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Catalyst Bank

Opelousas, LA · Cert 29804 · Catalyst Bcorp Inc.

State savings bank · OCC · 6 branches

Q2 2026

$286.8MAssets
$162.8MLoans
$201.2MDeposits
$74.6MEquity
Loan mix
83%RE $136.3M16%C&I $25.6M1%Consumer $1.7MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $161.0M20%Noninterest $40.1MQ2 2025Q2 2026

NIM

4.97%Q2 ’245.15%Q2 ’254.94%Q2 ’26+7%-3%

Non-interest income vs. expense

2.81%Q2 ’243.12%Q2 ’253.09%Q2 ’26+14%0%

Market Position · Lafayette, LA · 2026 SOD (annual) · 0.3% share · #28 of 41 inst. · $0.0B of $12.2B

8.9% St. Landry
0.5% Lafayette

Executive Summary

  • Earnings: ROA of 0.91%, up 5 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 1.43% of loans (+43 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 26.55%, down 101 bps from a year ago.
  • Funding: loans stand at 80.93% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.91%+5 bps YoY

Net Interest Margin (quarter, annualized)

3.56%-10 bps YoY

Efficiency Ratio (quarter, annualized)

76.29%+166 bps YoY

Tier 1 Leverage Ratio

26.55%-101 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%0.75%0.70%0.94%0.91%+5 bps
Return on Equity3.17%2.88%2.71%3.60%3.52%+35 bps
Net Interest Margin3.67%3.61%3.63%3.50%3.56%-10 bps
Efficiency Ratio74.63%77.39%75.59%74.14%76.29%+166 bps
Non-Interest Burden2.61%2.72%2.62%2.47%2.60%0 bps
Growth
Asset Growth (YoY)-7.23%1.31%2.33%6.34%6.04%+1,327 bps
Loan Growth (YoY)9.33%-0.67%1.88%-1.45%-2.85%-1,219 bps
Deposit Growth (YoY)2.09%12.37%1.24%9.96%6.73%+464 bps
Asset Quality
Nonperforming Loans / Loans1.00%1.11%1.55%1.64%1.43%+43 bps
Net Charge-Offs / Loans0.10%0.00%0.10%0.09%0.00%-10 bps
Allowance / Loans1.45%1.45%1.39%1.40%1.34%-11 bps
Allowance Coverage of NPLs1.5x1.3x0.9x0.9x0.9x-0.5x
Capital
Tier 1 Leverage Ratio27.56%27.58%27.36%26.22%26.55%-101 bps
Total Risk-Based Capital44.98%45.20%43.71%45.55%44.62%-36 bps
Equity / Assets26.36%25.72%26.11%25.87%26.00%-35 bps
Liquidity & Funding
Loans / Deposits88.91%85.58%89.25%81.57%80.93%-798 bps
Liquid Assets / Assets18.85%17.00%12.87%17.02%18.43%-42 bps
CRE / Total Capitaln/a77.85%75.95%76.72%n/an/a