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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

3.99%Q2 ’243.86%Q2 ’253.76%Q2 ’26-16%-29%

Non-interest income vs. expense

2.18%Q2 ’242.66%Q2 ’252.35%Q2 ’26+28%-9%

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 -0.71%, down 10 bps year over year; NIM at 1.16%.
  • 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 (quarter, annualized)

-0.71%-10 bps YoY

Net Interest Margin (quarter, annualized)

1.16%-48 bps YoY

Efficiency Ratio (quarter, annualized)

165.06%+3,173 bps YoY

Tier 1 Leverage Ratio

21.12%+65 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.61%-0.58%-0.38%-0.34%-0.71%-10 bps
Return on Equity-3.11%-2.90%-1.89%-1.68%-3.49%-38 bps
Net Interest Margin1.64%1.56%1.50%1.48%1.16%-48 bps
Efficiency Ratio133.33%130.80%126.77%123.70%165.06%+3,173 bps
Non-Interest Burden2.30%2.18%1.97%1.92%2.08%-22 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%0.13%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