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Colfax Banking Company

Colfax, LA · Cert 8140 · Community Bancshares Co.

State charter, non-member · FDIC · 5 branches

Q2 2026

$152.3MAssets
$68.7MLoans
$138.1MDeposits
$13.7MEquity
Loan mix
91%RE $59.7M3%C&I $2.3M6%Consumer $3.9MQ3 2024Q2 2026
Deposit mix
72%Interest-bearing $99.3M28%Noninterest $38.8MQ3 2024Q2 2026

Market Position · Alexandria, LA · 2026 SOD (annual) · 4.0% share · #7 of 15 inst. · $0.1B of $3.4B

82.9% Grant
0.3% Rapides

Executive Summary

  • Earnings: ROA of 0.61%, down 29 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 0.04% of loans (-17 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.05%, up 20 bps from a year ago.
  • Funding: loans stand at 49.77% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

0.61%-29 bps YoY

Net Interest Margin (quarter, annualized)

3.40%-22 bps YoY

Efficiency Ratio (quarter, annualized)

79.47%+816 bps YoY

Tier 1 Leverage Ratio

11.05%+20 bps YoY

NIM

4.45%Q2 ’244.53%Q2 ’254.41%Q2 ’26+2%-6%

Non-interest income vs. expense

2.73%Q2 ’242.88%Q2 ’253.01%Q2 ’26+5%+7%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.80%0.68%0.77%0.90%0.94%0.63%0.70%0.61%-29 bps
Return on Equity10.22%8.50%9.81%11.39%11.27%7.32%8.01%6.90%-449 bps
Net Interest Margin3.55%3.49%3.50%3.62%3.73%3.56%3.48%3.40%-22 bps
Efficiency Ratio74.41%78.10%74.81%71.32%70.69%78.82%76.86%79.47%+816 bps
Non-Interest Burden2.52%2.62%2.53%2.46%2.53%2.73%2.59%2.62%+16 bps
Growth
Asset Growth (YoY)3.20%5.25%-1.20%3.52%6.30%2.98%-0.45%-0.12%-364 bps
Loan Growth (YoY)6.49%7.36%7.49%4.12%2.79%3.27%-1.16%0.59%-352 bps
Deposit Growth (YoY)1.67%4.74%-2.27%2.84%5.87%2.03%-1.51%-1.16%-400 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.21%0.20%0.22%0.19%0.04%0.05%0.04%-17 bps
Net Charge-Offs / Loans0.00%0.01%0.04%0.02%0.06%0.04%0.02%0.00%-2 bps
Allowance / Loans0.54%0.54%0.52%0.51%0.49%0.48%0.49%0.48%-3 bps
Allowance Coverage of NPLs8.8x2.5x2.6x2.4x2.6x12.7x10.9x11.7x+9.4x
Capital
Tier 1 Leverage Ratio11.10%11.17%10.61%10.85%11.05%11.13%10.88%11.05%+20 bps
Total Risk-Based Capital11.10%11.17%10.61%10.85%11.05%11.13%10.88%11.05%+20 bps
Equity / Assets8.18%7.86%7.79%8.05%8.55%8.72%8.78%8.98%+93 bps
Liquidity & Funding
Loans / Deposits50.53%48.03%48.16%48.90%49.06%48.61%48.33%49.77%+87 bps
Liquid Assets / Assets31.96%33.70%36.41%37.24%37.06%39.06%38.95%37.82%+58 bps
CRE / Total Capitaln/an/an/an/a110.11%104.02%103.60%n/an/a