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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

5.53%Q2 ’245.29%Q2 ’255.37%Q2 ’26+2%-1%

Non-interest income vs. expense

5.81%Q2 ’245.16%Q2 ’254.36%Q2 ’26+2%-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 0.14%, down 12 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 1.85% of loans (+22 bps YoY), with net charge-offs at 0.28%.
  • 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 (quarter, annualized)

0.14%-12 bps YoY

Net Interest Margin (quarter, annualized)

3.85%-6 bps YoY

Efficiency Ratio (quarter, annualized)

90.59%-163 bps YoY

Tier 1 Leverage Ratio

20.32%+6 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.27%0.33%-0.43%0.11%0.14%-12 bps
Return on Equity1.36%1.69%-2.19%0.56%0.74%-62 bps
Net Interest Margin3.91%4.55%3.92%4.08%3.85%-6 bps
Efficiency Ratio92.21%91.00%92.02%92.85%90.59%-163 bps
Non-Interest Burden3.47%4.04%3.43%3.69%3.40%-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 / Loans0.24%0.16%0.21%0.21%0.28%+4 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