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Cross Keys Bank

Saint Joseph, LA · Cert 9322

FDIC · 9 branches

Q4 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in LA3

Basis

Quarter: Q4 2025, the quarter ended December 31, 2025, 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 in LA (n=51). 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

71

Q2 2024Q4 2025peer median (50)

Asset Quality

41

Q2 2024Q4 2025peer median (50)

Profitability

34

Q2 2024Q4 2025peer median (50)

Liquidity

90

Q2 2024Q4 2025peer median

Efficiency

45

Q2 2024Q4 2025peer 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

Cross Keys Bank

Saint Joseph, LA · Cert 9322

FDIC · 9 branches

Q4 2025

$627.0MAssets
$422.3MLoans
$509.3MDeposits
$74.9MEquity
Loan mix
90%RE $355.7M9%C&I $37.1M1%Consumer $3.3MQ4 2024Q4 2025
Deposit mix
81%Interest-bearing $410.9M19%Noninterest $98.4MQ4 2024Q4 2025

NIM

4.61%Q4 ’235.33%Q4 ’245.41%Q4 ’25+5%+9%

Non-interest income vs. expense

2.60%Q4 ’232.68%Q4 ’242.88%Q4 ’25+28%+11%

Market Position · Monroe, LA · 2025 SOD (annual) · 4.4% share · #9 of 21 inst. · $0.3B of $5.8B

4.6% Ouachita
60.0% Tensas
1.1% Caddo
7.2% Richland

Executive Summary

  • Earnings: ROA of 0.82%, down 6 bps year over year; NIM at 3.27%.
  • Asset quality: problem loans at 0.72% of loans (-33 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 13.49%, up 28 bps from a year ago.
  • Funding: loans stand at 82.90% of deposits as of Q4 2025.

Financial Results

Return on Assets (YTD, annualized)

0.82%-6 bps YoY

Net Interest Margin (YTD, annualized)

3.27%+26 bps YoY

Efficiency Ratio (YTD, annualized)

72.60%+67 bps YoY

Tier 1 Leverage Ratio

13.49%+28 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets0.88%0.73%0.68%0.80%0.82%-6 bps
Return on Equity8.50%6.69%6.29%7.24%7.30%-120 bps
Net Interest Margin3.01%3.19%3.16%3.19%3.27%+26 bps
Efficiency Ratio71.93%71.71%73.91%71.67%72.60%+67 bps
Non-Interest Burden1.96%2.12%2.18%2.11%2.18%+21 bps
Growth
Asset Growth (YoY)3.16%6.60%6.20%4.93%4.84%+168 bps
Loan Growth (YoY)11.98%13.91%16.15%13.48%12.61%+63 bps
Deposit Growth (YoY)5.63%7.30%1.90%1.15%0.00%-563 bps
Asset Quality
Nonperforming Loans / Loans1.04%1.03%0.93%0.90%0.72%-33 bps
Net Charge-Offs / Loans-0.09%0.01%0.01%0.01%0.01%+10 bps
Allowance / Loans0.76%0.76%0.75%0.75%0.75%-1 bps
Allowance Coverage of NPLs0.7x0.7x0.8x0.8x1.0x+0.3x
Capital
Tier 1 Leverage Ratio13.21%12.88%12.93%13.16%13.49%+28 bps
Total Risk-Based Capital16.95%16.26%16.06%16.66%16.91%-4 bps
Equity / Assets10.80%10.93%10.85%11.53%11.94%+114 bps
Liquidity & Funding
Loans / Deposits73.61%79.50%84.22%83.40%82.90%+929 bps
Liquid Assets / Assets14.57%12.50%11.22%11.63%10.89%-367 bps
CRE / Total Capitaln/an/an/a266%269%n/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

Cross Keys Bank

Saint Joseph, LA · Cert 9322 · Peer group: banks under $1B in assets in LA (n=51)

FDIC · 9 branches

Q4 2025

$627.0MAssets
$422.3MLoans
$509.3MDeposits
$74.9MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 75% of banks under $1B in assets in LA (rank 13 of 51).
  • Widest gap: brokered deposits / deposits trails 86% of banks under $1B in assets in LA (rank 45 of 51).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.81%

Rank 31 of 51

Net Interest Margin

3.27%

Rank 39 of 51

Efficiency Ratio

72.60%

Rank 29 of 51

Equity / Assets

11.94%

Rank 18 of 51

Non-interest income vs. expense

$4.4M$17.9MINCOMEEXPENSE
Unfavorable gap of $13.5M · efficiency ratio beats 45% of banks under $1B in assets in LA
Bank 72.60%Peer median 71.1%Q3 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.81%0.60%0.87%1.23%Beats 39%31 / 51
Return on Equity6.74%4.22%8.15%10.75%Beats 39%31 / 51
Net Interest Margin3.27%3.27%3.79%4.18%Beats 24%39 / 51
Efficiency Ratio72.60%63.83%71.14%79.73%Beats 45%29 / 51
Asset Quality
Nonperforming Loans / Loans0.72%0.30%0.50%1.45%Beats 41%31 / 51
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio16.27%11.39%13.95%16.27%Beats 75%13 / 51
Total Risk-Based Capital Ratio16.91%11.39%14.42%16.97%Beats 73%14 / 51
Equity / Assets11.94%9.50%10.97%13.40%Beats 65%18 / 51
Liquidity & Funding
Loans / Deposits82.90%57.90%81.44%90.34%57th pctl22 / 51
Loans / Assets67.34%49.18%68.20%76.26%45th pctl28 / 51
Brokered Deposits / Deposits1.10%n/an/a0.35%Beats 14%45 / 51