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Bank, The

Jennings, LA · Cert 34409 · Bancshares Inc. the

State charter, non-member · FDIC · 8 branches

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

49

Q2 2024Q2 2026peer median (50)

Asset Quality

33

Q2 2024Q2 2026peer median (50)

Profitability

85

Q2 2024Q2 2026peer median (50)

Liquidity

80

Q2 2024Q2 2026peer median

Efficiency

84

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

Bank, The

Jennings, LA · Cert 34409 · Bancshares Inc. the

State charter, non-member · FDIC · 8 branches

Q2 2026

$462.0MAssets
$334.3MLoans
$396.3MDeposits
$58.3MEquity
Loan mix
72%RE $219.1M16%C&I $47.4M12%Consumer $36.6MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $294.8M26%Noninterest $101.5MQ2 2025Q2 2026

NIM

6.53%Q2 ’246.57%Q2 ’256.71%Q2 ’26+3%+7%

Non-interest income vs. expense

2.91%Q2 ’242.97%Q2 ’252.98%Q2 ’26+6%+2%

Market Position · Lake Charles, LA · 2026 SOD (annual) · 4.8% share · #8 of 20 inst. · $0.3B of $6.1B

34.5% Jefferson Davis
8.2% Acadia
1.2% Calcasieu

Executive Summary

  • Earnings: ROA of 1.75%, up 16 bps year over year; NIM at 4.97%.
  • Asset quality: problem loans at 0.48% of loans (-30 bps YoY), with net charge-offs at 0.15%.
  • Capital: tier 1 leverage ratio of 12.76%, up 52 bps from a year ago.
  • Funding: loans stand at 84.35% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.75%+16 bps YoY

Net Interest Margin (YTD, annualized)

4.97%+33 bps YoY

Efficiency Ratio (YTD, annualized)

53.62%-289 bps YoY

Tier 1 Leverage Ratio

12.76%+52 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.59%1.59%1.62%1.83%1.75%+16 bps
Return on Equity13.07%12.91%13.00%14.13%13.68%+61 bps
Net Interest Margin4.65%4.83%4.90%5.07%4.97%+33 bps
Efficiency Ratio56.50%56.17%57.46%55.80%53.62%-289 bps
Non-Interest Burden2.36%2.44%2.54%2.59%2.40%+4 bps
Growth
Asset Growth (YoY)4.69%3.85%2.03%2.80%5.64%+95 bps
Loan Growth (YoY)2.94%4.56%4.80%3.29%2.77%-17 bps
Deposit Growth (YoY)5.34%5.11%3.89%5.22%7.18%+183 bps
Asset Quality
Nonperforming Loans / Loans0.79%0.50%0.48%0.62%0.48%-30 bps
Net Charge-Offs / Loans0.34%0.40%0.39%0.10%0.15%-19 bps
Allowance / Loans1.63%1.62%1.59%1.59%1.78%+16 bps
Allowance Coverage of NPLs2.1x3.3x3.3x2.6x3.7x+1.6x
Capital
Tier 1 Leverage Ratio12.24%12.66%12.98%13.08%12.76%+52 bps
Total Risk-Based Capital12.24%12.66%12.98%13.08%12.76%+52 bps
Equity / Assets12.35%12.70%13.18%12.70%12.61%+26 bps
Liquidity & Funding
Loans / Deposits87.96%90.23%90.63%85.23%84.35%-362 bps
Liquid Assets / Assets7.14%5.63%4.78%8.72%7.39%+25 bps
CRE / Total Capitaln/a154.33%158.75%159.68%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

Bank, The

Jennings, LA · Cert 34409 · Peer group: banks under $1B in assets (n=570-617) · Bancshares Inc. the

State charter, non-member · FDIC · 8 branches

Q2 2026

$462.0MAssets
$334.3MLoans
$396.3MDeposits
$58.3MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 96% of banks under $1B in assets (rank 25 of 617).
  • Widest gap: net charge-offs / loans trails 83% of banks under $1B in assets (rank 476 of 570).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.70%

Rank 107 of 617

Net Interest Margin

4.97%

Rank 25 of 617

Efficiency Ratio

53.62%

Rank 102 of 617

Equity / Assets

12.61%

Rank 194 of 617

Non-interest income vs. expense

$2.7M$13.7MINCOMEEXPENSE
Unfavorable gap of $11.1M · efficiency ratio beats 84% of banks under $1B in assets
Bank 53.62%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.70%0.60%1.01%1.45%Beats 83%107 / 617
Return on Equity13.47%5.30%9.43%13.30%Beats 76%146 / 617
Net Interest Margin4.97%3.04%3.54%4.05%Beats 96%25 / 617
Efficiency Ratio53.62%58.03%67.76%79.08%Beats 84%102 / 617
Asset Quality
Nonperforming Loans / Loans0.48%0.09%0.47%1.27%Beats 49%290 / 570
Net Charge-Offs / Loans0.10%n/a0.01%0.06%Beats 17%476 / 570
Capital
Tier 1 Capital Ratio12.76%11.18%13.83%18.55%Beats 41%364 / 617
Total Risk-Based Capital Ratio12.76%11.56%14.39%19.39%Beats 37%391 / 617
Equity / Assets12.61%9.03%10.55%13.63%Beats 69%194 / 617
Liquidity & Funding
Loans / Deposits84.35%64.77%79.70%93.06%57th pctl251 / 582
Loans / Assets72.36%51.70%67.18%77.51%60th pctl246 / 617
Brokered Deposits / Depositsn/aNot reported for this institution