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First National Bank USA

Boutte, LA · Cert 22046 · First St Charles Bancshares

National charter · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

60

Q2 2024Q2 2026peer median (50)

Asset Quality

62

Q2 2024Q2 2026peer median (50)

Profitability

75

Q2 2024Q2 2026peer median (50)

Liquidity

22

Q2 2024Q2 2026peer median

Efficiency

77

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

First National Bank USA

Boutte, LA · Cert 22046 · First St Charles Bancshares

National charter · OCC · 2 branches

Q2 2026

$249.1MAssets
$113.5MLoans
$213.1MDeposits
$34.4MEquity
Loan mix
95%RE $105.3M4%C&I $4.4M1%Consumer $0.9MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $169.0M21%Noninterest $44.1MQ2 2025Q2 2026

NIM

5.68%Q2 ’245.54%Q2 ’255.29%Q2 ’26-3%-4%

Non-interest income vs. expense

2.53%Q2 ’242.51%Q2 ’252.53%Q2 ’26+198%+2%

Market Position · New Orleans-Metairie, LA · 2026 SOD (annual) · 0.6% share · #15 of 32 inst. · $0.2B of $36.0B

25.3% St. Charles
9.0% St. John the Baptist

Executive Summary

  • Earnings: ROA of 1.65%, down 25 bps year over year; NIM at 4.42%.
  • Asset quality: problem loans at 0.03% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 14.06%, up 40 bps from a year ago.
  • Funding: loans stand at 53.28% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.65%-25 bps YoY

Net Interest Margin (YTD, annualized)

4.42%-18 bps YoY

Efficiency Ratio (YTD, annualized)

54.32%+261 bps YoY

Tier 1 Leverage Ratio

14.06%+40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.91%1.93%1.93%1.77%1.65%-25 bps
Return on Equity14.03%14.00%13.83%12.46%11.76%-227 bps
Net Interest Margin4.60%4.53%4.70%4.47%4.42%-18 bps
Efficiency Ratio51.71%51.84%52.08%53.79%54.32%+261 bps
Non-Interest Burden2.26%2.23%2.32%2.29%2.29%+4 bps
Growth
Asset Growth (YoY)10.52%6.33%8.59%9.21%10.82%+30 bps
Loan Growth (YoY)14.87%13.83%6.47%7.75%4.88%-999 bps
Deposit Growth (YoY)10.81%6.07%7.84%8.98%10.74%-7 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.03%0.03%0.03%0.03%0 bps
Net Charge-Offs / Loans0.03%0.02%0.02%0.04%0.02%-1 bps
Allowance / Loans1.30%1.30%1.27%1.22%1.28%-2 bps
Allowance Coverage of NPLs40.3x40.4x40.3x41.1x42.9x+2.6x
Capital
Tier 1 Leverage Ratio13.66%13.64%14.67%13.92%14.06%+40 bps
Total Risk-Based Capital13.66%13.64%14.67%13.92%14.06%+40 bps
Equity / Assets13.58%14.52%14.51%13.94%13.80%+22 bps
Liquidity & Funding
Loans / Deposits56.26%59.07%57.90%55.82%53.28%-298 bps
Liquid Assets / Assets30.08%26.01%28.15%31.53%33.56%+348 bps
CRE / Total Capitaln/a189.24%185.04%189.98%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

First National Bank USA

Boutte, LA · Cert 22046 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First St Charles Bancshares

National charter · OCC · 2 branches

Q2 2026

$249.1MAssets
$113.5MLoans
$213.1MDeposits
$34.4MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 85% of banks under $1B in assets operating in a single state (rank 115 of 746).
  • Widest gap: net charge-offs / loans trails 56% of banks under $1B in assets operating in a single state (rank 422 of 743).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.58%

Rank 149 of 746

Net Interest Margin

4.42%

Rank 115 of 746

Efficiency Ratio

54.32%

Rank 169 of 746

Equity / Assets

13.80%

Rank 154 of 746

Non-interest income vs. expense

$0.6M$6.2MINCOMEEXPENSE
Unfavorable gap of $5.6M · efficiency ratio beats 77% of banks under $1B in assets operating in a single state
Bank 54.32%Peer median 64.6%Q1 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.58%0.72%1.06%1.45%Beats 80%149 / 746
Return on Equity11.46%6.74%10.51%13.63%Beats 59%305 / 746
Net Interest Margin4.42%3.17%3.68%4.16%Beats 85%115 / 746
Efficiency Ratio54.32%55.74%64.58%75.47%Beats 77%169 / 746
Asset Quality
Nonperforming Loans / Loans0.03%0.09%0.42%1.07%Beats 80%150 / 743
Net Charge-Offs / Loans0.02%0.00%0.01%0.05%Beats 44%422 / 743
Capital
Tier 1 Capital Ratio14.06%11.55%13.75%17.60%Beats 53%354 / 746
Total Risk-Based Capital Ratio14.06%11.71%14.33%18.43%Beats 47%397 / 746
Equity / Assets13.80%8.90%10.51%13.06%Beats 79%154 / 746
Liquidity & Funding
Loans / Deposits53.28%61.31%78.27%90.78%15th pctl632 / 746
Loans / Assets45.58%53.60%66.97%76.08%15th pctl637 / 746
Brokered Deposits / Depositsn/aNot reported for this institution