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Greenville Federal

Greenville, OH · Cert 27965 · Greenville Federal MHC

State savings bank · OCC · 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 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

21

Q2 2024Q2 2026peer median (50)

Asset Quality

41

Q2 2024Q2 2026peer median (50)

Profitability

13

Q2 2024Q2 2026peer median (50)

Liquidity

51

Q2 2024Q2 2026peer median

Efficiency

7

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

Greenville Federal

Greenville, OH · Cert 27965 · Greenville Federal MHC

State savings bank · OCC · 4 branches

Q2 2026

$263.9MAssets
$210.7MLoans
$240.8MDeposits
$20.7MEquity
Loan mix
85%RE $183.0M14%C&I $30.1M1%Consumer $1.5MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $201.3M16%Noninterest $39.5MQ2 2025Q2 2026

NIM

4.13%Q2 ’244.56%Q2 ’254.68%Q2 ’26+14%+6%

Non-interest income vs. expense

3.49%Q2 ’243.45%Q2 ’253.36%Q2 ’26-2%-1%

Market Position · Dayton-Kettering-Beavercreek, OH · 2026 SOD (annual) · 0.3% share · #21 of 26 inst. · $0.1B of $16.3B

11.0% Darke
2.3% Miami

Executive Summary

  • Earnings: ROA of 0.18%, up 24 bps year over year; NIM at 3.01%.
  • Asset quality: problem loans at 0.09% of loans (-36 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 7.80%, unchanged from a year ago.
  • Funding: loans stand at 87.49% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.18%+24 bps YoY

Net Interest Margin (YTD, annualized)

3.01%+18 bps YoY

Efficiency Ratio (YTD, annualized)

94.22%-628 bps YoY

Tier 1 Leverage Ratio

7.80%0 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.05%0.00%0.05%0.16%0.18%+24 bps
Return on Equity-0.70%0.00%0.66%2.09%2.40%+309 bps
Net Interest Margin2.83%2.84%2.84%3.03%3.01%+18 bps
Efficiency Ratio100.50%98.53%97.12%94.51%94.22%-628 bps
Non-Interest Burden2.84%2.79%2.75%2.83%2.80%-4 bps
Growth
Asset Growth (YoY)6.76%5.68%4.58%2.87%0.91%-585 bps
Loan Growth (YoY)11.16%8.69%6.35%3.45%-2.04%-1,320 bps
Deposit Growth (YoY)4.85%3.22%4.79%3.11%3.18%-167 bps
Asset Quality
Nonperforming Loans / Loans0.46%0.06%0.08%0.08%0.09%-36 bps
Net Charge-Offs / Loans0.02%0.04%0.04%0.01%0.01%-1 bps
Allowance / Loans0.79%0.78%0.77%0.79%0.81%+1 bps
Allowance Coverage of NPLs1.7x14.0x9.7x10.2x8.5x+6.8x
Capital
Tier 1 Leverage Ratio7.80%7.71%7.68%7.74%7.80%0 bps
Total Risk-Based Capital11.42%11.43%11.46%11.53%12.08%+66 bps
Equity / Assets7.64%7.58%7.53%7.75%7.84%+19 bps
Liquidity & Funding
Loans / Deposits92.15%93.51%91.71%90.43%87.49%-466 bps
Liquid Assets / Assets10.55%9.82%9.62%10.05%12.39%+184 bps
CRE / Total Capitaln/a244%246%238%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

Greenville Federal

Greenville, OH · Cert 27965 · Peer group: banks under $1B in assets in OH (n=68-71) · Greenville Federal MHC

State savings bank · OCC · 4 branches

Q2 2026

$263.9MAssets
$210.7MLoans
$240.8MDeposits
$20.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 72% of banks under $1B in assets in OH (rank 20 of 68).
  • Widest gap: efficiency ratio trails 93% of banks under $1B in assets in OH (rank 67 of 71).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.19%

Rank 66 of 71

Net Interest Margin

3.01%

Rank 53 of 71

Efficiency Ratio

94.22%

Rank 67 of 71

Equity / Assets

7.84%

Rank 59 of 71

Non-interest income vs. expense

$1.5M$8.9MINCOMEEXPENSE
Unfavorable gap of $7.4M · efficiency ratio beats 7% of banks under $1B in assets in OH
Bank 94.22%Peer median 70.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.19%0.62%1.02%1.39%Beats 7%66 / 71
Return on Equity2.37%5.62%10.07%13.60%Beats 7%66 / 71
Net Interest Margin3.01%2.93%3.56%4.07%Beats 25%53 / 71
Efficiency Ratio94.22%55.94%70.77%78.80%Beats 7%67 / 71
Asset Quality
Nonperforming Loans / Loans0.09%0.08%0.27%0.97%Beats 72%20 / 68
Net Charge-Offs / Loans0.07%n/a0.00%0.05%Beats 10%62 / 68
Capital
Tier 1 Capital Ratio11.16%11.18%13.77%20.34%Beats 23%55 / 71
Total Risk-Based Capital Ratio12.08%12.08%14.34%21.24%Beats 24%54 / 71
Equity / Assets7.84%8.41%10.74%13.32%Beats 17%59 / 71
Liquidity & Funding
Loans / Deposits87.49%64.48%76.81%87.49%75th pctl17 / 68
Loans / Assets79.85%55.33%65.58%72.51%85th pctl11 / 71
Brokered Deposits / Depositsn/aNot reported for this institution