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Commercial Capital Bank

Delhi, LA · Cert 34784 · Capital Bcorp Inc.

State charter, non-member · FDIC · 9 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=581 to 629). 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

34

Q2 2024Q2 2026peer median (50)

Asset Quality

7

Q2 2024Q2 2026peer median (50)

Profitability

78

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

90

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

Commercial Capital Bank

Delhi, LA · Cert 34784 · Capital Bcorp Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$611.4MAssets
$490.7MLoans
$453.3MDeposits
$65.1MEquity
Loan mix
86%RE $332.8M10%C&I $40.3M4%Consumer $14.3MQ2 2025Q2 2026
Deposit mix
89%Interest-bearing $401.4M11%Noninterest $51.9MQ2 2025Q2 2026

NIM

7.41%Q2 ’247.10%Q2 ’256.80%Q2 ’26-11%-6%

Non-interest income vs. expense

3.16%Q2 ’242.36%Q2 ’252.29%Q2 ’26-26%0%

Market Position · Monroe, LA · 2026 SOD (annual) · 4.8% share · #6 of 20 inst. · $0.3B of $6.2B

25.6% Richland
24.8% Ashley
18.1% West Carroll
1.0% Ouachita

Executive Summary

  • Earnings: ROA of 1.50%, down 40 bps year over year; NIM at 4.28%.
  • Asset quality: problem loans at 5.66% of loans (+291 bps YoY), with net charge-offs at 0.26%.
  • Capital: tier 1 leverage ratio of 11.45%, down 19 bps from a year ago.
  • Funding: loans stand at 108.25% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.50%-40 bps YoY

Net Interest Margin (YTD, annualized)

4.28%-26 bps YoY

Efficiency Ratio (YTD, annualized)

49.16%+187 bps YoY

Tier 1 Leverage Ratio

11.45%-19 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.90%1.54%1.50%1.56%1.50%-40 bps
Return on Equity17.95%14.62%14.09%14.07%13.70%-424 bps
Net Interest Margin4.53%4.09%4.25%4.35%4.28%-26 bps
Efficiency Ratio47.29%50.56%50.93%49.16%49.16%+187 bps
Non-Interest Burden1.89%1.85%1.94%1.93%1.88%-1 bps
Growth
Asset Growth (YoY)54.19%55.18%47.12%29.93%24.48%-2,971 bps
Loan Growth (YoY)43.34%47.69%50.25%37.82%29.82%-1,352 bps
Deposit Growth (YoY)43.23%42.46%41.61%28.58%13.32%-2,991 bps
Asset Quality
Nonperforming Loans / Loans2.75%2.50%2.47%3.98%5.66%+291 bps
Net Charge-Offs / Loans0.00%0.00%0.02%0.44%0.26%+26 bps
Allowance / Loans0.89%1.04%1.11%1.05%1.02%+13 bps
Allowance Coverage of NPLs0.3x0.4x0.5x0.3x0.2x-0.1x
Capital
Tier 1 Leverage Ratio11.64%10.63%12.16%11.56%11.45%-19 bps
Total Risk-Based Capital11.64%10.63%12.16%11.56%11.45%-19 bps
Equity / Assets11.20%10.52%10.97%11.20%10.64%-55 bps
Liquidity & Funding
Loans / Deposits94.49%96.93%96.78%98.99%108.25%+1,375 bps
Liquid Assets / Assets15.73%15.46%17.06%15.15%12.50%-324 bps
CRE / Total Capitaln/a310%320%322%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

Commercial Capital Bank

Delhi, LA · Cert 34784 · Peer group: banks under $1B in assets (n=581-629) · Capital Bcorp Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$611.4MAssets
$490.7MLoans
$453.3MDeposits
$65.1MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 90% of banks under $1B in assets (rank 66 of 629).
  • Widest gap: nonperforming loans / loans trails 98% of banks under $1B in assets (rank 568 of 581).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.42%

Rank 166 of 629

Net Interest Margin

4.28%

Rank 100 of 629

Efficiency Ratio

49.16%

Rank 66 of 629

Equity / Assets

10.64%

Rank 316 of 629

Non-interest income vs. expense

$2.3M$12.6MINCOMEEXPENSE
Unfavorable gap of $10.3M · efficiency ratio beats 90% of banks under $1B in assets
Bank 49.16%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.42%0.60%1.01%1.45%Beats 74%166 / 629
Return on Equity13.33%5.38%9.30%13.28%Beats 75%155 / 629
Net Interest Margin4.28%3.03%3.54%4.05%Beats 84%100 / 629
Efficiency Ratio49.16%58.35%67.79%79.08%Beats 90%66 / 629
Asset Quality
Nonperforming Loans / Loans5.66%0.09%0.46%1.20%Beats 2%568 / 581
Net Charge-Offs / Loans0.14%n/a0.01%0.06%Beats 12%516 / 581
Capital
Tier 1 Capital Ratio11.45%11.24%13.84%18.77%Beats 28%456 / 629
Total Risk-Based Capital Ratio11.45%11.58%14.43%19.66%Beats 24%481 / 629
Equity / Assets10.64%9.09%10.65%13.80%Beats 50%316 / 629
Liquidity & Funding
Loans / Deposits108.25%67.24%80.90%93.48%94th pctl37 / 594
Loans / Assets80.26%53.31%67.71%78.15%82nd pctl116 / 629
Brokered Deposits / Depositsn/aNot reported for this institution