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First National Bank of Louisiana

Crowley, LA · Cert 4288 · First Natl Bancshares La Inc.

National charter · OCC · 5 branches

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

54

Q2 2024Q2 2026peer median (50)

Asset Quality

85

Q2 2024Q2 2026peer median (50)

Profitability

76

Q2 2024Q2 2026peer median (50)

Liquidity

78

Q2 2024Q2 2026peer median

Efficiency

75

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

First National Bank of Louisiana

Crowley, LA · Cert 4288 · First Natl Bancshares La Inc.

National charter · OCC · 5 branches

Q2 2026

$631.1MAssets
$462.1MLoans
$556.5MDeposits
$67.7MEquity
Loan mix
71%RE $308.5M28%C&I $120.0M1%Consumer $4.9MQ2 2025Q2 2026
Deposit mix
60%Interest-bearing $332.0M40%Noninterest $224.5MQ2 2025Q2 2026

NIM

5.14%Q2 ’245.27%Q2 ’255.23%Q2 ’26+3%0%

Non-interest income vs. expense

2.58%Q2 ’242.37%Q2 ’252.47%Q2 ’26-9%+8%

Market Position · Lafayette, LA · 2026 SOD (annual) · 3.7% share · #7 of 41 inst. · $0.4B of $12.2B

18.7% Acadia
2.4% Lafayette
1.8% Calcasieu
0.1% East Baton Rouge

Executive Summary

  • Earnings: ROA of 1.60%, down 56 bps year over year; NIM at 4.04%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.02%, down 13 bps from a year ago.
  • Funding: loans stand at 83.03% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.60%-56 bps YoY

Net Interest Margin (YTD, annualized)

4.04%-1 bps YoY

Efficiency Ratio (YTD, annualized)

55.75%+289 bps YoY

Tier 1 Leverage Ratio

11.02%-13 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.17%2.03%1.95%1.53%1.60%-56 bps
Return on Equity21.32%19.63%18.47%14.03%14.77%-655 bps
Net Interest Margin4.05%4.10%4.07%4.18%4.04%-1 bps
Efficiency Ratio52.87%52.52%52.46%56.29%55.75%+289 bps
Non-Interest Burden1.93%1.94%1.93%2.17%2.08%+15 bps
Growth
Asset Growth (YoY)5.44%7.73%5.74%13.62%7.50%+206 bps
Loan Growth (YoY)3.72%7.02%9.06%12.56%17.60%+1,388 bps
Deposit Growth (YoY)6.74%6.74%3.48%13.89%6.84%+10 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.32%1.31%1.31%1.28%1.22%-11 bps
Allowance Coverage of NPLs5192.0xn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.16%11.42%11.51%11.82%11.02%-13 bps
Total Risk-Based Capital16.13%16.14%15.85%15.83%15.16%-97 bps
Equity / Assets10.25%10.92%11.21%10.67%10.73%+48 bps
Liquidity & Funding
Loans / Deposits75.44%79.97%81.44%78.17%83.03%+760 bps
Liquid Assets / Assets14.77%10.49%10.51%12.44%7.87%-690 bps
CRE / Total Capitaln/a300%301%319%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

First National Bank of Louisiana

Crowley, LA · Cert 4288 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First Natl Bancshares La Inc.

National charter · OCC · 5 branches

Q2 2026

$631.1MAssets
$462.1MLoans
$556.5MDeposits
$67.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
  • Widest gap: tier 1 capital ratio trails 48% of banks under $1B in assets operating in a single state (rank 356 of 746).
  • Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

1.56%

Rank 153 of 746

Net Interest Margin

4.04%

Rank 233 of 746

Efficiency Ratio

55.75%

Rank 189 of 746

Equity / Assets

10.73%

Rank 346 of 746

Non-interest income vs. expense

$2.5M$15.9MINCOMEEXPENSE
Unfavorable gap of $13.4M · efficiency ratio beats 75% of banks under $1B in assets operating in a single state
Bank 55.75%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.56%0.72%1.06%1.45%Beats 79%153 / 746
Return on Equity14.58%6.74%10.51%13.63%Beats 81%145 / 746
Net Interest Margin4.04%3.17%3.68%4.16%Beats 69%233 / 746
Efficiency Ratio55.75%55.74%64.58%75.47%Beats 75%189 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 100%105 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 69%233 / 743
Capital
Tier 1 Capital Ratio14.03%11.55%13.75%17.60%Beats 52%356 / 746
Total Risk-Based Capital Ratio15.16%11.71%14.33%18.43%Beats 57%323 / 746
Equity / Assets10.73%8.90%10.51%13.06%Beats 54%346 / 746
Liquidity & Funding
Loans / Deposits83.03%61.31%78.27%90.78%60th pctl295 / 746
Loans / Assets73.22%53.60%66.97%76.08%67th pctl246 / 746
Brokered Deposits / Depositsn/aNot reported for this institution