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Bank of Winnfield & Trust Company

Winnfield, LA · Cert 9323 · Black Cat Financial Corp.

State charter, non-member · FDIC · 2 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

78

Q2 2024Q2 2026peer median (50)

Asset Quality

40

Q2 2024Q2 2026peer median (50)

Profitability

31

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

21

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 Winnfield & Trust Company

Winnfield, LA · Cert 9323 · Black Cat Financial Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$156.0MAssets
$57.4MLoans
$136.9MDeposits
$17.5MEquity
Loan mix
67%RE $34.6M22%C&I $11.5M10%Consumer $5.3MQ2 2025Q2 2026
Deposit mix
67%Interest-bearing $92.0M33%Noninterest $44.9MQ2 2025Q2 2026

NIM

3.81%Q2 ’243.87%Q2 ’254.06%Q2 ’26+3%+5%

Non-interest income vs. expense

3.11%Q2 ’243.23%Q2 ’253.53%Q2 ’26+5%+12%

Executive Summary

  • Earnings: ROA of 0.58%, down 8 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 0.67% of loans (+34 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 14.43%, up 83 bps from a year ago.
  • Funding: loans stand at 41.92% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.58%-8 bps YoY

Net Interest Margin (YTD, annualized)

3.43%+16 bps YoY

Efficiency Ratio (YTD, annualized)

82.70%+395 bps YoY

Tier 1 Leverage Ratio

14.43%+83 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.67%0.75%0.77%0.46%0.58%-8 bps
Return on Equity7.13%7.70%7.67%4.15%5.25%-189 bps
Net Interest Margin3.27%3.41%3.42%3.34%3.43%+16 bps
Efficiency Ratio78.76%76.72%76.46%86.09%82.70%+395 bps
Non-Interest Burden2.40%2.42%2.41%2.76%2.69%+29 bps
Growth
Asset Growth (YoY)2.79%-1.58%1.53%-4.39%-3.47%-626 bps
Loan Growth (YoY)6.10%2.64%1.66%-1.41%6.94%+84 bps
Deposit Growth (YoY)2.21%-2.42%-0.65%-6.37%-5.32%-754 bps
Asset Quality
Nonperforming Loans / Loans0.32%0.04%0.57%0.52%0.67%+34 bps
Net Charge-Offs / Loans0.11%0.09%0.07%0.06%0.04%-7 bps
Allowance / Loans1.39%1.42%1.40%1.39%1.29%-10 bps
Allowance Coverage of NPLs4.3x32.8x2.5x2.7x1.9x-2.3x
Capital
Tier 1 Leverage Ratio13.60%14.21%14.29%14.31%14.43%+83 bps
Total Risk-Based Capital32.50%33.33%32.08%34.01%32.16%-34 bps
Equity / Assets9.49%10.88%11.20%10.99%11.20%+171 bps
Liquidity & Funding
Loans / Deposits37.11%39.05%39.49%39.53%41.92%+481 bps
Liquid Assets / Assets22.72%19.52%19.96%21.15%17.72%-500 bps
CRE / Total Capitaln/a20.81%19.04%13.90%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 2026-10-11

Bank of Winnfield & Trust Company

Winnfield, LA · Cert 9323 · Peer group: banks under $1B in assets (n=581-629) · Black Cat Financial Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$156.0MAssets
$57.4MLoans
$136.9MDeposits
$17.5MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 88% of banks under $1B in assets (rank 77 of 629).
  • Widest gap: efficiency ratio trails 79% of banks under $1B in assets (rank 500 of 629).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.58%

Rank 481 of 629

Net Interest Margin

3.43%

Rank 347 of 629

Efficiency Ratio

82.70%

Rank 500 of 629

Equity / Assets

11.20%

Rank 272 of 629

Non-interest income vs. expense

$1.3M$5.5MINCOMEEXPENSE
Unfavorable gap of $4.2M · efficiency ratio beats 21% of banks under $1B in assets
Bank 82.70%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.58%0.60%1.01%1.45%Beats 24%481 / 629
Return on Equity5.18%5.38%9.30%13.28%Beats 24%481 / 629
Net Interest Margin3.43%3.03%3.54%4.05%Beats 45%347 / 629
Efficiency Ratio82.70%58.35%67.79%79.08%Beats 21%500 / 629
Asset Quality
Nonperforming Loans / Loans0.67%0.09%0.46%1.20%Beats 40%348 / 581
Net Charge-Offs / Loans0.02%n/a0.01%0.06%Beats 40%351 / 581
Capital
Tier 1 Capital Ratio31.13%11.24%13.84%18.77%Beats 88%77 / 629
Total Risk-Based Capital Ratio32.16%11.58%14.43%19.66%Beats 88%76 / 629
Equity / Assets11.20%9.09%10.65%13.80%Beats 57%272 / 629
Liquidity & Funding
Loans / Deposits41.92%67.24%80.90%93.48%7th pctl552 / 594
Loans / Assets36.80%53.31%67.71%78.15%13th pctl546 / 629
Brokered Deposits / Depositsn/aNot reported for this institution