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Letter portraitLegal landscapeQuarterYTD

First National Bank of Jeanerette, The

Jeanerette, LA · Cert 4290 · Jeanerette 1st Natl Bcorp Inc.

National charter · OCC · 10 branches

Q2 2026

$646.5MAssets
$549.1MLoans
$577.8MDeposits
$62.1MEquity
Loan mix
83%RE $431.2M14%C&I $74.7M2%Consumer $12.3MQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $446.2M23%Noninterest $131.6MQ3 2024Q2 2026

Market Position · Lafayette, LA · 2026 SOD (annual) · 0.9% share · #20 of 41 inst. · $0.1B of $12.2B

15.0% Iberia
14.5% St. Mary
1.2% Lafayette

Executive Summary

  • Earnings: ROA of 1.68%, down 25 bps year over year; NIM at 4.55%.
  • Asset quality: problem loans at 0.23% of loans (-37 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 9.96%, down 3 bps from a year ago.
  • Funding: loans stand at 95.04% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.68%-25 bps YoY

Net Interest Margin (YTD, annualized)

4.55%-9 bps YoY

Efficiency Ratio (YTD, annualized)

53.05%+512 bps YoY

Tier 1 Leverage Ratio

9.96%-3 bps YoY

NIM

6.00%Q2 ’246.25%Q2 ’256.28%Q2 ’26+5%-2%

Non-interest income vs. expense

2.51%Q2 ’242.47%Q2 ’252.52%Q2 ’26+6%+18%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.79%1.77%1.72%1.93%1.96%1.93%1.73%1.68%-25 bps
Return on Equity19.16%19.03%18.38%20.83%21.11%20.78%18.54%17.86%-297 bps
Net Interest Margin4.41%4.24%4.69%4.64%4.50%4.41%4.50%4.55%-9 bps
Efficiency Ratio50.70%51.70%51.94%47.93%47.60%48.85%52.59%53.05%+512 bps
Non-Interest Burden1.96%1.93%2.27%1.96%1.88%1.90%2.33%2.31%+36 bps
Growth
Asset Growth (YoY)8.72%8.75%10.97%27.17%19.27%20.30%17.19%10.58%-1,659 bps
Loan Growth (YoY)20.25%24.55%20.93%29.25%22.26%18.21%18.26%12.98%-1,627 bps
Deposit Growth (YoY)10.92%16.15%18.79%27.20%25.06%20.49%17.34%13.72%-1,348 bps
Asset Quality
Nonperforming Loans / Loans0.80%0.32%0.19%0.60%0.30%0.14%0.18%0.23%-37 bps
Net Charge-Offs / Loans0.03%0.09%-0.01%0.00%0.02%0.01%0.00%0.04%+4 bps
Allowance / Loans1.67%1.55%1.51%1.46%1.49%1.56%1.51%1.49%+4 bps
Allowance Coverage of NPLs2.1x4.9x7.9x2.4x5.1x11.4x8.6x6.6x+4.2x
Capital
Tier 1 Leverage Ratio10.43%9.93%9.96%9.99%9.73%9.60%9.56%9.96%-3 bps
Total Risk-Based Capital13.87%13.61%13.10%12.84%12.97%13.40%13.00%13.31%+46 bps
Equity / Assets9.62%9.30%9.37%9.15%9.36%9.20%9.41%9.61%+46 bps
Liquidity & Funding
Loans / Deposits94.41%89.57%92.14%95.65%92.29%87.88%92.86%95.04%-61 bps
Liquid Assets / Assets3.15%4.27%2.78%4.16%2.01%7.89%1.79%0.95%-321 bps
CRE / Total Capitaln/an/an/an/a418%402%427%n/an/a