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Huntington Federal Savings Bank

Huntington, WV · Cert 27884

State savings bank · OCC · 5 branches

Q2 2026

$532.3MAssets
$291.3MLoans
$422.4MDeposits
$83.2MEquity
Loan mix
100%RE $292.0M0%C&I $0.0M0%Consumer $1.3MQ2 2025Q2 2026
Deposit mix
97%Interest-bearing $407.7M3%Noninterest $14.7MQ2 2025Q2 2026

NIM

3.17%Q2 ’243.32%Q2 ’253.60%Q2 ’26+22%+40%

Non-interest income vs. expense

1.82%Q2 ’241.88%Q2 ’252.05%Q2 ’26+4%+7%

Market Position · Huntington-Ashland, WV-KY-OH · 2026 SOD (annual) · 5.3% share · #7 of 26 inst. · $0.4B of $8.0B

12.0% Cabell
9.9% Wayne
1.9% Putnam

Executive Summary

  • Earnings: ROA of -0.38%, up 22 bps year over year; NIM at 1.45%.
  • Asset quality: problem loans at 0.29% of loans (-20 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 15.07%, down 8 bps from a year ago.
  • Funding: loans stand at 68.95% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.38%+22 bps YoY

Net Interest Margin (YTD, annualized)

1.45%+41 bps YoY

Efficiency Ratio (YTD, annualized)

134.83%-3,977 bps YoY

Tier 1 Leverage Ratio

15.07%-8 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.60%-0.61%-0.57%-0.46%-0.38%+22 bps
Return on Equity-3.82%-3.96%-3.67%-2.96%-2.47%+136 bps
Net Interest Margin1.04%1.08%1.11%1.43%1.45%+41 bps
Efficiency Ratio174.60%173.52%167.87%142.95%134.83%-3,977 bps
Non-Interest Burden1.84%1.90%1.89%2.03%1.97%+14 bps
Growth
Asset Growth (YoY)-0.62%0.89%1.70%-2.89%-4.37%-375 bps
Loan Growth (YoY)3.36%2.71%2.30%4.38%1.93%-143 bps
Deposit Growth (YoY)0.42%4.03%4.52%-1.25%-1.91%-234 bps
Asset Quality
Nonperforming Loans / Loans0.50%0.43%0.33%0.21%0.29%-20 bps
Net Charge-Offs / Loans-0.07%-0.04%-0.03%0.00%0.02%+9 bps
Allowance / Loans0.84%0.83%0.83%0.82%0.81%-3 bps
Allowance Coverage of NPLs1.7x2.0x2.5x3.9x2.8x+1.1x
Capital
Tier 1 Leverage Ratio15.16%14.93%14.80%14.96%15.07%-8 bps
Total Risk-Based Capital15.16%14.93%14.80%14.96%15.07%-8 bps
Equity / Assets15.35%15.19%15.24%15.53%15.64%+29 bps
Liquidity & Funding
Loans / Deposits66.35%66.58%66.49%69.08%68.95%+260 bps
Liquid Assets / Assets44.59%44.52%43.97%41.21%41.21%-338 bps
CRE / Total Capitaln/a53.93%53.65%57.61%n/an/a