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Bank of Erath

Erath, LA · Cert 8532 · Bank of Erath Holding Co.

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

60

Q2 2024Q2 2026peer median (50)

Asset Quality

60

Q2 2024Q2 2026peer median (50)

Profitability

29

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

11

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 Erath

Erath, LA · Cert 8532 · Bank of Erath Holding Co.

State charter, non-member · FDIC · 3 branches

Q2 2026

$105.3MAssets
$43.5MLoans
$90.2MDeposits
$14.3MEquity
Loan mix
91%RE $36.3M5%C&I $1.9M4%Consumer $1.7MQ2 2025Q2 2026
Deposit mix
60%Interest-bearing $53.9M40%Noninterest $36.3MQ2 2025Q2 2026

NIM

4.73%Q2 ’244.97%Q2 ’254.78%Q2 ’26+9%-2%

Non-interest income vs. expense

3.34%Q2 ’243.70%Q2 ’253.86%Q2 ’26+12%+9%

Market Position · Lafayette, LA · 2026 SOD (annual) · 0.7% share · #22 of 41 inst. · $0.1B of $12.2B

Executive Summary

  • Earnings: ROA of 0.18%, down 37 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 1.42% of loans (-277 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 14.39%, up 6 bps from a year ago.
  • Funding: loans stand at 48.19% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.18%-37 bps YoY

Net Interest Margin (YTD, annualized)

3.85%-9 bps YoY

Efficiency Ratio (YTD, annualized)

92.59%+864 bps YoY

Tier 1 Leverage Ratio

14.39%+6 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.55%0.17%0.67%0.43%0.18%-37 bps
Return on Equity4.49%1.34%5.31%3.29%1.38%-310 bps
Net Interest Margin3.95%3.98%4.07%3.77%3.85%-9 bps
Efficiency Ratio83.95%93.34%81.50%87.34%92.59%+864 bps
Non-Interest Burden3.24%3.69%3.23%3.23%3.55%+31 bps
Growth
Asset Growth (YoY)-6.45%-2.49%-2.29%-0.59%-0.56%+589 bps
Loan Growth (YoY)-8.40%-6.00%-15.91%-21.85%-22.69%-1,429 bps
Deposit Growth (YoY)-5.03%-3.26%-3.90%-1.70%-1.24%+379 bps
Asset Quality
Nonperforming Loans / Loans4.19%2.71%0.39%0.22%1.42%-277 bps
Net Charge-Offs / Loans0.05%0.03%0.06%0.00%-0.01%-6 bps
Allowance / Loans1.26%1.27%1.48%1.62%1.60%+34 bps
Allowance Coverage of NPLs0.3x0.5x3.8x7.3x1.1x+0.8x
Capital
Tier 1 Leverage Ratio14.33%14.13%14.25%14.28%14.39%+6 bps
Total Risk-Based Capital14.33%14.13%14.25%14.28%14.39%+6 bps
Equity / Assets13.03%13.03%13.15%13.22%13.55%+51 bps
Liquidity & Funding
Loans / Deposits61.57%60.70%49.77%45.81%48.19%-1,337 bps
Liquid Assets / Assets15.09%14.95%24.15%25.27%21.45%+636 bps
CRE / Total Capitaln/a139.50%122.44%105.37%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 Erath

Erath, LA · Cert 8532 · Peer group: banks under $1B in assets (n=581-629) · Bank of Erath Holding Co.

State charter, non-member · FDIC · 3 branches

Q2 2026

$105.3MAssets
$43.5MLoans
$90.2MDeposits
$14.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: return on equity trails 90% of banks under $1B in assets (rank 565 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.19%

Rank 567 of 629

Net Interest Margin

3.85%

Rank 209 of 629

Efficiency Ratio

92.59%

Rank 563 of 629

Equity / Assets

13.55%

Rank 166 of 629

Non-interest income vs. expense

$0.3M$4.2MINCOMEEXPENSE
Unfavorable gap of $3.8M · efficiency ratio beats 11% of banks under $1B in assets
Bank 92.59%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.19%0.60%1.01%1.45%Beats 10%567 / 629
Return on Equity1.39%5.38%9.30%13.28%Beats 10%565 / 629
Net Interest Margin3.85%3.03%3.54%4.05%Beats 67%209 / 629
Efficiency Ratio92.59%58.35%67.79%79.08%Beats 11%563 / 629
Asset Quality
Nonperforming Loans / Loans1.42%0.09%0.46%1.20%Beats 20%466 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio14.39%11.24%13.84%18.77%Beats 55%285 / 629
Total Risk-Based Capital Ratio14.39%11.58%14.43%19.66%Beats 50%317 / 629
Equity / Assets13.55%9.09%10.65%13.80%Beats 74%166 / 629
Liquidity & Funding
Loans / Deposits48.19%67.24%80.90%93.48%10th pctl535 / 594
Loans / Assets41.29%53.31%67.71%78.15%15th pctl533 / 629
Brokered Deposits / Depositsn/aNot reported for this institution