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St. Landry Bank and Trust Company

Opelousas, LA · Cert 8534 · St Landry Bancshares Inc.

State charter, non-member · FDIC · 7 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=573 to 620). 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

62

Q2 2024Q2 2026peer median (50)

Asset Quality

10

Q2 2024Q2 2026peer median (50)

Profitability

14

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 2026-10-10

St. Landry Bank and Trust Company

Opelousas, LA · Cert 8534 · St Landry Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$294.9MAssets
$82.9MLoans
$269.7MDeposits
$24.5MEquity
Loan mix
72%RE $58.1M14%C&I $11.1M14%Consumer $11.0MQ2 2025Q2 2026
Deposit mix
59%Interest-bearing $159.7M41%Noninterest $109.9MQ2 2025Q2 2026

NIM

3.21%Q2 ’243.32%Q2 ’253.35%Q2 ’26+5%+5%

Non-interest income vs. expense

2.38%Q2 ’242.69%Q2 ’252.87%Q2 ’26+17%+7%

Market Position · Lafayette, LA · 2026 SOD (annual) · 0.1% share · #39 of 41 inst. · $0.0B of $12.2B

14.2% St. Landry
0.2% Lafayette

Executive Summary

  • Earnings: ROA of 0.21%, down 37 bps year over year; NIM at 2.85%.
  • Asset quality: problem loans at 3.42% of loans (+216 bps YoY), with net charge-offs at 0.16%.
  • Capital: tier 1 leverage ratio of 11.20%, down 16 bps from a year ago.
  • Funding: loans stand at 30.73% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.21%-37 bps YoY

Net Interest Margin (YTD, annualized)

2.85%+13 bps YoY

Efficiency Ratio (YTD, annualized)

91.36%+131 bps YoY

Tier 1 Leverage Ratio

11.20%-16 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.58%0.44%0.35%0.13%0.21%-37 bps
Return on Equity8.98%6.55%4.97%1.61%2.61%-637 bps
Net Interest Margin2.72%2.78%2.77%2.71%2.85%+13 bps
Efficiency Ratio90.05%91.09%92.74%94.56%91.36%+131 bps
Non-Interest Burden2.42%2.51%2.55%2.55%2.58%+16 bps
Growth
Asset Growth (YoY)-0.73%-1.25%1.90%-0.22%-0.09%+64 bps
Loan Growth (YoY)18.35%19.98%12.49%12.99%5.85%-1,250 bps
Deposit Growth (YoY)0.29%0.01%-0.07%-2.06%-1.59%-188 bps
Asset Quality
Nonperforming Loans / Loans1.25%1.13%3.44%3.39%3.42%+216 bps
Net Charge-Offs / Loans-1.38%-0.96%-0.74%-0.06%0.16%+154 bps
Allowance / Loans2.76%2.70%2.79%2.73%2.58%-18 bps
Allowance Coverage of NPLs2.2x2.4x0.8x0.8x0.8x-1.4x
Capital
Tier 1 Leverage Ratio11.36%11.52%11.36%11.07%11.20%-16 bps
Total Risk-Based Capital28.47%27.64%28.35%27.33%27.91%-56 bps
Equity / Assets6.96%7.73%7.85%7.92%8.30%+133 bps
Liquidity & Funding
Loans / Deposits28.57%30.84%28.78%29.85%30.73%+216 bps
Liquid Assets / Assets58.97%59.34%61.65%58.64%54.77%-421 bps
CRE / Total Capitaln/a143.95%133.10%141.57%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 2026-10-10

St. Landry Bank and Trust Company

Opelousas, LA · Cert 8534 · Peer group: banks under $1B in assets (n=573-620) · St Landry Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$294.9MAssets
$82.9MLoans
$269.7MDeposits
$24.5MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 85% of banks under $1B in assets (rank 92 of 620).
  • Widest gap: nonperforming loans / loans trails 94% of banks under $1B in assets (rank 541 of 573).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.21%

Rank 553 of 620

Net Interest Margin

2.85%

Rank 506 of 620

Efficiency Ratio

91.36%

Rank 551 of 620

Equity / Assets

8.30%

Rank 528 of 620

Non-interest income vs. expense

$0.8M$8.4MINCOMEEXPENSE
Unfavorable gap of $7.5M · efficiency ratio beats 11% of banks under $1B in assets
Bank 91.36%Peer median 68.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.21%0.60%1.00%1.45%Beats 11%553 / 620
Return on Equity2.54%5.30%9.30%13.29%Beats 14%533 / 620
Net Interest Margin2.85%3.02%3.53%4.04%Beats 18%506 / 620
Efficiency Ratio91.36%58.35%68.08%79.37%Beats 11%551 / 620
Asset Quality
Nonperforming Loans / Loans3.42%0.09%0.47%1.27%Beats 6%541 / 573
Net Charge-Offs / Loans0.13%n/a0.01%0.06%Beats 13%502 / 573
Capital
Tier 1 Capital Ratio26.65%11.27%13.87%18.78%Beats 85%92 / 620
Total Risk-Based Capital Ratio27.91%11.69%14.57%19.67%Beats 85%91 / 620
Equity / Assets8.30%9.03%10.60%13.73%Beats 15%528 / 620
Liquidity & Funding
Loans / Deposits30.73%65.08%79.69%92.47%4th pctl560 / 585
Loans / Assets28.10%51.85%67.17%77.86%11th pctl554 / 620
Brokered Deposits / Depositsn/aNot reported for this institution