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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

16.71%Q2 ’2416.79%Q2 ’255.22%Q2 ’26+4%-84%

Non-interest income vs. expense

5.57%Q2 ’245.17%Q2 ’252.37%Q2 ’26-6%-4%

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 -2.41%, down 575 bps year over year; NIM at 2.10%.
  • Asset quality: problem loans at 1.28% of loans (-162 bps YoY), with net charge-offs at 0.46%.
  • 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 (quarter, annualized)

-2.41%-575 bps YoY

Net Interest Margin (quarter, annualized)

2.10%-1,118 bps YoY

Efficiency Ratio (quarter, annualized)

n/a

Tier 1 Leverage Ratio

15.01%+259 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.33%-0.35%-0.17%19.63%-2.41%-575 bps
Return on Equity30.75%-3.04%-1.41%141.04%-15.91%-4,666 bps
Net Interest Margin13.28%12.35%10.97%6.50%2.10%-1,118 bps
Efficiency Ratio38.40%50.74%44.44%n/an/an/a
Non-Interest Burden5.07%6.35%4.88%12.65%4.84%-23 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 / Loans9.07%12.20%13.68%-20.86%0.46%-861 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