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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