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Bank of Coushatta

Coushatta, LA · Cert 8531 · Coushatta Bancshares Inc.

State charter, non-member · FDIC · 3 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

41

Q2 2024Q2 2026peer median (50)

Asset Quality

11

Q2 2024Q2 2026peer median (50)

Profitability

16

Q2 2024Q2 2026peer median (50)

Liquidity

34

Q2 2024Q2 2026peer median

Efficiency

23

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 Coushatta

Coushatta, LA · Cert 8531 · Coushatta Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$317.1MAssets
$145.8MLoans
$244.7MDeposits
$26.0MEquity
Loan mix
92%RE $125.4M6%C&I $8.0M2%Consumer $2.4MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $188.7M23%Noninterest $56.0MQ2 2025Q2 2026

NIM

4.07%Q2 ’244.45%Q2 ’254.43%Q2 ’26+6%+3%

Non-interest income vs. expense

2.23%Q2 ’242.14%Q2 ’252.23%Q2 ’26-6%+0%

Market Position · Shreveport-Bossier City, LA · 2026 SOD (annual) · 0.3% share · #20 of 23 inst. · $0.0B of $9.6B

56.1% Red River
0.4% Caddo
0.3% Bossier

Executive Summary

  • Earnings: ROA of 0.39%, up 3 bps year over year; NIM at 2.52%.
  • Asset quality: problem loans at 6.52% of loans (+482 bps YoY), with net charge-offs at 0.15%.
  • Capital: tier 1 leverage ratio of 9.23%, down 14 bps from a year ago.
  • Funding: loans stand at 59.58% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.39%+3 bps YoY

Net Interest Margin (YTD, annualized)

2.52%+7 bps YoY

Efficiency Ratio (YTD, annualized)

79.98%-135 bps YoY

Tier 1 Leverage Ratio

9.23%-14 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.36%0.31%0.33%0.39%0.39%+3 bps
Return on Equity4.80%4.06%4.21%4.72%4.76%-4 bps
Net Interest Margin2.45%2.45%2.43%2.46%2.52%+7 bps
Efficiency Ratio81.33%83.80%83.24%80.27%79.98%-135 bps
Non-Interest Burden1.96%2.02%1.99%1.91%1.96%+1 bps
Growth
Asset Growth (YoY)4.90%3.79%6.37%3.85%3.62%-129 bps
Loan Growth (YoY)6.21%2.82%4.95%-0.99%2.15%-406 bps
Deposit Growth (YoY)7.66%6.59%5.42%3.13%3.52%-414 bps
Asset Quality
Nonperforming Loans / Loans1.71%5.96%1.07%7.08%6.52%+482 bps
Net Charge-Offs / Loans0.05%-0.03%-0.03%0.29%0.15%+9 bps
Allowance / Loans1.38%1.42%1.47%1.48%1.41%+3 bps
Allowance Coverage of NPLs0.8x0.2x1.4x0.2x0.2x-0.6x
Capital
Tier 1 Leverage Ratio9.37%9.59%9.55%9.03%9.23%-14 bps
Total Risk-Based Capital14.85%14.90%15.27%15.16%15.20%+35 bps
Equity / Assets7.86%8.44%8.33%8.09%8.21%+36 bps
Liquidity & Funding
Loans / Deposits60.38%61.31%56.77%54.00%59.58%-80 bps
Liquid Assets / Assets1.76%1.77%1.19%1.05%1.29%-47 bps
CRE / Total Capitaln/a273%257%246%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 Coushatta

Coushatta, LA · Cert 8531 · Peer group: banks under $1B in assets (n=581-629) · Coushatta Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$317.1MAssets
$145.8MLoans
$244.7MDeposits
$26.0MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 55% of banks under $1B in assets (rank 286 of 629).
  • Widest gap: nonperforming loans / loans trails 98% of banks under $1B in assets (rank 572 of 581).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.39%

Rank 526 of 629

Net Interest Margin

2.52%

Rank 565 of 629

Efficiency Ratio

79.98%

Rank 483 of 629

Equity / Assets

8.21%

Rank 544 of 629

Non-interest income vs. expense

$0.9M$7.2MINCOMEEXPENSE
Unfavorable gap of $6.4M · efficiency ratio beats 23% of banks under $1B in assets
Bank 79.98%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.39%0.60%1.01%1.45%Beats 16%526 / 629
Return on Equity4.80%5.38%9.30%13.28%Beats 22%491 / 629
Net Interest Margin2.52%3.03%3.54%4.05%Beats 10%565 / 629
Efficiency Ratio79.98%58.35%67.79%79.08%Beats 23%483 / 629
Asset Quality
Nonperforming Loans / Loans6.52%0.09%0.46%1.20%Beats 2%572 / 581
Net Charge-Offs / Loans0.10%n/a0.01%0.06%Beats 19%474 / 581
Capital
Tier 1 Capital Ratio14.22%11.24%13.84%18.77%Beats 53%294 / 629
Total Risk-Based Capital Ratio15.20%11.58%14.43%19.66%Beats 55%286 / 629
Equity / Assets8.21%9.09%10.65%13.80%Beats 14%544 / 629
Liquidity & Funding
Loans / Deposits59.58%67.24%80.90%93.48%17th pctl492 / 594
Loans / Assets45.97%53.31%67.71%78.15%17th pctl521 / 629
Brokered Deposits / Depositsn/aNot reported for this institution