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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

$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

3.27%Q2 ’243.43%Q2 ’253.45%Q2 ’26+9%+5%

Non-interest income vs. expense

2.28%Q2 ’242.61%Q2 ’252.88%Q2 ’26+17%+10%

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 0.29%, down 50 bps year over year; NIM at 2.99%.
  • Asset quality: problem loans at 3.42% of loans (+216 bps YoY), with net charge-offs at 0.38%.
  • 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 (quarter, annualized)

0.29%-50 bps YoY

Net Interest Margin (quarter, annualized)

2.99%+14 bps YoY

Efficiency Ratio (quarter, annualized)

88.39%+378 bps YoY

Tier 1 Leverage Ratio

11.20%-16 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.79%0.17%0.06%0.13%0.29%-50 bps
Return on Equity11.99%2.25%0.77%1.61%3.62%-837 bps
Net Interest Margin2.84%2.86%2.85%2.71%2.99%+14 bps
Efficiency Ratio84.62%93.13%97.53%94.56%88.39%+378 bps
Non-Interest Burden2.37%2.65%2.77%2.55%2.61%+24 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-2.69%-0.22%0.01%-0.06%0.38%+307 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