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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 $1.9MQ3 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 0.41%, up 18 bps year over year; NIM at 2.52%.
  • 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 (quarter, annualized)

0.41%+18 bps YoY

Net Interest Margin (quarter, annualized)

2.52%+29 bps YoY

Efficiency Ratio (quarter, annualized)

81.69%-847 bps YoY

Tier 1 Leverage Ratio

9.72%+39 bps YoY

NIM

4.66%Q2 ’244.91%Q2 ’254.97%Q2 ’26+3%+13%

Non-interest income vs. expense

2.46%Q2 ’242.26%Q2 ’252.28%Q2 ’26+0%+1%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.18%0.12%10.17%0.23%0.27%0.17%0.43%0.41%+18 bps
Return on Equity2.02%1.30%1.84%2.52%2.91%1.89%4.62%4.35%+183 bps
Net Interest Margin2.02%2.03%2.12%2.23%2.29%2.31%2.43%2.52%+29 bps
Efficiency Ratio90.58%98.67%91.50%90.16%87.68%91.37%78.56%81.69%-847 bps
Non-Interest Burden1.80%2.00%1.92%1.98%1.98%2.09%1.86%2.01%+3 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 / Loans0.15%0.00%0.06%0.00%0.00%-0.01%0.00%0.00%0 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