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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Louisiana, the state note

B1bank

Baton Rouge, Louisiana · $8.89B in assets · beside the 5 other Louisiana banks between $3B and $10B

The filing

0.7x
Coverage of noncurrent
6th of 6
240.6%
CRE / capital
6th of 6
91.6%
Loans / deposits
5th of 6

B1bank is the largest of the 6 Louisiana banks between $3B and $10B, with $8.89B in assets at 30 June 2026. Loans are 91.6% of deposits, 5th of 6 against a median of 87.8%, and equity is 12.2% of assets, 2nd of 6. Loans grew +10.2% in the year, 3rd of 6, and deposits grew 13.0%; the cohort's median loan growth is +7.9%.

Noncurrent loans are 1.26% of the book, 4th of 6 against a median of 1.11%; 0.40% is 30 to 89 days past due, and the allowance covers them 0.7 times. Net charge-offs are 0.12% of loans, 4th of 6. Commercial real estate is 37.0% of loans, 5th of 6 against a median of 32.3%, and 241% of capital, below the 300% screen, with construction at 68% against the 100% screen.

Return on assets is 1.19%, 3rd of 6 against a median of 1.19%, on an efficiency ratio of 61.5%, 3rd of 6. Five years ago it was 1.50%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate against capital, the 300% screenLA banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 206% RR Red River Bank 155% GC Gulf Coast Bank & Trust Co. 175% IB Investar Bank National Association 204% HB Home Bank National Association 208% FG First Guaranty Bank 235% B B1bank 241%
Loans, year over yearLA banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +7.9% IB Investar Bank National Association +45.3% GC Gulf Coast Bank & Trust Co. +11.4% B B1bank +10.2% RR Red River Bank +5.7% HB Home Bank National Association +0.5% FG First Guaranty Bank -26.8%

SBA 7(a), FY2008 to FY2026

B1bank is the 38th largest 7(a) lender into Texas of 706, with $277M across 304 loans, 0.6% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 23 of its 68 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Harris, TX$119M15th of 3141.5%+0.4 pts
Brazoria, TX$31M3rd of 1295.8%+1.1 pts
Fort Bend, TX$29M14th of 1801.9%-1.7 pts
Galveston, TX$25M5th of 1135.4%-0.3 pts
East Baton Rouge, LA$19M5th of 1174.3%+1.0 pts
Jefferson, LA$12M12th of 843.1%thin
Montgomery, TX$12M24th of 1651.0%+0.8 pts
Ascension, LA$11M3rd of 558.7%-19.7 pts
Dallas, TX$10M86th of 3140.2%-0.1 pts
Saint Tammany, LA$10M7th of 783.0%-5.2 pts
Saint Martin, LA$8M1st of 1924.6%+9.0 pts
Calcasieu, LA$8M6th of 734.1%+6.2 pts
Terrebonne, LA$7M2nd of 387.9%-1.5 pts
55 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services104$89M22.8%0.12%158th of 2,596
Manufacturing52$45M11.7%0.11%159th of 2,246
Health care & social assistance71$41M10.5%0.09%150th of 2,172
Retail trade66$33M8.4%0.05%235th of 2,589
Other services51$31M8.0%0.09%176th of 2,248
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and B1bank
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans B B1bank 0.6% $277M · 304 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
B1bankRankCohort median
Total CRE against capital, the 300% screen241%6th of 6206%
Construction against capital, the 100% screen68%5th of 661%
Construction and land development, share of loans10.4%5th of 69.4%
Non-owner-occupied nonfarm nonresidential, share of loans22.7%5th of 617.6%
Total CRE, the guidance definition, share of loans37.0%5th of 632.3%
CRE growth over 36 months, the third prong+32.7%5th of 6+18.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
B1bank$8.89B1.2%61.5%1.26%0.12%0.9%91.6%12.2%
First Guaranty Bank$3.89B0.4%68.9%2.30%1.33%1.9%50.9%6.7%
Gulf Coast Bank & Trust Co.$3.86B1.1%74.0%1.60%0.42%1.8%85.2%8.4%
Investar Bank National Association$3.85B1.2%63.3%0.63%0.02%1.2%95.2%11.5%
Home Bank National Association$3.60B1.4%59.3%0.95%0.06%1.2%90.3%13.6%
Red River Bank$3.31B1.5%53.7%0.11%0.01%1.1%77.8%11.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
B1bankCohort median
20212026Change20212026Change
Loans$2.86B$6.66B+133%$1.94B$2.80B+45%
Deposits$3.73B$7.27B+95%$2.40B$3.26B+36%
NPA / loans0.48%1.26%+0.79 pts0.90%1.11%+0.21 pts
Efficiency54.0%61.5%+7.5 pts61.1%62.4%+1.3 pts
ROA1.50%1.19%-0.31 pts1.33%1.19%-0.14 pts

This read was prepared for B1bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on B1bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort LA banks $3B to $10B
Institution www.b1bank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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