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Heritage Bank of Saint Tammany

Covington, LA · Cert 29577 · Heritage Nola Bcorp Inc.

SL · OCC · 4 branches

Q1 2026

Board Package

Performance Trends and Peer Comparison

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

Basis

Quarter: Q1 2026, the quarter ended March 31, 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=557 to 606). 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

18

Q2 2024Q1 2026peer median (50)

Asset Quality

32

Q2 2024Q1 2026peer median (50)

Profitability

7

Q2 2024Q1 2026peer median (50)

Liquidity

27

Q2 2024Q1 2026peer median

Efficiency

1

Q2 2024Q1 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

Heritage Bank of Saint Tammany

Covington, LA · Cert 29577 · Heritage Nola Bcorp Inc.

SL · OCC · 4 branches

Q1 2026

$167.9MAssets
$142.1MLoans
$149.8MDeposits
$16.7MEquity
Loan mix
98%RE $138.7M2%C&I $3.2M0%Consumer $0.3MQ2 2024Q1 2026
Deposit mix
86%Interest-bearing $129.1M14%Noninterest $20.7MQ2 2024Q1 2026

Market Position · Slidell-Mandeville-Covington, LA · 2025 SOD (annual) · 2.0% share · #12 of 27 inst. · $0.2B of $7.7B

Executive Summary

  • Earnings: ROA of -6.91%, down 754 bps year over year; NIM at 2.92%.
  • Asset quality: problem loans at 1.01% of loans (+54 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 9.65%, down 95 bps from a year ago.
  • Funding: loans stand at 94.85% of deposits as of Q1 2026.

Return on Assets (YTD, annualized)

-6.91%-754 bps YoY

Net Interest Margin (YTD, annualized)

2.92%+48 bps YoY

Efficiency Ratio (YTD, annualized)

305%+22,674 bps YoY

Tier 1 Leverage Ratio

9.65%-95 bps YoY

NIM

4.78%Q1 ’245.25%Q1 ’255.26%Q1 ’26+22%+20%

Non-interest income vs. expense

2.53%Q1 ’242.32%Q1 ’259.98%Q1 ’26-18%+439%

Year to date, annualized, through each quarter.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026YoY ΔTrend
Earnings
Return on Assets-0.12%-0.13%-0.02%0.63%0.53%0.30%0.35%-6.91%-754 bps
Return on Equity-1.04%-1.18%-0.15%6.09%5.16%2.88%3.35%-66.07%-7,216 bps
Net Interest Margin2.06%2.10%2.10%2.44%2.60%2.66%2.78%2.92%+48 bps
Efficiency Ratio105.61%105.70%100.82%78.05%79.17%88.82%86.47%305%+22,674 bps
Non-Interest Burden2.19%2.23%2.12%1.78%1.96%2.30%2.33%9.62%+784 bps
Growth
Asset Growth (YoY)-6.95%-5.03%3.97%7.28%9.55%7.38%-1.17%-8.47%-1,575 bps
Loan Growth (YoY)-1.74%-1.31%5.67%6.09%10.85%4.28%-1.02%-3.00%-908 bps
Deposit Growth (YoY)1.59%1.79%10.05%12.00%16.16%15.75%2.71%-2.41%-1,441 bps
Asset Quality
Nonperforming Loans / Loans0.47%0.54%0.53%0.47%0.33%0.46%0.65%1.01%+54 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.01%0.01%0.01%0.01%0.02%+1 bps
Allowance / Loans0.94%0.93%0.89%0.89%0.84%0.89%0.89%0.91%+2 bps
Allowance Coverage of NPLs2.0x1.7x1.7x1.9x2.6x1.9x1.4x0.9x-1.0x
Capital
Tier 1 Leverage Ratio11.84%11.03%10.78%10.60%10.65%10.71%11.03%9.65%-95 bps
Total Risk-Based Capital11.84%11.03%10.78%10.60%10.65%10.71%11.03%9.65%-95 bps
Equity / Assets11.62%10.84%10.30%10.39%10.29%10.43%10.95%9.92%-47 bps
Liquidity & Funding
Loans / Deposits102.97%102.22%101.64%95.43%98.25%92.09%97.96%94.85%-57 bps
Liquid Assets / Assets6.74%7.29%7.55%9.19%7.59%11.29%8.92%4.93%-425 bps
CRE / Total Capitaln/an/an/an/an/a293%274%301%n/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

Heritage Bank of Saint Tammany

Covington, LA · Cert 29577 · Peer group: banks under $1B in assets (n=557-606) · Heritage Nola Bcorp Inc.

SL · OCC · 4 branches

Q1 2026

$167.9MAssets
$142.1MLoans
$149.8MDeposits
$16.7MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 43% of banks under $1B in assets (rank 344 of 604).
  • Widest gap: return on equity trails 100% of banks under $1B in assets (rank 601 of 604).
  • Overall: at or above the peer median on 0 of 10 directional measures.

Return on Assets

-7.14%

Rank 597 of 604

Net Interest Margin

2.92%

Rank 480 of 604

Efficiency Ratio

305%

Rank 600 of 603

Equity / Assets

9.92%

Rank 344 of 604

Non-interest income vs. expense

$0.6M$17.8MINCOMEEXPENSE
Unfavorable gap of $17.2M · efficiency ratio beats 1% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets-7.14%0.58%1.00%1.47%Beats 1%597 / 604n/a
Return on Equity-71.93%5.38%9.60%13.62%Beats 0%601 / 604n/a
Net Interest Margin2.92%3.01%3.52%4.07%Beats 21%480 / 604n/a
Efficiency Ratio305%58.15%68.01%80.27%Beats 1%600 / 603n/a
Asset Quality
Nonperforming Loans / Loans1.01%0.08%0.39%1.12%Beats 28%400 / 558n/a
Net Charge-Offs / Loans0.01%n/a0.00%0.02%Beats 35%364 / 557n/a
Capital
Tier 1 Capital Ratio9.65%11.15%13.69%18.60%Beats 6%568 / 604n/a
Total Risk-Based Capital Ratio9.65%11.56%14.21%19.70%Beats 5%571 / 604n/a
Equity / Assets9.92%8.81%10.34%13.22%Beats 43%344 / 604n/a
Liquidity & Funding
Loans / Deposits94.85%63.31%78.59%92.04%80th pctl112 / 570n/a
Loans / Assets84.59%50.80%66.73%77.27%93rd pctl44 / 606n/a
Brokered Deposits / Deposits0.67%n/an/a3.83%Beats 37%357 / 568n/a