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Crescent Bank

Metairie, LA · Cert 33492 · CB&T Holding Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets operating in a single state (n=258). 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

97

Q2 2024Q2 2026peer median (50)

Asset Quality

9

Q2 2024Q2 2026peer median (50)

Profitability

94

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

100

Q2 2024Q4 2025peer 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

Crescent Bank

Metairie, LA · Cert 33492 · CB&T Holding Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$1.1BAssets
$389.4MLoans
$880.1MDeposits
$153.5MEquity
Loan mix
53%RE $70.0M22%C&I $29.5M25%Consumer $33.2MQ2 2025Q2 2026
Deposit mix
99%Interest-bearing $868.4M1%Noninterest $11.7MQ2 2025Q2 2026

NIM

16.77%Q2 ’2416.98%Q2 ’257.14%Q2 ’26+4%-69%

Non-interest income vs. expense

5.56%Q2 ’246.18%Q2 ’252.96%Q2 ’26+12%+37%

Market Position · New Orleans-Metairie, LA · 2026 SOD (annual) · 2.1% share · #8 of 32 inst. · $0.8B of $36.0B

5.6% Jefferson
1.3% St. Tammany

Executive Summary

  • Earnings: ROA of 8.34%, up 567 bps year over year; NIM at 4.09%.
  • Asset quality: problem loans at 1.28% of loans (-162 bps YoY), with net recoveries of 8.55%.
  • Capital: tier 1 leverage ratio of 15.01%, up 259 bps from a year ago.
  • Funding: loans stand at 44.24% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

8.34%+567 bps YoY

Net Interest Margin (YTD, annualized)

4.09%-927 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Tier 1 Leverage Ratio

15.01%+259 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.67%1.70%1.25%19.63%8.34%+567 bps
Return on Equity26.05%16.03%11.60%141.04%59.15%+3,311 bps
Net Interest Margin13.35%13.32%12.77%6.50%4.09%-927 bps
Efficiency Ratio45.56%47.14%46.56%n/an/an/a
Non-Interest Burden6.05%6.29%5.98%12.65%8.30%+225 bps
Growth
Asset Growth (YoY)-18.37%-17.17%-13.37%-4.95%2.52%+2,089 bps
Loan Growth (YoY)-20.55%-23.96%-23.32%-65.07%-57.18%-3,663 bps
Deposit Growth (YoY)-20.82%-20.61%-15.87%-10.84%-3.17%+1,765 bps
Asset Quality
Nonperforming Loans / Loans2.90%3.39%3.85%1.08%1.28%-162 bps
Net Charge-Offs / Loans10.65%11.90%12.97%-20.86%-8.55%-1,920 bps
Allowance / Loans9.18%9.08%8.30%0.89%1.31%-787 bps
Allowance Coverage of NPLs3.2x2.7x2.2x0.8x1.0x-2.1x
Capital
Tier 1 Leverage Ratio12.42%12.58%13.00%17.29%15.01%+259 bps
Total Risk-Based Capital15.31%16.24%16.80%37.19%35.17%+1,987 bps
Equity / Assets11.38%11.66%11.78%15.98%14.42%+303 bps
Liquidity & Funding
Loans / Deposits100.06%94.59%91.19%39.36%44.24%-5,582 bps
Liquid Assets / Assets5.49%9.86%6.08%10.89%7.27%+177 bps
CRE / Total Capitaln/a9.21%17.03%24.98%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

Crescent Bank

Metairie, LA · Cert 33492 · Peer group: banks $1B-$10B in assets operating in a single state (n=258) · CB&T Holding Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$1.1BAssets
$389.4MLoans
$880.1MDeposits
$153.5MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 99% of banks $1B-$10B in assets operating in a single state (rank 2 of 258).
  • Widest gap: net charge-offs / loans trails 99% of banks $1B-$10B in assets operating in a single state (rank 256 of 258).
  • Overall: at or above the peer median on 6 of 8 directional measures.

Return on Assets

7.94%

Rank 2 of 258

Net Interest Margin

4.09%

Rank 38 of 258

Equity / Assets

14.42%

Rank 21 of 258

Non-interest income vs. expense

-$55.3M$30.6MINCOMEEXPENSE
Unfavorable gap of $85.9M
Bank 47.14%Peer median 62.7%Q3 2024Q3 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets7.94%0.93%1.23%1.54%Beats 99%2 / 258
Return on Equity55.06%9.26%11.84%14.74%Beats 99%2 / 258
Net Interest Margin4.09%3.16%3.49%3.88%Beats 85%38 / 258
Efficiency Ration/aNot reported for this institution
Asset Quality
Nonperforming Loans / Loans1.28%0.19%0.46%0.90%Beats 17%215 / 258
Net Charge-Offs / Loans5.46%0.01%0.02%0.07%Beats 1%256 / 258
Capital
Tier 1 Capital Ratio34.05%11.41%12.98%15.12%Beats 99%2 / 258
Total Risk-Based Capital Ratio35.17%12.10%13.91%16.08%Beats 99%2 / 258
Equity / Assets14.42%9.09%10.24%11.72%Beats 92%21 / 258
Liquidity & Funding
Loans / Deposits44.24%73.24%86.34%95.95%3rd pctl251 / 258
Loans / Assets36.56%63.01%72.27%78.40%3rd pctl251 / 258
Brokered Deposits / Depositsn/aNot reported for this institution