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Bank of Gueydan

Gueydan, LA · Cert 8144 · Gueydan Bancshares Inc.

State charter, Fed member · FED · 1 branch

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=581 to 629). 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

83

Q2 2024Q2 2026peer median (50)

Asset Quality

2

Q2 2024Q2 2026peer median (50)

Profitability

27

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

65

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

Bank of Gueydan

Gueydan, LA · Cert 8144 · Gueydan Bancshares Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$69.2MAssets
$22.5MLoans
$53.1MDeposits
$15.5MEquity
Loan mix
42%RE $8.0M30%C&I $5.8M27%Consumer $5.1MQ2 2025Q2 2026
Deposit mix
67%Interest-bearing $35.8M33%Noninterest $17.3MQ2 2025Q2 2026

NIM

3.26%Q2 ’243.69%Q2 ’253.81%Q2 ’26+15%+6%

Non-interest income vs. expense

1.90%Q2 ’242.53%Q2 ’252.18%Q2 ’26+39%-16%

Market Position · Lafayette, LA · 2026 SOD (annual) · 0.4% share · #24 of 41 inst. · $0.1B of $12.2B

Executive Summary

  • Earnings: ROA of 0.72%, down 4 bps year over year; NIM at 3.23%.
  • Asset quality: problem loans at 6.77% of loans (-87 bps YoY), with net charge-offs at 1.34%.
  • Capital: tier 1 leverage ratio of 22.11%, up 81 bps from a year ago.
  • Funding: loans stand at 42.39% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.72%-4 bps YoY

Net Interest Margin (YTD, annualized)

3.23%+18 bps YoY

Efficiency Ratio (YTD, annualized)

62.55%-1,440 bps YoY

Tier 1 Leverage Ratio

22.11%+81 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.93%0.94%0.75%0.72%-4 bps
Return on Equity3.60%4.36%4.32%3.36%3.25%-35 bps
Net Interest Margin3.05%3.09%3.12%3.17%3.23%+18 bps
Efficiency Ratio76.95%71.93%57.16%62.75%62.55%-1,440 bps
Non-Interest Burden2.29%2.16%1.69%1.87%1.93%-37 bps
Growth
Asset Growth (YoY)-1.11%-3.06%-2.49%-1.68%-4.79%-367 bps
Loan Growth (YoY)-1.31%-1.56%-7.80%-17.79%-11.19%-988 bps
Deposit Growth (YoY)-0.63%-2.76%-3.91%-2.17%-5.99%-537 bps
Asset Quality
Nonperforming Loans / Loans7.64%6.36%6.88%8.15%6.77%-87 bps
Net Charge-Offs / Loans0.45%2.71%2.87%0.09%1.34%+89 bps
Allowance / Loans5.51%3.58%3.66%4.54%3.99%-152 bps
Allowance Coverage of NPLs0.7x0.6x0.5x0.6x0.6x-0.1x
Capital
Tier 1 Leverage Ratio21.30%21.80%22.14%21.93%22.11%+81 bps
Total Risk-Based Capital21.30%21.80%22.14%21.93%22.11%+81 bps
Equity / Assets21.22%22.04%22.84%21.67%22.40%+117 bps
Liquidity & Funding
Loans / Deposits44.87%47.30%46.39%38.84%42.39%-248 bps
Liquid Assets / Assets55.41%54.35%56.66%54.23%60.93%+551 bps
CRE / Total Capitaln/a13.52%13.39%13.30%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

Bank of Gueydan

Gueydan, LA · Cert 8144 · Peer group: banks under $1B in assets (n=581-629) · Gueydan Bancshares Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$69.2MAssets
$22.5MLoans
$53.1MDeposits
$15.5MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 89% of banks under $1B in assets (rank 70 of 629).
  • Widest gap: nonperforming loans / loans trails 99% of banks under $1B in assets (rank 575 of 581).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.73%

Rank 436 of 629

Net Interest Margin

3.23%

Rank 415 of 629

Efficiency Ratio

62.55%

Rank 221 of 629

Equity / Assets

22.40%

Rank 70 of 629

Non-interest income vs. expense

$0.2M$1.5MINCOMEEXPENSE
Unfavorable gap of $1.4M · efficiency ratio beats 65% of banks under $1B in assets
Bank 62.55%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.73%0.60%1.01%1.45%Beats 31%436 / 629
Return on Equity3.26%5.38%9.30%13.28%Beats 16%529 / 629
Net Interest Margin3.23%3.03%3.54%4.05%Beats 34%415 / 629
Efficiency Ratio62.55%58.35%67.79%79.08%Beats 65%221 / 629
Asset Quality
Nonperforming Loans / Loans6.77%0.09%0.46%1.20%Beats 1%575 / 581
Net Charge-Offs / Loans0.75%n/a0.01%0.06%Beats 2%570 / 581
Capital
Tier 1 Capital Ratio22.11%11.24%13.84%18.77%Beats 81%120 / 629
Total Risk-Based Capital Ratio22.11%11.58%14.43%19.66%Beats 80%127 / 629
Equity / Assets22.40%9.09%10.65%13.80%Beats 89%70 / 629
Liquidity & Funding
Loans / Deposits42.39%67.24%80.90%93.48%7th pctl551 / 594
Loans / Assets32.55%53.31%67.71%78.15%12th pctl555 / 629
Brokered Deposits / Depositsn/aNot reported for this institution