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Bankplus

Belzoni, MS · Cert 5903 · Bancplus Corp.

State charter, Fed member · FED · 73 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets operating in a single state (n=257 to 258). 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

33

Q2 2024Q2 2026peer median (50)

Asset Quality

33

Q2 2024Q2 2026peer median (50)

Profitability

52

Q2 2024Q2 2026peer median (50)

Liquidity

95

Q2 2024Q2 2026peer median

Efficiency

41

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

Bankplus

Belzoni, MS · Cert 5903 · Bancplus Corp.

State charter, Fed member · FED · 73 branches

Q2 2026

$8.4BAssets
$6.4BLoans
$7.3BDeposits
$942.2MEquity
Loan mix
86%RE $5.3B12%C&I $0.8B2%Consumer $0.1BQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $6.0B18%Noninterest $1.3BQ2 2025Q2 2026

NIM

5.28%Q2 ’245.34%Q2 ’255.39%Q2 ’26+9%+7%

Non-interest income vs. expense

2.78%Q2 ’242.79%Q2 ’252.84%Q2 ’26-2%+5%

Market Position · Jackson, MS · 2026 SOD (annual) · 14.5% share · #2 of 30 inst. · $3.4B of $23.5B

19.3% Madison
12.3% Hinds
8.4% St. Tammany
12.8% Rankin

Executive Summary

  • Earnings: ROA of 1.27%, up 6 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 0.64% of loans (+25 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 10.84%, up 32 bps from a year ago.
  • Funding: loans stand at 87.28% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.27%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.60%+23 bps YoY

Efficiency Ratio (YTD, annualized)

61.94%-145 bps YoY

Tier 1 Leverage Ratio

10.84%+32 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.21%1.14%1.14%1.40%1.27%+6 bps
Return on Equity11.26%10.41%10.30%12.37%11.23%-3 bps
Net Interest Margin3.37%3.49%3.51%3.59%3.60%+23 bps
Efficiency Ratio63.39%62.85%63.80%59.88%61.94%-145 bps
Non-Interest Burden1.76%1.81%1.88%1.71%1.85%+9 bps
Growth
Asset Growth (YoY)1.02%-0.21%1.92%3.16%6.80%+578 bps
Loan Growth (YoY)-0.74%1.15%2.55%3.45%4.45%+520 bps
Deposit Growth (YoY)1.69%0.77%2.64%4.73%8.45%+677 bps
Asset Quality
Nonperforming Loans / Loans0.39%0.48%0.44%0.53%0.64%+25 bps
Net Charge-Offs / Loans0.05%0.06%0.09%0.02%0.05%0 bps
Allowance / Loans1.16%1.18%1.13%1.13%1.12%-4 bps
Allowance Coverage of NPLs3.0x2.5x2.5x2.1x1.8x-1.2x
Capital
Tier 1 Leverage Ratio10.52%10.84%10.91%10.77%10.84%+32 bps
Total Risk-Based Capital10.52%10.84%10.91%10.77%10.84%+32 bps
Equity / Assets11.21%11.40%11.42%11.27%11.25%+4 bps
Liquidity & Funding
Loans / Deposits90.63%90.79%89.91%87.30%87.28%-334 bps
Liquid Assets / Assets3.65%3.49%3.58%4.66%3.76%+11 bps
CRE / Total Capitaln/a382%378%370%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

Bankplus

Belzoni, MS · Cert 5903 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Bancplus Corp.

State charter, Fed member · FED · 73 branches

Q2 2026

$8.4BAssets
$6.4BLoans
$7.3BDeposits
$942.2MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 66% of banks $1B-$10B in assets operating in a single state (rank 89 of 258).
  • Widest gap: total risk-based capital ratio trails 85% of banks $1B-$10B in assets operating in a single state (rank 220 of 258).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.25%

Rank 125 of 258

Net Interest Margin

3.60%

Rank 106 of 258

Efficiency Ratio

62.32%

Rank 153 of 257

Equity / Assets

11.25%

Rank 89 of 258

Non-interest income vs. expense

$81.7M$234.8MINCOMEEXPENSE
Unfavorable gap of $153.1M · efficiency ratio beats 41% of banks $1B-$10B in assets operating in a single state
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.25%0.93%1.23%1.54%Beats 52%125 / 258
Return on Equity11.11%9.26%11.84%14.74%Beats 44%145 / 258
Net Interest Margin3.60%3.16%3.49%3.88%Beats 59%106 / 258
Efficiency Ratio62.32%51.71%60.30%69.65%Beats 41%153 / 257
Asset Quality
Nonperforming Loans / Loans0.64%0.19%0.46%0.90%Beats 32%177 / 258
Net Charge-Offs / Loans0.04%0.01%0.02%0.07%Beats 34%172 / 258
Capital
Tier 1 Capital Ratio10.84%11.41%12.98%15.12%Beats 18%211 / 258
Total Risk-Based Capital Ratio10.84%12.10%13.91%16.08%Beats 15%220 / 258
Equity / Assets11.25%9.09%10.24%11.72%Beats 66%89 / 258
Liquidity & Funding
Loans / Deposits87.28%73.24%86.34%95.95%54th pctl119 / 258
Loans / Assets76.57%63.01%72.27%78.40%67th pctl85 / 258
Brokered Deposits / Depositsn/aNot reported for this institution