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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 assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

70

Q2 2024Q2 2026peer median (50)

Asset Quality

73

Q2 2024Q2 2026peer median (50)

Profitability

54

Q2 2024Q2 2026peer median (50)

Liquidity

57

Q2 2024Q2 2026peer median

Efficiency

59

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 $4.6MQ3 2024Q2 2026
Deposit mix
73%Interest-bearing $168.4M27%Noninterest $61.1MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.16%0.98%1.41%1.38%1.38%1.05%1.32%1.28%-10 bps
Return on Equity11.23%9.46%13.95%13.55%13.15%9.86%12.24%11.81%-174 bps
Net Interest Margin3.31%3.33%3.36%3.44%3.56%3.58%3.54%3.51%+7 bps
Efficiency Ratio61.41%66.26%58.86%60.20%59.85%63.93%60.37%61.47%+127 bps
Non-Interest Burden1.81%1.95%1.76%1.86%1.91%2.09%1.91%1.94%+8 bps
Growth
Asset Growth (YoY)1.07%6.26%6.95%6.03%4.80%3.15%4.09%6.15%+12 bps
Loan Growth (YoY)18.29%14.09%12.68%2.98%1.07%4.52%8.81%9.78%+680 bps
Deposit Growth (YoY)-0.79%6.35%6.54%5.83%4.60%2.27%3.90%5.91%+8 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.01%0.01%0.00%0.01%0.03%0.02%0.02%+2 bps
Net Charge-Offs / Loans0.05%0.04%0.00%0.01%0.00%0.01%0.00%0.00%-1 bps
Allowance / Loans0.85%0.92%0.91%0.86%0.87%0.91%0.90%0.89%+3 bps
Allowance Coverage of NPLs31.4x152.9x111.3x193.3x166.6x30.2x45.2x39.7x-153.6x
Capital
Tier 1 Leverage Ratio12.00%11.81%11.51%11.63%12.20%11.97%11.65%11.64%+2 bps
Total Risk-Based Capital18.60%18.21%18.33%19.02%19.64%18.79%17.87%18.83%-20 bps
Equity / Assets11.17%10.24%9.93%10.46%11.43%11.31%10.36%10.93%+47 bps
Liquidity & Funding
Loans / Deposits66.03%65.04%59.49%62.20%63.81%66.48%62.30%64.48%+228 bps
Liquid Assets / Assets12.10%12.44%20.05%17.67%16.36%10.94%18.43%16.13%-154 bps
CRE / Total Capitaln/an/an/an/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 operating in a single state (n=743-746) · 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 81% of banks under $1B in assets operating in a single state (rank 140 of 743).
  • Widest gap: net interest margin trails 60% of banks under $1B in assets operating in a single state (rank 445 of 746).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.25%

Rank 265 of 746

Net Interest Margin

3.51%

Rank 445 of 746

Efficiency Ratio

61.47%

Rank 306 of 746

Equity / Assets

10.93%

Rank 327 of 746

Non-interest income vs. expense

$1.5M$6.6MINCOMEEXPENSE
Unfavorable gap of $5.1M · efficiency ratio beats 59% of banks under $1B in assets operating in a single state
Bank 61.47%Peer median 64.6%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.25%0.72%1.06%1.45%Beats 64%265 / 746
Return on Equity11.47%6.74%10.51%13.63%Beats 59%304 / 746
Net Interest Margin3.51%3.17%3.68%4.16%Beats 40%445 / 746
Efficiency Ratio61.47%55.74%64.58%75.47%Beats 59%306 / 746
Asset Quality
Nonperforming Loans / Loans0.02%0.09%0.42%1.07%Beats 81%140 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 64%266 / 743
Capital
Tier 1 Capital Ratio18.04%11.55%13.75%17.60%Beats 77%173 / 746
Total Risk-Based Capital Ratio18.83%11.71%14.33%18.43%Beats 77%173 / 746
Equity / Assets10.93%8.90%10.51%13.06%Beats 56%327 / 746
Liquidity & Funding
Loans / Deposits64.48%61.31%78.27%90.78%29th pctl529 / 746
Loans / Assets56.44%53.60%66.97%76.08%30th pctl522 / 746
Brokered Deposits / Depositsn/aNot reported for this institution