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First Federal Bank of Ohio

Galion, OH · Cert 27643

State savings bank · OCC · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OH3

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 under $1B in assets in OH (n=68 to 71). 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

86

Q2 2024Q2 2026peer median (50)

Asset Quality

43

Q2 2024Q2 2026peer median (50)

Profitability

12

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

8

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 Federal Bank of Ohio

Galion, OH · Cert 27643

State savings bank · OCC · 8 branches

Q2 2026

$282.9MAssets
$120.9MLoans
$231.2MDeposits
$40.8MEquity
Loan mix
94%RE $114.1M0%C&I $0.1M5%Consumer $6.6MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $186.4M19%Noninterest $44.8MQ2 2025Q2 2026

NIM

3.40%Q2 ’243.59%Q2 ’253.74%Q2 ’26+7%+11%

Non-interest income vs. expense

2.71%Q2 ’242.56%Q2 ’252.86%Q2 ’26-7%+17%

Market Position · Mansfield, OH · 2026 SOD (annual) · 3.1% share · #7 of 11 inst. · $0.1B of $2.5B

8.8% Crawford
3.1% Richland
14.9% Morrow
0.2% Erie

Executive Summary

  • Earnings: ROA of 0.35%, up 61 bps year over year; NIM at 2.80%.
  • Asset quality: problem loans at 0.93% of loans (-9 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.68%, up 48 bps from a year ago.
  • Funding: loans stand at 52.29% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.35%+61 bps YoY

Net Interest Margin (YTD, annualized)

2.80%+27 bps YoY

Efficiency Ratio (YTD, annualized)

89.15%+355 bps YoY

Tier 1 Leverage Ratio

13.68%+48 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.26%-0.03%0.06%0.30%0.35%+61 bps
Return on Equity-1.85%-0.22%0.39%2.12%2.45%+431 bps
Net Interest Margin2.54%2.61%2.63%2.73%2.80%+27 bps
Efficiency Ratio85.60%87.14%87.09%90.48%89.15%+355 bps
Non-Interest Burden2.11%2.21%2.23%2.44%2.46%+35 bps
Growth
Asset Growth (YoY)3.79%3.03%-1.88%-1.27%0.09%-371 bps
Loan Growth (YoY)2.85%5.26%2.53%2.29%1.74%-111 bps
Deposit Growth (YoY)4.80%3.77%-2.20%-3.01%-3.17%-797 bps
Asset Quality
Nonperforming Loans / Loans1.02%1.02%1.03%0.93%0.93%-9 bps
Net Charge-Offs / Loans2.67%1.69%1.25%0.00%0.00%-267 bps
Allowance / Loans0.49%0.46%0.47%0.47%0.48%-1 bps
Allowance Coverage of NPLs0.5x0.5x0.5x0.5x0.5x0.0x
Capital
Tier 1 Leverage Ratio13.20%13.58%13.59%13.66%13.68%+48 bps
Total Risk-Based Capital32.48%32.70%32.94%33.12%33.24%+76 bps
Equity / Assets14.08%14.32%14.47%14.32%14.42%+34 bps
Liquidity & Funding
Loans / Deposits49.77%50.59%51.58%51.46%52.29%+252 bps
Liquid Assets / Assets50.68%49.92%49.67%50.31%50.17%-51 bps
CRE / Total Capitaln/a47.78%46.33%45.71%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 Federal Bank of Ohio

Galion, OH · Cert 27643 · Peer group: banks under $1B in assets in OH (n=68-71)

State savings bank · OCC · 8 branches

Q2 2026

$282.9MAssets
$120.9MLoans
$231.2MDeposits
$40.8MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 90% of banks under $1B in assets in OH (rank 7 of 71).
  • Widest gap: efficiency ratio trails 92% of banks under $1B in assets in OH (rank 66 of 71).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.35%

Rank 64 of 71

Net Interest Margin

2.80%

Rank 59 of 71

Efficiency Ratio

89.15%

Rank 66 of 71

Equity / Assets

14.42%

Rank 15 of 71

Non-interest income vs. expense

$1.2M$8.4MINCOMEEXPENSE
Unfavorable gap of $7.2M · efficiency ratio beats 8% of banks under $1B in assets in OH
Bank 89.15%Peer median 70.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.35%0.62%1.02%1.39%Beats 10%64 / 71
Return on Equity2.44%5.62%10.07%13.60%Beats 8%65 / 71
Net Interest Margin2.80%2.93%3.56%4.07%Beats 17%59 / 71
Efficiency Ratio89.15%55.94%70.77%78.80%Beats 8%66 / 71
Asset Quality
Nonperforming Loans / Loans0.93%0.08%0.27%0.97%Beats 26%51 / 68
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 59%30 / 68
Capital
Tier 1 Capital Ratio32.76%11.18%13.77%20.34%Beats 90%7 / 71
Total Risk-Based Capital Ratio33.24%12.08%14.34%21.24%Beats 89%8 / 71
Equity / Assets14.42%8.41%10.74%13.32%Beats 79%15 / 71
Liquidity & Funding
Loans / Deposits52.29%64.48%76.81%87.49%4th pctl65 / 68
Loans / Assets42.74%55.33%65.58%72.51%10th pctl64 / 71
Brokered Deposits / Depositsn/aNot reported for this institution