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Letter portraitLegal landscapeQuarterYTD

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

4.10%Q2 ’244.19%Q2 ’254.21%Q2 ’26+4%+9%

Non-interest income vs. expense

2.66%Q2 ’242.58%Q2 ’252.64%Q2 ’26-2%+1%

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 0.26%, up 24 bps year over year; NIM at 2.69%.
  • Asset quality: problem loans at 0.17% of loans (-252 bps YoY), with net charge-offs at 0.02%.
  • 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 (quarter, annualized)

0.26%+24 bps YoY

Net Interest Margin (quarter, annualized)

2.69%+21 bps YoY

Efficiency Ratio (quarter, annualized)

79.02%-436 bps YoY

Tier 1 Leverage Ratio

11.95%+34 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.02%0.46%0.36%0.38%0.26%+24 bps
Return on Equity0.15%4.37%3.33%3.54%2.40%+226 bps
Net Interest Margin2.47%2.56%2.54%2.56%2.69%+21 bps
Efficiency Ratio83.37%84.33%84.80%85.39%79.02%-436 bps
Non-Interest Burden1.95%2.05%2.06%2.09%1.98%+3 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 / Loans0.00%0.02%-0.01%0.85%0.02%+2 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