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Community First Bank

New Iberia, LA · Cert 35020 · Community First Bancshares 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=573 to 620). 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

46

Q2 2024Q2 2026peer median (50)

Asset Quality

29

Q2 2024Q2 2026peer median (50)

Profitability

79

Q2 2024Q2 2026peer median (50)

Liquidity

90

Q2 2024Q2 2026peer median

Efficiency

75

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

Community First Bank

New Iberia, LA · Cert 35020 · Community First Bancshares Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$781.6MAssets
$539.2MLoans
$706.8MDeposits
$71.4MEquity
Loan mix
83%RE $441.5M14%C&I $73.6M4%Consumer $18.7MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $536.8M24%Noninterest $170.0MQ2 2025Q2 2026

NIM

5.28%Q2 ’245.34%Q2 ’255.35%Q2 ’26+7%+3%

Non-interest income vs. expense

2.74%Q2 ’242.63%Q2 ’252.62%Q2 ’26-2%+1%

Market Position · Lafayette, LA · 2026 SOD (annual) · 1.6% share · #14 of 41 inst. · $0.2B of $12.2B

29.2% Iberia
1.5% Lafayette
6.9% St. Martin

Executive Summary

  • Earnings: ROA of 1.45%, up 1 bps year over year; NIM at 4.10%.
  • Asset quality: problem loans at 0.54% of loans (+30 bps YoY), with net charge-offs at 0.28%.
  • Capital: tier 1 leverage ratio of 9.74%, up 3 bps from a year ago.
  • Funding: loans stand at 76.28% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.45%+1 bps YoY

Net Interest Margin (YTD, annualized)

4.10%+12 bps YoY

Efficiency Ratio (YTD, annualized)

58.30%-132 bps YoY

Tier 1 Leverage Ratio

9.74%+3 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.44%1.44%1.45%1.46%1.45%+1 bps
Return on Equity16.67%16.36%16.34%16.33%16.12%-54 bps
Net Interest Margin3.98%4.04%4.00%4.09%4.10%+12 bps
Efficiency Ratio59.62%59.31%58.57%57.79%58.30%-132 bps
Non-Interest Burden2.20%2.22%2.17%2.20%2.23%+3 bps
Growth
Asset Growth (YoY)9.26%9.99%11.44%10.00%8.82%-44 bps
Loan Growth (YoY)-0.08%-0.07%2.35%1.09%2.67%+275 bps
Deposit Growth (YoY)8.68%9.93%10.93%9.69%8.48%-21 bps
Asset Quality
Nonperforming Loans / Loans0.24%0.25%0.33%0.34%0.54%+30 bps
Net Charge-Offs / Loans0.03%0.02%0.05%0.08%0.28%+25 bps
Allowance / Loans1.51%1.50%1.50%1.51%1.42%-9 bps
Allowance Coverage of NPLs6.3x5.9x4.5x4.5x2.6x-3.7x
Capital
Tier 1 Leverage Ratio9.71%10.01%9.90%9.65%9.74%+3 bps
Total Risk-Based Capital15.07%15.34%15.19%15.45%15.43%+37 bps
Equity / Assets8.84%9.26%9.21%8.73%9.14%+30 bps
Liquidity & Funding
Loans / Deposits80.60%81.84%80.19%74.35%76.28%-431 bps
Liquid Assets / Assets6.36%6.06%6.97%11.38%8.43%+207 bps
CRE / Total Capitaln/a368%365%358%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

Community First Bank

New Iberia, LA · Cert 35020 · Peer group: banks under $1B in assets (n=573-620) · Community First Bancshares Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$781.6MAssets
$539.2MLoans
$706.8MDeposits
$71.4MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 86% of banks under $1B in assets (rank 84 of 620).
  • Widest gap: net charge-offs / loans trails 90% of banks under $1B in assets (rank 514 of 573).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.44%

Rank 159 of 620

Net Interest Margin

4.10%

Rank 134 of 620

Efficiency Ratio

58.30%

Rank 154 of 620

Equity / Assets

9.14%

Rank 454 of 620

Non-interest income vs. expense

$3.1M$20.8MINCOMEEXPENSE
Unfavorable gap of $17.7M · efficiency ratio beats 75% of banks under $1B in assets
Bank 58.30%Peer median 68.1%Q1 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.44%0.60%1.00%1.45%Beats 74%159 / 620
Return on Equity15.71%5.30%9.30%13.29%Beats 86%84 / 620
Net Interest Margin4.10%3.02%3.53%4.04%Beats 78%134 / 620
Efficiency Ratio58.30%58.35%68.08%79.37%Beats 75%154 / 620
Asset Quality
Nonperforming Loans / Loans0.54%0.09%0.47%1.27%Beats 47%304 / 573
Net Charge-Offs / Loans0.14%n/a0.01%0.06%Beats 10%514 / 573
Capital
Tier 1 Capital Ratio14.18%11.27%13.87%18.78%Beats 53%293 / 620
Total Risk-Based Capital Ratio15.43%11.69%14.57%19.67%Beats 57%268 / 620
Equity / Assets9.14%9.03%10.60%13.73%Beats 27%454 / 620
Liquidity & Funding
Loans / Deposits76.28%65.08%79.69%92.47%44th pctl327 / 585
Loans / Assets68.98%51.85%67.17%77.86%54th pctl284 / 620
Brokered Deposits / Depositsn/aNot reported for this institution