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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

6.62%Q2 ’246.72%Q2 ’256.87%Q2 ’26+4%+7%

Non-interest income vs. expense

2.85%Q2 ’242.99%Q2 ’252.95%Q2 ’26+10%-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 1.67%, up 1 bps year over year; NIM at 5.09%.
  • Asset quality: problem loans at 0.48% of loans (-30 bps YoY), with net charge-offs at 0.20%.
  • 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 (quarter, annualized)

1.67%+1 bps YoY

Net Interest Margin (quarter, annualized)

5.09%+31 bps YoY

Efficiency Ratio (quarter, annualized)

51.57%-383 bps YoY

Tier 1 Leverage Ratio

12.76%+52 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.67%1.58%1.71%1.83%1.67%+1 bps
Return on Equity13.72%12.61%13.25%14.13%13.23%-49 bps
Net Interest Margin4.78%5.04%5.05%5.07%5.09%+31 bps
Efficiency Ratio55.40%55.54%61.16%55.80%51.57%-383 bps
Non-Interest Burden2.37%2.52%2.82%2.59%2.32%-5 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 / Loans0.44%0.54%0.33%0.10%0.20%-24 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