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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

4.95%Q2 ’244.65%Q2 ’254.92%Q2 ’26+18%+24%

Non-interest income vs. expense

2.11%Q2 ’242.36%Q2 ’252.33%Q2 ’26+12%-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 0.23%, up 40 bps year over year; NIM at 2.67%.
  • Asset quality: problem loans at 1.37% of loans (-171 bps YoY), with net recoveries of 0.02%.
  • 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 (quarter, annualized)

0.23%+40 bps YoY

Net Interest Margin (quarter, annualized)

2.67%+52 bps YoY

Efficiency Ratio (quarter, annualized)

88.14%-2,174 bps YoY

Tier 1 Leverage Ratio

11.54%-18 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.17%-0.11%-0.60%-0.02%0.23%+40 bps
Return on Equity-1.21%-0.75%-4.38%-0.14%1.75%+296 bps
Net Interest Margin2.15%2.25%1.91%2.35%2.67%+52 bps
Efficiency Ratio109.88%105.78%127.16%100.98%88.14%-2,174 bps
Non-Interest Burden2.31%2.32%2.38%2.31%2.29%-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%3.15%0.64%-0.01%-0.02%-2 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