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Eureka Homestead

Metairie, LA · Cert 29268 · Eureka Homestead Bcorp Inc.

State savings bank · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

89

Q2 2024Q2 2026peer median (50)

Asset Quality

75

Q2 2024Q2 2026peer median (50)

Profitability

5

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

3

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

Eureka Homestead

Metairie, LA · Cert 29268 · Eureka Homestead Bcorp Inc.

State savings bank · OCC · 1 branch

Q2 2026

$89.4MAssets
$75.2MLoans
$57.8MDeposits
$18.4MEquity
Loan mix
100%RE $77.8M0%C&I $0.0M0%Consumer $0.2MQ2 2025Q2 2026
Deposit mix
98%Interest-bearing $56.6M2%Noninterest $1.2MQ2 2025Q2 2026

NIM

4.02%Q2 ’243.91%Q2 ’253.91%Q2 ’26-18%-21%

Non-interest income vs. expense

2.14%Q2 ’242.63%Q2 ’252.37%Q2 ’26+25%-11%

Market Position · New Orleans-Metairie, LA · 2026 SOD (annual) · 0.2% share · #26 of 32 inst. · $0.1B of $36.0B

Executive Summary

  • Earnings: ROA of -0.53%, up 7 bps year over year; NIM at 1.34%.
  • Asset quality: problem loans at 0.48% of loans (-24 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 21.12%, up 65 bps from a year ago.
  • Funding: loans stand at 130.22% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.53%+7 bps YoY

Net Interest Margin (YTD, annualized)

1.34%-35 bps YoY

Efficiency Ratio (YTD, annualized)

141.28%+1,137 bps YoY

Tier 1 Leverage Ratio

21.12%+65 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.59%-0.59%-0.54%-0.34%-0.53%+7 bps
Return on Equity-3.04%-2.99%-2.72%-1.68%-2.58%+46 bps
Net Interest Margin1.68%1.66%1.63%1.48%1.34%-35 bps
Efficiency Ratio129.91%130.21%129.45%123.70%141.28%+1,137 bps
Non-Interest Burden2.29%2.28%2.21%1.92%2.03%-26 bps
Growth
Asset Growth (YoY)-7.55%-8.56%-7.38%-4.79%-6.36%+119 bps
Loan Growth (YoY)-7.09%-7.30%-5.82%-3.81%-6.28%+81 bps
Deposit Growth (YoY)1.22%-5.47%-8.18%-6.06%-13.98%-1,520 bps
Asset Quality
Nonperforming Loans / Loans0.72%0.48%0.75%0.46%0.48%-24 bps
Net Charge-Offs / Loans0.00%0.00%0.03%0.00%0.00%0 bps
Allowance / Loans1.03%1.04%1.03%1.03%1.06%+4 bps
Allowance Coverage of NPLs1.4x2.1x1.4x2.2x2.2x+0.8x
Capital
Tier 1 Leverage Ratio20.47%20.63%20.69%20.69%21.12%+65 bps
Total Risk-Based Capital40.14%40.63%41.23%41.36%42.17%+203 bps
Equity / Assets19.72%19.98%20.33%20.12%20.57%+85 bps
Liquidity & Funding
Loans / Deposits119.52%118.62%119.95%122.64%130.22%+1,070 bps
Liquid Assets / Assets6.51%6.42%5.97%6.62%7.16%+65 bps
CRE / Total Capitaln/a19.14%19.61%13.06%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

Eureka Homestead

Metairie, LA · Cert 29268 · Peer group: banks under $1B in assets (n=581-629) · Eureka Homestead Bcorp Inc.

State savings bank · OCC · 1 branch

Q2 2026

$89.4MAssets
$75.2MLoans
$57.8MDeposits
$18.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: net interest margin trails 98% of banks under $1B in assets (rank 618 of 629).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

-0.53%

Rank 592 of 629

Net Interest Margin

1.34%

Rank 618 of 629

Efficiency Ratio

141.28%

Rank 610 of 629

Equity / Assets

20.57%

Rank 77 of 629

Non-interest income vs. expense

$0.3M$2.1MINCOMEEXPENSE
Unfavorable gap of $1.8M · efficiency ratio beats 3% of banks under $1B in assets
Bank 141.28%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.53%0.60%1.01%1.45%Beats 6%592 / 629
Return on Equity-2.60%5.38%9.30%13.28%Beats 7%587 / 629
Net Interest Margin1.34%3.03%3.54%4.05%Beats 2%618 / 629
Efficiency Ratio141.28%58.35%67.79%79.08%Beats 3%610 / 629
Asset Quality
Nonperforming Loans / Loans0.48%0.09%0.46%1.20%Beats 49%298 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio40.92%11.24%13.84%18.77%Beats 90%66 / 629
Total Risk-Based Capital Ratio42.17%11.58%14.43%19.66%Beats 90%66 / 629
Equity / Assets20.57%9.09%10.65%13.80%Beats 88%77 / 629
Liquidity & Funding
Loans / Deposits130.22%67.24%80.90%93.48%99th pctl5 / 594
Loans / Assets84.17%53.31%67.71%78.15%90th pctl62 / 629
Brokered Deposits / Depositsn/aNot reported for this institution