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First Federal Community Bank, SSB

Paris, TX · Cert 27678 · First Federal Community MHC

SI · FDIC · 4 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 TX3

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 TX (n=208 to 211). 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

52

Q2 2024Q2 2026peer median (50)

Asset Quality

46

Q2 2024Q2 2026peer median (50)

Profitability

36

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

35

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 Community Bank, SSB

Paris, TX · Cert 27678 · First Federal Community MHC

SI · FDIC · 4 branches

Q2 2026

$603.6MAssets
$473.6MLoans
$520.4MDeposits
$78.3MEquity
Loan mix
87%RE $384.3M10%C&I $45.0M2%Consumer $10.7MQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $471.3M9%Noninterest $49.1MQ2 2025Q2 2026

NIM

5.21%Q2 ’245.34%Q2 ’255.42%Q2 ’26+6%+6%

Non-interest income vs. expense

2.72%Q2 ’242.77%Q2 ’252.88%Q2 ’26+2%+4%

Executive Summary

  • Earnings: ROA of 1.03%, up 10 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 0.75% of loans (-52 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.10%, up 48 bps from a year ago.
  • Funding: loans stand at 91.02% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.03%+10 bps YoY

Net Interest Margin (YTD, annualized)

3.66%+21 bps YoY

Efficiency Ratio (YTD, annualized)

68.51%-117 bps YoY

Tier 1 Leverage Ratio

13.10%+48 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.93%0.99%0.99%0.86%1.03%+10 bps
Return on Equity7.66%8.09%8.07%6.92%8.16%+50 bps
Net Interest Margin3.45%3.53%3.51%3.50%3.66%+21 bps
Efficiency Ratio69.68%68.25%68.16%72.64%68.51%-117 bps
Non-Interest Burden2.25%2.24%2.23%2.40%2.34%+9 bps
Growth
Asset Growth (YoY)4.76%5.24%8.41%4.84%3.11%-165 bps
Loan Growth (YoY)2.73%4.39%2.42%-0.06%-0.27%-300 bps
Deposit Growth (YoY)4.37%4.81%7.71%4.12%2.20%-217 bps
Asset Quality
Nonperforming Loans / Loans1.27%0.46%0.51%1.41%0.75%-52 bps
Net Charge-Offs / Loans0.03%0.02%0.01%0.00%0.00%-3 bps
Allowance / Loans1.23%1.24%1.26%1.30%1.29%+6 bps
Allowance Coverage of NPLs1.0x2.7x2.5x0.9x1.7x+0.8x
Capital
Tier 1 Leverage Ratio12.62%12.83%12.79%12.67%13.10%+48 bps
Total Risk-Based Capital18.63%18.93%19.24%20.28%13.10%-553 bps
Equity / Assets12.26%12.44%12.39%12.40%12.97%+71 bps
Liquidity & Funding
Loans / Deposits93.28%93.31%91.27%88.08%91.02%-226 bps
Liquid Assets / Assets10.55%10.31%12.85%8.20%6.23%-432 bps
CRE / Total Capitaln/a163.69%161.18%147.54%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 Community Bank, SSB

Paris, TX · Cert 27678 · Peer group: banks under $1B in assets in TX (n=208-211) · First Federal Community MHC

SI · FDIC · 4 branches

Q2 2026

$603.6MAssets
$473.6MLoans
$520.4MDeposits
$78.3MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 75% of banks under $1B in assets in TX (rank 52 of 211).
  • Widest gap: return on equity trails 73% of banks under $1B in assets in TX (rank 153 of 211).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.04%

Rank 128 of 211

Net Interest Margin

3.66%

Rank 120 of 211

Efficiency Ratio

68.51%

Rank 138 of 211

Equity / Assets

12.97%

Rank 52 of 211

Non-interest income vs. expense

$3.3M$17.5MINCOMEEXPENSE
Unfavorable gap of $14.2M · efficiency ratio beats 35% of banks under $1B in assets in TX
Bank 68.51%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.04%0.87%1.20%1.65%Beats 39%128 / 211
Return on Equity7.99%7.52%11.67%14.58%Beats 27%153 / 211
Net Interest Margin3.66%3.28%3.82%4.31%Beats 43%120 / 211
Efficiency Ratio68.51%53.01%64.18%73.65%Beats 35%138 / 211
Asset Quality
Nonperforming Loans / Loans0.75%0.01%0.30%1.10%Beats 33%141 / 208
Net Charge-Offs / Loans0.01%0.00%0.01%0.06%Beats 59%87 / 208
Capital
Tier 1 Capital Ratio13.10%11.72%14.45%19.57%Beats 41%124 / 211
Total Risk-Based Capital Ratio13.10%11.94%14.78%20.30%Beats 40%127 / 211
Equity / Assets12.97%9.41%11.06%12.94%Beats 75%52 / 211
Liquidity & Funding
Loans / Deposits91.02%45.39%66.56%82.03%91st pctl19 / 208
Loans / Assets78.46%39.13%56.90%70.46%91st pctl18 / 211
Brokered Deposits / Depositsn/aNot reported for this institution