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Currency Bank

Oak Grove, LA · Cert 35019 · Axxess Partners Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets operating in a single state (n=748 to 752). 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

58

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

79

Q2 2024Q2 2026peer median (50)

Liquidity

28

Q2 2024Q2 2026peer median

Efficiency

78

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 2026-10-10

Currency Bank

Oak Grove, LA · Cert 35019 · Axxess Partners Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$248.5MAssets
$191.8MLoans
$203.2MDeposits
$39.4MEquity
Loan mix
65%RE $113.2M34%C&I $60.0M1%Consumer $1.4MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $163.1M20%Noninterest $40.1MQ2 2025Q2 2026

NIM

5.95%Q2 ’245.08%Q2 ’255.95%Q2 ’26-14%+27%

Non-interest income vs. expense

2.16%Q2 ’242.38%Q2 ’252.86%Q2 ’26+10%-19%

Market Position · Baton Rouge, LA · 2026 SOD (annual) · 0.4% share · #28 of 40 inst. · $0.1B of $26.7B

0.5% East Baton Rouge
19.7% West Carroll
4.6% Vermilion

Executive Summary

  • Earnings: ROA of 1.95%, up 108 bps year over year; NIM at 4.34%.
  • Asset quality: problem loans at 0.14% of loans (-17 bps YoY), with net recoveries of 0.04%.
  • Capital: tier 1 leverage ratio of 13.38%, up 178 bps from a year ago.
  • Funding: loans stand at 94.40% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.95%+108 bps YoY

Net Interest Margin (YTD, annualized)

4.34%+93 bps YoY

Efficiency Ratio (YTD, annualized)

49.59%-1,409 bps YoY

Tier 1 Leverage Ratio

13.38%+178 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.88%0.96%1.02%1.26%1.95%+108 bps
Return on Equity5.51%6.17%6.53%8.16%12.56%+706 bps
Net Interest Margin3.42%3.49%3.64%4.23%4.34%+93 bps
Efficiency Ratio63.68%62.73%61.47%57.95%49.59%-1,409 bps
Non-Interest Burden2.19%2.22%2.27%2.47%1.77%-42 bps
Growth
Asset Growth (YoY)45.05%28.73%21.06%25.63%-4.83%-4,989 bps
Loan Growth (YoY)28.36%28.52%26.23%29.72%17.40%-1,097 bps
Deposit Growth (YoY)53.21%32.78%23.49%29.23%-9.43%-6,264 bps
Asset Quality
Nonperforming Loans / Loans0.31%0.82%0.12%0.19%0.14%-17 bps
Net Charge-Offs / Loans0.00%0.12%0.10%0.01%-0.04%-5 bps
Allowance / Loans1.66%1.50%1.68%1.55%1.49%-17 bps
Allowance Coverage of NPLs5.3x1.8x13.7x8.2x10.5x+5.2x
Capital
Tier 1 Leverage Ratio11.60%11.84%12.33%12.78%13.38%+178 bps
Total Risk-Based Capital11.60%11.84%12.33%12.78%13.38%+178 bps
Equity / Assets13.80%14.69%15.52%15.25%15.86%+207 bps
Liquidity & Funding
Loans / Deposits72.83%80.09%80.68%85.81%94.40%+2,158 bps
Liquid Assets / Assets12.87%6.89%14.91%10.18%4.69%-818 bps
CRE / Total Capitaln/a270%263%271%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 2026-10-10

Currency Bank

Oak Grove, LA · Cert 35019 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · Axxess Partners Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$248.5MAssets
$191.8MLoans
$203.2MDeposits
$39.4MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 92% of banks under $1B in assets operating in a single state (rank 57 of 752).
  • Widest gap: total risk-based capital ratio trails 59% of banks under $1B in assets operating in a single state (rank 440 of 752).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.93%

Rank 57 of 752

Net Interest Margin

4.34%

Rank 141 of 752

Efficiency Ratio

53.87%

Rank 166 of 752

Equity / Assets

15.86%

Rank 87 of 752

Non-interest income vs. expense

$2.7M$7.2MINCOMEEXPENSE
Unfavorable gap of $4.4M · efficiency ratio beats 78% of banks under $1B in assets operating in a single state
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.93%0.72%1.07%1.45%Beats 92%57 / 752
Return on Equity12.19%6.78%10.58%13.65%Beats 65%266 / 752
Net Interest Margin4.34%3.18%3.69%4.17%Beats 81%141 / 752
Efficiency Ratio53.87%55.75%64.49%75.47%Beats 78%166 / 752
Asset Quality
Nonperforming Loans / Loans0.14%0.09%0.42%1.03%Beats 71%220 / 748
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 69%237 / 748
Capital
Tier 1 Capital Ratio13.38%11.55%13.75%17.60%Beats 46%408 / 752
Total Risk-Based Capital Ratio13.38%11.70%14.33%18.47%Beats 41%440 / 752
Equity / Assets15.86%8.93%10.56%13.13%Beats 88%87 / 752
Liquidity & Funding
Loans / Deposits94.40%62.23%78.64%91.26%82nd pctl135 / 752
Loans / Assets77.18%54.61%67.41%76.47%77th pctl171 / 752
Brokered Deposits / Depositsn/aNot reported for this institution