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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

$381.4MAssets
$308.0MLoans
$276.2MDeposits
$35.8MEquity
Loan mix
99%RE $308.2M0%C&I $0.0M1%Consumer $1.9MQ2 2025Q2 2026
Deposit mix
89%Interest-bearing $246.3M11%Noninterest $29.9MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.20%0.22%0.21%0.43%0.42%+22 bps
Return on Equity2.18%2.42%2.29%4.62%4.49%+231 bps
Net Interest Margin2.17%2.21%2.23%2.43%2.48%+32 bps
Efficiency Ratio90.80%89.74%90.16%78.56%80.16%-1,064 bps
Non-Interest Burden1.95%1.96%1.99%1.86%1.94%0 bps
Growth
Asset Growth (YoY)2.47%0.72%0.15%-0.30%0.20%-227 bps
Loan Growth (YoY)1.82%2.42%0.06%-1.70%-2.91%-473 bps
Deposit Growth (YoY)9.87%6.48%4.53%12.04%11.72%+185 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.09%0.10%0.12%0.16%+7 bps
Net Charge-Offs / Loans0.03%0.02%0.01%0.00%0.00%-3 bps
Allowance / Loans0.40%0.40%0.41%0.41%0.41%+1 bps
Allowance Coverage of NPLs4.5x4.2x4.2x3.4x2.6x-1.9x
Capital
Tier 1 Leverage Ratio9.33%9.40%9.41%9.57%9.72%+39 bps
Total Risk-Based Capital37.80%37.61%38.33%39.05%9.72%-2,808 bps
Equity / Assets9.09%9.19%9.29%9.41%9.40%+31 bps
Liquidity & Funding
Loans / Deposits128.34%128.26%127.22%113.97%111.54%-1,680 bps
Liquid Assets / Assets5.59%4.82%5.80%5.94%7.09%+150 bps
CRE / Total Capitaln/a46.93%37.30%34.54%n/an/a