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Beauregard Federal Savings Bank

Deridder, LA · Cert 30339 · Homeland Bancshares Inc.

State savings bank · OCC · 2 affiliate banks · 2 branches (8 in holding)

Q2 2026

$106.4MAssets
$83.2MLoans
$84.9MDeposits
$12.1MEquity
Loan mix
85%RE $66.6M9%C&I $6.9M6%Consumer $4.4MQ2 2025Q2 2026
Deposit mix
95%Interest-bearing $80.5M5%Noninterest $4.5MQ2 2025Q2 2026

NIM

6.16%Q2 ’246.10%Q2 ’256.49%Q2 ’26-4%+2%

Non-interest income vs. expense

4.08%Q2 ’244.03%Q2 ’253.38%Q2 ’26+5%-16%

Executive Summary

  • Earnings: ROA of 0.90%, up 52 bps year over year; NIM at 4.59%.
  • Asset quality: problem loans at 3.36% of loans (-183 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 9.70%, down 125 bps from a year ago.
  • Funding: loans stand at 97.92% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.90%+52 bps YoY

Net Interest Margin (YTD, annualized)

4.59%+9 bps YoY

Efficiency Ratio (YTD, annualized)

68.26%-1,193 bps YoY

Tier 1 Leverage Ratio

9.70%-125 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.38%0.41%0.62%0.96%0.90%+52 bps
Return on Equity2.83%3.12%4.89%8.24%7.74%+491 bps
Net Interest Margin4.49%4.07%4.20%4.74%4.59%+9 bps
Efficiency Ratio80.19%79.44%73.24%67.15%68.26%-1,193 bps
Non-Interest Burden3.84%3.45%3.28%3.37%3.22%-62 bps
Growth
Asset Growth (YoY)10.16%23.06%22.60%28.11%22.43%+1,227 bps
Loan Growth (YoY)30.27%28.42%36.11%38.64%25.97%-430 bps
Deposit Growth (YoY)-0.79%12.45%15.80%22.56%28.04%+2,882 bps
Asset Quality
Nonperforming Loans / Loans5.18%4.27%2.85%2.38%3.36%-183 bps
Net Charge-Offs / Loans0.10%0.41%0.32%0.00%0.03%-7 bps
Allowance / Loans1.12%0.84%0.81%0.79%0.81%-31 bps
Allowance Coverage of NPLs0.2x0.2x0.3x0.3x0.2x0.0x
Capital
Tier 1 Leverage Ratio10.95%9.95%10.04%9.77%9.70%-125 bps
Total Risk-Based Capital10.95%9.95%10.04%9.77%9.70%-125 bps
Equity / Assets12.89%12.16%11.78%11.60%11.38%-151 bps
Liquidity & Funding
Loans / Deposits99.53%94.38%94.87%95.08%97.92%-161 bps
Liquid Assets / Assets16.89%19.19%18.50%17.66%16.17%-72 bps
CRE / Total Capitaln/a218%239%222%n/an/a