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Mer Rouge State Bank, The

Mer Rouge, LA · Cert 314

State charter, non-member · 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=570 to 617). 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

43

Q2 2024Q2 2026peer median (50)

Asset Quality

73

Q2 2024Q2 2026peer median (50)

Profitability

67

Q2 2024Q2 2026peer median (50)

Liquidity

89

Q2 2024Q2 2026peer median

Efficiency

39

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

Mer Rouge State Bank, The

Mer Rouge, LA · Cert 314

State charter, non-member · FDIC · 1 branch

Q2 2026

$51.8MAssets
$34.2MLoans
$45.0MDeposits
$5.6MEquity
Loan mix
76%RE $16.3M21%C&I $4.4M3%Consumer $0.6MQ2 2025Q2 2026
Deposit mix
65%Interest-bearing $29.5M35%Noninterest $15.5MQ2 2025Q2 2026

NIM

5.87%Q2 ’246.08%Q2 ’255.70%Q2 ’26+2%-2%

Non-interest income vs. expense

3.54%Q2 ’243.84%Q2 ’253.50%Q2 ’26+10%-8%

Market Position · Monroe, LA · 2026 SOD (annual) · 0.7% share · #18 of 20 inst. · $0.0B of $6.2B

Executive Summary

  • Earnings: ROA of 1.15%, up 59 bps year over year; NIM at 4.60%.
  • Asset quality: problem loans at 0.55% of loans (-87 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.61%, down 81 bps from a year ago.
  • Funding: loans stand at 76.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.15%+59 bps YoY

Net Interest Margin (YTD, annualized)

4.60%-11 bps YoY

Efficiency Ratio (YTD, annualized)

72.45%-459 bps YoY

Tier 1 Leverage Ratio

12.61%-81 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.56%0.54%0.61%1.04%1.15%+59 bps
Return on Equity5.64%5.23%5.95%9.58%10.61%+496 bps
Net Interest Margin4.71%4.69%4.46%4.58%4.60%-11 bps
Efficiency Ratio77.04%79.00%78.62%74.10%72.45%-459 bps
Non-Interest Burden3.56%3.65%3.45%3.32%3.26%-30 bps
Growth
Asset Growth (YoY)-0.36%2.19%0.14%-1.92%11.35%+1,170 bps
Loan Growth (YoY)0.27%4.78%13.33%25.52%35.50%+3,523 bps
Deposit Growth (YoY)-1.59%1.69%-1.29%-3.32%8.93%+1,052 bps
Asset Quality
Nonperforming Loans / Loans1.42%2.92%0.00%0.00%0.55%-87 bps
Net Charge-Offs / Loans0.01%0.00%0.00%0.00%0.00%-1 bps
Allowance / Loans1.24%1.15%1.28%1.08%0.94%-30 bps
Allowance Coverage of NPLs0.9x0.4xn/an/a1.7x+0.9x
Capital
Tier 1 Leverage Ratio13.43%13.76%13.01%12.57%12.61%-81 bps
Total Risk-Based Capital13.43%13.76%13.01%12.57%12.61%-81 bps
Equity / Assets10.91%11.09%10.66%10.98%10.87%-4 bps
Liquidity & Funding
Loans / Deposits61.10%66.05%56.53%67.73%76.00%+1,490 bps
Liquid Assets / Assets11.57%9.00%17.05%14.84%12.12%+56 bps
CRE / Total Capitaln/a83.69%141.17%157.94%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

Mer Rouge State Bank, The

Mer Rouge, LA · Cert 314 · Peer group: banks under $1B in assets (n=570-617)

State charter, non-member · FDIC · 1 branch

Q2 2026

$51.8MAssets
$34.2MLoans
$45.0MDeposits
$5.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 160 of 570).
  • Widest gap: total risk-based capital ratio trails 65% of banks under $1B in assets (rank 400 of 617).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.12%

Rank 269 of 617

Net Interest Margin

4.60%

Rank 55 of 617

Efficiency Ratio

72.45%

Rank 380 of 617

Equity / Assets

10.87%

Rank 287 of 617

Non-interest income vs. expense

$0.1M$1.8MINCOMEEXPENSE
Unfavorable gap of $1.7M · efficiency ratio beats 39% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.12%0.60%1.01%1.45%Beats 56%269 / 617
Return on Equity10.30%5.30%9.43%13.30%Beats 55%277 / 617
Net Interest Margin4.60%3.04%3.54%4.05%Beats 91%55 / 617
Efficiency Ratio72.45%58.03%67.76%79.08%Beats 39%380 / 617
Asset Quality
Nonperforming Loans / Loans0.55%0.09%0.47%1.27%Beats 46%308 / 570
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%160 / 570
Capital
Tier 1 Capital Ratio12.61%11.18%13.83%18.55%Beats 40%373 / 617
Total Risk-Based Capital Ratio12.61%11.56%14.39%19.39%Beats 35%400 / 617
Equity / Assets10.87%9.03%10.55%13.63%Beats 53%287 / 617
Liquidity & Funding
Loans / Deposits76.00%64.77%79.70%93.06%43rd pctl330 / 582
Loans / Assets65.99%51.70%67.18%77.51%48th pctl322 / 617
Brokered Deposits / Depositsn/aNot reported for this institution