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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

$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