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Fall River Five Cents Savings Bank

Fall River, MA · Cert 23286 · Bankfive MHC

State charter, Fed member · FED · 13 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 regionally3

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 regionally (n=176). 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

23

Q2 2024Q2 2026peer median (50)

Asset Quality

65

Q2 2024Q2 2026peer median (50)

Profitability

4

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

4

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

Fall River Five Cents Savings Bank

Fall River, MA · Cert 23286 · Bankfive MHC

State charter, Fed member · FED · 13 branches

Q2 2026

$1.9BAssets
$1.4BLoans
$1.4BDeposits
$138.0MEquity
Loan mix
91%RE $1.3B8%C&I $0.1B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $1.1B20%Noninterest $0.3BQ2 2025Q2 2026

NIM

4.40%Q2 ’244.40%Q2 ’254.45%Q2 ’26+3%+17%

Non-interest income vs. expense

2.23%Q2 ’242.38%Q2 ’252.43%Q2 ’26+12%+14%

Market Position · Providence-Warwick, RI-MA · 2026 SOD (annual) · 2.2% share · #12 of 22 inst. · $1.4B of $61.9B

8.2% Bristol
0.1% Kent

Executive Summary

  • Earnings: ROA of 0.39%, up 11 bps year over year; NIM at 2.39%.
  • Asset quality: problem loans at 0.73% of loans (+33 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 8.70%, up 16 bps from a year ago.
  • Funding: loans stand at 105.20% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.39%+11 bps YoY

Net Interest Margin (YTD, annualized)

2.39%+35 bps YoY

Efficiency Ratio (YTD, annualized)

83.45%-292 bps YoY

Tier 1 Leverage Ratio

8.70%+16 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.28%0.31%0.30%0.29%0.39%+11 bps
Return on Equity4.18%4.53%4.43%4.06%5.38%+120 bps
Net Interest Margin2.04%2.08%2.07%2.28%2.39%+35 bps
Efficiency Ratio86.38%86.45%84.21%87.87%83.45%-292 bps
Non-Interest Burden1.66%1.70%1.64%1.93%1.90%+24 bps
Growth
Asset Growth (YoY)0.81%0.69%0.79%0.49%-0.98%-179 bps
Loan Growth (YoY)1.79%1.39%0.34%-1.47%-2.02%-381 bps
Deposit Growth (YoY)2.49%1.82%1.02%0.67%2.21%-28 bps
Asset Quality
Nonperforming Loans / Loans0.39%0.37%0.65%0.66%0.73%+33 bps
Net Charge-Offs / Loans0.02%0.01%0.03%0.01%-0.02%-5 bps
Allowance / Loans0.64%0.61%0.67%0.68%0.68%+4 bps
Allowance Coverage of NPLs1.6x1.6x1.0x1.0x0.9x-0.7x
Capital
Tier 1 Leverage Ratio8.55%8.61%8.36%8.47%8.70%+16 bps
Total Risk-Based Capital11.55%11.84%12.11%12.45%12.38%+83 bps
Equity / Assets6.84%7.10%7.14%7.12%7.43%+59 bps
Liquidity & Funding
Loans / Deposits109.74%108.64%106.76%104.35%105.20%-454 bps
Liquid Assets / Assets2.57%3.84%4.66%6.36%3.26%+69 bps
CRE / Total Capitaln/a376%369%363%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

Fall River Five Cents Savings Bank

Fall River, MA · Cert 23286 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Bankfive MHC

State charter, Fed member · FED · 13 branches

Q2 2026

$1.9BAssets
$1.4BLoans
$1.4BDeposits
$138.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 85% of banks $1B-$10B in assets operating regionally (rank 28 of 176).
  • Widest gap: net interest margin trails 98% of banks $1B-$10B in assets operating regionally (rank 173 of 176).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.39%

Rank 169 of 176

Net Interest Margin

2.39%

Rank 173 of 176

Efficiency Ratio

83.45%

Rank 170 of 176

Equity / Assets

7.43%

Rank 166 of 176

Non-interest income vs. expense

$10.1M$45.8MINCOMEEXPENSE
Unfavorable gap of $35.8M · efficiency ratio beats 4% of banks $1B-$10B in assets operating regionally
Bank 83.45%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.39%0.93%1.26%1.54%Beats 4%169 / 176
Return on Equity5.30%9.26%11.89%14.46%Beats 6%165 / 176
Net Interest Margin2.39%3.25%3.59%3.93%Beats 2%173 / 176
Efficiency Ratio83.45%52.79%59.55%67.66%Beats 4%170 / 176
Asset Quality
Nonperforming Loans / Loans0.73%0.30%0.64%1.32%Beats 44%99 / 176
Net Charge-Offs / Loans0.00%0.01%0.04%0.10%Beats 85%28 / 176
Capital
Tier 1 Capital Ratio11.61%11.15%12.72%14.15%Beats 32%119 / 176
Total Risk-Based Capital Ratio12.38%11.81%13.63%15.33%Beats 32%120 / 176
Equity / Assets7.43%9.16%10.35%11.80%Beats 6%166 / 176
Liquidity & Funding
Loans / Deposits105.20%80.94%89.73%97.21%95th pctl9 / 176
Loans / Assets78.04%69.25%75.12%80.82%63rd pctl65 / 176
Brokered Deposits / Depositsn/aNot reported for this institution