Oxford, MS · Cert 5005 · First National Holding Co.
State charter, Fed member · FED · 7 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.89% | 0.79% | 0.90% | 0.82% | 0.83% | -6 bps | |
| Return on Equity | 7.97% | 6.92% | 7.94% | 7.36% | 7.45% | -52 bps | |
| Net Interest Margin | 2.88% | 2.81% | 2.93% | 2.71% | 2.81% | -6 bps | |
| Efficiency Ratio | 58.74% | 59.73% | 59.70% | 67.21% | 62.95% | +420 bps | |
| Non-Interest Burden | 1.62% | 1.60% | 1.67% | 1.85% | 1.70% | +8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.22% | 8.47% | 11.45% | 7.98% | 12.65% | +443 bps | |
| Loan Growth (YoY) | 35.32% | 24.33% | 20.27% | 17.15% | 14.38% | -2,095 bps | |
| Deposit Growth (YoY) | 8.92% | 9.98% | 10.84% | 9.52% | 11.72% | +281 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.16% | 0.13% | 0.16% | 0.15% | 0.13% | -3 bps | |
| Net Charge-Offs / Loans | 0.35% | 0.13% | -0.02% | 0.01% | 0.03% | -31 bps | |
| Allowance / Loans | 1.00% | 1.07% | 1.06% | 1.04% | 1.04% | +4 bps | |
| Allowance Coverage of NPLs | 6.2x | 8.5x | 6.8x | 7.0x | 8.2x | +2.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.00% | 12.19% | 12.15% | 11.53% | 11.87% | -12 bps | |
| Total Risk-Based Capital | 12.00% | 12.19% | 12.15% | 11.53% | 11.87% | -12 bps | |
| Equity / Assets | 11.46% | 11.46% | 11.25% | 11.06% | 11.22% | -24 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 66.10% | 62.72% | 62.69% | 65.10% | 67.67% | +157 bps | |
| Liquid Assets / Assets | 1.08% | 2.56% | 4.03% | 1.90% | 3.38% | +230 bps | |
| CRE / Total Capital | n/a | 260% | 273% | 298% | n/a | n/a | |