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Concordia Bank & Trust Company

Vidalia, LA · Cert 8527 · Concordia Capital Corp.

State charter, non-member · FDIC · 8 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=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

27

Q2 2024Q2 2026peer median (50)

Asset Quality

24

Q2 2024Q2 2026peer median (50)

Profitability

40

Q2 2024Q2 2026peer median (50)

Liquidity

40

Q2 2024Q2 2026peer median

Efficiency

45

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

Concordia Bank & Trust Company

Vidalia, LA · Cert 8527 · Concordia Capital Corp.

State charter, non-member · FDIC · 8 branches

Q2 2026

$667.0MAssets
$360.4MLoans
$585.7MDeposits
$65.6MEquity
Loan mix
91%RE $324.5M5%C&I $19.0M4%Consumer $13.4MQ3 2024Q2 2026
Deposit mix
70%Interest-bearing $409.4M30%Noninterest $176.3MQ3 2024Q2 2026

Market Position · Baton Rouge, LA · 2026 SOD (annual) · 0.1% share · #36 of 40 inst. · $0.0B of $26.7B

56.4% Concordia
19.0% Adams
47.2% Wilkinson
0.1% East Baton Rouge

Executive Summary

  • Earnings: ROA of 0.89%, down 1 bps year over year; NIM at 3.22%.
  • Asset quality: problem loans at 2.54% of loans (+6 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.12%, down 7 bps from a year ago.
  • Funding: loans stand at 61.53% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.89%-1 bps YoY

Net Interest Margin (YTD, annualized)

3.22%+10 bps YoY

Efficiency Ratio (YTD, annualized)

69.61%-131 bps YoY

Tier 1 Leverage Ratio

11.12%-7 bps YoY

NIM

4.36%Q2 ’244.61%Q2 ’254.67%Q2 ’26+14%+3%

Non-interest income vs. expense

2.36%Q2 ’242.52%Q2 ’252.53%Q2 ’26+8%+1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.74%0.81%0.89%0.88%0.83%0.70%0.89%-1 bps
Return on Equity8.38%8.53%8.91%9.69%9.38%8.72%7.16%9.08%-61 bps
Net Interest Margin2.80%2.90%3.02%3.13%3.16%3.20%3.14%3.22%+10 bps
Efficiency Ratio72.91%72.82%71.76%70.93%71.61%72.59%71.08%69.61%-131 bps
Non-Interest Burden1.90%1.97%2.04%2.09%2.13%2.19%2.11%2.11%+2 bps
Growth
Asset Growth (YoY)-1.61%-6.53%-4.67%-4.04%-1.72%1.23%4.33%5.17%+921 bps
Loan Growth (YoY)3.16%-0.17%-2.34%-1.20%-5.23%-0.22%-1.33%-2.84%-164 bps
Deposit Growth (YoY)-1.72%-0.70%-0.81%0.52%1.10%0.71%4.69%5.34%+482 bps
Asset Quality
Nonperforming Loans / Loans2.91%2.24%3.08%2.49%2.42%2.13%2.17%2.54%+6 bps
Net Charge-Offs / Loans0.03%0.04%0.03%0.02%0.21%0.16%0.03%0.01%0 bps
Allowance / Loans1.09%1.13%1.13%1.15%1.05%1.06%1.07%1.09%-6 bps
Allowance Coverage of NPLs0.4x0.5x0.4x0.5x0.4x0.5x0.5x0.4x0.0x
Capital
Tier 1 Leverage Ratio10.68%10.89%10.96%11.18%11.38%11.40%11.01%11.12%-7 bps
Total Risk-Based Capital10.68%10.89%10.96%11.18%11.38%11.40%11.01%11.12%-7 bps
Equity / Assets9.38%8.97%9.27%9.41%9.92%9.93%9.56%9.84%+43 bps
Liquidity & Funding
Loans / Deposits67.66%65.29%65.17%66.70%63.43%64.69%61.42%61.53%-518 bps
Liquid Assets / Assets16.49%16.11%17.40%16.45%20.26%19.01%23.43%22.70%+625 bps
CRE / Total Capitaln/an/an/an/a301%322%315%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

Concordia Bank & Trust Company

Vidalia, LA · Cert 8527 · Peer group: banks under $1B in assets (n=581-629) · Concordia Capital Corp.

State charter, non-member · FDIC · 8 branches

Q2 2026

$667.0MAssets
$360.4MLoans
$585.7MDeposits
$65.6MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 47% of banks under $1B in assets (rank 336 of 629).
  • Widest gap: nonperforming loans / loans trails 91% of banks under $1B in assets (rank 528 of 581).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.88%

Rank 381 of 629

Net Interest Margin

3.22%

Rank 423 of 629

Efficiency Ratio

69.61%

Rank 345 of 629

Equity / Assets

9.84%

Rank 390 of 629

Non-interest income vs. expense

$2.9M$17.1MINCOMEEXPENSE
Unfavorable gap of $14.3M · efficiency ratio beats 45% of banks under $1B in assets
Bank 69.61%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.88%0.60%1.01%1.45%Beats 39%381 / 629
Return on Equity8.96%5.38%9.30%13.28%Beats 47%336 / 629
Net Interest Margin3.22%3.03%3.54%4.05%Beats 33%423 / 629
Efficiency Ratio69.61%58.35%67.79%79.08%Beats 45%345 / 629
Asset Quality
Nonperforming Loans / Loans2.54%0.09%0.46%1.20%Beats 9%528 / 581
Net Charge-Offs / Loans0.03%n/a0.01%0.06%Beats 38%362 / 581
Capital
Tier 1 Capital Ratio11.12%11.24%13.84%18.77%Beats 24%478 / 629
Total Risk-Based Capital Ratio11.12%11.58%14.43%19.66%Beats 20%504 / 629
Equity / Assets9.84%9.09%10.65%13.80%Beats 38%390 / 629
Liquidity & Funding
Loans / Deposits61.53%67.24%80.90%93.48%19th pctl480 / 594
Loans / Assets54.03%53.31%67.71%78.15%26th pctl466 / 629
Brokered Deposits / Depositsn/aNot reported for this institution