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Letter portraitLegal landscapeQuarterYTD

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 $4.9MQ3 2024Q2 2026
Deposit mix
60%Interest-bearing $332.0M40%Noninterest $224.5MQ3 2024Q2 2026

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 1.65%, down 15 bps year over year; NIM at 4.22%.
  • 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.

Return on Assets (quarter, annualized)

1.65%-15 bps YoY

Net Interest Margin (quarter, annualized)

4.22%+3 bps YoY

Efficiency Ratio (quarter, annualized)

55.26%+459 bps YoY

Tier 1 Leverage Ratio

11.02%-13 bps YoY

NIM

5.24%Q2 ’245.42%Q2 ’255.47%Q2 ’26+6%+1%

Non-interest income vs. expense

2.76%Q2 ’242.36%Q2 ’252.56%Q2 ’26-17%+13%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.65%1.48%2.57%1.80%1.75%1.69%1.53%1.65%-15 bps
Return on Equity15.27%14.91%25.37%17.26%16.51%15.25%14.03%15.46%-180 bps
Net Interest Margin4.10%4.07%4.01%4.20%4.28%4.22%4.18%4.22%+3 bps
Efficiency Ratio52.03%58.31%55.23%50.67%51.87%52.27%56.29%55.26%+459 bps
Non-Interest Burden1.91%2.16%2.02%1.90%2.00%2.00%2.17%2.15%+25 bps
Growth
Asset Growth (YoY)0.09%-1.08%1.47%5.44%7.73%5.74%13.62%7.50%+206 bps
Loan Growth (YoY)6.65%3.23%2.99%3.72%7.02%9.06%12.56%17.60%+1,388 bps
Deposit Growth (YoY)0.32%-0.07%1.75%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.00%0.00%-0.01%0.00%0.00%0.00%0.00%+1 bps
Allowance / Loans1.28%1.29%1.31%1.32%1.31%1.31%1.28%1.22%-11 bps
Allowance Coverage of NPLsn/an/an/a5192.0xn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.95%10.80%11.29%11.16%11.42%11.51%11.82%11.02%-13 bps
Total Risk-Based Capital16.08%15.94%16.54%16.13%16.14%15.85%15.83%15.16%-97 bps
Equity / Assets10.27%9.64%10.61%10.25%10.92%11.21%10.67%10.73%+48 bps
Liquidity & Funding
Loans / Deposits79.77%77.27%79.09%75.44%79.97%81.44%78.17%83.03%+760 bps
Liquid Assets / Assets8.62%12.16%9.75%14.77%10.49%10.51%12.44%7.87%-690 bps
CRE / Total Capitaln/an/an/an/a300%301%319%n/an/a