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Rayne Building & Loan Association

Rayne, LA · Cert 30447

SL · FDIC · 1 branch

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

88

Q2 2024Q2 2026peer median (50)

Asset Quality

72

Q2 2024Q2 2026peer median (50)

Profitability

5

Q2 2024Q2 2026peer median (50)

Liquidity

71

Q2 2024Q2 2026peer median

Efficiency

6

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

Rayne Building & Loan Association

Rayne, LA · Cert 30447

SL · FDIC · 1 branch

Q2 2026

$50.8MAssets
$25.8MLoans
$36.1MDeposits
$14.2MEquity
Loan mix
95%RE $24.3M3%C&I $0.8M2%Consumer $0.6MQ2 2025Q2 2026
Deposit mix
100%Interest-bearing $36.0M0%Noninterest $0.1MQ2 2025Q2 2026

NIM

4.15%Q2 ’244.29%Q2 ’254.16%Q2 ’26+11%-5%

Non-interest income vs. expense

2.63%Q2 ’242.78%Q2 ’252.92%Q2 ’26+0%+6%

Market Position · Lafayette, LA · 2026 SOD (annual) · 0.3% share · #30 of 41 inst. · $0.0B of $12.2B

Executive Summary

  • Earnings: ROA of -1.32%, down 272 bps year over year; NIM at 2.23%.
  • Asset quality: problem loans at 0.61% of loans (-79 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 29.06%, up 6 bps from a year ago.
  • Funding: loans stand at 71.49% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-1.32%-272 bps YoY

Net Interest Margin (YTD, annualized)

2.23%-12 bps YoY

Efficiency Ratio (YTD, annualized)

106.32%+948 bps YoY

Tier 1 Leverage Ratio

29.06%+6 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.40%1.26%10.81%1-2.24%-1.32%-272 bps
Return on Equity5.23%4.63%2.96%-8.02%-4.72%-995 bps
Net Interest Margin2.35%2.35%2.32%2.14%2.23%-12 bps
Efficiency Ratio96.84%101.49%98.76%114.29%106.32%+948 bps
Non-Interest Burden2.24%2.37%2.26%2.50%2.38%+14 bps
Growth
Asset Growth (YoY)-3.09%-0.43%0.14%-1.68%-3.20%-11 bps
Loan Growth (YoY)-13.57%-9.04%-8.61%-13.79%-6.45%+713 bps
Deposit Growth (YoY)-6.12%-3.25%-1.88%-3.20%-3.91%+221 bps
Asset Quality
Nonperforming Loans / Loans1.40%1.00%0.75%0.65%0.61%-79 bps
Net Charge-Offs / Loans-0.29%-0.20%-0.16%0.00%0.00%+29 bps
Allowance / Loans1.09%1.12%1.17%1.17%1.16%+7 bps
Allowance Coverage of NPLs0.8x1.1x1.6x1.8x1.9x+1.1x
Capital
Tier 1 Leverage Ratio29.00%29.34%29.29%28.86%29.06%+6 bps
Total Risk-Based Capital29.00%29.34%29.29%28.86%29.06%+6 bps
Equity / Assets27.37%28.10%28.02%27.89%27.90%+53 bps
Liquidity & Funding
Loans / Deposits73.42%72.63%69.03%70.14%71.49%-194 bps
Liquid Assets / Assets14.65%11.71%10.17%9.76%9.32%-533 bps
CRE / Total Capitaln/a34.61%34.77%35.11%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. 1 One-time gains made up most of net income in the marked periods.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Rayne Building & Loan Association

Rayne, LA · Cert 30447 · Peer group: banks under $1B in assets (n=581-629)

SL · FDIC · 1 branch

Q2 2026

$50.8MAssets
$25.8MLoans
$36.1MDeposits
$14.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: return on assets trails 96% of banks under $1B in assets (rank 604 of 629).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

-1.34%

Rank 604 of 629

Net Interest Margin

2.23%

Rank 590 of 629

Efficiency Ratio

106.32%

Rank 590 of 629

Equity / Assets

27.90%

Rank 61 of 629

Non-interest income vs. expense

$0.3M$1.5MINCOMEEXPENSE
Unfavorable gap of $1.2M · efficiency ratio beats 6% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-1.34%0.60%1.01%1.45%Beats 4%604 / 629
Return on Equity-4.80%5.38%9.30%13.28%Beats 5%597 / 629
Net Interest Margin2.23%3.03%3.54%4.05%Beats 6%590 / 629
Efficiency Ratio106.32%58.35%67.79%79.08%Beats 6%590 / 629
Asset Quality
Nonperforming Loans / Loans0.61%0.09%0.46%1.20%Beats 43%332 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio29.06%11.24%13.84%18.77%Beats 87%84 / 629
Total Risk-Based Capital Ratio29.06%11.58%14.43%19.66%Beats 86%86 / 629
Equity / Assets27.90%9.09%10.65%13.80%Beats 90%61 / 629
Liquidity & Funding
Loans / Deposits71.49%67.24%80.90%93.48%33rd pctl399 / 594
Loans / Assets50.80%53.31%67.71%78.15%22nd pctl493 / 629
Brokered Deposits / Depositsn/aNot reported for this institution