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Central Federal Savings and Loan Association

Cicero, IL · Cert 28425

State savings bank · OCC · 3 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 the Chicago-Naperville-Elgin, IL-IN area3

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 the Chicago-Naperville-Elgin, IL-IN area (n=56 to 57). 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

16

Q2 2024Q2 2026peer median (50)

Asset Quality

71

Q2 2024Q2 2026peer median (50)

Profitability

11

Q2 2024Q2 2026peer median (50)

Liquidity

84

Q2 2024Q2 2026peer median

Efficiency

11

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

Central Federal Savings and Loan Association

Cicero, IL · Cert 28425

State savings bank · OCC · 3 branches

Q2 2026

$194.6MAssets
$138.3MLoans
$171.6MDeposits
$19.0MEquity
Loan mix
100%RE $137.3M0%C&I $0.0M0%Consumer $0.2MQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $156.6M9%Noninterest $15.1MQ2 2025Q2 2026

NIM

4.31%Q2 ’244.34%Q2 ’254.41%Q2 ’260%+11%

Non-interest income vs. expense

2.47%Q2 ’242.59%Q2 ’252.76%Q2 ’26+5%+0%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #102 of 147 inst. · $0.2B of $630.7B

Executive Summary

  • Earnings: ROA of 0.06%, up 17 bps year over year; NIM at 2.60%.
  • Asset quality: problem loans at 0.65% of loans (-15 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.32%, up 15 bps from a year ago.
  • Funding: loans stand at 80.59% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.06%+17 bps YoY

Net Interest Margin (YTD, annualized)

2.60%+25 bps YoY

Efficiency Ratio (YTD, annualized)

97.68%-969 bps YoY

Tier 1 Leverage Ratio

10.32%+15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.11%-0.06%-0.03%-0.05%0.06%+17 bps
Return on Equity-1.21%-0.64%-0.29%-0.55%0.60%+181 bps
Net Interest Margin2.35%2.43%2.50%2.58%2.60%+25 bps
Efficiency Ratio107.37%104.03%102.16%103.17%97.68%-969 bps
Non-Interest Burden2.53%2.53%2.56%2.67%2.54%+1 bps
Growth
Asset Growth (YoY)-0.06%-0.20%-0.60%-0.52%-1.22%-115 bps
Loan Growth (YoY)3.40%3.89%7.83%3.93%3.34%-6 bps
Deposit Growth (YoY)1.65%3.45%2.18%2.42%1.52%-13 bps
Asset Quality
Nonperforming Loans / Loans0.80%0.76%0.68%0.67%0.65%-15 bps
Net Charge-Offs / Loans0.00%-0.01%-0.01%0.00%-0.01%0 bps
Allowance / Loans1.11%1.08%1.07%1.09%1.09%-3 bps
Allowance Coverage of NPLs1.4x1.4x1.6x1.6x1.7x+0.3x
Capital
Tier 1 Leverage Ratio10.17%10.21%10.32%10.31%10.32%+15 bps
Total Risk-Based Capital10.17%10.21%10.32%10.31%10.32%+15 bps
Equity / Assets9.42%9.79%9.81%9.84%9.78%+37 bps
Liquidity & Funding
Loans / Deposits79.18%82.12%81.92%80.91%80.59%+142 bps
Liquid Assets / Assets11.94%7.91%8.91%9.99%10.87%-107 bps
CRE / Total Capitaln/a56.25%58.33%57.12%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

Central Federal Savings and Loan Association

Cicero, IL · Cert 28425 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57)

State savings bank · OCC · 3 branches

Q2 2026

$194.6MAssets
$138.3MLoans
$171.6MDeposits
$19.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 24 of 56).
  • Widest gap: total risk-based capital ratio trails 95% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 54 of 57).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.06%

Rank 51 of 57

Net Interest Margin

2.60%

Rank 50 of 57

Efficiency Ratio

97.71%

Rank 52 of 57

Equity / Assets

9.78%

Rank 38 of 57

Non-interest income vs. expense

$0.4M$5.4MINCOMEEXPENSE
Unfavorable gap of $5.0M · efficiency ratio beats 11% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 97.71%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.06%0.51%0.84%1.19%Beats 11%51 / 57
Return on Equity0.60%3.13%7.76%11.40%Beats 11%51 / 57
Net Interest Margin2.60%3.16%3.63%4.08%Beats 12%50 / 57
Efficiency Ratio97.71%59.57%69.70%81.06%Beats 11%52 / 57
Asset Quality
Nonperforming Loans / Loans0.65%0.06%0.34%1.78%Beats 41%34 / 56
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 100%24 / 56
Capital
Tier 1 Capital Ratio10.32%12.24%16.06%19.69%Beats 9%52 / 57
Total Risk-Based Capital Ratio10.32%12.54%16.50%20.95%Beats 5%54 / 57
Equity / Assets9.78%9.37%11.56%15.00%Beats 33%38 / 57
Liquidity & Funding
Loans / Deposits80.59%66.29%85.59%95.16%42nd pctl33 / 57
Loans / Assets71.07%57.07%71.07%78.13%49th pctl29 / 57
Brokered Deposits / Depositsn/aNot reported for this institution