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Hibernia Bank

New Orleans, LA · Cert 27752

SL · FDIC · 5 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

41

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

6

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

5

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

Hibernia Bank

New Orleans, LA · Cert 27752

SL · FDIC · 5 branches

Q2 2026

$256.6MAssets
$211.5MLoans
$210.0MDeposits
$33.7MEquity
Loan mix
99%RE $194.6M0%C&I $0.9M0%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
94%Interest-bearing $196.5M6%Noninterest $13.5MQ2 2025Q2 2026

NIM

4.85%Q2 ’244.75%Q2 ’254.78%Q2 ’26+11%+20%

Non-interest income vs. expense

2.03%Q2 ’242.32%Q2 ’252.34%Q2 ’26+14%+1%

Market Position · New Orleans-Metairie, LA · 2026 SOD (annual) · 0.6% share · #16 of 32 inst. · $0.2B of $36.0B

1.1% Jefferson
0.3% Orleans

Executive Summary

  • Earnings: ROA of 0.11%, up 34 bps year over year; NIM at 2.49%.
  • Asset quality: problem loans at 1.37% of loans (-171 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 11.54%, down 18 bps from a year ago.
  • Funding: loans stand at 100.69% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.11%+34 bps YoY

Net Interest Margin (YTD, annualized)

2.49%+42 bps YoY

Efficiency Ratio (YTD, annualized)

94.13%-1,788 bps YoY

Tier 1 Leverage Ratio

11.54%-18 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.23%-0.19%-0.29%-0.02%0.11%+34 bps
Return on Equity-1.67%-1.37%-2.12%-0.14%0.80%+248 bps
Net Interest Margin2.07%2.15%2.07%2.35%2.49%+42 bps
Efficiency Ratio112.01%109.84%113.85%100.98%94.13%-1,788 bps
Non-Interest Burden2.27%2.31%2.31%2.31%2.28%+2 bps
Growth
Asset Growth (YoY)-14.28%-8.68%-4.86%-3.81%6.86%+2,113 bps
Loan Growth (YoY)-8.20%-5.71%-4.07%1.93%11.19%+1,939 bps
Deposit Growth (YoY)-14.09%-9.22%-5.10%-3.97%2.57%+1,666 bps
Asset Quality
Nonperforming Loans / Loans3.09%2.43%1.64%1.51%1.37%-171 bps
Net Charge-Offs / Loans0.00%1.05%0.96%-0.01%-0.01%-1 bps
Allowance / Loans1.36%0.58%0.48%0.46%0.43%-93 bps
Allowance Coverage of NPLs0.4x0.2x0.3x0.3x0.3x-0.1x
Capital
Tier 1 Leverage Ratio11.72%11.88%11.57%11.64%11.54%-18 bps
Total Risk-Based Capital11.72%11.88%11.57%11.64%11.54%-18 bps
Equity / Assets14.14%13.99%13.63%13.70%13.12%-102 bps
Liquidity & Funding
Loans / Deposits92.89%91.72%88.47%93.06%100.69%+781 bps
Liquid Assets / Assets12.50%12.91%15.42%11.59%9.52%-298 bps
CRE / Total Capitaln/a281%284%291%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

Hibernia Bank

New Orleans, LA · Cert 27752 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

SL · FDIC · 5 branches

Q2 2026

$256.6MAssets
$211.5MLoans
$210.0MDeposits
$33.7MEquity

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: efficiency ratio trails 95% of banks under $1B in assets operating in a single state (rank 710 of 746).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.11%

Rank 707 of 746

Net Interest Margin

2.49%

Rank 697 of 746

Efficiency Ratio

94.13%

Rank 710 of 746

Equity / Assets

13.12%

Rank 182 of 746

Non-interest income vs. expense

$0.1M$5.7MINCOMEEXPENSE
Unfavorable gap of $5.6M · efficiency ratio beats 5% of banks under $1B in assets operating in a single state
Bank 94.13%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.11%0.72%1.06%1.45%Beats 5%707 / 746
Return on Equity0.80%6.74%10.51%13.63%Beats 5%709 / 746
Net Interest Margin2.49%3.17%3.68%4.16%Beats 7%697 / 746
Efficiency Ratio94.13%55.74%64.58%75.47%Beats 5%710 / 746
Asset Quality
Nonperforming Loans / Loans1.37%0.09%0.42%1.07%Beats 18%607 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio11.54%11.55%13.75%17.60%Beats 25%562 / 746
Total Risk-Based Capital Ratio11.54%11.71%14.33%18.43%Beats 23%576 / 746
Equity / Assets13.12%8.90%10.51%13.06%Beats 76%182 / 746
Liquidity & Funding
Loans / Deposits100.69%61.31%78.27%90.78%90th pctl73 / 746
Loans / Assets82.39%53.60%66.97%76.08%90th pctl71 / 746
Brokered Deposits / Depositsn/aNot reported for this institution