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Fidelity Bank

New Orleans, LA · Cert 28316 · FB Bcorp Inc.

SI · FDIC · 20 branches

Q2 2026

$1.2BAssets
$746.0MLoans
$857.6MDeposits
$243.7MEquity
Loan mix
89%RE $689.9M11%C&I $81.9M1%Consumer $4.3MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $683.3M20%Noninterest $174.3MQ2 2025Q2 2026

NIM

5.43%Q2 ’245.35%Q2 ’255.45%Q2 ’26+5%-1%

Non-interest income vs. expense

5.74%Q2 ’245.04%Q2 ’254.66%Q2 ’26-4%-2%

Market Position · New Orleans-Metairie, LA · 2026 SOD (annual) · 1.8% share · #9 of 32 inst. · $0.6B of $36.0B

2.6% Jefferson
1.5% Orleans
1.6% St. Tammany
1.0% Tangipahoa

Executive Summary

  • Earnings: ROA of 0.13%, down 11 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 1.85% of loans (+22 bps YoY), with net charge-offs at 0.25%.
  • Capital: tier 1 leverage ratio of 20.32%, up 6 bps from a year ago.
  • Funding: loans stand at 86.99% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.13%-11 bps YoY

Net Interest Margin (YTD, annualized)

3.97%-4 bps YoY

Efficiency Ratio (YTD, annualized)

91.78%-102 bps YoY

Tier 1 Leverage Ratio

20.32%+6 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.23%0.27%0.09%0.11%0.13%-11 bps
Return on Equity1.19%1.36%0.46%0.56%0.65%-55 bps
Net Interest Margin4.01%4.15%4.10%4.08%3.97%-4 bps
Efficiency Ratio92.80%92.17%92.13%92.85%91.78%-102 bps
Non-Interest Burden3.62%3.72%3.66%3.69%3.55%-7 bps
Growth
Asset Growth (YoY)6.33%-10.22%2.41%2.25%-1.65%-797 bps
Loan Growth (YoY)5.73%4.50%-1.35%-1.99%-6.97%-1,270 bps
Deposit Growth (YoY)17.78%-7.59%1.57%-0.68%-6.70%-2,448 bps
Asset Quality
Nonperforming Loans / Loans1.63%1.82%2.18%1.94%1.85%+22 bps
Net Charge-Offs / Loans0.23%0.21%0.21%0.21%0.25%+2 bps
Allowance / Loans0.77%0.78%0.81%0.82%0.91%+15 bps
Allowance Coverage of NPLs0.5x0.4x0.4x0.4x0.5x0.0x
Capital
Tier 1 Leverage Ratio20.26%20.05%20.02%20.23%20.32%+6 bps
Total Risk-Based Capital30.12%29.23%30.12%29.43%29.96%-17 bps
Equity / Assets19.51%19.70%19.67%19.32%19.87%+36 bps
Liquidity & Funding
Loans / Deposits87.25%85.63%84.45%85.19%86.99%-26 bps
Liquid Assets / Assets6.03%4.47%4.07%3.01%2.90%-313 bps
CRE / Total Capitaln/a104.97%100.30%108.73%n/an/a