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Bank of Brookhaven

Brookhaven, MS · Cert 35439 · Haven Capital Corp.

State charter, non-member · FDIC · 1 branch

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=570 to 617). 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

67

Q2 2024Q2 2026peer median (50)

Asset Quality

73

Q2 2024Q2 2026peer median (50)

Profitability

58

Q2 2024Q2 2026peer median (50)

Liquidity

55

Q2 2024Q2 2026peer median

Efficiency

68

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

Bank of Brookhaven

Brookhaven, MS · Cert 35439 · Haven Capital Corp.

State charter, non-member · FDIC · 1 branch

Q2 2026

$262.2MAssets
$148.0MLoans
$229.5MDeposits
$28.7MEquity
Loan mix
85%RE $117.8M12%C&I $16.5M3%Consumer $4.6MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $168.4M27%Noninterest $61.1MQ2 2025Q2 2026

NIM

4.85%Q2 ’245.12%Q2 ’255.18%Q2 ’26+4%+2%

Non-interest income vs. expense

2.35%Q2 ’242.39%Q2 ’252.50%Q2 ’26+5%+4%

Executive Summary

  • Earnings: ROA of 1.28%, down 10 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 0.02% of loans (+2 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.64%, up 2 bps from a year ago.
  • Funding: loans stand at 64.48% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.28%-10 bps YoY

Net Interest Margin (YTD, annualized)

3.51%+7 bps YoY

Efficiency Ratio (YTD, annualized)

61.47%+127 bps YoY

Tier 1 Leverage Ratio

11.64%+2 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.38%1.38%1.05%1.32%1.28%-10 bps
Return on Equity13.55%13.15%9.86%12.24%11.81%-174 bps
Net Interest Margin3.44%3.56%3.58%3.54%3.51%+7 bps
Efficiency Ratio60.20%59.85%63.93%60.37%61.47%+127 bps
Non-Interest Burden1.86%1.91%2.09%1.91%1.94%+8 bps
Growth
Asset Growth (YoY)6.03%4.80%3.15%4.09%6.15%+12 bps
Loan Growth (YoY)2.98%1.07%4.52%8.81%9.78%+680 bps
Deposit Growth (YoY)5.83%4.60%2.27%3.90%5.91%+8 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.03%0.02%0.02%+2 bps
Net Charge-Offs / Loans0.01%0.00%0.01%0.00%0.00%-1 bps
Allowance / Loans0.86%0.87%0.91%0.90%0.89%+3 bps
Allowance Coverage of NPLs193.3x166.6x30.2x45.2x39.7x-153.6x
Capital
Tier 1 Leverage Ratio11.63%12.20%11.97%11.65%11.64%+2 bps
Total Risk-Based Capital19.02%19.64%18.79%17.87%18.83%-20 bps
Equity / Assets10.46%11.43%11.31%10.36%10.93%+47 bps
Liquidity & Funding
Loans / Deposits62.20%63.81%66.48%62.30%64.48%+228 bps
Liquid Assets / Assets17.67%16.36%10.94%18.43%16.13%-154 bps
CRE / Total Capitaln/a213%228%227%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

Bank of Brookhaven

Brookhaven, MS · Cert 35439 · Peer group: banks under $1B in assets (n=570-617) · Haven Capital Corp.

State charter, non-member · FDIC · 1 branch

Q2 2026

$262.2MAssets
$148.0MLoans
$229.5MDeposits
$28.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 84% of banks under $1B in assets (rank 94 of 570).
  • Widest gap: net interest margin trails 53% of banks under $1B in assets (rank 324 of 617).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.25%

Rank 214 of 617

Net Interest Margin

3.51%

Rank 324 of 617

Efficiency Ratio

61.47%

Rank 197 of 617

Equity / Assets

10.93%

Rank 282 of 617

Non-interest income vs. expense

$1.5M$6.6MINCOMEEXPENSE
Unfavorable gap of $5.1M · efficiency ratio beats 68% of banks under $1B in assets
Bank 61.47%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.25%0.60%1.01%1.45%Beats 65%214 / 617
Return on Equity11.47%5.30%9.43%13.30%Beats 63%231 / 617
Net Interest Margin3.51%3.04%3.54%4.05%Beats 47%324 / 617
Efficiency Ratio61.47%58.03%67.76%79.08%Beats 68%197 / 617
Asset Quality
Nonperforming Loans / Loans0.02%0.09%0.47%1.27%Beats 84%94 / 570
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 62%217 / 570
Capital
Tier 1 Capital Ratio18.04%11.18%13.83%18.55%Beats 73%164 / 617
Total Risk-Based Capital Ratio18.83%11.56%14.39%19.39%Beats 73%165 / 617
Equity / Assets10.93%9.03%10.55%13.63%Beats 54%282 / 617
Liquidity & Funding
Loans / Deposits64.48%64.77%79.70%93.06%24th pctl441 / 582
Loans / Assets56.44%51.70%67.18%77.51%31st pctl426 / 617
Brokered Deposits / Depositsn/aNot reported for this institution