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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