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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 1.57% | 0.69% | 0.89% | 0.79% | 0.90% | 0.82% | 0.83% | -6 bps | |
| Return on Equity | 6.75% | 14.13% | 6.31% | 7.97% | 6.92% | 7.94% | 7.36% | 7.45% | -52 bps | |
| Net Interest Margin | 2.64% | 2.78% | 2.76% | 2.88% | 2.81% | 2.93% | 2.71% | 2.81% | -6 bps | |
| Efficiency Ratio | 62.63% | 41.94% | 57.15% | 58.74% | 59.73% | 59.70% | 67.21% | 62.95% | +420 bps | |
| Non-Interest Burden | 1.58% | 0.22% | 1.50% | 1.62% | 1.60% | 1.67% | 1.85% | 1.70% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.21% | 19.89% | 10.73% | 8.22% | 8.47% | 11.45% | 7.98% | 12.65% | +443 bps | |
| Loan Growth (YoY) | 14.51% | 22.43% | 22.87% | 35.32% | 24.33% | 20.27% | 17.15% | 14.38% | -2,095 bps | |
| Deposit Growth (YoY) | 23.28% | 25.60% | 11.58% | 8.92% | 9.98% | 10.84% | 9.52% | 11.72% | +281 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.17% | 0.34% | 0.16% | 0.13% | 0.16% | 0.15% | 0.13% | -3 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.11% | 0.04% | 0.35% | 0.13% | -0.02% | 0.01% | 0.03% | -31 bps | |
| Allowance / Loans | 0.97% | 0.97% | 1.01% | 1.00% | 1.07% | 1.06% | 1.04% | 1.04% | +4 bps | |
| Allowance Coverage of NPLs | 209.8x | 5.7x | 3.0x | 6.2x | 8.5x | 6.8x | 7.0x | 8.2x | +2.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.26% | 12.37% | 11.84% | 12.00% | 12.19% | 12.15% | 11.53% | 11.87% | -12 bps | |
| Total Risk-Based Capital | 12.26% | 12.37% | 11.84% | 12.00% | 12.19% | 12.15% | 11.53% | 11.87% | -12 bps | |
| Equity / Assets | 11.28% | 10.99% | 10.84% | 11.46% | 11.46% | 11.25% | 11.06% | 11.22% | -24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 55.48% | 57.78% | 60.86% | 66.10% | 62.72% | 62.69% | 65.10% | 67.67% | +157 bps | |
| Liquid Assets / Assets | 2.89% | 1.36% | 0.43% | 1.08% | 2.56% | 4.03% | 1.90% | 3.38% | +230 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 260% | 273% | 298% | n/a | n/a | |