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Bank of Lafayette, The

La Fayette, GA · Cert 9245 · Lafayette Bankshares 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

3

Q2 2024Q2 2026peer median (50)

Asset Quality

38

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

78

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 Lafayette, The

La Fayette, GA · Cert 9245 · Lafayette Bankshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$446.8MAssets
$176.8MLoans
$396.2MDeposits
$18.1MEquity
Loan mix
80%RE $140.1M6%C&I $11.0M13%Consumer $23.5MQ3 2024Q2 2026
Deposit mix
86%Interest-bearing $341.4M14%Noninterest $54.8MQ3 2024Q2 2026

Return on Assets (YTD, annualized)

0.93%-8 bps YoY

Net Interest Margin (YTD, annualized)

2.32%-19 bps YoY

Efficiency Ratio (YTD, annualized)

56.83%+85 bps YoY

Tier 1 Leverage Ratio

9.35%-35 bps YoY

NIM

3.75%Q2 ’243.96%Q2 ’254.11%Q2 ’26+19%-8%

Non-interest income vs. expense

1.43%Q2 ’241.56%Q2 ’251.47%Q2 ’26+10%-6%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets0.82%0.74%0.98%1.02%1.05%0.84%0.92%0.93%-8 bps
Net Interest Margin2.23%2.25%2.40%2.51%2.57%2.54%2.27%2.32%-19 bps
Non-Interest Burden1.22%1.32%1.27%1.29%1.30%1.31%1.16%1.20%-8 bps
Loan Growth (YoY)10.68%6.52%4.55%4.21%3.07%6.62%6.37%7.38%+317 bps
Nonperforming Loans / Loans0.96%0.82%0.84%0.90%0.91%0.85%1.19%1.44%+54 bps
Allowance / Loans0.57%0.62%0.60%0.59%0.58%0.59%0.61%0.60%+1 bps
Tier 1 Leverage Ratio9.37%9.56%9.36%9.70%10.00%9.57%9.20%9.35%-35 bps
Equity / Assets3.16%1.58%2.42%3.04%4.29%4.01%3.81%4.06%+101 bps
Liquid Assets / Assets1.92%1.82%3.24%2.86%2.24%5.66%3.49%2.48%-38 bps

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 Lafayette, The

La Fayette, GA · Cert 9245 · Peer group: banks under $1B in assets (n=581-629) · Lafayette Bankshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$446.8MAssets
$176.8MLoans
$396.2MDeposits
$18.1MEquity

Return on Assets

0.94%

Rank 351 of 629

Net Interest Margin

2.32%

Rank 584 of 629

Efficiency Ratio

56.83%

Rank 141 of 629

Equity / Assets

4.06%

Rank 627 of 629

Non-interest income vs. expense

$1.3M$7.2MINCOMEEXPENSE
Unfavorable gap of $5.9M · efficiency ratio beats 78% of banks under $1B in assets
Bank 56.83%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Return on Assets0.94%0.60%1.01%1.45%Beats 44%351 / 629
Net Interest Margin2.32%3.03%3.54%4.05%Beats 7%584 / 629
Nonperforming Loans / Loans1.44%0.09%0.46%1.20%Beats 19%469 / 581
Tier 1 Capital Ratio9.35%11.24%13.84%18.77%Beats 4%602 / 629
Equity / Assets4.06%9.09%10.65%13.80%Beats 0%627 / 629
Loans / Assets39.57%53.31%67.71%78.15%14th pctl538 / 629