1,646 bps
Liquidity & Funding
Loans / Deposits74.58%75.45%68.82%80.45%80.74%73.19%73.83%88.32%+787 bps
Liquid Assets / Assets3.62%2.11%2.98%5.06%1.70%2.06%2.16%2.49%-257 bps
CRE / Total Capitaln/an/an/an/a171.01%175.21%177.33%n/an/a