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First Federal Bank of Louisiana

Lake Charles, LA · Cert 30441

SL · OCC · 16 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets (n=322 to 328). 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

81

Q2 2024Q2 2026peer median (50)

Asset Quality

47

Q2 2024Q2 2026peer median (50)

Profitability

5

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

4

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

First Federal Bank of Louisiana

Lake Charles, LA · Cert 30441

SL · OCC · 16 branches

Q2 2026

$1.1BAssets
$640.7MLoans
$991.6MDeposits
$125.6MEquity
Loan mix
92%RE $585.9M6%C&I $37.0M2%Consumer $15.1MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $811.4M18%Noninterest $180.2MQ2 2025Q2 2026

NIM

4.06%Q2 ’244.12%Q2 ’254.18%Q2 ’26+1%+9%

Non-interest income vs. expense

2.65%Q2 ’242.57%Q2 ’252.66%Q2 ’26-1%+4%

Market Position · Lake Charles, LA · 2026 SOD (annual) · 10.8% share · #5 of 20 inst. · $0.7B of $6.1B

12.6% Calcasieu
6.7% Rapides
18.2% Allen
2.1% Natchitoches

Executive Summary

  • Earnings: ROA of 0.32%, up 14 bps year over year; NIM at 2.62%.
  • Asset quality: problem loans at 0.17% of loans (-252 bps YoY), with net charge-offs at 0.43%.
  • Capital: tier 1 leverage ratio of 11.95%, up 34 bps from a year ago.
  • Funding: loans stand at 64.62% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.32%+14 bps YoY

Net Interest Margin (YTD, annualized)

2.62%+21 bps YoY

Efficiency Ratio (YTD, annualized)

82.10%-310 bps YoY

Tier 1 Leverage Ratio

11.95%+34 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.18%0.28%0.30%0.38%0.32%+14 bps
Return on Equity1.79%2.66%2.84%3.54%2.97%+118 bps
Net Interest Margin2.41%2.49%2.47%2.56%2.62%+21 bps
Efficiency Ratio85.20%84.90%84.87%85.39%82.10%-310 bps
Non-Interest Burden1.96%2.02%2.00%2.09%2.03%+7 bps
Growth
Asset Growth (YoY)2.07%2.81%-0.06%1.31%2.05%-2 bps
Loan Growth (YoY)2.70%0.11%-0.89%-4.41%-5.15%-785 bps
Deposit Growth (YoY)1.82%1.19%-2.57%-0.12%0.66%-116 bps
Asset Quality
Nonperforming Loans / Loans2.69%2.77%2.83%0.17%0.17%-252 bps
Net Charge-Offs / Loans0.01%0.02%0.01%0.85%0.43%+42 bps
Allowance / Loans1.00%0.98%1.02%0.84%1.01%+1 bps
Allowance Coverage of NPLs0.4x0.4x0.4x4.8x6.0x+5.6x
Capital
Tier 1 Leverage Ratio11.61%11.98%11.88%11.95%11.95%+34 bps
Total Risk-Based Capital21.39%21.81%22.19%22.30%22.47%+108 bps
Equity / Assets10.49%10.72%10.99%10.63%10.94%+45 bps
Liquidity & Funding
Loans / Deposits68.57%67.96%67.65%62.61%64.62%-396 bps
Liquid Assets / Assets19.18%21.13%21.18%23.43%20.99%+181 bps
CRE / Total Capitaln/a247%241%231%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

First Federal Bank of Louisiana

Lake Charles, LA · Cert 30441 · Peer group: banks $1B-$10B in assets (n=322-328)

SL · OCC · 16 branches

Q2 2026

$1.1BAssets
$640.7MLoans
$991.6MDeposits
$125.6MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 92% of banks $1B-$10B in assets (rank 25 of 328).
  • Widest gap: return on equity trails 97% of banks $1B-$10B in assets (rank 317 of 328).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.32%

Rank 317 of 328

Net Interest Margin

2.62%

Rank 298 of 328

Efficiency Ratio

82.10%

Rank 315 of 328

Equity / Assets

10.94%

Rank 133 of 328

Non-interest income vs. expense

$7.3M$31.2MINCOMEEXPENSE
Unfavorable gap of $23.8M · efficiency ratio beats 4% of banks $1B-$10B in assets
Bank 82.10%Peer median 59.6%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.32%0.91%1.22%1.52%Beats 3%317 / 328
Return on Equity2.96%8.43%11.45%14.43%Beats 3%317 / 328
Net Interest Margin2.62%3.03%3.45%3.83%Beats 9%298 / 328
Efficiency Ratio82.10%51.61%59.56%67.53%Beats 4%315 / 328
Asset Quality
Nonperforming Loans / Loans0.17%0.24%0.51%1.03%Beats 80%65 / 322
Net Charge-Offs / Loans0.22%0.01%0.03%0.10%Beats 14%278 / 322
Capital
Tier 1 Capital Ratio21.41%11.75%13.15%15.47%Beats 92%25 / 328
Total Risk-Based Capital Ratio22.47%12.63%14.15%16.46%Beats 92%25 / 328
Equity / Assets10.94%9.15%10.33%12.01%Beats 59%133 / 328
Liquidity & Funding
Loans / Deposits64.62%76.63%87.92%95.36%10th pctl291 / 323
Loans / Assets55.80%65.18%74.15%79.98%13th pctl286 / 328
Brokered Deposits / Depositsn/aNot reported for this institution