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B1bank

Baton Rouge, LA · Cert 58228 · Business First Bancshares Inc.

State charter, non-member · FDIC · 61 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets (n=313 to 319). 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

49

Q2 2024Q2 2026peer median (50)

Asset Quality

30

Q2 2024Q2 2026peer median (50)

Profitability

46

Q2 2024Q2 2026peer median (50)

Liquidity

74

Q2 2024Q2 2026peer median

Efficiency

44

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

B1bank

Baton Rouge, LA · Cert 58228 · Business First Bancshares Inc.

State charter, non-member · FDIC · 61 branches

Q2 2026

$8.9BAssets
$6.7BLoans
$7.3BDeposits
$1.1BEquity
Loan mix
76%RE $4.7B23%C&I $1.4B1%Consumer $0.1BQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $5.7B22%Noninterest $1.6BQ2 2025Q2 2026

NIM

5.77%Q2 ’245.80%Q2 ’255.55%Q2 ’26+8%+2%

Non-interest income vs. expense

2.45%Q2 ’242.51%Q2 ’252.54%Q2 ’26+1%+6%

Market Position · Baton Rouge, LA · 2026 SOD (annual) · 7.2% share · #4 of 40 inst. · $1.9B of $26.7B

7.2% East Baton Rouge
12.3% Ouachita
9.1% Calcasieu
14.7% Terrebonne

Executive Summary

  • Earnings: ROA of 1.23%, up 4 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 1.26% of loans (+29 bps YoY), with net charge-offs at 0.12%.
  • Capital: tier 1 leverage ratio of 10.91%, up 12 bps from a year ago.
  • Funding: loans stand at 91.62% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.23%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.56%+6 bps YoY

Efficiency Ratio (YTD, annualized)

60.37%+55 bps YoY

Tier 1 Leverage Ratio

10.91%+12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.19%1.22%1.23%1.23%1.23%+4 bps
Return on Equity10.43%10.58%10.56%10.46%10.30%-14 bps
Net Interest Margin3.50%3.51%3.51%3.50%3.56%+6 bps
Efficiency Ratio59.82%58.73%58.76%60.06%60.37%+55 bps
Non-Interest Burden1.81%1.78%1.79%1.86%1.91%+10 bps
Growth
Asset Growth (YoY)18.48%15.36%4.47%14.32%11.97%-651 bps
Loan Growth (YoY)17.14%15.35%3.48%11.77%10.15%-698 bps
Deposit Growth (YoY)15.29%15.34%2.87%15.44%13.02%-227 bps
Asset Quality
Nonperforming Loans / Loans0.97%0.82%1.24%1.53%1.26%+29 bps
Net Charge-Offs / Loans0.06%0.11%0.19%0.06%0.12%+6 bps
Allowance / Loans0.97%0.95%0.87%0.95%0.94%-3 bps
Allowance Coverage of NPLs1.0x1.2x0.7x0.6x0.7x-0.3x
Capital
Tier 1 Leverage Ratio10.79%11.01%11.01%10.62%10.91%+12 bps
Total Risk-Based Capital12.91%13.17%12.82%12.85%13.20%+29 bps
Equity / Assets11.57%12.03%11.81%11.78%12.20%+63 bps
Liquidity & Funding
Loans / Deposits94.01%92.40%92.18%89.48%91.62%-239 bps
Liquid Assets / Assets5.19%4.27%4.16%5.43%5.47%+29 bps
CRE / Total Capitaln/a377%390%391%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

B1bank

Baton Rouge, LA · Cert 58228 · Peer group: banks $1B-$10B in assets (n=313-319) · Business First Bancshares Inc.

State charter, non-member · FDIC · 61 branches

Q2 2026

$8.9BAssets
$6.7BLoans
$7.3BDeposits
$1.1BEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 77% of banks $1B-$10B in assets (rank 74 of 319).
  • Widest gap: nonperforming loans / loans trails 78% of banks $1B-$10B in assets (rank 244 of 313).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.20%

Rank 166 of 319

Net Interest Margin

3.56%

Rank 135 of 319

Efficiency Ratio

61.49%

Rank 180 of 319

Equity / Assets

12.20%

Rank 74 of 319

Non-interest income vs. expense

$55.9M$226.8MINCOMEEXPENSE
Unfavorable gap of $170.8M · efficiency ratio beats 44% of banks $1B-$10B in assets
Bank 61.49%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.20%0.91%1.21%1.53%Beats 48%166 / 319
Return on Equity9.82%8.49%11.44%14.57%Beats 33%213 / 319
Net Interest Margin3.56%3.06%3.43%3.81%Beats 58%135 / 319
Efficiency Ratio61.49%51.90%59.57%67.64%Beats 44%180 / 319
Asset Quality
Nonperforming Loans / Loans1.26%0.25%0.54%1.18%Beats 22%244 / 313
Net Charge-Offs / Loans0.06%0.01%0.04%0.12%Beats 37%197 / 313
Capital
Tier 1 Capital Ratio12.33%11.74%12.99%15.28%Beats 36%204 / 319
Total Risk-Based Capital Ratio13.20%12.61%14.01%16.23%Beats 35%208 / 319
Equity / Assets12.20%9.03%10.33%12.01%Beats 77%74 / 319
Liquidity & Funding
Loans / Deposits91.62%76.76%88.16%95.43%64th pctl114 / 314
Loans / Assets74.91%65.79%74.05%79.84%53rd pctl150 / 319
Brokered Deposits / Depositsn/aNot reported for this institution