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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

$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

3.77%Q2 ’244.00%Q2 ’254.15%Q2 ’26+6%+4%

Non-interest income vs. expense

2.97%Q2 ’243.13%Q2 ’253.48%Q2 ’26+8%+14%

Executive Summary

  • Earnings: ROA of 0.71%, down 10 bps year over year; NIM at 3.52%.
  • Asset quality: problem loans at 0.67% of loans (+34 bps YoY), with net charge-offs at 0.02%.
  • 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 (quarter, annualized)

0.71%-10 bps YoY

Net Interest Margin (quarter, annualized)

3.52%+15 bps YoY

Efficiency Ratio (quarter, annualized)

79.47%+487 bps YoY

Tier 1 Leverage Ratio

14.43%+83 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.81%0.90%0.82%0.46%0.71%-10 bps
Return on Equity8.64%8.85%7.45%4.15%6.40%-224 bps
Net Interest Margin3.38%3.49%3.40%3.34%3.52%+15 bps
Efficiency Ratio74.60%72.84%75.65%86.09%79.47%+487 bps
Non-Interest Burden2.31%2.29%2.36%2.76%2.63%+31 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 / Loans0.21%0.05%0.02%0.06%0.02%-19 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