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Abbeville Building and Loan, A State Chartered Savings Bank

Abbeville, LA · Cert 30332

SI · FDIC · 1 branch

Q2 2026

$67.9MAssets
$47.2MLoans
$47.0MDeposits
$19.7MEquity
Loan mix
100%RE $45.0M0%C&I $0.0M0%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $42.1M10%Noninterest $4.9MQ2 2025Q2 2026

NIM

4.90%Q2 ’244.99%Q2 ’254.94%Q2 ’26-12%+8%

Non-interest income vs. expense

5.09%Q2 ’244.76%Q2 ’254.49%Q2 ’26-6%-18%

Market Position · Lafayette, LA · 2026 SOD (annual) · 0.4% share · #27 of 41 inst. · $0.0B of $12.2B

Executive Summary

  • Earnings: ROA of 0.42%, up 55 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 1.31% of loans (-93 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 29.43%, down 47 bps from a year ago.
  • Funding: loans stand at 100.53% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.42%+55 bps YoY

Net Interest Margin (YTD, annualized)

3.29%+25 bps YoY

Efficiency Ratio (YTD, annualized)

87.62%-1,696 bps YoY

Tier 1 Leverage Ratio

29.43%-47 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.13%0.07%0.06%0.25%0.42%+55 bps
Return on Equity-0.44%0.24%0.22%0.86%1.43%+187 bps
Net Interest Margin3.04%3.10%3.12%3.31%3.29%+25 bps
Efficiency Ratio104.59%99.31%99.07%91.72%87.62%-1,696 bps
Non-Interest Burden3.25%3.07%3.08%2.88%2.66%-59 bps
Growth
Asset Growth (YoY)11.86%3.38%4.50%2.64%2.07%-979 bps
Loan Growth (YoY)5.32%-1.95%-1.36%4.15%5.87%+55 bps
Deposit Growth (YoY)17.53%10.43%6.73%3.66%2.31%-1,522 bps
Asset Quality
Nonperforming Loans / Loans2.24%2.35%1.61%2.51%1.31%-93 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.95%0.91%0.90%0.88%0.83%-12 bps
Allowance Coverage of NPLs0.4x0.4x0.6x0.4x0.6x+0.2x
Capital
Tier 1 Leverage Ratio29.90%29.54%29.33%29.81%29.43%-47 bps
Total Risk-Based Capital40.73%42.21%41.30%39.96%40.48%-25 bps
Equity / Assets29.26%29.38%29.61%29.57%28.99%-26 bps
Liquidity & Funding
Loans / Deposits97.16%95.90%97.45%99.25%100.53%+337 bps
Liquid Assets / Assets23.44%24.64%23.65%22.82%21.52%-191 bps
CRE / Total Capitaln/a65.22%69.86%74.80%n/an/a