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Landmark Bank

Clinton, LA · Cert 307 · Clinton Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=751 to 755). 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

33

Q2 2024Q2 2026peer median (50)

Asset Quality

32

Q2 2024Q2 2026peer median (50)

Profitability

45

Q2 2024Q2 2026peer median (50)

Liquidity

83

Q2 2024Q2 2026peer median

Efficiency

24

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

Landmark Bank

Clinton, LA · Cert 307 · Clinton Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$229.8MAssets
$167.9MLoans
$204.0MDeposits
$24.9MEquity
Loan mix
87%RE $143.5M9%C&I $14.0M5%Consumer $7.6MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $154.1M24%Noninterest $49.8MQ2 2025Q2 2026

NIM

5.81%Q2 ’245.95%Q2 ’256.02%Q2 ’26+12%0%

Non-interest income vs. expense

3.60%Q2 ’243.69%Q2 ’253.51%Q2 ’26+6%-6%

Market Position · Baton Rouge, LA · 2026 SOD (annual) · 0.8% share · #17 of 40 inst. · $0.2B of $26.7B

36.7% East Feliciana
0.3% East Baton Rouge
2.0% West Baton Rouge
6.7% St. Helena

Executive Summary

  • Earnings: ROA of 0.72%, up 9 bps year over year; NIM at 4.30%.
  • Asset quality: problem loans at 1.91% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.46%, up 120 bps from a year ago.
  • Funding: loans stand at 82.33% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.72%+9 bps YoY

Net Interest Margin (YTD, annualized)

4.30%0 bps YoY

Efficiency Ratio (YTD, annualized)

76.30%-424 bps YoY

Tier 1 Leverage Ratio

11.46%+120 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.66%0.61%0.75%0.72%+9 bps
Return on Equity7.03%7.35%6.77%7.69%7.08%+5 bps
Net Interest Margin4.30%4.36%4.28%3.85%4.30%0 bps
Efficiency Ratio80.54%79.51%79.73%74.44%76.30%-424 bps
Non-Interest Burden3.41%3.41%3.35%2.79%3.21%-20 bps
Growth
Asset Growth (YoY)1.28%6.71%25.78%13.98%12.53%+1,125 bps
Loan Growth (YoY)6.12%9.33%9.97%11.01%8.60%+248 bps
Deposit Growth (YoY)0.63%6.63%24.59%12.15%10.56%+993 bps
Asset Quality
Nonperforming Loans / Loans1.90%1.96%1.51%1.66%1.91%0 bps
Net Charge-Offs / Loans0.26%0.17%0.12%0.02%0.01%-25 bps
Allowance / Loans0.92%0.96%1.01%1.05%1.09%+17 bps
Allowance Coverage of NPLs0.5x0.5x0.7x0.6x0.6x+0.1x
Capital
Tier 1 Leverage Ratio10.26%10.15%12.27%10.27%11.46%+120 bps
Total Risk-Based Capital10.26%10.15%12.27%10.27%11.46%+120 bps
Equity / Assets9.26%9.14%9.10%10.59%10.84%+157 bps
Liquidity & Funding
Loans / Deposits83.81%82.84%66.80%79.61%82.33%-148 bps
Liquid Assets / Assets3.86%5.22%19.65%9.25%5.75%+189 bps
CRE / Total Capitaln/a269%236%243%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.

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

Landmark Bank

Clinton, LA · Cert 307 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · Clinton Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$229.8MAssets
$167.9MLoans
$204.0MDeposits
$24.9MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 80% of banks under $1B in assets operating in a single state (rank 148 of 755).
  • Widest gap: nonperforming loans / loans trails 88% of banks under $1B in assets operating in a single state (rank 661 of 751).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.76%

Rank 543 of 755

Net Interest Margin

4.30%

Rank 148 of 755

Efficiency Ratio

76.30%

Rank 574 of 755

Equity / Assets

10.84%

Rank 350 of 755

Non-interest income vs. expense

$0.7M$8.1MINCOMEEXPENSE
Unfavorable gap of $7.4M · efficiency ratio beats 24% of banks under $1B in assets operating in a single state
Bank 76.30%Peer median 64.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.76%0.72%1.06%1.45%Beats 28%543 / 755
Return on Equity7.04%6.66%10.44%13.61%Beats 28%547 / 755
Net Interest Margin4.30%3.15%3.68%4.17%Beats 80%148 / 755
Efficiency Ratio76.30%55.75%64.78%75.61%Beats 24%574 / 755
Asset Quality
Nonperforming Loans / Loans1.91%0.09%0.42%1.05%Beats 12%661 / 751
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 51%372 / 751
Capital
Tier 1 Capital Ratio11.46%11.56%13.81%17.74%Beats 24%577 / 755
Total Risk-Based Capital Ratio11.46%11.72%14.46%18.53%Beats 22%591 / 755
Equity / Assets10.84%8.93%10.56%13.13%Beats 54%350 / 755
Liquidity & Funding
Loans / Deposits82.33%62.43%78.62%91.00%57th pctl321 / 755
Loans / Assets73.06%54.70%67.27%76.55%66th pctl260 / 755
Brokered Deposits / Depositsn/aNot reported for this institution