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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=743 to 746). 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

59

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

80

Q2 2024Q2 2026peer median (50)

Liquidity

26

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 2026-10-11

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 $1.4MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $163.1M20%Noninterest $40.1MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.10%1.08%0.99%0.88%0.96%1.02%1.26%1.95%+108 bps
Return on Equity6.29%6.21%5.71%5.51%6.17%6.53%8.16%12.56%+706 bps
Net Interest Margin3.92%3.75%3.70%3.42%3.49%3.64%4.23%4.34%+93 bps
Efficiency Ratio49.74%51.17%61.66%63.68%62.73%61.47%57.95%49.59%-1,409 bps
Non-Interest Burden1.91%1.88%2.24%2.19%2.22%2.27%2.47%1.77%-42 bps
Growth
Asset Growth (YoY)10.98%7.45%6.01%45.05%28.73%21.06%25.63%-4.83%-4,989 bps
Loan Growth (YoY)10.09%4.69%13.79%28.36%28.52%26.23%29.72%17.40%-1,097 bps
Deposit Growth (YoY)11.94%7.94%6.22%53.21%32.78%23.49%29.23%-9.43%-6,264 bps
Asset Quality
Nonperforming Loans / Loans0.14%0.16%0.15%0.31%0.82%0.12%0.19%0.14%-17 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.12%0.10%0.01%-0.04%-5 bps
Allowance / Loans1.83%1.94%1.90%1.66%1.50%1.68%1.55%1.49%-17 bps
Allowance Coverage of NPLs12.7x12.4x13.0x5.3x1.8x13.7x8.2x10.5x+5.2x
Capital
Tier 1 Leverage Ratio16.03%15.62%15.88%11.60%11.84%12.33%12.78%13.38%+178 bps
Total Risk-Based Capital22.55%23.46%21.40%11.60%11.84%12.33%12.78%13.38%+178 bps
Equity / Assets17.26%17.06%17.56%13.80%14.69%15.52%15.25%15.86%+207 bps
Liquidity & Funding
Loans / Deposits82.75%78.93%85.49%72.83%80.09%80.68%85.81%94.40%+2,158 bps
Liquid Assets / Assets17.47%17.06%11.71%12.87%6.89%14.91%10.18%4.69%-818 bps
CRE / Total Capitaln/an/an/an/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 2026-10-11

Currency Bank

Oak Grove, LA · Cert 35019 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · 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 93% of banks under $1B in assets operating in a single state (rank 52 of 746).
  • Widest gap: total risk-based capital ratio trails 58% of banks under $1B in assets operating in a single state (rank 436 of 746).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.93%

Rank 52 of 746

Net Interest Margin

4.34%

Rank 134 of 746

Efficiency Ratio

53.87%

Rank 164 of 746

Equity / Assets

15.86%

Rank 81 of 746

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 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.93%0.72%1.06%1.45%Beats 93%52 / 746n/a
Return on Equity12.19%6.74%10.51%13.63%Beats 65%262 / 746n/a
Net Interest Margin4.34%3.17%3.68%4.16%Beats 82%134 / 746n/a
Efficiency Ratio53.87%55.74%64.58%75.47%Beats 78%164 / 746n/a
Asset Quality
Nonperforming Loans / Loans0.14%0.09%0.42%1.07%Beats 71%218 / 743n/a
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 69%236 / 743n/a
Capital
Tier 1 Capital Ratio13.38%11.55%13.75%17.60%Beats 46%405 / 746n/a
Total Risk-Based Capital Ratio13.38%11.71%14.33%18.43%Beats 42%436 / 746n/a
Equity / Assets15.86%8.90%10.51%13.06%Beats 89%81 / 746n/a
Liquidity & Funding
Loans / Deposits94.40%61.31%78.27%90.78%83rd pctl127 / 746n/a
Loans / Assets77.18%53.60%66.97%76.08%79th pctl160 / 746n/a
Brokered Deposits / Depositsn/aNot reported for this institution