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Fifth District Savings Bank

New Orleans, LA · Cert 27697 · Fifth District Bcorp Inc.

State savings bank · OCC · 7 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

97

Q2 2024Q2 2026peer median (50)

Asset Quality

88

Q2 2024Q2 2026peer median (50)

Profitability

9

Q2 2024Q2 2026peer median (50)

Liquidity

23

Q2 2024Q2 2026peer median

Efficiency

11

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

Fifth District Savings Bank

New Orleans, LA · Cert 27697 · Fifth District Bcorp Inc.

State savings bank · OCC · 7 branches

Q2 2026

$531.8MAssets
$395.0MLoans
$414.8MDeposits
$111.2MEquity
Loan mix
94%RE $365.3M4%C&I $15.5M2%Consumer $7.1MQ3 2024Q2 2026
Deposit mix
98%Interest-bearing $407.4M2%Noninterest $7.4MQ3 2024Q2 2026

Market Position · New Orleans-Metairie, LA · 2026 SOD (annual) · 1.1% share · #13 of 32 inst. · $0.4B of $36.0B

1.7% Jefferson
0.8% Orleans
0.4% St. Tammany

Executive Summary

  • Earnings: ROA of 0.33%, down 88 bps year over year; NIM at 2.68%.
  • Asset quality: problem loans at 0.09% of loans (-25 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 21.41%, up 41 bps from a year ago.
  • Funding: loans stand at 95.23% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.33%-88 bps YoY

Net Interest Margin (YTD, annualized)

2.68%+44 bps YoY

Efficiency Ratio (YTD, annualized)

85.36%+1,699 bps YoY

Tier 1 Leverage Ratio

21.41%+41 bps YoY

NIM

3.58%Q2 ’243.93%Q2 ’254.22%Q2 ’26+29%+20%

Non-interest income vs. expense

2.17%Q2 ’242.51%Q2 ’252.42%Q2 ’26-45%+110%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.07%-0.02%0.06%1.21%0.91%0.79%0.32%0.33%-88 bps
Return on Equity-0.39%-0.10%0.30%6.08%4.53%3.93%1.55%1.61%-447 bps
Net Interest Margin1.80%1.88%2.19%2.24%2.29%2.35%2.63%2.68%+44 bps
Efficiency Ratio104.81%102.28%96.86%68.37%72.83%74.45%85.52%85.36%+1,699 bps
Non-Interest Burden1.89%1.93%2.12%1.07%1.40%1.54%2.22%2.26%+119 bps
Growth
Asset Growth (YoY)10.27%9.67%9.41%4.59%3.04%1.36%0.85%-1.40%-598 bps
Loan Growth (YoY)0.89%0.33%2.69%3.17%3.14%2.46%3.20%3.61%+44 bps
Deposit Growth (YoY)5.46%6.15%4.15%-1.86%2.84%-0.02%-0.34%-2.33%-46 bps
Asset Quality
Nonperforming Loans / Loans0.17%0.29%0.20%0.34%0.05%0.14%0.02%0.09%-25 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.46%0.46%0.45%0.45%0.45%0.45%0.44%0.43%-2 bps
Allowance Coverage of NPLs2.6x1.6x2.2x1.3x8.5x3.1x27.0x5.0x+3.6x
Capital
Tier 1 Leverage Ratio20.75%20.78%20.71%21.00%20.94%21.07%21.41%21.41%+41 bps
Total Risk-Based Capital44.38%43.91%42.53%42.31%42.09%41.79%39.97%39.48%-283 bps
Equity / Assets20.28%19.71%19.84%20.19%20.36%20.70%20.71%20.91%+72 bps
Liquidity & Funding
Loans / Deposits89.68%88.15%89.88%89.78%89.95%90.34%93.07%95.23%+545 bps
Liquid Assets / Assets5.45%6.08%4.64%4.07%5.26%5.40%3.17%2.41%-166 bps
CRE / Total Capitaln/an/an/an/a14.77%20.07%27.20%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

Fifth District Savings Bank

New Orleans, LA · Cert 27697 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Fifth District Bcorp Inc.

State savings bank · OCC · 7 branches

Q2 2026

$531.8MAssets
$395.0MLoans
$414.8MDeposits
$111.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: return on equity trails 93% of banks under $1B in assets operating in a single state (rank 696 of 746).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.33%

Rank 661 of 746

Net Interest Margin

2.68%

Rank 682 of 746

Efficiency Ratio

85.36%

Rank 668 of 746

Equity / Assets

20.91%

Rank 30 of 746

Non-interest income vs. expense

$0.9M$13.1MINCOMEEXPENSE
Unfavorable gap of $12.3M · efficiency ratio beats 11% of banks under $1B in assets operating in a single state
Bank 85.36%Peer median 64.6%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.33%0.72%1.06%1.45%Beats 11%661 / 746
Return on Equity1.60%6.74%10.51%13.63%Beats 7%696 / 746
Net Interest Margin2.68%3.17%3.68%4.16%Beats 9%682 / 746
Efficiency Ratio85.36%55.74%64.58%75.47%Beats 11%668 / 746
Asset Quality
Nonperforming Loans / Loans0.09%0.09%0.42%1.07%Beats 75%186 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio38.90%11.55%13.75%17.60%Beats 97%25 / 746
Total Risk-Based Capital Ratio39.48%11.71%14.33%18.43%Beats 97%25 / 746
Equity / Assets20.91%8.90%10.51%13.06%Beats 96%30 / 746
Liquidity & Funding
Loans / Deposits95.23%61.31%78.27%90.78%84th pctl116 / 746
Loans / Assets74.29%53.60%66.97%76.08%69th pctl231 / 746
Brokered Deposits / Depositsn/aNot reported for this institution