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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 $3.3MQ1 2024Q4 2025
Deposit mix
81%Interest-bearing $410.9M19%Noninterest $98.4MQ1 2024Q4 2025

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets0.68%0.58%0.60%0.88%0.73%0.68%0.80%0.82%-6 bps
Return on Equity6.74%5.69%5.80%8.50%6.69%6.29%7.24%7.30%-120 bps
Net Interest Margin2.94%2.91%2.93%3.01%3.19%3.16%3.19%3.27%+26 bps
Efficiency Ratio75.27%73.95%74.20%71.93%71.71%73.91%71.67%72.60%+67 bps
Non-Interest Burden2.08%1.99%2.01%1.96%2.12%2.18%2.11%2.18%+21 bps
Growth
Asset Growth (YoY)3.96%5.00%4.25%3.16%6.60%6.20%4.93%4.84%+168 bps
Loan Growth (YoY)18.52%11.36%14.39%11.98%13.91%16.15%13.48%12.61%+63 bps
Deposit Growth (YoY)1.12%5.92%4.30%5.63%7.30%1.90%1.15%0.00%-563 bps
Asset Quality
Nonperforming Loans / Loans0.80%1.37%1.52%1.04%1.03%0.93%0.90%0.72%-33 bps
Net Charge-Offs / Loans0.00%-0.09%-0.07%-0.09%0.01%0.01%0.01%0.01%+10 bps
Allowance / Loans0.84%1.01%1.05%0.76%0.76%0.75%0.75%0.75%-1 bps
Allowance Coverage of NPLs1.0x0.7x0.7x0.7x0.7x0.8x0.8x1.0x+0.3x
Capital
Tier 1 Leverage Ratio12.35%12.37%12.59%13.21%12.88%12.93%13.16%13.49%+28 bps
Total Risk-Based Capital16.12%16.26%16.02%16.95%16.26%16.06%16.66%16.91%-4 bps
Equity / Assets10.25%10.22%10.69%10.80%10.93%10.85%11.53%11.94%+114 bps
Liquidity & Funding
Loans / Deposits74.89%73.89%74.34%73.61%79.50%84.22%83.40%82.90%+929 bps
Liquid Assets / Assets14.49%14.25%14.32%14.57%12.50%11.22%11.63%10.89%-367 bps
CRE / Total Capitaln/an/an/an/an/an/a266%269%n/a