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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

$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