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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 $10.7MQ3 2024Q2 2026
Deposit mix
91%Interest-bearing $471.3M9%Noninterest $49.1MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.84%0.84%0.82%0.93%0.99%0.99%0.86%1.03%+10 bps
Return on Equity7.16%7.11%6.79%7.66%8.09%8.07%6.92%8.16%+50 bps
Net Interest Margin3.26%3.24%3.40%3.45%3.53%3.51%3.50%3.66%+21 bps
Efficiency Ratio71.58%71.87%72.10%69.68%68.25%68.16%72.64%68.51%-117 bps
Non-Interest Burden2.19%2.18%2.31%2.25%2.24%2.23%2.40%2.34%+9 bps
Growth
Asset Growth (YoY)1.17%1.57%5.02%4.76%5.24%8.41%4.84%3.11%-165 bps
Loan Growth (YoY)1.89%0.88%1.45%2.73%4.39%2.42%-0.06%-0.27%-300 bps
Deposit Growth (YoY)0.45%1.15%4.56%4.37%4.81%7.71%4.12%2.20%-217 bps
Asset Quality
Nonperforming Loans / Loans0.33%0.50%0.48%1.27%0.46%0.51%1.41%0.75%-52 bps
Net Charge-Offs / Loans0.02%0.01%0.02%0.03%0.02%0.01%0.00%0.00%-3 bps
Allowance / Loans1.26%1.24%1.24%1.23%1.24%1.26%1.30%1.29%+6 bps
Allowance Coverage of NPLs3.8x2.5x2.6x1.0x2.7x2.5x0.9x1.7x+0.8x
Capital
Tier 1 Leverage Ratio12.46%12.40%12.66%12.62%12.83%12.79%12.67%13.10%+48 bps
Total Risk-Based Capital18.56%18.37%18.52%18.63%18.93%19.24%20.28%13.10%-553 bps
Equity / Assets12.08%12.24%11.95%12.26%12.44%12.39%12.40%12.97%+71 bps
Liquidity & Funding
Loans / Deposits93.68%95.99%91.77%93.28%93.31%91.27%88.08%91.02%-226 bps
Liquid Assets / Assets9.06%7.27%11.03%10.55%10.31%12.85%8.20%6.23%-432 bps
CRE / Total Capitaln/an/an/an/a163.69%161.18%147.54%n/an/a