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First Federal Savings & Loan Association of Pascagoula-Moss Point

Pascagoula, MS · Cert 30812

State savings bank · OCC · 6 branches

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

15

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

15

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

23

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 Savings & Loan Association of Pascagoula-Moss Point

Pascagoula, MS · Cert 30812

State savings bank · OCC · 6 branches

Q2 2026

$381.4MAssets
$308.0MLoans
$276.2MDeposits
$35.8MEquity
Loan mix
99%RE $308.2M0%C&I $0.0M1%Consumer $1.9MQ3 2024Q2 2026
Deposit mix
89%Interest-bearing $246.3M11%Noninterest $29.9MQ3 2024Q2 2026

Market Position · Gulfport-Biloxi, MS · 2026 SOD (annual) · 3.3% share · #9 of 16 inst. · $0.3B of $8.5B

Executive Summary

  • Earnings: ROA of 0.42%, up 22 bps year over year; NIM at 2.48%.
  • Asset quality: problem loans at 0.16% of loans (+7 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.72%, up 39 bps from a year ago.
  • Funding: loans stand at 111.54% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.42%+22 bps YoY

Net Interest Margin (YTD, annualized)

2.48%+32 bps YoY

Efficiency Ratio (YTD, annualized)

80.16%-1,064 bps YoY

Tier 1 Leverage Ratio

9.72%+39 bps YoY

NIM

4.60%Q2 ’244.82%Q2 ’254.98%Q2 ’26-3%+15%

Non-interest income vs. expense

2.39%Q2 ’242.18%Q2 ’252.19%Q2 ’26-3%0%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.20%0.18%0.17%0.20%0.22%0.21%0.43%0.42%+22 bps
Return on Equity2.22%1.99%1.84%2.18%2.42%2.29%4.62%4.49%+231 bps
Net Interest Margin2.14%2.11%2.12%2.17%2.21%2.23%2.43%2.48%+32 bps
Efficiency Ratio90.77%92.62%91.50%90.80%89.74%90.16%78.56%80.16%-1,064 bps
Non-Interest Burden1.91%1.93%1.92%1.95%1.96%1.99%1.86%1.94%0 bps
Growth
Asset Growth (YoY)6.02%5.08%1.99%2.47%0.72%0.15%-0.30%0.20%-227 bps
Loan Growth (YoY)7.22%5.47%3.05%1.82%2.42%0.06%-1.70%-2.91%-473 bps
Deposit Growth (YoY)3.82%7.50%8.12%9.87%6.48%4.53%12.04%11.72%+185 bps
Asset Quality
Nonperforming Loans / Loans0.30%0.29%0.13%0.09%0.09%0.10%0.12%0.16%+7 bps
Net Charge-Offs / Loans0.05%0.03%0.06%0.03%0.02%0.01%0.00%0.00%-3 bps
Allowance / Loans0.43%0.42%0.41%0.40%0.40%0.41%0.41%0.41%+1 bps
Allowance Coverage of NPLs1.4x1.5x3.2x4.5x4.2x4.2x3.4x2.6x-1.9x
Capital
Tier 1 Leverage Ratio9.26%9.28%9.33%9.33%9.40%9.41%9.57%9.72%+39 bps
Total Risk-Based Capital38.83%38.55%39.06%37.80%37.61%38.33%39.05%9.72%-2,808 bps
Equity / Assets9.04%8.99%9.06%9.09%9.19%9.29%9.41%9.40%+31 bps
Liquidity & Funding
Loans / Deposits133.35%132.90%129.91%128.34%128.26%127.22%113.97%111.54%-1,680 bps
Liquid Assets / Assets6.22%6.39%6.13%5.59%4.82%5.80%5.94%7.09%+150 bps
CRE / Total Capitaln/an/an/an/a46.93%37.30%34.54%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 Savings & Loan Association of Pascagoula-Moss Point

Pascagoula, MS · Cert 30812 · Peer group: banks under $1B in assets (n=581-629)

State savings bank · OCC · 6 branches

Q2 2026

$381.4MAssets
$308.0MLoans
$276.2MDeposits
$35.8MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 70% of banks under $1B in assets (rank 180 of 581).
  • Widest gap: total risk-based capital ratio trails 92% of banks under $1B in assets (rank 579 of 629).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.42%

Rank 521 of 629

Net Interest Margin

2.48%

Rank 570 of 629

Efficiency Ratio

80.16%

Rank 484 of 629

Equity / Assets

9.40%

Rank 438 of 629

Non-interest income vs. expense

$0.9M$8.3MINCOMEEXPENSE
Unfavorable gap of $7.3M · efficiency ratio beats 23% of banks under $1B in assets
Bank 80.16%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.42%0.60%1.01%1.45%Beats 17%521 / 629
Return on Equity4.45%5.38%9.30%13.28%Beats 20%503 / 629
Net Interest Margin2.48%3.03%3.54%4.05%Beats 9%570 / 629
Efficiency Ratio80.16%58.35%67.79%79.08%Beats 23%484 / 629
Asset Quality
Nonperforming Loans / Loans0.16%0.09%0.46%1.20%Beats 69%182 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 70%180 / 581
Capital
Tier 1 Capital Ratio9.72%11.24%13.84%18.77%Beats 8%577 / 629
Total Risk-Based Capital Ratio9.72%11.58%14.43%19.66%Beats 8%579 / 629
Equity / Assets9.40%9.09%10.65%13.80%Beats 30%438 / 629
Liquidity & Funding
Loans / Deposits111.54%67.24%80.90%93.48%96th pctl24 / 594
Loans / Assets80.75%53.31%67.71%78.15%83rd pctl109 / 629
Brokered Deposits / Depositsn/aNot reported for this institution