PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Neshoba

Philadelphia, MS · Charter 16435

NCUA · 1 branch

Q2 2026

$24.6MAssets
$8.9MLoans
$21.1MShares
$3.3MNet Worth

Executive Summary

  • Earnings: ROA of 1.30%, down 8 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 0.91% of loans (+32 bps YoY).
  • Capital: net worth / assets of 13.24%, up 81 bps from a year ago.
  • Funding: loans stand at 42.19% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.30%-8 bps YoY

Net Interest Margin (YTD, annualized)

4.06%-7 bps YoY

Efficiency Ratio (YTD, annualized)

68.21%-61 bps YoY

Net Worth / Assets

13.24%+81 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.72%1.60%1.59%1.38%1.47%1.49%1.00%1.30%-8 bps
Return on Equity13.51%13.15%12.68%11.13%11.46%11.48%8.15%9.84%-130 bps
Net Interest Margin4.53%4.20%4.24%4.13%4.20%4.19%3.79%4.06%-7 bps
Efficiency Ratio63.15%64.74%69.70%68.83%69.04%69.08%75.01%68.21%-61 bps
Growth
Asset Growth (YoY)-1.71%4.47%2.25%7.09%11.56%5.18%13.23%4.64%-246 bps
Loan Growth (YoY)3.99%-3.42%-6.18%-3.13%5.47%9.44%11.77%7.13%+1,026 bps
Share Growth (YoY)-3.92%4.34%0.85%5.66%11.23%3.95%13.34%4.31%-134 bps
Asset Quality
Delinquent Loans / Loans0.81%1.14%0.46%0.59%0.54%0.69%0.47%0.91%+32 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.70%12.20%12.56%12.43%12.79%13.02%12.30%13.24%+81 bps
Net Worth / Assets12.70%12.20%12.56%12.43%12.79%13.02%12.30%13.24%+81 bps
Liquidity & Funding
Loans / Shares44.50%40.43%40.06%41.08%42.20%42.56%39.50%42.19%+111 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps