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First State Bank

Eastpointe, MI · Cert 15032 · First State Financial Corp.

State charter, Fed member · FED · 11 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

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 operating in a single state (n=257 to 258). 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

18

Q2 2024Q2 2026peer median (50)

Asset Quality

26

Q2 2024Q2 2026peer median (50)

Profitability

52

Q2 2024Q2 2026peer median (50)

Liquidity

97

Q2 2024Q2 2026peer median

Efficiency

39

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 State Bank

Eastpointe, MI · Cert 15032 · First State Financial Corp.

State charter, Fed member · FED · 11 branches

Q2 2026

$1.3BAssets
$1.1BLoans
$1.2BDeposits
$130.8MEquity
Loan mix
86%RE $832.8M14%C&I $137.2M0%Consumer $2.6MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $1.0B16%Noninterest $0.2BQ2 2025Q2 2026

NIM

4.96%Q2 ’245.23%Q2 ’255.36%Q2 ’26+6%+8%

Non-interest income vs. expense

2.50%Q2 ’242.69%Q2 ’252.72%Q2 ’26+9%0%

Market Position · Detroit-Warren-Dearborn, MI · 2026 SOD (annual) · 0.7% share · #10 of 37 inst. · $1.2B of $183.9B

5.6% Macomb
0.0% Oakland

Executive Summary

  • Earnings: ROA of 1.24%, up 17 bps year over year; NIM at 3.48%.
  • Asset quality: problem loans at 0.81% of loans (+36 bps YoY), with net charge-offs at 0.12%.
  • Capital: tier 1 leverage ratio of 10.01%, up 51 bps from a year ago.
  • Funding: loans stand at 86.88% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.24%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.48%+27 bps YoY

Efficiency Ratio (YTD, annualized)

62.82%-403 bps YoY

Tier 1 Leverage Ratio

10.01%+51 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.07%1.15%1.16%1.20%1.24%+17 bps
Return on Equity12.17%13.02%12.94%12.74%12.96%+78 bps
Net Interest Margin3.21%3.24%3.27%3.41%3.48%+27 bps
Efficiency Ratio66.85%65.20%65.35%63.13%62.82%-403 bps
Non-Interest Burden1.87%1.83%1.86%1.86%1.87%-1 bps
Growth
Asset Growth (YoY)5.27%5.42%5.67%1.84%4.58%-69 bps
Loan Growth (YoY)9.76%11.29%19.70%23.10%15.92%+616 bps
Deposit Growth (YoY)8.30%4.92%4.90%0.85%3.93%-438 bps
Asset Quality
Nonperforming Loans / Loans0.45%0.58%0.81%0.81%0.81%+36 bps
Net Charge-Offs / Loans0.01%0.02%0.02%0.13%0.12%+12 bps
Allowance / Loans1.46%1.36%1.36%1.33%1.29%-18 bps
Allowance Coverage of NPLs3.3x2.3x1.7x1.7x1.6x-1.7x
Capital
Tier 1 Leverage Ratio9.50%9.47%9.55%9.77%10.01%+51 bps
Total Risk-Based Capital9.50%9.47%9.55%9.77%10.01%+51 bps
Equity / Assets9.05%9.11%9.46%9.45%9.69%+64 bps
Liquidity & Funding
Loans / Deposits77.90%80.86%85.15%83.99%86.88%+899 bps
Liquid Assets / Assets7.41%6.88%4.53%6.40%5.21%-220 bps
CRE / Total Capitaln/a344%350%349%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 State Bank

Eastpointe, MI · Cert 15032 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · First State Financial Corp.

State charter, Fed member · FED · 11 branches

Q2 2026

$1.3BAssets
$1.1BLoans
$1.2BDeposits
$130.8MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 58% of banks $1B-$10B in assets operating in a single state (rank 108 of 258).
  • Widest gap: total risk-based capital ratio trails 93% of banks $1B-$10B in assets operating in a single state (rank 239 of 258).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

1.23%

Rank 132 of 258

Net Interest Margin

3.48%

Rank 131 of 258

Efficiency Ratio

62.82%

Rank 158 of 257

Equity / Assets

9.69%

Rank 156 of 258

Non-interest income vs. expense

$11.5M$36.6MINCOMEEXPENSE
Unfavorable gap of $25.1M · efficiency ratio beats 39% of banks $1B-$10B in assets operating in a single state
Bank 62.82%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.23%0.93%1.23%1.54%Beats 49%132 / 258
Return on Equity12.64%9.26%11.84%14.74%Beats 58%108 / 258
Net Interest Margin3.48%3.16%3.49%3.88%Beats 49%131 / 258
Efficiency Ratio62.82%51.71%60.30%69.65%Beats 39%158 / 257
Asset Quality
Nonperforming Loans / Loans0.81%0.19%0.46%0.90%Beats 28%187 / 258
Net Charge-Offs / Loans0.07%0.01%0.02%0.07%Beats 24%197 / 258
Capital
Tier 1 Capital Ratio10.01%11.41%12.98%15.12%Beats 7%239 / 258
Total Risk-Based Capital Ratio10.01%12.10%13.91%16.08%Beats 7%239 / 258
Equity / Assets9.69%9.09%10.24%11.72%Beats 40%156 / 258
Liquidity & Funding
Loans / Deposits86.88%73.24%86.34%95.95%53rd pctl122 / 258
Loans / Assets78.20%63.01%72.27%78.40%73rd pctl70 / 258
Brokered Deposits / Depositsn/aNot reported for this institution