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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

$531.8MAssets
$395.0MLoans
$414.8MDeposits
$111.2MEquity
Loan mix
94%RE $365.3M4%C&I $15.5M2%Consumer $7.1MQ2 2025Q2 2026
Deposit mix
98%Interest-bearing $407.4M2%Noninterest $7.4MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.21%0.91%0.79%0.32%0.33%-88 bps
Return on Equity6.08%4.53%3.93%1.55%1.61%-447 bps
Net Interest Margin2.24%2.29%2.35%2.63%2.68%+44 bps
Efficiency Ratio68.37%72.83%74.45%85.52%85.36%+1,699 bps
Non-Interest Burden1.07%1.40%1.54%2.22%2.26%+119 bps
Growth
Asset Growth (YoY)4.59%3.04%1.36%0.85%-1.40%-598 bps
Loan Growth (YoY)3.17%3.14%2.46%3.20%3.61%+44 bps
Deposit Growth (YoY)-1.86%2.84%-0.02%-0.34%-2.33%-46 bps
Asset Quality
Nonperforming Loans / Loans0.34%0.05%0.14%0.02%0.09%-25 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.45%0.45%0.45%0.44%0.43%-2 bps
Allowance Coverage of NPLs1.3x8.5x3.1x27.0x5.0x+3.6x
Capital
Tier 1 Leverage Ratio21.00%20.94%21.07%21.41%21.41%+41 bps
Total Risk-Based Capital42.31%42.09%41.79%39.97%39.48%-283 bps
Equity / Assets20.19%20.36%20.70%20.71%20.91%+72 bps
Liquidity & Funding
Loans / Deposits89.78%89.95%90.34%93.07%95.23%+545 bps
Liquid Assets / Assets4.07%5.26%5.40%3.17%2.41%-166 bps
CRE / Total Capitaln/a14.77%20.07%27.20%n/an/a