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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 $0.9MQ3 2024Q2 2026
Deposit mix
79%Interest-bearing $169.0M21%Noninterest $44.1MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.82%2.50%1.92%1.91%1.93%1.93%1.77%1.65%-25 bps
Return on Equity20.99%18.54%14.10%14.03%14.00%13.83%12.46%11.76%-227 bps
Net Interest Margin4.70%4.64%4.53%4.60%4.53%4.70%4.47%4.42%-18 bps
Efficiency Ratio42.24%47.54%51.89%51.71%51.84%52.08%53.79%54.32%+261 bps
Non-Interest Burden1.20%1.64%2.21%2.26%2.23%2.32%2.29%2.29%+4 bps
Growth
Asset Growth (YoY)1.64%1.89%12.14%10.52%6.33%8.59%9.21%10.82%+30 bps
Loan Growth (YoY)0.22%9.81%13.00%14.87%13.83%6.47%7.75%4.88%-999 bps
Deposit Growth (YoY)-1.66%-0.18%11.38%10.81%6.07%7.84%8.98%10.74%-7 bps
Asset Quality
Nonperforming Loans / Loans0.13%0.12%0.03%0.03%0.03%0.03%0.03%0.03%0 bps
Net Charge-Offs / Loans0.00%0.01%0.06%0.03%0.02%0.02%0.04%0.02%-1 bps
Allowance / Loans1.50%1.37%1.33%1.30%1.30%1.27%1.22%1.28%-2 bps
Allowance Coverage of NPLs11.1x11.1x40.3x40.3x40.4x40.3x41.1x42.9x+2.6x
Capital
Tier 1 Leverage Ratio14.19%13.90%13.23%13.66%13.64%14.67%13.92%14.06%+40 bps
Total Risk-Based Capital14.19%13.90%13.23%13.66%13.64%14.67%13.92%14.06%+40 bps
Equity / Assets14.29%13.71%13.47%13.58%14.52%14.51%13.94%13.80%+22 bps
Liquidity & Funding
Loans / Deposits55.05%58.65%56.46%56.26%59.07%57.90%55.82%53.28%-298 bps
Liquid Assets / Assets30.40%26.61%29.44%30.08%26.01%28.15%31.53%33.56%+348 bps
CRE / Total Capitaln/an/an/an/a189.24%185.04%189.98%n/an/a