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First American Bank and Trust

Vacherie, LA · Cert 8149 · One American Corp.

State charter, non-member · FDIC · 25 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

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 $1B-$10B in assets (n=322 to 328). 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

87

Q2 2024Q2 2026peer median (50)

Asset Quality

18

Q2 2024Q2 2026peer median (50)

Profitability

45

Q2 2024Q2 2026peer median (50)

Liquidity

25

Q2 2024Q2 2026peer median

Efficiency

24

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 American Bank and Trust

Vacherie, LA · Cert 8149 · One American Corp.

State charter, non-member · FDIC · 25 branches

Q2 2026

$1.4BAssets
$853.4MLoans
$1.2BDeposits
$162.1MEquity
Loan mix
94%RE $804.3M4%C&I $36.8M1%Consumer $11.2MQ2 2025Q2 2026
Deposit mix
61%Interest-bearing $742.5M39%Noninterest $466.9MQ2 2025Q2 2026

NIM

4.37%Q2 ’244.40%Q2 ’254.50%Q2 ’26+17%+9%

Non-interest income vs. expense

2.50%Q2 ’242.55%Q2 ’252.89%Q2 ’26+8%+13%

Market Position · New Orleans-Metairie, LA · 2026 SOD (annual) · 2.3% share · #7 of 32 inst. · $0.8B of $36.0B

78.8% St. James
30.8% St. Charles
6.1% Lafourche
0.9% Jefferson

Executive Summary

  • Earnings: ROA of 1.11%, up 3 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 1.28% of loans (+7 bps YoY), with net charge-offs at 0.32%.
  • Capital: tier 1 leverage ratio of 13.81%, up 44 bps from a year ago.
  • Funding: loans stand at 70.56% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.11%+3 bps YoY

Net Interest Margin (YTD, annualized)

3.63%+30 bps YoY

Efficiency Ratio (YTD, annualized)

68.04%+212 bps YoY

Tier 1 Leverage Ratio

13.81%+44 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.08%1.13%1.15%0.96%1.11%+3 bps
Return on Equity10.52%10.69%10.66%8.30%9.59%-93 bps
Net Interest Margin3.33%3.48%3.53%3.56%3.63%+30 bps
Efficiency Ratio65.93%65.45%65.20%72.58%68.04%+212 bps
Non-Interest Burden2.02%2.09%2.11%2.39%2.28%+26 bps
Growth
Asset Growth (YoY)0.31%-1.16%-0.47%1.53%3.04%+273 bps
Loan Growth (YoY)1.23%1.48%1.77%1.95%0.89%-35 bps
Deposit Growth (YoY)0.13%-1.11%-2.63%0.28%2.04%+191 bps
Asset Quality
Nonperforming Loans / Loans1.21%0.69%0.89%1.21%1.28%+7 bps
Net Charge-Offs / Loans0.09%0.07%0.06%-0.01%0.32%+23 bps
Allowance / Loans1.65%1.62%1.62%1.61%1.45%-20 bps
Allowance Coverage of NPLs1.4x2.4x1.8x1.3x1.1x-0.2x
Capital
Tier 1 Leverage Ratio13.37%13.83%14.06%13.59%13.81%+44 bps
Total Risk-Based Capital25.11%25.79%26.57%26.07%26.00%+89 bps
Equity / Assets10.86%11.57%11.74%11.41%11.73%+87 bps
Liquidity & Funding
Loans / Deposits71.37%73.40%71.00%70.01%70.56%-81 bps
Liquid Assets / Assets4.13%3.49%7.46%9.38%9.02%+489 bps
CRE / Total Capitaln/a164.30%162.62%168.93%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 American Bank and Trust

Vacherie, LA · Cert 8149 · Peer group: banks $1B-$10B in assets (n=322-328) · One American Corp.

State charter, non-member · FDIC · 25 branches

Q2 2026

$1.4BAssets
$853.4MLoans
$1.2BDeposits
$162.1MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 95% of banks $1B-$10B in assets (rank 17 of 328).
  • Widest gap: net charge-offs / loans trails 84% of banks $1B-$10B in assets (rank 270 of 322).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.11%

Rank 199 of 328

Net Interest Margin

3.63%

Rank 116 of 328

Efficiency Ratio

68.04%

Rank 251 of 328

Equity / Assets

11.73%

Rank 93 of 328

Non-interest income vs. expense

$8.6M$40.4MINCOMEEXPENSE
Unfavorable gap of $31.9M · efficiency ratio beats 24% of banks $1B-$10B in assets
Bank 68.04%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.11%0.91%1.22%1.52%Beats 39%199 / 328
Return on Equity9.47%8.43%11.45%14.43%Beats 31%226 / 328
Net Interest Margin3.63%3.03%3.45%3.83%Beats 65%116 / 328
Efficiency Ratio68.04%51.61%59.56%67.53%Beats 24%251 / 328
Asset Quality
Nonperforming Loans / Loans1.28%0.24%0.51%1.03%Beats 20%259 / 322
Net Charge-Offs / Loans0.18%0.01%0.03%0.10%Beats 16%270 / 322
Capital
Tier 1 Capital Ratio24.75%11.75%13.15%15.47%Beats 95%17 / 328
Total Risk-Based Capital Ratio26.00%12.63%14.15%16.46%Beats 95%17 / 328
Equity / Assets11.73%9.15%10.33%12.01%Beats 72%93 / 328
Liquidity & Funding
Loans / Deposits70.56%76.63%87.92%95.36%16th pctl271 / 323
Loans / Assets61.77%65.18%74.15%79.98%20th pctl261 / 328
Brokered Deposits / Depositsn/aNot reported for this institution